Software for Banks, Insurers and Lenders Across South Africa

Through one cloud backend. The SFA module records what relationship managers, agents and consultants do in the field. The incentive engine turns that activity into monthly rand slabs and settles them by instant EFT or PayShap. The LMS holds a product back until FAIS and FICA certification is in place. Branch and provincial management then read all three off a single dashboard.

Yes, every role has its own. Relationship managers work an SME and private-client calendar across Gauteng, the Western Cape and KwaZulu-Natal. Direct sales agents log transactional-account, vehicle-finance and card sourcing against geo-tagged visits, with landmark pins where addressing is inconsistent. Tied agents and brokers capture proposals. Micro-lending consultants track applications and affordability checks. One offline-first app underneath, role-specific measures on top.

Credit moves through enquiry, FICA verification, affordability assessment, approval and disbursement. Insurance moves through enquiry, quote, proposal, underwriting and policy issue. Every stage carries its own ageing rule. Branch managers watch live rand pipeline value by adviser and by product, while each agent sees a personal funnel with bottleneck flags, so a file that has gone quiet in Gqeberha or Polokwane surfaces the same week.

Sourcing and conversion volumes arrive from the SFA module and from core banking. Slab rules do the arithmetic every month, so nobody reconciles by hand. Settlement leaves on a fixed cycle by instant EFT or PayShap, and the member gets an SMS and a WhatsApp confirmation. Every approval along the way is written to an audit trail your internal-control and AML teams can pull.

Yes. Structured modules run through FAIS representative requirements, FICA verification, AML obligations, National Credit Act affordability rules and product knowledge. Because certification status feeds the SFA, a representative who has not cleared the quiz cannot open a newly launched product on the app. Content is delivered in English, isiZulu, isiXhosa, Afrikaans or Sesotho for a genuinely multilingual field force.

Nothing changes, because the app is offline-first. An adviser on a rural route in Limpopo, a consultant working Mdantsane, or a broker in a basement branch still captures attendance, verification documents, lead notes and application updates with no connection at all. Everything, photographs and timestamps included, is held on the device and pushed to the cloud once coverage returns.

Yes, over REST APIs and SFTP. The usual connections are T24, Finacle, Flexcube, loan-management systems and long-term or short-term policy administration platforms. Disbursement, policy issue and persistency data flow back so the pipeline and the incentive calculation stay current, and webhooks fire downstream alerts when an approval, a disbursement or a settlement clears.

In four places. It matches a selfie against the registered adviser at attendance. It scores pipeline applications by likelihood of conversion. It flags duplicate sourcing before a single rand leaves the account. And 1Voice takes a plain question, “top Gauteng branches by vehicle-finance disbursement this quarter”, and answers it without anyone building a report.

A branch manager sees pipeline value by adviser, sourcing volumes, verification turnaround and who is certified. Heads of bancassurance and of the broker channel see conversion, tier mix and rand incentive earnings. Executives get province-level roll-ups across all nine provinces, with drill-down to the individual adviser and the individual application. Anything outside that, ask 1Voice.

Beyond financial services: FMCG, food and beverage, dairy, home care, modern trade and independent retail, pharma, healthcare, consumer durables, cosmetics, automotive spares, building materials, agriculture, agro-chemicals and industrial supply. The backend is shared and the configuration is modular, so the same platform reshapes from a township route to a bank branch network.