FIKA by Africa & Gulf Bank Tanzania ● Built on SorenTech · Live in Tanzania

A complete neo-bank,
live in Tanzania.
Yours next.

FIKA is the digital bank we built with Africa & Gulf Bank Tanzania. App, onboarding, payments, savings and merchant tools, plugged into the bank’s existing core. The same stack is ready for your brand.

Build yours with usSee FIKA live ↗
FIKA app home screen
Runs on the bank’s existing core Connected to the national switch (TIPS) Modular: take one or all iOS & Android, white-label
What’s in the stack

Everything FIKA runs on, ready for you

Each module is built, tested and live with real customers. Pick what your market needs and launch it under your brand.

Group savings

Kibubu lets customers save towards shared goals. Informal savings become deposits on your balance sheet.

Deposits

Rotating savings

Upatu digitises savings circles, with automatic contributions and payouts. Every member is a new customer.

Acquisition

Digital marketplace

Duka sells subscriptions, gaming credits and vouchers in local currency. Fee income and daily app opens.

Non-interest revenue

Real-time payments

Transfers to any bank or mobile wallet through the national switch, already integrated.

Payments

Merchant payments

QR acceptance for shop owners, settled straight into their account. A low-cost way to win SMEs.

SME banking

Cards

Virtual and physical card issuing with freeze, limits and controls in the app.

Issuing
Customers saving together with KibubuKibubu contribution screen
Built for local habits

Products people already understand

Group saving is how millions of people across Africa already manage money. We turn those habits into digital products, so adoption is fast and growth comes from referrals, not ad spend.

  • Growth built in

    Every group brings in new members, and every member opens an account.

  • Sticky deposits

    Scheduled contributions and auto-debit keep balances steady and predictable.

  • Full visibility

    Real-time data on savings behaviour feeds cross-sell, lending and credit scoring.

Integrations

Connected from day one

The hard part of a neo-bank is the plumbing. FIKA already talks to the systems a bank in the region depends on, so you don’t start from zero.

Your core bankingAccounts and ledgers stay on the system you already run
National payment switchInstant transfers to any bank, live via TIPS in Tanzania
Mobile money & eKYCWallet transfers, ID and fingerprint onboarding in under a minute
FIKA send money screen
Duka · Digital marketplace

Revenue beyond interest

A built-in marketplace where customers buy subscriptions, gaming credits and vouchers in local currency. You earn on every purchase and give customers a reason to open the app every day.

NetflixSpotifyAmazonPUBGFree Fire+ many more
FIKA Duka marketplace with Netflix, PUBG, Amazon and more
How we build it with you

From signed to live in under 16 weeks

You keep the licence, the customers and the brand. We bring the platform and the team that has done it before.

1. Plug into your core

We integrate with your core banking, payment switch and compliance systems. No core replacement.

2. Choose and brand

Pick your modules, set your products and pricing, and launch an app in your brand and language.

3. Launch and grow

Bank-grade security, biometric sign-in and fraud monitoring included. We support you after go-live.

Build a neo-bank like FIKA for your market

Tell us about your bank and we’ll show you the stack in action.

Talk to us