The core banking platform for Ghana's financial institutions.
CediHub gives rural and community banks, credit unions and microfinance institutions a single, secure system of record — accounts, lending, deposits, mobile money and Bank of Ghana reporting, governed under one ledger. Engineered in Accra, built to institutional standards.
A deliberately narrow remit.
We do not build shareholder portals, storefronts or chat assistants. A lending institution depends on three disciplines every working day. The platform is engineered around those three, and around nothing it does not need.
Books that close themselves
Every disbursement, charge and reversal lands in the right GL account the moment it happens. So when you pull the trial balance at five o'clock, it balances. No weekend scramble to find the missing cedi.
- Dual-entry, not after-the-fact
- Multi-branch consolidation
- BoG returns from a button
Borrowers, not records
KYC, onboarding, savings, loans, group meetings — all on one screen, one account history. The field officer in the market sees exactly what the auditor sees back at head office.
- Ghana Card OCR + NIA verification
- Group lending with cycle tracking
- Credit scoring with explainability
Rails that don't drift
Mobile money, bank transfers and cards check themselves against the ledger every few minutes. If a settlement file goes missing, it shows up on your screen long before it shows up at the counter.
- MoMo: MTN, Telecel, AirtelTigo
- GhIPSS GIP & ACH
- Card switching via gh-link
Built for the Ghanaian back office, end to end.
Fourteen modules sit on one schema and one login. Turn on what your institution needs today, and leave the rest switched off until you're ready for them.
BoG reporting, ready
Prudential returns, large-cash thresholds and suspicious-transaction flags wired into the data model — not bolted on afterwards.
Group & individual loans
Susu groups, salary loans, asset finance and trader credit. Configurable products, audit-trailed every step.
MoMo, USSD & agent
MTN, Telecel and AirtelTigo collections, plus offline USSD — settling into your books in real time.
Ghana Card KYC
NIA verification, document capture and tiered KYC built into onboarding. No paper, no spreadsheets.
Multi-branch, multi-tenant
Run a single rural bank or a network of credit unions. Branches, currencies and ledgers isolated by design.
Open API & webhooks
Every screen in the console is backed by the same REST API your developers can build on.
Susu & fixed deposits
Daily susu collections, fixed deposits and target savings — with interest accrual and maturity automation.
Double-entry ledger
Chart of accounts, fiscal periods, divisions and trial balance baked in. No external accounting tool needed.
Real-time dashboards
Portfolio at risk, collections, growth — refreshed from the source of truth, not a stale extract.
One branch, from open to close.
A working day at a rural-bank branch in Kumasi, told by the clock rather than the brochure.
The susu collectors leave with their phones.
Each collection updates the customer's passbook in real time. No evening data entry, no bag of cash and a notebook.
A trader applies for a GHS 8,000 working-capital loan via USSD.
The credit engine pulls her 18-month savings history and surfaces a pre-approval. The credit officer reviews and approves before lunch.
MoMo disbursement to her wallet completes in 42 seconds.
The general-ledger entry posts simultaneously. Cash in transit: zero. The borrower gets an SMS; the BoG report gets a row.
The portfolio-at-risk report goes to head office in one click.
The numbers are the live numbers. No spreadsheet reconciliation, no “let me get back to you”.
End-of-day close runs itself.
Trial balance, cash reconciliation, branch-level P&L — variances flagged with the offending transaction attached. The branch closes on time.
Why we built this in Accra.
Most core-banking systems were drawn up in cities where the customer walks into a marble branch with a passport. That isn't how lending works in this country. Here, the loan officer is on a motorbike outside Tamale. The deposit comes in by MoMo at 9 p.m. The repayment is GHS 47.50 from a market trader who keeps her phone in a polythene bag.
CediHub is what we wished we'd had: a ledger that takes Ghanaian money seriously, a borrower file that knows what a susu group is, reconciliation that doesn't need a side spreadsheet, and reports the Bank of Ghana will actually accept without a phone call.
Wired into the rails Ghana runs on.
Each integration is monitored, retried and reconciled against the ledger as a matter of course. You supervise a single position rather than twelve dashboards, and a delayed settlement file surfaces as an exception before it ever reaches the counter.
Built to institutional standard.
A system that holds deposits must be operated like infrastructure, not an application. Ours is — from encryption and access control to an audit trail your examiner can read without us in the room.
CediHub does not self-serve.
Every institution here has been vetted, by a person, in Accra. There is no sign-up form and no anonymous trial. It's slower — and it's why your money, your borrowers' data and your regulator's patience stay intact.
Licence check
We verify your operating licence with the Bank of Ghana, ARB Apex or the Department of Co-operatives, and confirm good standing.
Know-your-business
Directors, beneficial owners, two recent audited financials and a regulatory contact. A compliance officer signs off — not a script.
Operator review
We agree your IP allow-list, enrol named operators with hardware-backed MFA, and set your authorised approvers for high-value transactions.
Parallel run
We cut your tenant, load opening balances, and you run alongside your existing books for a full month. Only then are you switched live.
In the words of our design partners.
“We closed our books on the third of the month, for the first time in years. The auditor asked what we had changed. We said, the whole back office.”
Rural bank · Eastern Region
“Reconciliation used to be five people on a Friday night. Now it's one person on a Tuesday afternoon, and the variance is always under a cedi.”
Savings & loans · Volta Region
“A loan officer can disburse from the back of a motorbike, and head office sees the journal entry before she's back on the road.”
Microfinance · Northern Region
“The BoG returns used to take a week and a phone call. Now they take minutes, and the prudential officer reads them once before submitting.”
Credit union · Western Region
One price per branch. No setup fee, no transaction levy.
No per-seat charges and no penalty for growth. We will walk you through the commercial terms in full before anything is signed.
Field
- Up to 5,000 borrowers
- MoMo + SMS rails
- Standard BoG returns
- Email support, 1 business day
Standard
- Unlimited borrowers
- All rails, all integrations
- Custom GL & products
- USSD short-code support
- Phone support, business hours
Sovereign
- Annual contract, on-prem option
- Multi-entity consolidation
- Dedicated account engineer
- On-site training & 24/7 line
Indicative figures. Final pricing depends on your number of branches, data migration, and whether you deploy hosted or on-premise. We confirm a fixed quote in writing before anything is signed.
The questions our customers asked first.
If yours isn't here, write to hello@cedihub.com. We answer within a working day.
Can we just sign up online?
No. CediHub is a closed, administrator-onboarded platform. Every tenant is provisioned manually by our compliance team after BoG licence verification, beneficial-ownership disclosure and a security review. There is no public registration form, and there will not be one.
Is CediHub licensed by the Bank of Ghana?
CediHub is software, not a licensed deposit-taking institution. Your institution holds its own BoG licence; CediHub gives you the data model and reports to maintain it cleanly.
How long does it take to go live?
A typical rural bank with one or two branches goes live in 60–90 days from contract, including data migration and a full month of parallel running. Network deployments take longer.
Can we keep our existing chart of accounts?
Yes. CediHub maps to your existing chart during onboarding. We don't force a re-statement.
What happens if our internet goes down?
Field-officer apps cache transactions locally and sync when connectivity returns. USSD keeps working via the telco gateway, independent of the branch's own internet.
Where is our data stored?
By default, on encrypted infrastructure with data residency in Ghana and warm replication off-site. We can deploy a sovereign instance on your own servers if your governance committee requires it.
What's your uptime?
A 99.9% target on Standard and Sovereign tiers, backed by an SLA. Live status at status.cedihub.com.
Four times a year. Nothing in between.
A short letter from our field team in Accra — sector data, regulatory changes that actually matter, and the occasional honest post-mortem. No drip campaigns, no webinars, no nudges.
Submit your institution for review.
Our platform administrators verify your BoG licence, run KYB and security checks, and — once approved — provision your tenant. No public sign-up. No anonymous accounts.
Office hours · Mon–Fri · 08:00–18:00 GMT