Skip to main content

Core Banking System: Full-Featured CBS Built for African Financial Institutions

· 2 min read
BankLingo Team
BankLingo Team
Product & Engineering

BankLingo includes an optional full-featured Core Banking System that can operate as your primary CBS or alongside an existing one like BankOne, Finacle, T24, or Mambu.

What's Included​

The CBS module covers the full spectrum of retail and commercial banking operations:

  • Account Management — Savings, current, fixed deposit, and domiciliary accounts with configurable tier limits, interest rules, and fee structures.
  • Deposit Operations — Cash deposits, teller transactions, inter-account transfers, and scheduled standing orders.
  • Loan Lifecycle — Origination, credit scoring, approval workflows, disbursement, repayment scheduling, and collections.
  • General Ledger — Double-entry accounting with automated GL postings, chart of accounts, and trial balance reports.
  • Multi-Currency Support — Handle transactions in multiple currencies with real-time conversion and configurable exchange rates.

YAML-Driven Product Configuration​

Every deposit, loan, and insurance product is configured through YAML files — no code changes needed. Define interest rates, fees, tier limits, sales channels, accounting rules, and more in a structured configuration file. A built-in Monaco editor with schema validation helps you author configurations with real-time error checking.

productName: "Premium Savings"
interestRate: 4.5
minimumBalance: 5000
fees:
  maintenance: 100
  belowMinimum: 50
salesChannels: [branch, mobile, ussd, agent]

API-First Architecture​

Over 50 banking operations are exposed through a clean RESTful API. Build mobile apps, web portals, USSD menus, or agent banking tools that interact directly with the CBS.

Two Operating Modes​

  1. Standalone CBS — Use BankLingo as your complete core banking system.
  2. Middleware Mode — Keep your existing CBS and use BankLingo to add workflow automation, process orchestration, and integrations on top.

Many institutions start with middleware mode and adopt the full CBS module later as they grow.

Explore the documentation → · Request a demo →