Members and KYC
Onboarding, next of kin, shares, and a single member number across branches.
Flagship product
SACCO core that cashiers, credit, and SASRA can all trust.
One member ledger for FOSA and BOSA. Loans, collections, M-Pesa, USSD, and exportable returns — implemented in Kenya, with training after go-live.
Why boards pick it
Stop reconstructing the society in spreadsheets.
Most SACCOs we meet already have software. The pain is elsewhere: members in one system, loans in another, M-Pesa in a workbook, and SASRA season spent reconstructing the year.
Vecta Stream builds a single core so tellers, credit officers, finance, and the board are looking at the same member.
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Phased go-live
Tellers keep working. We migrate products and branches in a sequence the board can follow.
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Channels members already use
Paybill collections, USSD balances, and SMS loan alerts — wired into the same ledger.
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Controls, not just features
Maker-checker, branch limits, and an audit trail your external auditor can walk.
Inside the product
Modules your SACCO will actually use.
Built around cashiers, credit, finance, and the SASRA calendar — not a generic ERP demo.
Loans and collections
Products, guarantors, schedules, arrears, and recovery workflows.
Deposits and FOSA
Savings, fixed deposits, teller operations, and end-of-day.
M-Pesa and USSD
Paybill collections, loan alerts, and self-service balances.
SASRA reporting
Exportable returns and an audit trail your external auditor can follow.
Roles and controls
Maker-checker, branch limits, and logs for every sensitive action.
Implementation
How a SACCO actually goes live.
No mystery phase. You always know which module is in, who owns it, and what Monday looks like.
01
Discover
Members, products, branches, paybill, and the returns you already file.
02
Design
Chart of accounts, loan products, roles, and the cutover sequence — agreed before code.
03
Build and migrate
Data cleaned, parallel run, then tellers on the new core with us on the floor.
04
Support
Training, hosting, security patches, and a team that answers after SASRA season.
SACCO FAQ
Questions boards ask before they sign.
Can you work with our existing M-Pesa paybill?
Yes. Most implementations keep the paybill members already know and post collections into the new core.
Do you replace FOSA and BOSA separately?
No. Front office and back office sit on one member ledger so shares, deposits, and loans cannot drift apart.
How long does implementation take?
It depends on data quality and how many branches you run. We phase go-live so tellers are not waiting on a single cutover weekend.
Will you train cashiers and credit officers?
Yes. Training is part of go-live, not a PDF left on a shared drive.
Do you host the system?
We can host, harden, and monitor it — or work with infrastructure you already trust.
SACCO boards
Bring last year’s SASRA pack. We will show you the gap.
A working session in Nairobi or online. No 40-page RFP required.
Book a SACCO consult