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
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.
DigiCollect changes that. We turn everyday financial operations into a digital business.
The same business you run today — rebuilt on a system that remembers everything.
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.
Give your team an assistant that answers instantly — day or night.
Answers about balances, reports and how-tos — instantly.
A built-in assistant that understands your collection business. Ask it for a customer's balance, how to run a regulatory report, or why a withdrawal is pending — and get a clear answer in seconds.
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.
Replace notebooks with a modern collection and customer management platform.
→ Modernize your collectionsManage customers, savings, loans, repayments and agents from one system.
→ Run your institutionCentralize your savings operation and give your team visibility.
→ Scale your businessBring digital infrastructure to community-based financial services.
→ Build trust through transparencyReplace disconnected tools with one operating system.
→ Build for scale"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."
From onboarding customers to reconciling cash at end of day — DigiCollect handles it all.
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 Hubtel and Moolre.
It moves straight from the customer to your own merchant account.
Agents collect deposits and register customers even with poor signal. Actions are queued locally and sync automatically when connectivity is restored.
Create agents, assign customers, set daily collection targets and track performance in real time.
Process deposits and withdrawals in seconds. Automatic commission calculation on every withdrawal.
Regulatory-ready reports, vault summaries, commission tracking and daily reconciliation — all in one place.
Customers get instant SMS confirmations for every deposit. Build trust and reduce disputes.
Withdrawals require admin approval before funds are released. Full audit trail of every action.
Set daily collection targets for agents. They see live progress on their phone — motivation built in.
Draw collection zones on a map, assign agents to territories, and see exactly where your customers are located.
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 from the dashboard. Full audit trail on every decision.
See total disbursed, outstanding balances, repayment rates, and arrears at a glance. Know exactly which loans need attention.
Turn on auto-deduction and DigiCollect collects each monthly instalment from the customer's savings balance the day it's due — no agent follow-up required.
Prefer the traditional susu model instead of a per-withdrawal fee? Set a daily contribution amount per customer and DigiCollect automatically deducts one day's contribution as commission every 31 days — or at withdrawal time if that comes first. No agent action needed, and it's skipped (never partially taken) if the balance is too low, retrying automatically later.
A collection isn't just a number. It's
DigiCollect turns those everyday transactions into organized, actionable financial data.
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.
Start small. Digitize what you already do. Build what comes next.
Every customer's savings history, laid out day-by-day just like the paper book agents already know — but live, auditable, and printable.
Not a tracker with a balance column. A ledger that can be audited.
The traditional collector's book, digitized. 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.
No technical setup required. Create your account, add your agents, and start collecting.
Sign up with your company details. Your free 7-day trial starts immediately with full access to all features.
Invite field agents by email. They download the DigiCollect mobile app and log in with their credentials.
Agents register customers in the field — name, photo, ID, location. Accounts are approved from the admin portal.
Agents collect deposits daily. You see every transaction in real time. Cash reconciliation at end of day.
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
Start free. Scale as you grow. No hidden fees.
Perfect for small collection businesses just getting started.
For growing organisations that need advanced features and reporting.
For large organisations with high volumes and enterprise needs.
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.
Real feedback from the agents and managers using DigiCollect every day.
"Before DigiCollect, I was carrying three notebooks and still losing track of who paid. Now everything is on my phone and my manager can see it in real time. I haven't had a single dispute with a customer in four months."
"The regulatory report alone is worth the subscription. What used to take my accountant two days now takes five minutes. We passed our last audit without a single query."
"My customers love the SMS receipts. They used to call me every week asking about their balance. Now they just check their messages. It has made my job so much easier."
"We scaled from 8 agents to 22 in three months and the system handled it without any issues. The territory mapping feature is brilliant — I can see exactly which zones are underperforming."
"The offline mode is a game changer. I work in areas where network is very bad. I collect all day and everything syncs when I get back to town. No lost data, ever."
"I was sceptical about switching from paper but the setup took less than a day. The support team walked us through everything. Three months in and I can't imagine going back."
Built around the way African financial businesses actually operate.
Your business doesn't happen behind a desk. Your software shouldn't either.
Agents shouldn't need technical training to record a transaction.
Get the visibility and controls needed to manage a growing operation.
Start with your current operation and expand as your business grows.
Your software should help you earn that trust every day.
DigiCollect helps businesses create accurate records, improve operational visibility and build consistent financial processes.
Better records. Better visibility. Better operations.
Whether you're managing a small team of agents or building a large financial operation, DigiCollect is designed to grow with you.
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.
Move beyond notebooks, spreadsheets and disconnected systems. Build your operation with DigiCollect.
No complicated setup · Start with the way your business works today