Braavos Cloud

Braavos Cloud is a cloud-based, core-banking system. The software has been consistently proven to help financial organisations improve efficiency, reduce costs, and expand outreach into the rural areas where the majority of the unbanked live.


Apart from the core banking functionality, Zhen Systems has pioneered the use of new technology in microfinance, and as such is integrated with multiple mobile money transfer services, includes an Messaging module for the sending of automated payment reminders and credit scoring to improve lending decisions. Zhen Systems therefore helps financial organisations to leverage the latest technology sweeping across Africa, but at a fraction of the cost associated with traditional banking systems.

Mobile Microfinance

Following the successes of M-PESA, MTN Mobile Money, Airtel Money and the many other mobile money transfer systems being used across Africa, we believe in the huge potential in linking mobile and microfinance. Indeed, the original idea behind M-PESA was to make it easier for microfinance clients to make loan repayments. By processing loans, savings and repayments over mobile money transfer systems, MFIs can improve their efficiency, reduce the errors and wasted time associated with manual cash handling, and lower the likelihood of fraud. The Zhen System has therefore been built to make it as easy as possible for you to integrate with mobile money. We are already integrated with M-PESA (Kenya & Tanzania) and Airtel Money.

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Game Changers

We work with people and organizations who have ambitious missions - whether they are in the commercial, social or government sectors. We set up smart teams who love challenges and think disruptively to help our clients succeed. Our Agile development tools help our clients continuously improve and deliver quality software. We are focused on helping our industry improve, and believe in sharing what we learn. We do this by blogging, talking at conferences, and championing open source. We are strong believers in the power of software and technology as tools for social change.