In the modern financial services landscape, the stakes are higher than almost any other sector. You aren’t just managing “transactions”; you are managing trust, risk, and regulatory obligation. One mistake in loan underwriting, a delay in fraud detection, or a missed compliance filing doesn’t just cost money- it risks customer confidence, regulatory penalties, and your license to operate.
For years, many financial institutions have survived on a “fragmented” diet of legacy core banking systems, spreadsheets, and manual reconciliation. But as digital lending explodes, cyber threats evolve, and regulators (like CBK, FCA, SASRA) tighten reporting requirements, “surviving” isn’t enough.
The future belongs to fully automated, intelligent financial operations- powered by AI underwriting, real-time fraud detection, and seamless integrations. This is where FinCore 365 steps in. Built by Software Dynamics as a specialized industry accelerator for Microsoft Dynamics 365, it now integrates Artificial Intelligence, robotic process automation (RPA), and real-time integrations across a complete suite of modules- from loan origination to financial consolidation- turning operational friction into Intelligent Flow.
Core Modules briefly
| Customer 360 & Onboarding | AI-driven KYC, biometric verification, digital onboarding |
| Loan Origination & Underwriting | Automated credit scoring, risk-based pricing, decision engines |
| IoT-Connected Collateral Management | Real-time asset tracking for secured lending (vehicles, equipment, inventory) |
| AI Fraud Detection & AML | Behavioural analytics, sanctions screening, real-time alerting |
| Collections & Workout Automation | Predictive delinquency scoring, automated payment plans |
| Customer Portal | Self-service loan applications, e-signatures, document uploads |
| Vendor & Partner Portal | Broker/agent commissions, introducer management, third-party verifications |
| Core Banking Integration | Real-time GL posting, general ledger, multi-entity consolidation |
| Financial Management & Reporting | IFRS 9 compliance, automated provisioning, liquidity planning |
| Treasury & Risk Management | Cash flow forecasting, interest rate risk, ALM modelling |
| Sales & Distribution (Digital Lending) | Multi-channel origination (SMS, USSD, app, agent network) |
| Returnable / Collateral Packaging | Track and manage physical collateral assets |
| Unlimited Integrations | Credit bureaus, payment gateways, national IDs, ERP systems |
Core Features of Dynamics 365 Business Central Included
- Advanced General Ledger & Chart of Accounts: Full multi-company, multi-currency, and multi-dimension financial tracking that ensures every operation maps accurately to financial statements.
- Cash Management & Bank Reconciliation: Comprehensive tools to manage bank accounts, import electronic bank statements, and automate matches.
- Fixed Assets Management: Full lifecycle tracking of internal corporate assets, depreciation schedules, and maintenance records separate from customer-loan collateral.
- Accounts Payable & Receivable: Enterprise-grade vendor management, purchase invoicing, workflows, and generic customer invoicing.
- Human Resources & Basic Payroll: Tracking employee profiles, contract terms, absences, and expense reimbursements.
1. The Core: AI-Powered Customer 360 & Onboarding
At the heart of every financial service is the customer. In traditional setups, customer data lives in silos- KYC here, loans there, collections elsewhere. This creates massive risk for fraud and poor customer experience. FinCore 365 treats the customer as a single source of truth:
- Unified Customer 360: Combine transactional, credit, and behavioural data from core banking, mobile money, and external bureaus. This structural profile brings fragmented data into an active analytics layer, helping teams gain a complete operational history of consumer activity to quickly assess identity preferences and continuous relationship changes.
- AI-Driven KYC Automation: Extract and validate data from national IDs, passports, and utility bills- reducing onboarding from days to minutes. Utilizing built-in artificial intelligence parsing engines, the platform immediately extracts database text from photo uploads, minimizing traditional operational entry delays and error rates completely.
- Biometric & Liveness Detection: Prevent identity fraud with facial recognition and voice biometrics. This security verification ensures the physical presence of the actual applicant, blocking automated bad actors from leveraging stale digital identity duplicates or stolen verification records.
- Digital Onboarding Workflows: Fully paperless with e-signatures, video KYC, and automated account opening. This mechanism builds an online remote pathway where consumers quickly execute legal agreements from any smart device without tracking down brick-and-mortar storefront configurations.
The Impact: You move from fragmented manual onboarding to instant, compliant customer acquisition- with 80% less operational cost.
2. Loan Origination & Underwriting- From Days to Milliseconds
Traditional loan underwriting is slow, biased, and expensive. FinCore 365 automates the entire lifecycle.
Capabilities:
- Automated Credit Scoring: Integrate with credit bureaus (TransUnion, CRBA), mobile money history, and alternative data (e.g., utility payments, social commerce). Real-time API connectors pool these diverse transaction histories into an advanced scoring calculation matrix, opening compliant credit evaluation models even for historically unbanked populations.
- AI Risk-Based Pricing: Dynamically price interest rates and fees based on real-time risk profiles. Rather than relying on rigid, manual pricing tables, the pricing module calculates specific yields based on applicant transaction safety thresholds, safely insulating institutional margins.
- Decision Engine Rules: Configure custom approval workflows- from fully auto-approved micro-loans to complex commercial lending. Managers can build deep conditional branches that route straightforward low-tier consumer lending to instantaneous clearance, while holding large enterprise corporate credit structures for strict manual compliance review.
- Loan Origination System (LOS): Track applications from submission to disbursement, with automated document verification. This structural matrix visualizes pipeline bottlenecks and tracks file dependencies instantly, verifying that necessary legal artifacts are complete before passing any transaction forward.
- IFRS 9 Stage Allocation: Automatically classify loans into staging based on payment behaviour and macroeconomic triggers. By monitoring repayment patterns dynamically, the platform eliminates the spreadsheet tracking required to accurately report asset impairment stages over time.
The Impact: Loan approval times from 5 days to 5 minutes. Higher approval rates without higher risk.
3. IoT-Connected Collateral Management
For secured lending (agriculture, vehicle finance, inventory funding), collateral is the lender’s safety net. But physical collateral can move, deteriorate, or vanish. FinCore 365 integrates IoT to track real-world assets:
- GPS Trackers on Vehicles/Equipment: Real-time location and geofencing alerts. If collateral crosses a boundary, the system auto-flags risk. This maps physical assets directly to loan agreements, alerting credit managers immediately if a vehicle leaves a permitted operating territory.
- IoT Sensors for Perishable Collateral: For agricultural lending- track warehouse temperature, humidity, and access logs. Connecting directly to environmental hardware counters product spoilage or theft inside grain or cold-storage centres before the baseline loan asset drops below safe valuation parameters.
- Automated Collateral Valuation: Integrate with market price APIs (used vehicles, commodities) to auto-adjust loan-to-value ratios. This system link accounts for asset depreciation curves and market spikes automatically, giving risk teams real-time safety metrics without requiring repetitive third-party physical appraisal costs.
- Collateral Audit Trails: Every inspection, revaluation, and release is logged and audit-proof. The data registry logs asset modifications permanently, producing verifiable internal reports for regional auditors and institutional compliance reviews.
The Impact: Reduce collateral fraud by 90%. Never lose track of a secured asset again.
4. AI Fraud Detection & AML- Embedded, Not Appended
Fraud and money laundering are no longer “end-of-month” checks. They require real-time, embedded intelligence.
- Behavioural Analytics AI: Learns normal customer transaction patterns and flags anomalies (e.g., sudden large transfers, round-tripping, layering). Instead of using standard flat rules, the baseline AI maps structural deviations immediately, capturing complex money moving patterns right at the processing phase.
- Real-Time Sanctions Screening: Automatic checks against global watchlists (OFAC, UN, EU) at onboarding and on every transaction. The system matches entity names dynamically against international lists, actively preventing problematic actors from transferring capital within your ecosystem.
- Transaction Monitoring with Case Management: Suspicious activities auto-create cases with audit-ready investigation workflows. Confirmed alerts build into a tracking dashboard where compliance staff can securely add evidence files, document investigations, and run reviews within a managed layout.
- SAR (Suspicious Activity Report) Automation: Generate regulator-ready reports with one click. This reporting engine bundles the evidence timeline and formats raw files to meet local compliance criteria, keeping external filing pipelines fast and uniform.
- Peer Group Analysis: Compare customer behaviour to similar profiles to detect synthetic identity fraud. By matching user patterns against peer profiles, the system isolates unusual deviations that regular compliance tools miss.
The Impact: Reduce false positives by 70%. Stay audit-ready 24/7. Protect your license to operate.
5. Collections & Workout Automation
Late payments are inevitable. How you manage them determines profitability and customer loyalty.
- Predictive Delinquency Scoring: AI predicts which customers are likely to become 30/60/90 days late- before they miss a payment. The diagnostic engine maps behavioural indicators to identify changing financial stress patterns early, letting recovery teams step in before accounts default.
- Automated Customer Communication: Personalized SMS, email, or USSD nudges based on risk tier and preferred channel. It distributes clear notifications matching the user’s specific risk category, improving collections without overloading manual call centres.
- Workout Plan Generator: Automatically offer restructuring, payment holidays, or moratoriums based on policy rules. The platform calculates compliant options using pre-approved credit guidelines, helping borrowers navigate temporary hardships smoothly.
- Collections Agency Integration: Seamless handoff to external agencies with performance dashboards. This securely bridges file records to third-party collectors while giving managers full visibility into agency recovery rates.
- Litigation & Legal Tracking: Manage court cases, judgments, and enforcement actions from within the platform. Legal teams can track legal steps directly alongside original loan files, keeping data centralized and transparent.
The Impact: Improve collections recovery rates by 30–50% while preserving customer relationships.
The “Accelerator” Advantage: Success, Pre-Configured
The most common fear of implementing a financial services platform is time and custom development cost. Software Dynamics eliminates this with Strategic Industry Accelerators- now including pre-built AI models, regulatory templates, and integration workflows. Rather than spending months coding from scratch, you start with a complete financial services blueprint pre-configured for best practices- including loan origination, IFRS 9 provisioning, fraud detection, and reporting. This reduces deployment time by up to 85%.
Transparent Implementation & Pricing
Software Dynamics believes enterprise-grade technology should be accessible to institutions of all sizes.
Subscription: $350 per month per legal entity (includes ALL modules- AI underwriting, fraud, portals, treasury, integrations)
Flexible Implementation: Standard (single-branch, basic lending) to Enterprise (multi-country, full treasury, custom integrations, 1M+ customers)
Why Software Dynamics?
Choosing a partner is as important as choosing the software. As a Microsoft Solutions Partner with 15+ years of experience and 150+ implementations across financial services, Software Dynamics brings multinational DNA to every project. We specialize in financial services digital transformation- moving you beyond “go-live” to measurable growth through automation, intelligence, and integration.
For a high-level summary of everything our platform can do, check out our quick presentation deck HERE
Ready to transform your financial operations from friction to intelligent flow?
Call us: +254 768 341 410