Zentrixs MicroFinance Suite is a modular SaaS platform that manages the entire microfinance lifecycle — from loan origination to recovery — integrated with AI, analytics, and multilingual interfaces.
Core Modules:
- Client Onboarding & KYC Verification
- Mobile and web onboarding in English, Sinhala, Tamil, Bengali, and Vietnamese
- OCR & face recognition-based KYC validation
- Integration with local ID systems (e.g., NIC, Aadhaar, NID)
- Loan Origination & Approval Engine
- AI-based credit scoring & risk assessment
- Custom loan product templates
- Automated approval workflows with e-signature integration
- Savings, Deposits & Collections
- Manage recurring deposits, voluntary savings, and collections
- Mobile collection apps with offline capability for field officers
- Multi-currency accounting and reconciliation
- Disbursement & Repayment Management
- Digital disbursements via local banking gateways
- SMS/WhatsApp repayment reminders in the user’s native language
- Automated late-fee calculation and rescheduling
- AI Analytics & Reporting Dashboard
- Predictive loan default forecasting
- Branch and field performance analytics
- Regional trend analysis with Power BI integration
- Regulatory Compliance & Audit Trail
- Country-specific compliance (CBSL, RBI, Bangladesh Bank, SBV)
- Complete audit logs and system trails
- Cloud backups and data encryption
🌐 Multilingual & Multicultural Capabilities
Supported Languages:
- English – Default business and reporting language
- සිංහල (Sinhala) – For Sri Lankan regional operations and clients
- தமிழ் (Tamil) – For Tamil-speaking populations across Sri Lanka & India
- বাংলা (Bengali) – For Bangladesh operations and Bengali-speaking clients
- Tiếng Việt (Vietnamese) – For Vietnam market integration
Multilingual Features:
- Dynamic UI translation and user profile language preferences
- AI-based text-to-speech and chatbot support in all supported languages
- Auto-translation for reports, notifications, and receipts
- Dual-language PDF statement generation
💬 Example:
A field officer in Jaffna can use the app in Tamil, while the central finance officer views the same data in English — perfectly synchronized in real time.
📲 Technology Stack
- Frontend: React / Flutter (mobile & web multilingual UI)
- Backend: .NET Core / Node.js microservices
- Database: Microsoft SQL / PostgreSQL / MongoDB
- Cloud: Microsoft Azure, AWS, or SAP Business Technology Platform
- AI Layer: Python ML Models (credit scoring, NLP-based chatbot)
🧠 AI-Driven Functionalities
- Smart Credit Scoring – Evaluates borrower potential using behavioural and financial metrics.
- Fraud Detection – Machine learning models flag irregular loan patterns.
- Automated Translation Engine – Uses NLP to localize messages, reports, and chatbot interactions.
- Chatbots for Field Agents – Support in Sinhala, Tamil, Bengali, and English for quick help.
🏦 Deployment Benefits
| Benefit | Impact |
|---|---|
| Multilingual system | Empowers field agents and borrowers in their native language |
| Cloud-native SaaS | Quick deployment with no local server dependency |
| AI-based analytics | Smarter decisions and risk mitigation |
| Offline mobile capability | Perfect for rural and low-connectivity regions |
| Compliance-ready | Country-specific microfinance standards |
| Integration support | Works with SAP, Dynamics 365, and national banking APIs |
🌏 Regional Presence
| Country | Focus Area | Language Support |
|---|---|---|
| 🇱🇰 Sri Lanka | Rural microloans, women’s cooperatives | Sinhala, Tamil, English |
| 🇮🇳 India | Urban/rural microfinance institutions | English, Tamil, Hindi |
| 🇧🇩 Bangladesh | Village-based MFIs and NGOs | Bengali, English |
| 🇻🇳 Vietnam | Agricultural and SME lending | Vietnamese, English |
🤝 Why Choose Zentrixs MicroFinance Suite
- 100% Cloud & Mobile-first architecture
- Multi-lingual and multi-currency system
- Seamless AI integration and field automation
- Regulatory compliant for all operating regions
- End-to-end customization and API integration support
🚀 Our Mission
To enable every microfinance institution — big or small — to deliver financial inclusion through technology, across languages and borders.