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Integra for Banking & Financial Services

One platform for every loan

Applications, KYC, credit assessment, disbursement, repayments, collections and accounts, connected in one system.

Built for microfinance institutions, lending companies and co-operatives, in any country, on any device.

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  • Microfinance
  • Lending Companies
  • Co-operatives
  • Credit Societies
modules
34modules
groups
10groups
suites
3suites

Why Integra

From scattered tools to one loan record

Many lenders run applications on paper, credit checks in spreadsheets, the loan book in one system and accounts in another. Integra puts every loan on one record, from the first application to the last repayment.

Faster decisions, cleaner books

  1. 01Without Integra: Applications on paper and re-keyed later
    With Integra for Lending: Applications captured once, in the branch or field
  2. 02Without Integra: Bank statements read line by line
    With Integra for Lending: Statements read and analysed automatically
  3. 03Without Integra: Credit decisions vary by officer
    With Integra for Lending: Scorecards and policy rules decide consistently
  4. 04Without Integra: Field collections counted at night
    With Integra for Lending: Receipts on the phone and cash matched daily
  5. 05Without Integra: Overdue loans found at month end
    With Integra for Lending: Arrears queues and early warnings every day
  6. 06Without Integra: Loan book and ledger never agree
    With Integra for Lending: Every loan event posts to the ledger and reconciles
  7. 07Without Integra: Portfolio risk built in spreadsheets
    With Integra for Lending: Portfolio at risk by branch, officer and product

Highlights

The loan lifecycle

Every loan, one complete record

From application to closure, every step of a loan is recorded once, approved by the right person and traceable.

  1. 1

    Apply

    Application, co-borrowers and guarantors captured in the branch or field.

  2. 2

    Verify

    KYC checked and consent recorded before any bureau pull.

  3. 3

    Assess

    Statements, bureau reports and income read and compared.

  4. 4

    Approve

    Scorecards, policy rules and maker-checker sanction.

  1. 5

    Disburse

    Payout verified once and the loan account activated.

  2. 6

    Collect

    Repayments by cash, bank transfer, online or auto-debit, allocated by policy.

  3. 7

    Follow up

    Arrears queues, visits and promises to pay.

  4. 8

    Close and report

    Closure, statements and every event in the ledger.

Field & Collections

Every payment accounted for

Field officers work from their phones, even offline, and every payment collected is matched at the branch the same day.

  1. 1

    Centre meetings

    Meeting schedules, attendance and member-wise collection sheets.

  2. 2

    Offline collection

    Receipts issued offline and synced safely when back in range.

  3. 3

    Cash handover

    Field cash handed over and matched with receipts every day.

  4. 4

    Portfolio at risk

    Days-past-due buckets by branch, centre, officer and product.

Modules

Every module in Integra for Banking & Financial Services

34 modules in 10 groups. Start with what you need and switch on the rest as you grow.

Group 01 · 3 modules

Loan Origination

  • Loan ApplicationsApplications captured at the branch, in the field or online.From Starter
  • KYC & ConsentIdentity checked and consent recorded before any bureau pull.From Starter
  • Document Intake & Fraud ChecksStatements, salary slips and returns read and checked.From Growth
Group 02 · 5 modules

Credit Assessment

  • Bank Statement AnalysisCash flow, obligations and bounces from statements.From Growth
  • Credit Bureau ReportsBureau reports read into active loans and repayment history.From Growth
  • Income & AffordabilityIncome checked across documents and affordability worked out.From Premium
  • Scorecards & Policy RulesScorecards and policy rules that decide consistently.From Premium
  • Credit ApprovalMaker-checker sanction with authority limits.From Starter
Group 03 · 3 modules

Products & Schedules

  • Loan ProductsLimits, rates, fees and terms set up without code.From Starter
  • Repayment SchedulesWeekly to monthly schedules, flat or reducing balance.From Starter
  • Pricing & DisclosuresAnnual rates and all charges shown clearly to borrowers.From Growth
Group 04 · 4 modules

Disbursement & Servicing

  • DisbursementPayouts verified, released and activated once.From Starter
  • Loan Accounts & LedgerEvery loan account with its full transaction history.From Starter
  • RepaymentsRepayments collected and allocated by policy.From Starter
  • Prepayment & RestructuringPrepayments, rescheduling and moratoriums with approval.From Premium
Group 05 · 3 modules

Collections

  • Delinquency ManagementOverdue loans worked from early warning to resolution.From Growth
  • Field Visits & PromisesVisits and promises to pay recorded on the phone.From Growth
  • Settlement & Write-offSettlements and write-offs approved and recorded.From Premium
Group 06 · 4 modules

Microfinance

  • Groups & CentresJoint liability and self-help groups under each centre.Add-on
  • Centre MeetingsMeeting schedules, attendance and collection sheets.Add-on
  • Field Officer AppRoutes, collections and receipts, even offline.Add-on
  • Cash Custody & HandoverField cash handed over and matched every day.Add-on
Group 07 · 2 modules

Savings & Deposits

  • Savings AccountsMember savings with interest and statements.Add-on
  • Fixed & Recurring DepositsDeposits with maturity and renewal.Add-on
Group 08 · 3 modules

Compliance & Protection

  • Borrower GrievancesComplaints recorded and resolved within set times.From Starter
  • Bureau & Regulatory ReportsBureau files and regulatory returns prepared from the ledger.From Growth
  • Access & Audit TrailOfficers see only their branches and every action is logged.From Starter
Group 09 · 3 modules

Finance & Branches

  • Accounts & GL PostingEvery loan event posts to one ledger, reconciled daily.From Starter
  • Branch OperationsBranches, cash and day-end on one platform.From Growth
  • Co-lending & AssignmentLoans shared with partners, with split collections.Add-on
Group 10 · 4 modules

Intelligence & Platform

  • Portfolio AnalyticsPortfolio at risk, vintages and roll rates.From Growth
  • Borrower AppBorrowers see dues, statements and pay online.From Premium
  • Integra AIAI underwriting memo and early warnings. People decide.From Enterprise
  • IntegrationsBureaus, banks, auto-debit and messaging connected.From Starter

Optional packs

  • Microfinance Pack

    Group lenders running centres, meetings and field collections

  • Savings & Deposits Pack

    Co-operatives and societies that take savings and deposits

  • Co-lending Pack

    Lenders sharing loans with banks and partners

Connected lending

Connected to everything around your lending

Bureaus, banks, auto-debit, payments and messages connect to the same loan records.

  • Credit bureaus

    Bureau reports pulled with consent and read automatically.

  • Banks and auto-debit

    Disbursements and auto-debit mandates through your banks.

  • Payment gateways and wallets

    Borrowers repay online and receipts post at once.

  • Works offline

    Field apps keep working without a network and sync later.

  • SMS & WhatsApp

    Receipts, due reminders and statements to borrowers.

  • Field and borrower apps

    Officers collect on the phone; borrowers see dues and pay.

  • Branch-level access

    Officers see only their branches and centres; every action is logged.

  • Many branches

    Branches, regions and companies on one platform.

Integra AI

Smarter every day, with people in control

AI built into every module. It suggests, people decide.

  • 01

    Credit Memo Drafts

    A summary of documents, bureau and affordability for the approver.

  • 02

    Document Checks

    Tampered or duplicate documents flagged before assessment.

  • 03

    Early Warnings

    Accounts likely to fall overdue flagged for early follow-up.

  • 04

    AI Assistant

    Ask about disbursements, collections or risk in plain language.

AI suggests, people decide. Every credit decision is approved by an authorised person.

Brochures

Brochures for Integra for Banking & Financial Services

Read them online or download the PDF to share with your team.

Suites used

The Integra suites behind Integra for Banking & Financial Services

Every industry pack runs on the same core. These suites carry the rest of the work.

Get started

Let's build your connected lending business

Tell us how you lend and we will show you Integra running your applications, collections and books.

Book a demoTalk to sales
  1. 01

    Discover

    We map your products, branches and credit policies.

  2. 02

    Configure

    Products, schedules, scorecards and approval limits are set up.

  3. 03

    Connect

    Bureaus, banks, auto-debit and messaging are linked.

  4. 04

    Migrate

    Borrowers, active loans and balances are loaded and reconciled.

  5. 05

    Train

    Branch, field, credit and accounts teams get started.

  6. 06

    Grow

    Add products, branches and partners any time.