Everything in a single tenancy
No bolt-on modules. No per-feature licenses. Every capability below is included in the TIKARI platform, engineered for Africa's Islamic banking and microfinance sector.
Schedule a DemoBanking Operations
Customer onboarding with National ID/Passport verification, tiered KYC (Tier 1-3), account management, community savings group banking, teller operations, regional interbank payment gateways, and agent banking.
- National ID/Passport National ID biometric verification
- community savings group cycles
- Interbank Transfer Systems Real-time interbank transfers
- Agent & field officer portal
- Multi-branch teller operations
Islamic Financing & Treasury
Native support for all six Shariah-compliant financing structures. Each product has its own GL logic, profit-sharing mechanics, and Shariah validation workflow. Not a loan with a renamed field.
- Murabaha (cost-plus sale)
- Mudarabah (profit-sharing)
- Musharakah (partnership)
- Ijara (leasing)
- Salam & Istisna (forward contracts)
Compliance & Shariah Governance
The ACE (Audit & Compliance Executives) and Shariah Supervisory Board are first-class users. Fatwa repository, product screening, AML/CFT transaction monitoring, and all prudential regulatory returns generated from the GL directly.
- Fatwa repository & product approval
- ACE dashboard & audit trail
- AML/CFT transaction screening
- 12 regulatory returns (auto-generated)
- AAOIFI FAS compliance tagging
GL & Financial Reporting
A true double-entry general ledger built on AAOIFI financial accounting standards. Chart of accounts pre-configured for non-interest banks. Trial balance, income statement, and balance sheet in real time.
- AAOIFI-configured chart of accounts
- Real-time trial balance
- Deferred income schedules (FAS 2, 3)
- Profit pool distribution (Mudarabah)
- Under-10-minute EOD close
Agent & Field Banking
Extend your reach without building branches in multiple regional locations. Agent portal with offline-capable transaction posting, geo-tagging, and real-time reconciliation back to the core. Full audit trail for every agent action.
- Agent onboarding & ID KYC
- Offline transaction queueing
- Geo-tagged field collections
- Cash-in / cash-out reconciliation
- Agent commission ledger (local currency)
Administration & EOD Processes
System administration, user and role management (RBAC), scheduled jobs, end-of-day batch processing, backup and disaster recovery, and regulatory reporting scheduler.
- Role-based access (RBAC)
- Four-eyes maker-checker approval
- Automated EOD batch run
- Audit log (immutable)
- Backup & DR scheduler
Wired into regional financial infrastructures
TIKARI connects natively to regional interbank transfer systems for real-time payments, central bank reporting APIs, national identity verification databases, and AML/CFT compliance systems. No middleware required.
Interbank Systems
Real-time interbank transfers
Regulatory Reporting API
12 prudential returns
National ID / Passport
Identity verification
Deposit Insurance
Deposit insurance reporting
AML/CFT Standards
STR / CTR filing (AML/CFT)
Banking Regulator
Central bank compliance