For SACCOs, microfinance institutions, cooperatives and financial organizations that need savings, loans, member accounts, accounting and branches in one secure system.
One centralized financial record for members, transactions and management reporting.
01
Members
Central profiles and KYC
02
Savings
Products and account history
03
Loans
Credit lifecycle and repayments
04
Branches
Controlled access and reports
Modern Core Banking for SACCOs, Microfinance Institutions, Cooperatives and Financial Institutions
Run savings, loans, member accounts, transactions, accounting and branch operations from one secure and centralized banking platform.
Cooperative hierarchy
Federation → Union → Branch → Staff → Member
Financial institution hierarchy
Head Office → Branch → Teller → Customer
DreamTech provides a modern Core Banking System in Ethiopia for SACCOs, savings and credit cooperatives, microfinance institutions, unions, federations and other financial organizations that want to replace fragmented, manual or paper-based operations with a centralized digital system.
From member registration and savings accounts to loan processing, repayments, accounting, teller operations and financial reporting, the platform gives your institution one reliable system for managing daily financial operations.
One Platform for Your Financial Institution
As institutions grow, separate spreadsheets, paper files, accounting systems and branch-level processes make it harder to know the real position of a member account, loan, repayment or transaction. DreamTech brings these processes together in one controlled system.
Authorized teams work according to organization, branch, department, role and responsibility. The implementation follows your structure.
Core Banking Features
One system for daily financial operations
Manage members, savings, credit, cash, accounting and organizational activity from a shared financial record.
Customer & Member Management
Maintain a centralized record for every customer or member.
The system can manage individual customers, organizations, groups and cooperative members with their account relationships, identification information, branch assignment and financial history. Authorized employees can see the information they need without unrestricted access.
Key capabilities
Individual and organization registration
Member/customer profiles
KYC information
Identification and supporting documents
Groups and centers
Branch and office assignment
Customer account relationships
Contact information
Account status management
Complete financial history
Notes and internal information
Search and filtering
Custom fields
Savings Account Management
Create different savings products according to your institution's rules and manage the complete account lifecycle digitally.
Staff can open accounts, accept deposits, process withdrawals, calculate applicable interest and generate account statements from the same system. Your institution can create multiple savings products without developing a separate system for each product.
Key capabilities
Savings product configuration
Individual savings accounts
Group savings
Deposit processing
Withdrawal processing
Minimum balance rules
Interest configuration
Interest posting
Charges and service fees
Account activation
Account closure
Account transfers
Transaction history
Savings statements
Account balance tracking
Loan & Credit Management
Manage the complete lending process from application to final repayment.
Loan products can be configured according to different interest rates, repayment schedules, charges, loan terms and eligibility requirements. The system keeps the loan account, transactions and repayment position connected.
Key capabilities
Loan product creation
Loan applications
Application review
Loan approval
Loan rejection
Loan disbursement
Repayment schedules
Principal and interest calculation
Loan installments
Repayment collection
Partial repayments
Early repayments
Late repayments
Penalties
Loan charges
Loan rescheduling
Loan history
Portfolio monitoring
Group lending
Guarantor-related workflows
Loan statements
Teller & Cashier Management
Give branches and cashiers a structured way to manage daily financial transactions.
Tellers can process authorized deposits, withdrawals, repayments and other supported transactions. Every transaction remains connected to the responsible user, branch and customer account.
Key capabilities
Teller creation
Cashier assignment
Cash allocation
Deposit processing
Withdrawal processing
Loan repayment collection
Cash-in and cash-out recording
Transaction history
Teller settlement
Branch-level transaction monitoring
User accountability
Audit information
Accounting & General Ledger
Core banking and accounting should not operate as two disconnected systems.
Qualifying banking transactions can generate accounting records according to the institution's structure, reducing duplicated data entry between operational and accounting teams.
Key capabilities
Chart of Accounts
General Ledger
Journal entries
Accounting rules
Debit and credit mappings
Product-to-account mapping
Cash accounting
Accrual accounting configuration
Financial periods
Accounting closures
Trial balance
Balance sheet
Income statement
Transaction journals
Branch accounting
Financial reports
Branch, Union & Federation Management
Support financial organizations operating across multiple levels.
A federation can have centralized visibility while unions and branches perform authorized daily activities. Federation, union, branch and staff access follows organizational authority without an independent banking database for every office.
Key capabilities
Federation oversight
Union management
Branch operations
Staff access by responsibility
Consolidated reporting
Organizational permissions
Control and accountability
Give the right people the right authority
Financial operations need clear permissions, review steps and traceable records.
Role-Based Access & Approval
DreamTech configures role-based access according to your operating structure. Permissions can be separated by function so employees receive only the access required for their responsibilities.
System Administrator
Federation Administrator
Union Administrator
Branch Manager
Teller
Cashier
Loan Officer
Accountant
Auditor
Supervisor
Reporting Officer
Maker-Checker Approval
Sensitive operations can require authorization from another employee before they become final. This approach can be configured around operations that need additional internal control.
Employee creates transaction
Supervisor reviews
Supervisor approves or rejects
System completes the approved operation
Complete Audit Trail
Authorized administrators and auditors can identify who performed important actions and when they occurred, improving accountability throughout the institution.
User activities
Financial transactions
Account changes
Approval actions
Loan processing
Configuration changes
Administrative actions
Real-time reports and management visibility
See operations and financial position across the institution without waiting for spreadsheets from every branch. Additional reports can be developed around your reporting requirements.
Savings portfolio
Loan portfolio
Outstanding loans
Repayments
Arrears
Branch performance
Teller transactions
Member/customer activity
General Ledger
Trial balance
Income and expenses
Portfolio quality
Transaction history
Account balances
Digital channels
An API-ready core for future services
The core can remain your financial system of record while approved services connect through controlled interfaces.
Core Banking → Digital Services
Introduce mobile banking, internet banking, USSD, agent banking, credit scoring, business intelligence, ERP and external reporting in later phases.
Payment integrations depend on available APIs, commercial agreements and regulatory approval.
telebirr
Bank integrations
Payment gateways
Mobile money
SMS notifications
OTP services
USSD
Mobile banking
Internet banking
Payment switches
QR payments
Credit bureau services
Identity/KYC systems
Deployment and resilience
Designed for your infrastructure requirements
Deploy as a secure internal web application, accessed through approved networks or VPN, with hosting selected for your operating needs.
On-premise
Run the platform on servers controlled by your institution, with internal network access.
Private cloud
Use controlled cloud infrastructure with defined network and access policies.
Hybrid
Keep primary operations in one environment and place backup or recovery services elsewhere.
High availability
Scale with multiple application servers, load balancing, replication and monitoring as actual usage grows.
Backup & recovery
Plan encrypted backups, off-site copies, recovery procedures and periodic tests around agreed RPO and RTO.
Financial security
Define TLS, MFA, private database access, API authentication, audit logs and controlled administration for your risk needs.
Internal web-based core banking
Keep your operational system inside controlled access
Employees can use a browser without installing banking software on every computer. The system can remain inaccessible from the public internet while approved integrations communicate through controlled interfaces.
01Head Office / Branch
02Private Network or Secure VPN
03Core Banking Web Application
04Core Banking Server
05Central Database
Production architecture
Plan for growth, recovery and financial security
High Availability & Scalability
The architecture can scale as transactions, employees, customers and branches increase. Begin with a practical configuration and expand when actual usage requires it.
Multiple application servers
Load balancing
Database replication
Automated backups
Disaster recovery
Central monitoring
Separate development, staging and production environments
Horizontal application scaling
Data Backup & Disaster Recovery
Recovery architecture is designed around the institution's required Recovery Point Objective and Recovery Time Objective.
Automated database backups
Encrypted backups
Point-in-time recovery
Database replication
Off-site backup
Secondary recovery location
Backup monitoring
Recovery procedures
Periodic recovery testing
Security for Financial Operations
Security controls are finalized according to the institution's risk, infrastructure and compliance requirements.
HTTPS/TLS
Role-based permissions
Strong password policies
Multi-factor authentication
Maker-checker controls
Audit logs
Private database network
Firewall rules
VPN access
API authentication
Session management
Database encryption strategy
Secure backups
Monitoring
Vulnerability assessment
Security updates
Controlled administrative access
Data migration
Bring existing records into the new core
Already using spreadsheets, an older banking system or another database? DreamTech can plan migration into the new core banking environment.
Migration is performed through agreed mapping, validation and reconciliation procedures before production cutover.
Member/customer information
Savings accounts
Account balances
Loan accounts
Outstanding loan balances
Repayment schedules
Transaction history
Chart of Accounts
Branch information
Employee/user information
Core Banking + ERP
Connect financial services and internal operations
DreamTech can connect the core banking platform with institutional ERP functionality when required, creating an integrated environment for financial services and internal business operations.
We review your organization, products, branches, savings processes, loan workflows, accounting structure, approvals and reporting requirements.
02
Core Banking Configuration
Savings products, loan products, accounts, organizational hierarchy, permissions, accounting rules and operational configurations are prepared.
03
Infrastructure Deployment
Development, testing and production environments are configured according to the agreed architecture.
04
Data Migration
Existing information is cleaned, mapped, imported and reconciled.
05
User Acceptance Testing
Your operational teams test real workflows before production launch.
06
Training
Administrators, branch teams, tellers, loan officers, accountants and other relevant users receive role-specific training.
07
Go-Live
The agreed production environment becomes operational.
08
Support & SLA
DreamTech can provide continuing technical support, monitoring, maintenance and agreed service levels after deployment.
Who it serves
Built for different financial institutions
SACCO Core Banking Software
Manage members, savings, loans, repayments, accounting and branch operations from one system.
Microfinance Core Banking Software
Manage large lending portfolios, loan products, repayment schedules, groups, savings and accounting operations.
Cooperative Core Banking
Digitize savings and credit operations for cooperatives, unions and federations.
Credit Union Software
Manage members, deposits, credit products, branches and financial reporting.
Federation Core Banking
Provide centralized oversight while allowing unions and branches to manage their authorized operations independently.
Why DreamTech?
A practical implementation around your institution
Built Around Your Institution
We configure the system around your financial products, branches, organizational structure and operational procedures.
Modern Web-Based Architecture
Authorized teams can access the system securely through a browser without relying on outdated desktop installations.
No Forced Per-User Software Model
Deployment and commercial terms can be structured around the institution instead of forcing operations around unnecessary user-license limitations.
Full System Ownership
Deployment can be established under infrastructure and accounts controlled by your organization according to the agreed implementation model.
API-Ready
The architecture allows future payment, mobile, reporting and digital banking services to connect without replacing your core platform.
Local Implementation
DreamTech provides implementation, configuration, deployment, migration, training and continuing support from Ethiopia.
Start Small. Scale When You Need It.
Launch the core first, then add digital channels
You do not need every digital banking channel on day one. A phased implementation reduces unnecessary complexity while keeping the platform ready for future expansion.
Phase 1
Core Banking
Members
Savings
Loans
Accounting
Branches
Teller
Reports
Users & Permissions
Phase 2
Mobile Banking
SMS
USSD
Payment Integration
Member Portal
Phase 3
Advanced Analytics
Digital Lending
Credit Scoring
Agent Banking
Payment Switch Integration
Additional Financial Products
Frequently asked questions
Core Banking FAQs
What is core banking software?
Core banking software is the central system used by a financial institution to manage customer or member accounts, savings, loans, financial transactions, accounting and branch operations. It acts as the main financial system of record for the institution.
Who can use DreamTech Core Banking?
The solution can be implemented for SACCOs, savings and credit cooperatives, microfinance institutions, credit unions, unions, federations and other organizations that provide structured financial services.
Is the system web based?
Yes. The platform can be deployed as a centralized web-based system that authorized employees access through their browser.
Can it work only inside our organization?
Yes. The system can operate on an internal network and be accessible only through approved office networks or VPN connections. External access is not required for normal internal operations.
Can multiple branches use the same system?
Yes. Multiple branches or organizational units can operate from one centralized platform while user access and reporting can be controlled according to branch and role.
Does it support savings accounts?
Yes. Different savings products can be configured with their own interest, fees, balance and operating rules.
Does it support loans?
Yes. The system can manage loan products, applications, approvals, disbursements, schedules, repayments, interest, charges and portfolio monitoring.
Does it include accounting?
Yes. Core financial operations can connect with General Ledger accounts, journal entries, accounting rules and financial reports.
Does it support maker-checker approval?
Yes. Selected operations can require approval from another authorized user before completion.
Can it integrate with telebirr?
Integration can be developed where the required APIs, commercial agreement and regulatory permissions are available to the institution.
Can we add mobile banking later?
Yes. The core banking platform can expose secured APIs for mobile banking, member portals and other digital financial channels.
Can it integrate with our existing ERP?
Yes. Integration requirements are reviewed during implementation. DreamTech can also provide ERP modules where the institution needs a combined Core Banking and ERP solution.
Can we host it on our own servers?
Yes. The system can be deployed on-premise, within private cloud infrastructure or through a hybrid architecture.
Who owns our financial data?
The financial institution retains ownership of its institutional and customer data according to the project agreement and applicable requirements.
Can DreamTech migrate our existing data?
Yes. Existing customer, member, savings, loan, accounting and related records can be assessed for migration. The exact migration scope depends on the quality and structure of the existing data.
Does DreamTech provide training?
Yes. Training can be provided for administrators, managers, tellers, loan officers, accountants and other relevant employees before production deployment.
Do you provide support after launch?
Yes. Ongoing support can be provided through a Service Level Agreement covering agreed support hours, response times, maintenance, backup supervision, technical assistance and system updates.
Replace Manual Financial Operations With One Centralized Platform
Whether you operate a single SACCO or a federation with multiple unions and branches, DreamTech can help you move from fragmented financial processes to a centralized, secure and scalable core banking environment.
