Sika Digital Banking Infrastructure
Core bankingfor licensed banks and MFIs.
Your brand on a proven core, live in weeks, not a multi-year replacement.
- Core ledger
- Ghana Card KYC
- Lending
- Mobile money
- Susu group savings
Wired into the rails Africa runs on
MTN MoMo · Vodafone Cash · AirtelTigo · Ghana Card · Card payments · SMS delivery
The core
Every posting conserves.To the pesewa.
The operator ledger, not a dashboard. Credit a member, debit a Susu payout, and the books still sum to zero. Tested, not hoped for.
How isolation and conservation workUnity MFI
Operator ledger
Tenant isolated
Why institutions choose Sika
A core that behaves like a bank should.
Yours, entirely
Your brand, subdomain, data and ledger. Isolation on every request, fail-closed.
A ledger that always balances
Double-entry, idempotent, atomic. No drift, no races, tested nightly.
Compliance in the grain
Tiered KYC, Ghana Card, AML and CTR monitoring, immutable audit, four-eyes.
Built for African rails
MTN, Vodafone, AirtelTigo, card payments. SMS and WhatsApp built in.
Capabilities
The same core in every plan.
Plans differ by the size of your book, not by which bank you get.
In every plan
- Core ledger
- Accounts & wallets
- Payments & transfers
- Mobile money
- Tiered KYC
- Ghana Card e-KYC
- Savings goals
- Fraud & AML
- Digital lending
- Bill pay
- Merchant acquiring
- Escrow
- Disputes & chargebacks
For Susu operators
Paid add-on
- Credit Intelligence
- Probitas Compliance
- Tumi Institutional Tokens
- HR & payroll
- Diaspora & remittance
- Agriculture finance
- AI banking copilot
- CMS & marketing
The path
From KYB to a live tenant.
Apply
Your institution, plan and operators.
KYB review
Registration, directors, clearance.
Provision
An isolated tenant, in minutes.
Go live
Brand it, switch on the rails, attest.
Pricing
From GHS 118,750 a month.
- Priced by the size of your book
- Ghana Card in the base
- Pay by mobile money or card
Security
Isolation you can prove.Money that always adds up.
Built for the questions your regulator, auditor and board will ask.
Read the security brief- Per-request tenant isolation, fail-closed
- Double-entry ledger, conserved to the pesewa
- Idempotent, atomic money movement
- Maker-checker on every money path
- Argon2id, JWT, CSRF, staff MFA
- Immutable audit log and AML monitoring
Questions
Before you apply.
What is Sika?
Core banking as a service for African banks, MFIs, credit unions and Susu operators: a white-label tenant with a double-entry ledger, KYC, payments and the modules your licence needs.
How long to go live?
Your tenant is provisioned minutes after KYB approval. Branding, modules and the go-live attestation take weeks, not a multi-year core replacement. An existing book comes in by CSV, checked and reconciled. Your banking licence and regulatory approvals stay with your institution; Sika gives you the controls and records your regulator expects to see.
What does it cost?
Plans are from GHS 118,750 a month. Launch, Scale and Enterprise run the same core and differ only in how many customers and staff they hold. Community is a separate plan for Susu operators and savings groups. Probitas and Tumi are premium add-ons on any plan.
Can we leave?
Yes. A complete copy of your book, under four-eyes, from your own console, whenever you ask. A bank that cannot take its data has been sold a dependency, not a platform.
Why the name Sika?
In Akan, sika means money and gold. The name reflects our Ghanaian roots and what we build: trusted financial infrastructure for Africa.
SIKA
Build the bank your community deserves.
Apply today. Your tenant is provisioned before your next board meeting.