Core Banking
Run accounts, ledgers and transactions for retail and corporate customers on one core.
- Multi-branch
- Agent banking
- NIBSS
For banks, microfinance banks and fintechsBanking-
Banking-
Launch banking products without building the infrastructure. Use core banking, KYC, lending, cards, payments, terminal management and AI as ready-made services and APIs. Start with one module and go live in 8–12 weeks.
Trusted by
The challenge
Modernising a bank should not mean rebuilding one.
Legacy systems slow every launch, from new accounts and loans to the digital channels customers expect.
Slow, costly core systems
Licences and maintenance drain budgets while new products wait in the queue.
Manual onboarding
Paper-based account opening and KYC lose customers before their first transaction.
Slow lending decisions
Manual checks and spreadsheets slow approvals and hide portfolio risk.
Underserved business customers
Corporate clients want to run payroll, approvals and bulk payments online, without visiting a branch.
Weak digital channels
Apps are hard to use, and customers can't reach the bank on the channels they already use.
Building everything in-house
New products and partnerships wait years for engineering work to finish.
Modules
One platform. Nine modules.
Each module works on its own or with the others. Start with the one that solves your most urgent problem, and add more when you’re ready.
KYC & Account Tiers
Verify customers with BVN and NIN. Tiers upgrade and Post No Debit (PND) lifts automatically when checks pass.
- BVN and NIN
- Tier upgrades
- PND release
Loan Management
Manage every loan on one engine, from the first offer to the final repayment.
- Origination
- Repayments
- Collections
Corporate Internet Banking
Give business customers payroll, payments, cash management and approvals online, with an admin portal for your team.
- Payroll
- Bulk payments
- Approvals
Cards
Issue virtual and physical debit cards that customers lock, unlock and manage themselves.
- Virtual
- Physical
- Lock and block
Mobile Banking
Give customers a secure banking app with fingerprint and face sign-in and payment approval.
- Transfers
- Bills
- Card controls
TMS
Register, configure and monitor your payment terminals from one place.
- Inventory
- Remote updates
- Fault tracking
FinAI
Let customers check balances, send money and pay bills by chatting on WhatsApp.
- Transfers
- Finance buddy
USSD Banking
Let customers check balances, send money, buy airtime and pay bills from any phone, without mobile data.
- Any phone
- No data
- Airtime
Why Finlake
Modular, API-first and built for Nigerian banking.
Modular by design
Buy one module to fix one problem, or deploy the full stack. Every module works alone and fits with the others when you add them.
API-first
Every service is available through APIs, so you can connect Finlake to your own apps, partners and third-party platforms. Ready-made apps and portals are included if you want them.
Built for Nigerian rails
BVN and NIN verification, NIBSS integration and tiered KYC with automatic Post No Debit release are part of the platform, not custom projects.
Control built in
Maker-checker approvals, tamper-proof audit logs, multi-factor authentication, PINs and biometrics protect every sensitive action and leave a trail.
Your brand, your bank
Put your logo, colours, bank name and light and dark themes on the customer portal, so customers see your brand, not ours.
Delivered by an AWS partner
SoftGEM, an AWS Advanced Tier Services Partner, builds Finlake and runs it on AWS.
How to get startedGo live in 4 steps.
Book a demoGo live in 4 steps.
Add modules as you grow.
Most implementations take 8–12 weeks from the first call.
Who it serves
Find your starting point.
Each type of institution has a recommended set of modules to start with. You can also buy any module on its own.
Commercial banks
Retail and corporate banking on one platform, with approvals and audit trails.
Recommended modules
PricingYou don’t need the whole platform.
You don’t need the whole platform.
Pay for the modules you use.
Pricing depends on the modules you choose. Talk to sales for a quote, or buy through your existing AWS account on AWS Marketplace, where the spend counts toward your AWS commitment.
What is Finlake?
Finlake is a cloud-native, multi-tenant Banking-as-a-Service platform from SoftGEM. It provides core banking, KYC, loan management, corporate internet banking, cards, mobile banking, terminal management and an AI assistant as services you can use through APIs or ready-made apps and portals.
Do I have to buy the whole platform?
No. You can buy any module on its own, or combine modules into a full banking stack.
Who is Finlake for?
Commercial banks, microfinance banks, fintechs and digital lenders, and brands that want to offer financial services inside their own products.
Can I put my own brand on it?
Yes. You can set your colours, logo, bank name and address, with light and dark versions.
Does Finlake work with Nigerian banking infrastructure?
Yes. Finlake integrates with NIBSS and supports BVN and NIN verification and tiered KYC.
How long does implementation take?
A standard implementation takes 8–12 weeks. The timeline depends mostly on the modules you choose and the number of third-party integrations. We confirm a firm timeline after discovery.
How is Finlake priced?
Pricing depends on the modules you choose. Talk to sales for a quote, or buy Finlake through AWS Marketplace.
How do we get started?
Book a demo. Tell us what you want to launch, and we'll recommend the modules to start with.
Start with one module. Build your bank on Finlake.
Tell us what you want to launch. We will show you the Finlake modules and APIs that get you there.
- Emailsales@softgem.org
- Call+234 706 687 0157 · +234 913 279 4546
- Visit4 Lanre Olumide Street, by Ibrahim Odofin St, Lekki Peninsula II, Lekki 106104, Lagos, Nigeria