01 / 03
Know what is happening. As it happens.
See business performance, balances and activity in one clear view—so the next decision is based on facts.
Built for the way Africa does business
Money moves.
Your business should too.
One connected financial workspace for SACCOs, Chamas and growing businesses. Save together, pay bills, sell products and track your money. Spend less time chasing payments and more time growing what matters.
Free to get started · Android & Windows · iOS coming soon
Platform statusAll systems ready
One workspaceFinance · People · Trade
Built for everyday ambition
SACCOsCHAMAsSMEsCOOPERATIVES
01 — The platform
Your financial world,
finally working together.
KIT-IFMS replaces scattered spreadsheets, disconnected chats and manual records with a clear, shared view of your money and operations.
02 / 03Save smart.
Save smart.
Grow together.
Build individual and group savings with visible goals and balances.
03 / 03
Move money in seconds.
Fast, secure transfers for members, groups and businesses.
Payments
Your money.
More ways to move it.
Add to your savings, pay everyday bills and withdraw when you need to. Keep your payments and records together, so you always know where your money stands.
Add money your way
Top up your savings without visiting an office. Follow the payment steps on your phone and see your balance update when the deposit is confirmed.
Get money where you need it
Withdraw to your mobile wallet or an available bank account. Manage personal withdrawals and group payouts from the same place.
Know where your money went
Was your payment completed or is it still pending? Check its status and your transaction history in the app, so you can follow up with a clear record.
See the payment options and charges available to you in the app before you confirm.
Merchant payments
Pay bills.
Buy goods.
Keep moving.
Settle a bill or pay a supplier directly from your savings. Choose the personal or group account you manage, enter the Paybill or Till number and review the total before paying.
Get started in the appA clearer way to pay
Choose your merchant
Select Paybill or Buy Goods, enter the number and add the account reference for a Paybill.
Check the details
Check the recipient details and see the fee and total, so you know what you are paying before you approve.
Confirm and follow up
Approve the payment with your PIN, fingerprint or email code, as prompted. Check your history to see when it is complete.
Your regular merchants, ready next time.
Pay the same supplier often? Save their details as a favourite and choose them next time without typing the number again.
02 — Everything connected
Less admin.
More momentum.
Manage your members
Add people to your group and decide who can manage its money and records.
Lend & borrow together
Arrange loans between members and groups, and keep track of repayments.
Keep everyone in the loop
Discuss contributions, sales and group decisions in the same app you use to manage them.
Sell & track your stock
Record cash or credit sales, add stock and see what is coming in and going out.
Keep group money organized
Follow member savings, group balances and loans so everyone knows where things stand.
See how business is doing
Review your sales, expenses and balances to help plan your next move.
Merchant payments
Settle bills and pay suppliers directly from your savings. See the full cost before paying and save regular merchants for next time.
Customers & credit sales
See who owes you, record what they have paid and open a customer statement when you need the full picture.
Business summaries
Get automated summaries of your group’s business activity to help you review sales, expenses, stock and money movements.
03 — Designed for real work
One app. Every move.
04 — How it works
Start simple.
Do more.
Clear, step-by-step guidance for everyday tasks in KIT-IFMS.
01Deposit money+
- Open the menu and choose Savings
- Select Deposit and enter the amount
- Tap Deposit money
- Approve the payment prompt on your phone
- Your balance updates automatically
02Create a group+
- Use search on the dashboard or + in Messages
- Select Create group
- Enter the business or SACCO name
- Select members
- Confirm Create group
03Withdraw money+
- Open Savings from the menu
- Select Withdraw and enter the amount
- Tap Withdraw money
- Enter the verification code sent to your email
- Check your transaction history for the withdrawal confirmation
04Add products & stock+
- Open the business group and tap the pin
- Go to Product manager and tap +
- Select New product and add its details
- To add stock, open Stock and select products
- Enter quantities and units, then confirm
05Send money to a group+
- Tap the pin in the business or Chama group
- Choose Send
- Select savings, income or a group member
- Enter the verification code sent to your email
06Sell products+
- Tap the pin in the group chat and choose Sell
- Select one or more products
- Enter the amount
- Choose cash or credit, then complete the sale
07Withdraw from a group+
- Open the three-dot menu in the group chat
- Select Settings, then Withdraw
- Enter the amount and confirm
- Enter your verification code
08Pay a Paybill or Till+
- Open the merchant payment option for your account
- Choose Paybill or Buy Goods and enter the merchant number
- For Paybill, enter the account reference
- Enter the amount and review the recipient, fee and total
- Authorize as prompted, then check the transaction status
09Manage customer payments+
- Open your business group and customer list
- Add or select a customer
- Record the customer payment against the correct account
- Review the customer statement to follow payments and outstanding balances
05 — Built for Africa
Financial progress is a team sport.
Running a Chama, SACCO or small business means keeping track of people, payments and promises. KIT-IFMS brings your savings, loans, sales and conversations together, so you spend less time chasing records and more time moving forward.
100+
Active Chamas
KES 10M+
Transaction value
3
Countries: Kenya, Uganda & Tanzania
Unite communities under a shared financial ecosystem.
Automate operations and reduce unnecessary costs.
Enable flexible peer-to-peer lending between members.
Give every member access to transparent, real-time data.
06 — Our team
The people
behind KIT-IFMS.
Your next move starts here
Put your money
to work.
Download KIT-IFMS and bring your finances, people and operations into one place.
