SmartTeller

SmartTeller is a digital banking platform for cooperatives, mini-banks, microfinance institutions, and thrift collectors that replaces paper-based operations with configurable, multi-channel account and transaction management.

Key capabilities include:

• Member account operations and dashboard tools for crediting and debiting members, maintaining member data, and managing day-to-day cooperative transactions from a responsive admin interface.
• Loan management with loan creation, balance tracking, duration settings, auto-repayment options, and an AI loan evaluator referenced on the product site.
• Investment and shares configuration to set durations and maturity dates, create member-specific or general investment products, and set unit pricing (including setups that work as shares).
• Governance and notifications through role-based staff access (Admin, Auditor, Teller) plus SMS and email alerts (plan-dependent).

Available via Web, mobile, and offline USSD. It also supports field collections with SmartTeller Box, a POS device used by staff for deposits and withdrawals with receipt printing.

SmartTeller targets B2B financial groups in Nigeria and other African markets, including cooperative societies, thrift collectors, mini-banks, and microfinance operators that need auditable records, faster service delivery, and member self-service options.

Notable in the Nigerian cooperative ecosystem for its multi-channel access (including offline USSD and POS-based field banking) and publicly stated adoption by 1000+ cooperatives, alongside participation in several African fintech and inclusion programs and awards listed in the research brief.