Savings infrastructure · West Africa
The operating system for Africa's savings businesses
DigiCollect gives susu businesses, savings companies and microfinance institutions one powerful platform to manage customers, collections, agents, savings, loans and payments — all in one place.
Built for the businesses powering everyday finance across Africa · Free 7-day trial · No credit card required
The problem
Africa already has a savings culture.
Now it needs better infrastructure
Millions of people across Africa save through susu collectors, savings businesses, microfinance institutions and community-based financial organizations. The problem isn't the demand for savings.
It's the infrastructure behind it.
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Manual record keeping
Customers hand over cash and get a tick in a notebook. When the notebook is lost, so is their savings history — and there is no audit trail to settle a dispute with.
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Transaction reconciliation that never quite closes
Handwritten pages, spreadsheets and chat messages have to be reconciled by hand at the end of every day. Small errors compound quietly until nobody can say what the real position is.
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No visibility into field operations
Without real-time tracking, managers have no view of what agents collected, what was deposited, and what went missing. Cash leaks in the gap.
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Agent management by memory
Assigning customers, setting daily targets and comparing performance is guesswork when the only record of a round is the agent's own notebook.
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Regulatory pressure
Central banks and financial regulators across West Africa require microfinance institutions to file structured reports — impossible to produce from handwritten ledgers.
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Scaling multiplies the problem
Growing from 5 agents to 50 means 10× the paperwork, 10× the errors, and 10× the reconciliation headaches.
The DigiCollect solution
From notebooks to infrastructure
The same business you run today — rebuilt on a system that remembers everything. DigiCollect turns everyday financial operations into a digital business.
- Lost pages, no backup
- Disputes you can't settle
- No idea what's missing
- Every entry saved & audited
- Instant receipts, zero disputes
- Real-time view of the whole business
Every transaction tells a story.
A collection isn't just a number. It's a customer.
01 — Captured
Every deposit, withdrawal and customer registration is recorded digitally in the mobile app — even offline. No more paper ledgers.
02 — Confirmed
The customer gets an SMS or WhatsApp receipt the moment the transaction is recorded. Trust built automatically.
03 — Visible
Every agent, transaction and customer balance shows up on the admin dashboard in real time, from anywhere.
04 — Reportable
Regulatory reports, vault summaries and reconciliation are generated from live data in one click.
Instead of
You get
The product
One platform, three places your business happens
The office, the field, and your customer's phone — each with the view it needs, all reading from the same record.
See the whole operation from one screen
Active agents, today's volume, customer numbers, pending approvals and your SMS and WhatsApp balances at the top. Weekly activity, the vault summary, every recent transaction and today's collection mix by channel underneath.
- Approve customers and withdrawals before funds move
- Record deposits and withdrawals directly from the portal
- Track vault position, expected balance and commission
- Runs in any browser — nothing to install
Built for the round, not the desk
Agents see today's volume, their recent customers and every transaction they've recorded. Deposits, withdrawals and new customer registrations take seconds — and keep working when the signal doesn't.
- Register customers with name, photo, ID and GPS location
- Collect cash or prompt a mobile money payment
- Daily target tracker with live progress
- Queued actions sync automatically once back online
Your customer sees the money land
A receipt goes out the moment a deposit or withdrawal is recorded — by SMS or on WhatsApp, whichever they prefer. And every member gets their own account on the customer portal, so their savings history is always one sign-in away.
- Automatic confirmation on every transaction
- Balance, activity and digital passbook in their own portal
- Account statements they can read, print or share
- Loans and repayment schedules visible to the customer
- Withdrawal requests raised by the customer, approved by you
Dear Kwame, your deposit of GHS 30.00 has been received. New balance: GHS 87.00. Acc #DC-***21. Ref TXN84203. Thank you for saving with us.
Reports are ready when you are
Regulatory-ready reports, vault summaries, commission tracking and daily reconciliation are generated from your live data — no rebuilding ledgers by hand.
- One-click regulatory report for microfinance compliance reporting
- Vault and profit tracking: funds under management, inflows, outflows
- Commission earned, per agent and per period
- PDF export of statements, histories and reports
Regulatory reports, territories, vault & profit tracking, commission reports and PDF export are available on the Professional and Enterprise plans.
In the field
Your agents, equipped
to collect anywhere
DigiCollect's mobile app keeps working even in areas with poor connectivity — agents register customers, collect deposits, and issue receipts when signal is weak. Actions are queued and sync automatically once a stable connection is restored.
- Works in low connectivity — syncs when back online
- Instant SMS receipt to the customer on deposit
- GPS location recorded for every customer
- Daily target tracker keeps agents motivated
Features
Everything your collection business needs
From onboarding a customer to reconciling cash at the end of the day — and from a first deposit to a fully repaid loan.
Payments
Mobile money collection
Collect customer deposits straight from their mobile money wallet across all major Ghana networks — no cash to carry. Agents send a prompt on the app and the customer approves on their phone. Funds settle directly into your own merchant account, powered by Moolre.
It moves straight from the customer to your own merchant account.
Reliability
Low-connectivity mobile app
Agents collect deposits and register customers even with poor signal. Actions are queued locally and sync automatically when connectivity is restored — nothing is lost and nothing has to be re-entered.
- Deposits, withdrawals and registrations all queue offline
- Receipts send as soon as the device is back on signal
- No duplicate entries when the queue drains
Credit
Loan management, inside the same system
Issue loans to your savings customers, generate automatic repayment schedules, and track collections — all within DigiCollect. Supports flat-rate and reducing-balance interest calculations.
- Agents submit applications in the field; admins review, approve and disburse
- Auto-deduction collects each instalment from the savings balance on its due date
- Portfolio view of disbursed, outstanding, repayment rates and arrears
| Due | Instalment | Balance | Status |
|---|---|---|---|
| 1 Jun | 210.00 | 1,050.00 | Paid |
| 1 Jul | 210.00 | 840.00 | Paid |
| 1 Aug | 210.00 | 630.00 | Paid |
| 1 Sep | 210.00 | 420.00 | Due today |
| 1 Oct | 210.00 | 210.00 | Scheduled |
| 1 Nov | 210.00 | 0.00 | Scheduled |
Capabilities
What's on the platform today
Everything listed here is live in DigiCollect now. Availability of a few reporting features depends on your plan.
01
Savings Management
- Customer savings accounts and running balances
- Deposits and withdrawals processed in seconds
- Digital susu passbook, one page per month
- Daily contribution amount per customer
- Customer account statements
02
Loan Management
- Loan applications submitted from the field
- Flat-rate and reducing-balance interest
- Automatic repayment schedules
- Automated repayment from savings balance
- Arrears tracking and portfolio analytics
03
Customer Management
- Registration with name, photo, ID and GPS location
- Auto-generated account numbers
- Admin approval before a customer can transact
- One customer database for the whole business
- Customer portal for balances, passbook and statements
- Full transaction history per customer
04
Agent Management
- Create agents and assign customers
- Daily collection targets with live progress
- Real-time performance tracking
- Territories drawn on a map
- GPS locations and turn-by-turn navigation
05
Transaction Management
- Cash and mobile money collection
- Withdrawal approval workflow before funds move
- Daily cash reconciliation with flagged discrepancies
- Instant SMS and WhatsApp receipts
- Timestamped audit trail on every action
06
Financial Reporting
- One-click regulatory report
- Vault summary and profit tracking
- Commission reports and tracking
- Daily reconciliation reports
- PDF export of statements and reports
07
Commission Management
- Custom commission rate on withdrawals
- Automatic calculation on every withdrawal
- Contribution-based deduction every 31 days
- Skipped, never partially taken, on a low balance
- Commission and net received shown on each row
08
Business Operations
- Multi-branch management
- HR & payroll
- SMS units with top-ups and custom sender ID
- Role-based access for administrators
- Built-in AI assistant for balances and how-tos
More ways to serve
Receipts on the channel they use.
Answers the moment you need them.
Every transaction leaves the customer with proof, and every question about your own operation has an answer in seconds.
Transaction receipt
Instant receipts on SMS & WhatsApp
Auto-send a receipt to the customer the moment a deposit or withdrawal is recorded — by SMS or on WhatsApp, whichever they prefer. The amount, the new balance and the reference are all on the message, so nobody has to call to check.
- Automatic
- Sent on every transaction
- SMS · WhatsApp
- Both channels supported
- Own sender ID
- Messages arrive in your name on Enterprise
Payment received
Thank you, Kwame. We've recorded your deposit for account #DC-***21.Deposit confirmed
Account #DC-***21 · New balance GHS 87.00 9:24 AMDigiCollect AI
An assistant that knows your operation
Ask the built-in assistant anything about your own business: a customer's balance, how to run a regulatory report, or why a withdrawal is still pending — and get a clear answer in seconds.
What's Kwame Jones' balance this month?
Kwame Jones has GHS 87.00 saved this month across 4 deposits, with 1 withdrawal of GHS 18.00. He's on track for his GHS 90 target.
How do I generate the regulatory report?
The collector's book, digitized
Not a tracker with a balance column.
A ledger that can be audited.
Every customer's deposit and withdrawal history is laid out day-by-day, one page per calendar month — just like the paper book agents already know — with commission and net received shown on every withdrawal row. Print it, share it, or view it live in the app.
| Day | Deposit | Withdraw | Balance |
|---|---|---|---|
| Aug 1 | 30.00 | — | 30.00 |
| Aug 2 | 30.00 | — | 60.00 |
| Aug 3 | — | — | 60.00 |
| Aug 4 | 30.00 | — | 90.00 |
| Aug 5 | — | 15.00 | 75.00 |
Who we serve
Built for the businesses moving money every day
Susu collection, daily savings and small-ticket lending work differently from retail banking. DigiCollect is shaped around how these businesses actually operate.
Susu businesses
Replace notebooks with a modern collection and customer management platform.
Modernize your collectionsSavings companies
Centralize your savings operation and give your team visibility.
Scale your businessMicrofinance institutions
Manage customers, savings, loans, repayments and agents from one system.
Run your institutionCommunity finance
Bring digital infrastructure to community-based financial services, and build trust through transparency.
Growing financial businesses
Replace disconnected tools with one operating system, and build for scale.
Designed for Africa
Built around the way African financial businesses actually operate.
Built for the field
Your business doesn't happen behind a desk. Your software shouldn't either.
Simple for teams
Agents shouldn't need technical training to record a transaction.
Powerful for administrators
Get the visibility and controls needed to manage a growing operation.
Ready to scale
Start with your current operation and expand as your business grows.
How it works
Up and running in minutes
No technical setup required. Create your account, add your agents, and start collecting.
01
Create your organisation
Sign up with your company details. Your free 7-day trial starts immediately with full access to all features.
02
Add your agents
Invite field agents by email. They download the DigiCollect mobile app and log in with their credentials.
03
Onboard customers
Agents register customers in the field — name, photo, ID, location. Accounts are approved from the admin portal.
04
Start collecting
Agents collect deposits daily. You see every transaction in real time. Cash reconciliation at end of day.
Takes about five minutes · 7-day free trial · No credit card required
Mobile app
Your agents collect
from their phone
The DigiCollect agent app keeps working even with poor connectivity. Agents register customers, collect deposits, and issue SMS receipts when signal is weak — actions are queued and sync automatically once they're back on a stable connection.
APK download via Expo · No Play Store required
Point a phone camera at the code — the APK downloads directly, no store account needed.
Security & reliability
Your customers trust you with their money
Your software should help you earn that trust every day. DigiCollect is built so the record is complete, the controls are real, and the money never changes hands without someone accountable for it.
Better records. Better visibility. Better operations.
- Deposit GHS 30.00 · Ama BoatengAgent PA
- Customer created · ID & GPS capturedAgent PA
- Withdrawal requested GHS 18.00Agent KB
- Withdrawal approved · funds releasedAdmin JO
Every row carries a timestamp and the person who made it.
Every entry is saved and audited
Deposits, withdrawals and approvals are recorded with a timestamp and the agent who made them. Disputes get settled by the record — not by whoever remembers best.
Withdrawals pass through approval
Funds aren't released until an administrator approves the withdrawal, and every decision is kept on the audit trail — control without slowing your team down.
Your money goes straight to you
Mobile money collections settle directly into your own merchant account via Moolre. DigiCollect never holds your members' funds.
Encrypted, on AWS
DigiCollect runs on Amazon Web Services. Data is encrypted in transit and at rest, and customer ID documents are encrypted at rest.
Role-based access
Administrators, agents and staff each see only what their role allows, with secure authentication on every session.
Works where the signal doesn't
Agents keep collecting and registering customers with weak or no connection. Actions queue on the device and sync automatically once they're back online — no lost data.
Daily cash reconciliation
At end of day you verify each agent's physical cash against the system records. Discrepancies are flagged automatically, leaving a clear trail.
Reports from live data
Regulatory-ready reports, vault summaries, commission tracking and daily reconciliation are generated from your live records, so filing never means rebuilding a ledger.
Our story
Susu collection runs West Africa.
We built the software to run it better.
Every day, thousands of field agents walk the markets, streets, and neighbourhoods of West Africa collecting small daily savings from ordinary people. Known as susu in Ghana, ajo or esusu in Nigeria, tontine in Senegal and Côte d'Ivoire, and njangi in Cameroon — it's one of the oldest and most trusted financial systems on the continent. And until now, it's been run almost entirely on paper, memory, and trust.
“Susu is not just a savings system — it's a lifeline for millions of people across West Africa who don't have access to formal banking. DigiCollect exists to make that system trustworthy, transparent, and scalable for the people who run it.” DigiCollect
Traditional savings isn't disappearing. It's becoming digital.
The relationship between a customer and their savings business is built on trust. Technology shouldn't replace that relationship — it should make it stronger. DigiCollect gives traditional financial businesses the infrastructure to operate like modern technology companies, without losing the way they already serve their customers.
Today
Next
Start small. Digitize what you already do. Build what comes next. Whether you're managing a small team of agents or building a large financial operation, DigiCollect is designed to grow with you — your infrastructure shouldn't become your bottleneck.
Pricing
Simple, transparent pricing
Start free. Scale as you grow. No hidden fees.
Starter
GHS200/month
Perfect for small collection businesses just getting started.
Get started- ✓ Customer management & approvals
- ✓ Transaction processing
- ✓ Basic reports & vault summary
- ✓ Customer account statements
- ✓ Mobile app for agents
- ✓ Loan management module
- ✓ Email support
- ✕ Regulatory report
- ✕ Territories & agent map
- ✕ Vault & profit tracking
- ✕ Commission reports
- ✕ PDF export
Professional
GHS300/month
For growing organisations that need advanced features and reporting.
Start free trial- ✓ Everything in Starter
- ✓ Regulatory report
- ✓ Territories & agent map
- ✓ Vault & profit tracking
- ✓ Commission reports & tracking
- ✓ Loan management module
- ✓ PDF export & statements
- ✓ Priority support
- ✕ Custom SMS sender ID
Enterprise
GHS400/month
For large organisations with high volumes and enterprise needs.
Get started- ✓ Everything in Professional
- ✓ Multi-branch management
- ✓ HR & Payroll
- ✓ Custom SMS sender ID
- ✓ Loan management module
- ✓ SLA-backed support
- ✓ Priority feature requests
All plans include a 7-day free trial. Cancel anytime.
Billing is currently in Ghana Cedis (GHS) only. Support for other West African currencies is coming soon.
See it live
Watch DigiCollect in action
Book a free 30-minute demo and we'll walk you through the platform — from onboarding your first agent to generating your first regulatory report. No commitment, no pressure.
- Live walkthrough of the admin dashboard and mobile app
- Tailored to your organisation size and use case
- Q&A with the DigiCollect team
- 30 minutes · Free · No credit card needed
Talk to us
We reply to every message, usually within 24 hours.
Questions
Frequently asked questions
Is there a free trial?
Yes. Every plan comes with a 7-day free trial and no credit card is required. You get full access to all features on your plan during the trial. Start your free trial.
How much does DigiCollect cost?
Three plans, all billed monthly:
- Starter — GHS 200/month. Up to 10 agents, 500 customers, 500 transactions a day, 100 SMS units.
- Professional — GHS 300/month. Up to 25 agents, unlimited customers and transactions, 200 SMS units, regulatory report, territories, PDF export.
- Enterprise — GHS 400/month. Unlimited agents, 300 SMS units, custom SMS sender ID, multi-branch, HR & payroll, SLA-backed support.
Billing is currently in Ghana Cedis only. Support for other West African currencies is coming soon.
Does the app work without internet?
Yes. The mobile app is built for low connectivity: agents collect deposits, register customers and issue receipts even with weak or no signal. Actions are queued locally and sync automatically the moment a stable connection returns — which matters most in markets and rural areas.
How many agents can I add?
Starter supports up to 10 agents, Professional up to 25, and Enterprise unlimited. You can upgrade at any time to add more — upgrades take effect immediately, downgrades at the start of your next billing cycle.
Can DigiCollect produce regulatory reports?
Yes. The Professional and Enterprise plans include a one-click regulatory report covering the metrics required by the Bank of Ghana for microfinance compliance reporting. It is generated from your live data. The Starter plan does not include this report.
How is my data secured?
DigiCollect runs on AWS. Data is encrypted in transit and at rest, customer ID documents are encrypted at rest, access is role-based with secure authentication, every action is written to an audit trail, and withdrawals pass through an approval workflow before funds are released.
Who holds the money customers deposit?
You do. Mobile money collections settle directly into your own merchant account through Moolre. DigiCollect never holds your members' funds.
Which devices does DigiCollect support?
The agent app is available for Android and installs from an APK you can download directly — no Play Store account needed. iOS support is coming soon. The admin portal runs in any browser, on desktop or mobile.
Can I cancel at any time?
Yes — there are no lock-in contracts. Your account stays active until the end of the current billing period, and you're never charged after cancelling. We don't refund partial months.
How long does it take to get started?
About five minutes. Create your organisation, invite your field agents, have them install the mobile app, and start collecting. Your 7-day free trial begins immediately.
Still have a question?
Ask us directly, or see the platform live on a 30-minute call.
Start today
Your savings business deserves better infrastructure.
Move beyond notebooks, spreadsheets and disconnected systems. Build your operation with DigiCollect.
No complicated setup · Start with the way your business works today