ZOA Connecting lenders to borrowers anywhere at anytime.

ZOA - Venture image

I have been in the banking industry for 10 years. It was and still is daunting to take out a loan. I had to physically present myself at the branch, make the queue, fill out paper work (most of which the bank already had) and keep calling the branch to check if my loan was approved. I asked around and found that this was the situation in Micro Finance Institutions (MFIs) and Savings and Credit Cooperative Organizations (SACCOs).

ZOA therefore seeks to solve this problem by connecting lenders to borrowers. Our flagship product, ZOAmicro, ZOAmicro is a cloud hosted branch-less, paperless financial management platform for financial institutions delivered on mobile and web. The target customers are financial institutions like Savings and Credit Cooperative Organizations (SACCOs), Micro Finance Institutions (MFIs), Lending Companies and Credit Unions. Think of ZOAmicro as corebanking + mobile banking + online banking in one.


Benefits to the institution? 

Automated account opening 

Loan origination

Online Loan approval

Loan processing and tracking

Loan disbursement

Data Analysis and dashboard reporting

Report generation

No need for hardware infrastructure

Benefits to the institution’s customer?

Branchless account Registration  

Online Loan application

Loan status notifications

Loan disbursement straight to account

Download statements

Instant balance inquiry

Easy loan repayments