Core banking for modern financial institutions.

Connect accounts, deposits, lending, payments, and financial controls on one modular platform. Built for African banking, with phased modernization and deployment options for your institution.

Book a DemoSee Institution Packages

Banks Microfinance SACCOs Fintechs

A banking adviser meeting a customer in a bright, modern branch
Explore the governed rollout path

Technology & Ecosystem Partners

Supporting integrations, digital services, payments, and financial infrastructure.

  • Adopay
  • Infinity
  • Wardya
  • Duruj
  • Mercato Bridge
  • PayNow

One platform.
Your banking capabilities.

Explore the core capabilities, then plan a rollout around your institution’s products, customers, and controls.

SELAMNOW / 01

Core Banking

Connect accounts, balances, branches, and financial controls in one banking core.

Explore Core Banking
Inside Core Banking
  • 01Accounts
  • 02General ledger
  • 03Branch operations

Connected through one banking foundation.

Planning Islamic banking products? Explore Islamic Banking

A clearer view of
daily banking operations.

Review approvals, treasury, transaction monitoring, regulatory reports, and ledger activity from one banking workspace, with the records your teams need for daily review.

Illustrative. Real data lives inside the institution environment
SelamNow Operator: Regulator reportingIllustrative
Supervisory cycleCurrent cycle · OpenPrudential reviewReadyPortfolio reviewReadyPosition reviewIn reviewLiquidity reviewReadyBehavioural reviewPendingEvidence trailPostingOperator role · timestampApprovalOperator role · timestampReconciliationOperator role · timestampAdjustmentOperator role · timestampSign-offOperator role · timestampSubmissionOperator role · timestampSubmit cycle package

Banking built for your institution.

Support member savings, microfinance lending, and commercial banking with products, channels, and controls tailored to your institution. Public finance teams, neobanks, and payment operators can build on the same foundation.

SACCOs & Cooperatives

Most common start

Cooperative finance with member savings, group lending, share-led products, and committee-based approvals on one governed platform.

  • Member savings and shares
  • Group lending and committee workflows
  • USSD, agent, and assisted-channel readiness
  • Regulatory reporting baseline
Explore

Microfinance Institutions

Deposit-taking, branch operations, and credit workflows with a configurable foundation that expands as the institution matures.

  • Deposit-taking and savings operations
  • Branch and field-user controls
  • Credit origination and servicing
  • Audit-ready financial controls
Explore

Commercial & National Banks

Modernize legacy estates with a stronger path for full core replacement, payments expansion, treasury control, and regulator-facing reporting.

  • Full core modernization path
  • Payments, treasury, and reporting
  • Dedicated or sovereign deployment
  • Architecture and control models for due diligence
Explore

Government & Ecosystem Programmes

Plan identity, inclusion, interoperability, and policy-backed financial service delivery with explicit institutional responsibilities.

  • Digital identity and inclusion planning
  • Programme and institution boundaries
  • Interoperability assessment
  • Jurisdiction-specific review
Explore

Also for

One banking foundation. Specialist paths for your operating model.

SelamNow banking foundationAccounts · Ledger · Products · Controls
BANKING FOCUS

Neobanks & digital banks

Digital products & customer channels

Explore solution
  1. 01Configurable accounts & deposits
  2. 02Digital onboarding & channels
  3. 03API integration planning
For SACCOsFor MFIsFor Banks

Strengthen daily banking. Grow with confidence. Keep decisions clear for boards and regulators.

Read the architecture brief

Banking governance

Controls first.
Innovation second.

Regulated institutions need approval discipline, attributable actions, reporting evidence, tenant-safe boundaries, and AML/KYC controls embedded inside daily operations, not bolted on after.

CONTROL 01 / 06

Maker-Checker Control

Dual approval and attributable actions for sensitive financial flows.

When a sensitive payment needs approval

MakerPrepares the request
CheckerReviews independently

Separate responsibilities. Attributable decisions.

Illustrative banking scenario

Illustrative banking scenarios and deployment options.

Explore the trust center

Modernize banking.
One phase at a time.

Plan your core banking migration around customer records, account balances, and daily operations. Discover, map, validate, and reconcile before going live on a deployment model your institution can approve.

Choose your modernization path

Start with a focused banking product.

Define a scoped pilot around your customers, product rules, and approval workflows. Review the operating evidence before expanding.

Discuss this approach
  1. 1Scope the product
  2. 2Configure accounts & controls
  3. 3Review the pilot

Migration Planning

Move accounts and balances in controlled phases.

Validate customer records, reconcile balances, and plan the cutover before moving daily banking to the new core.

  • Discover legacy data and operating dependencies
  • Map products, accounts, workflows, and controls
  • Validate and reconcile before go-live

Deployment Options

Choose where your banking platform runs.

Match hosting, data residency, infrastructure control, and procurement requirements to your institution.

  • SaaS: fastest path to production
  • Dedicated cloud: isolated infrastructure
  • On-prem or sovereign: institution-controlled hosting

Rollout Discipline

Keep banking operations central to the rollout.

Use parallel runs, documented checks, and approved checkpoints to reduce the risk of a single large replacement.

  • Parallel-run discipline where needed
  • Evidence packs for stakeholder review
  • Controlled cutover and rollout planning

Your path to a modern banking core.

  1. 1Discover
  2. 2Map
  3. 3Validate
  4. 4Reconcile
  5. 5Go live

Every banking channel.
One connected core.

Connect branch, mobile, USSD, and agent banking to accounts, loans, payments, and the ledger. Keep access controls, transaction reviews, and regulatory reporting connected across all five platform layers.

A banking transaction, step by step

Illustrative path from channel request to reporting

  1. Channel request
  2. Policy & workflow
  3. Ledger posting
  4. Risk review
  5. Reporting output
View Full ArchitectureEnterprise Briefing

  1. Channels & Experiences

    Channels
    • Mobile banking
    • USSD & agent
    • Web & assisted
    • Branch operations

  2. API Gateway & Orchestration

    API Gateway
    • Open APIs
    • Workflow orchestration
    • Partner access
    • Event & webhooks

  3. Core Banking Platform

    Core Engine
    • Ledger & balances
    • Lending & deposits
    • Payments & treasury
    • Identity, policy, controls

  4. Risk, Compliance & Audit

    Oversight
    • AML & sanctions
    • Maker-checker
    • Audit trail & evidence
    • Regulator reporting

  5. Integrations & Regulators

    Integrations
    • Banks & switches
    • Mobile money
    • Bureau & compliance
    • Central bank reporting

Connect your bank to modern digital channels.

Use banking APIs, payment events, and a sandbox to connect accounts, transfers, and customer services to your channels and partners. Give bank and fintech teams a clear path to evaluate each integration.

Start buildingAPI reference
A business owner using a smartphone beside her laptop
Modern channels. Everyday possibilities.
POST /v1/payments/transfersSandbox
curl -X POST https://api.selamnow.com/v1/payments/transfers \
  -H "Authorization: Bearer <token>" \
  -H "Idempotency-Key: institution-transfer-001" \
  -d '{
    "sourceAccount": "member-savings",
    "destinationRail": "mobile-money",
    "amount": "1250.00",
    "currency": "ETB",
    "approvalWorkflow": "maker-checker"
  }'
  1. API requestReceived
  2. Policy checkGoverned
  3. Ledger eventCommitted
  4. Webhook sentDelivered

Modules

Banking modules for today.
Room to grow tomorrow.

Start with core banking, loans, savings, and payments. Connect digital channels, strengthen daily controls, and add risk and reporting modules as your institution grows. Review pilot results before expanding.

  • Savings products
  • Loan products
  • Fees and charges
  • Interest and profit rules
  • Eligibility and approval workflows
  • Core banking
  • Lending and credit
  • Savings and deposits
  • Payments
  • Digital channels
  • Risk and compliance
  • Treasury
  • Developer and integration services
  • Islamic banking
  • Capital markets
  • Regulatory reporting
  • Agent and digital banking
  • Audit and governance

YOUR BANKING ROADMAP / 01

Build banking products around your customers.

Configure savings and loan products, pricing, servicing, and approval rules within your institution's banking controls.

Explore product capabilities

What this stage brings together

Product design
Savings and lending
Commercial terms
Pricing, fees, and interest rules
Banking controls
Eligibility, review, and approval
Plan scope and rollout around your institution.

Accounts, balances, and a connected banking ledger.

Run accounts, product rules, ledger postings, reconciliation, interest or profit rules, multi-currency setup, and financial controls from the same governed operating foundation.

  • Account and Product Foundation: Customer accounts, product configuration, balances, fees, and lifecycle rules
  • General Ledger: Chart of accounts, balanced postings, accruals, trial balance, and financial statements
  • Reconciliation: Daily controls across ledger, accounts, payments, and operating workflows
  • Interest and Profit Rules: Configurable calculations for conventional, cooperative, and specialized products
  • Multi-Currency: Currency setup, exchange rates, and institution-specific controls
  • Audit Trail: Immutable maker-checker log for financial commands and operating decisions
Core Banking · Illustrative
Banking recordControl
Customer accountsAccess rules
Deposits & loansProduct rules
General ledgerBalanced postings
ReconciliationDaily review

Account activity → ledger posting → reporting

Africa Does Not Need
Another Imported Core

Banking infrastructure needs to fit cooperative finance, branch operations, rural connectivity, and local regulatory expectations. SelamNow is being built around those operating conditions.

Branch reality

Design for assisted service, field teams, and intermittent connectivity, with reviewed synchronization and reconciliation boundaries.

Institution economics

Scope products and implementation around SACCOs, MFIs, banks, and public programmes rather than assuming one operating model.

Local accountability

Plan data residency, approvals, reporting, and ecosystem connectivity for each institution and jurisdiction.

Why Legacy Cores Fail In African Markets

Rigid pricing, lengthy implementation, connectivity assumptions, and bolt-on local workflows can make modernization harder. Evaluate the architecture against your institution’s actual constraints.

Technology &
implementation ecosystem.

SelamNow is the banking platform. Specialist technology and implementation partners support identity, intelligence, and local delivery, with responsibilities agreed for each institution.

SelamNow · Banking core

Accounts, ledger, lending, deposits, payments, and institution controls within a modular banking architecture.

Wardya · Identity & intelligence

Planned identity, eKYC, AML, fraud, and credit intelligence. AI recommendations require governed review and do not replace banking authority.

AIT · Local implementation

Proposed on-ground implementation and ecosystem coordination, with responsibilities and support arrangements agreed for each programme.

Customer & institutionIdentity & onboardingBanking products & ledgerControls & reporting

SelamNow is building AI-native financial operating infrastructure for Africa. Review the architecture →

Strong Strategy Requires Strong Execution Discipline

SelamNow is being hardened through banking standards, security checks, and operational readiness validation. Pilot participation, publication consent, and production go-live are separate approval gates.

Institution readiness must be demonstrated

  • ConsentRequired before naming pilot institutions
  • EvidenceRequired before production approval

Pilot focus areas

  • Member and customer onboarding
  • Savings and deposit workflows
  • Loan origination and repayment
  • Branch and user access controls
  • Migration readiness
  • Regulatory reporting baseline
  • Mobile, USSD, and agent-channel readiness
  • Audit trail and maker-checker controls

Local support for banking across Africa.

Plan banking implementation with local training, migration support, localization, and regional regulatory requirements across Addis Ababa, Nairobi, Kampala, and Abuja.

Addis Ababa skyline

Addis AbabaEthiopia

Horn of Africa delivery hub

NBE-aligned controls, SACCO and MFI rollout, local training, and sovereign deployment planning.

Explore Ethiopia rollout support

Planning a rollout in another African or Gulf market? SelamNow can review scope, current systems, migration readiness, reporting needs, digital rails, and support expectations.

Start implementation discussion

A clearer path to
your banking decision.

Give your business, technology, and risk teams a shared starting point before discussing your rollout.

Review the architecture

Understand how the banking core, channels, and integration boundaries fit together.

Explore architecture

Assess banking controls

Review approval controls, audit trails, tenant isolation, and deployment boundaries.

Explore the trust center

Plan implementation

Prepare for discovery, configuration, migration validation, and a controlled rollout.

Review implementation

Build alongside the institutions shaping African finance.

Explore partnership opportunities

Modernize Banking Without Importing the Wrong Architecture

Tell us about your institution, current banking system, and priorities. Our team in Addis Ababa will walk you through the relevant banking modules, migration approach, and deployment options.

Request The Vision DeckTalk To The Team
HeadquartersAddis Ababa, Ethiopia
Emailcontact@selamnow.com
Phone+251-939-405-104

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