Who We Are

ADFinance is an African ICT company created in 2007 with Head Quarters in Kigali, Rwanda. We provide a broad technical scope of solutions to microfinance institutions & support around 300 branches of SACCOs across over seven countries in Africa. We do offer ITES/BPO to small MFIs that allows them to have access to our latest technology with fewer investments. Our multidisciplinary team has various competencies ranging from software engineering, banking, accounting, information systems as well as microfinance practices. This allows us to provide holistic solutions to our clients in the microfinance and banking industry. Leader in Business Intelligence and Customer Relationship Management, and a major player in e-Business, we leverage a unique combination of technical, functional and industry specialization, as well as partnerships with all of the key software vendors, to deliver maximum value projects and help clients break through barriers to innovation such as Big Data, Digital Transformation & Cloud Computing.


  • Core Banking System
  • Business Intelligence
  • Channel Manager
  • Internet Banking
  • Mobile Banking

ADBanking is an integrated Information System designed for microfinance institutions. It has four main core interlinked modules that include the following:

1) Customer Management Core Module (Know your customer) that manages corporations (formal business and other organizational entities) or Individuals who can be members of groups such as lending groups & informal groups.
2) Savings Core Module that supports the savings policy of a microfinance institution, by allowing the management of unlimited number of savings products of various types such as Current accounts (deposits and withdrawals); Savings plans (limited term, with several deposits and one withdrawal); Term deposits (One deposit and one withdrawal after a pre-determined period of time); Additionally savings products of those types can be configured based on various criteria, such as interest calculation methods, type of fees, and more.
3) Loans Management Core Module allows configuration of an unlimited number of loan products based on several criteria like Interest calculation methods (flat interests, decreasing interests, decreasing interests with fixed principal); Periodicity (monthly, weekly, bi-weekly, annual, quarterly, daily); Types of fees.
4) Accounting Core Module allows origination of accounting transactions from operational modules such as savings or from the accounting module itself. Other main features of this module include: Web-Based (no client software on workstations); Real-time multi-branch (clients do the transaction from any branch); Rich reporting features (more than a hundred built-in reports and custom reports generating tools)

The BI module has been designed to meet the reporting and consolidation needs of MFI managers. This module allows having an overview of the whole Information System in consolidated or separated (per branch) reports. A set of management reports are provided, including accounting reports (balance sheet, trial balance, and income statement), credits reports (poradfinanceolio aging schedule, risk per economic sector, risk per customer category) and savings reports (inventory of savings account per customer category, per savings products) Besides those management reports, regulatory reports are also provided. All regulatory reports for central banks of Rwanda, Burundi, and BCEAO are available in consolidated format or per branch. With ADBanking BI module, MFIs can also have ad-hoc reports tailored to their particular needs. Managers can be able to have customized dashboards with a 360° degree view of their MFI on one screen.

Nowadays an ecosystem of payment systems is rising; branchless banking is becoming a reality; and a number of peripheral applications are being deployed in MFIs. That’s why ADBanking Channel Manager, an Application Programming Interface (API) for ADBanking Core Banking System was developed. The Channel Manager allows third-party applications to interact with the core banking system where those applications can retrieve data from the core database and can post transactions. The Mobile Banking module and Internet Banking module use the Channel Manager to interact with the core banking system. Due to the Channel Manager, a third party human resources management system is also linked to ADBanking.

Internet Banking Module allows to end users (MFI’s customers) to manage their accounts online, through secured website accessed through a web browser on their personal computers. The Main functionalities of this module include: E-mail transaction alerts; Periodic accounts status; Real time history of the account; Account to account transfer.

It allows MFI’s customers to interact directly with the core banking system through their mobile phone hand set. Core functionalities include; Transaction alerts, Balance inquiry, Mini statement, Account to account transfer, and Credit installment reminders. The most interesting feature in this module is the interaction with e-wallet. A customer can transfer money from his mobile money virtual account to his account in the MFI and vice versa. This allows to MFIs to partner with Mobile Network Operators to use mobile money agents as cash in/out outlets, hence reducing significantly the operational costs in running branches while expanding their outreach.










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UMOJA Building, 6th Floor
+250 788 835 357
+250 788 503 435


Immeuble KWA NGOMA
Rue du Progrès Rohero
+257 22 27 85 67


+226 74 25 68 63
+226 70 72 18 19
+226 68 00 00 83


Bâtiment BG Court
Route St Jean
et Avenue d’Epinay
Quatre Borne