BFSI Field Sales Software for Ghana's Banking and Insurance Agent Network

Each role has its own screen inside the same cloud app. Mobile money agents get a kiosk or outlet-based coverage view. Banking agents run agency banking activity against a defined territory. Insurance intermediaries log proposals and track persistency. Microfinance loan officers keep a separate member-visit beat. Every role keeps its own targets and dashboard rather than sharing one generic view.

Every user is assigned a coverage zone built from outlet, branch and customer geo-fences. Check-in requires a selfie the platform validates with AI. Because GhanaPostGPS adoption is still uneven, mapping combines GPS coordinates with landmark references. Capture works offline on rural and northern beats, storing the location, time and photo on the device until the connection returns.

Stages run recruitment, Ghana Card verification, agreement signing, float setup and activation. Each stage carries the applicant's documents, an owner and an ageing marker, tracked in GHS where a float or limit applies. Automation raises an alert once a file sits past a set number of days. A supervisor sees every stalled application by region and by recruiting officer before it goes cold.

Agency managers see every agent on one dashboard: onboarding status, visit frequency and activity volume. Insurance intermediaries move through a separate quote-to-policy pipeline covering proposal, documentation and issuance. Banking agents working agency banking outlets get their own float and transaction-activity scorecards, rolled up by region and by supervisor.

Recruiting officers log a structured visit note and upload the Ghana Card, a shopfront photograph and the signed agreement from the app. Files tag themselves to the correct agent record. Compliance teams open them without asking for a resend. Supervisors can see how complete an agent's file is in real time, even for an agent recruited from a kiosk or a container shop.

Yes. Core banking, policy administration and agent-management systems connect through API or scheduled SFTP exchange. The platform matches a supervisor's visit to agent activity, and an intermediary's proposal to the policy it produced. Verified visit-to-outcome ratios are what drives incentive calculation. A visit with no matching activity behind it gets flagged for review rather than counted.

Agent recruitment records the checks a Bank of Ghana-regulated institution needs to keep: Ghana Card verification, a signed agreement and a documented outlet visit. Personal data captured in the field is handled under the Data Protection Act, 2012 (Act 843), with role-based access and an audit trail on every record change. The platform supports these obligations; it holds no licence or approval of its own.

AI runs selfie matching at check-in, flags recruitment files ageing past their stage, and answers plain-language questions through 1Voice. Automation handles approval routing, document tagging and exception escalation. Field users get a ranked list of which agent or outlet to visit next, rather than a fixed call sheet that ignores what actually needs attention.

Supervisors see coverage by region, agent productivity, and how long recruitment files have been open. Agency managers see activity volume, visit compliance and onboarding status across banking agents and insurance intermediaries. Leadership can drill from a national view down to a single region, supervisor or agent, and 1Voice answers most questions without a custom report.

Yes. The app is built offline-first for the coverage gaps that are real on Ghana's northern and rural routes. Check-in, visit notes, Ghana Card scans and photographs are all captured and held on the device without a signal, then post themselves once the handset reconnects. No visit is lost to a dead zone.