Accord Finance
Banking software built for Cameroon. Owned by you. Forever.
Accord Finance builds custom ERP systems for microfinance institutions and banks operating in Cameroon and the CEMAC zone. Full source code ownership. Native MTN MoMo and Orange Money integration. COBAC-compliant from day one. And a local Cameroonian team that picks up the phone.
The core problem we solve
Stop renting your core banking system from abroad.
Most microfinance institutions and community banks in Cameroon are running on ERP systems sold and managed by foreign vendors — with no local support, no data sovereignty, unpredictable maintenance costs billed in foreign currency, and zero flexibility to adapt the system to local workflows.
Accord Finance replaces that dependency with a system your institution fully owns — built in Cameroon, configured for your exact workflows, integrated with the payment systems your clients already use, and supported by engineers you can call directly.
ERP Modules
11 modulesWhat does the Accord Finance ERP include?
The Accord Finance ERP is a full-stack microfinance and banking platform covering eleven integrated modules:
Loan Management
Complete loan lifecycle: application, scoring, approval, disbursement via mobile money, repayment tracking, PAR metrics, restructuring, and write-off workflows.
Client Management (CRM)
360-degree client profiles, KYC registration, full financial history, group lending management, client segmentation, and blacklist management.
Credit Risk Analysis
Configurable scoring models, DSCR calculator, credit bureau integration readiness, risk classification (Standard / Watch / Sub-standard / Doubtful / Loss), and portfolio risk heatmaps.
Financial Accounting
Full double-entry accounting with OHADA-compatible chart of accounts, automated journal entries, bank reconciliation, balance sheet, trial balance, and audit trail on every transaction.
Savings & Deposits
Voluntary savings, compulsory savings, fixed deposits, target savings, and specialised account types like Education Saving Vault Accounts, with interest automation and real-time balance inquiry.
Digital & Mobile Banking
Client-facing mobile app (Android & iOS) with account management, loan application and tracking, mobile money repayments, push notifications, and biometric login.
Collection & Recovery
Automated SMS/email reminders, delinquency bucket management (1–30, 31–60, 61–90, 90+ days), field officer assignment, restructuring and write-off workflows, and recovery analytics.
Reporting & Analytics
Real-time executive dashboards, branch comparison reports, COBAC and BEAC regulatory report generation, custom report builder, and scheduled email delivery.
Regulatory Compliance
Automatic COBAC form generation, AML/KYC compliance checklists, suspicious transaction reporting (STR) workflows, and role-based access controls for regulatory audits.
HR & Payroll
Employee profiles, attendance, leave management, payroll with CNPS and tax deductions, payslip generation, and performance appraisal.
Field Officer Management
Offline-first mobile tool for field agents: loan origination without internet, GPS-tagged client visits, repayment collection with receipt generation, and automatic sync when connectivity returns.
Technology
Built on modern, proven technology
Frontend
Backend
Data
Mobile
Payments
Security
Frequently asked questions
What is a COBAC-compliant microfinance ERP?
A COBAC-compliant microfinance ERP is banking software whose reporting, controls, and forms meet the requirements of COBAC, the CEMAC banking regulator. The Accord Finance ERP generates COBAC and BEAC regulatory reports and forms automatically, and is COBAC-compliant from day one.
Does Accord Finance support MTN MoMo integration?
Yes. The Accord Finance ERP has native MTN MoMo and Orange Money integration, so loans can be disbursed and repayments collected directly through the mobile money services your clients already use.
Can a microfinance institution own its own banking software?
Yes. With Accord Finance you receive full source-code ownership — the system is built in Cameroon, hosted on servers you control for data sovereignty, and supported by a local team. No foreign vendor lock-in.
What modules does the Accord Finance ERP include?
Eleven integrated modules: Loan Management, Client Management (CRM), Credit Risk Analysis, Financial Accounting, Savings & Deposits, Digital & Mobile Banking, Collection & Recovery, Reporting & Analytics, Regulatory Compliance, HR & Payroll, and Field Officer Management.
How long does it take to implement the Accord Finance ERP?
Implementation time depends on your institution's size and workflows. Because the system is configured to your exact processes and built by a local team, the fastest way to get a realistic timeline is a free discovery call.
Part of the ACCORD Group
Tired of your foreign ERP?
Schedule a free discovery call and see what owning your banking software actually looks like.