Everything a bank needs. One platform.
Tenflr gives banks, credit unions, and financial institutions every tool to serve their customers: fully branded online banking website, mobile app, complete banker environment, and every banking product — savings, checking, retirement, loans and more.
Cameroon's banks are losing the digital race
And they know it.
No online banking or mobile app
Customers want to manage their money from their phone. Most Cameroonian banks have no online banking website and no mobile app to offer them.
Fragmented internal tools
Banking teams juggle disconnected systems. No unified customer view, no modern tools to serve customers efficiently.
Customers are leaving for mobile money
MTN MoMo + Orange Money control 80%+ of digital transactions. Banks watch their customers migrate to telcos for lack of digital services.
Only 11% of African finance executives say they've modernised enough to adopt new digital tech — Deloitte
One platform. Two experiences.
Tenflr equips banks on both sides: everything their customers see, and everything their teams use.
Everything the bank's customers see and use
Online Banking Website
A complete, fully customized web portal where customers view accounts, make transfers, apply for loans and manage their banking products.
Mobile App
Custom-branded iOS and Android app with offline mode. Balance checks, transfers, payments, loan applications — all from the phone.
Alerts & Notifications
Push notifications, SMS and email for every account movement. Customers stay informed in real time.
Online Account Opening
Customers open an account in under 10 minutes from their phone. Identity verification, automated compliance and immediate activation.
Everything the bank's teams use to operate
Unified Banker Portal
360-degree customer view, account management, operations, approvals — one portal replacing multiple disconnected systems.
Operations Management
Account opening, request processing, dispute management, approval workflows — everything orchestrated from the banker environment.
Compliance & Reporting
Automated COBAC reports, KYC/AML tracking, immutable audit log. Compliance is built in, not bolted on.
Call Center
COMING SOONAn integrated call center module for handling customer requests by phone. Agents have access to the full customer profile.
Every banking product. Ready to sell.
Tenflr includes every product a bank can offer its customers. Each product is configurable by the bank.
Savings Account
Savings accounts with configurable interest rates, savings goals and automatic deposits.
Checking Account
Checking accounts with checkbook management, debit cards and configurable overdraft.
Retirement Account
Retirement savings plans with automatic contributions and return projections.
Loans & Credit
Personal, mortgage, SME and microfinance loans. AI scoring, automated decisioning, fast disbursement, integrated collection.
Term Deposit
Term deposits with configurable durations and rates. Optional automatic renewal.
Bank Cards
Debit and credit card management. Issuance, activation, blocking, limits and real-time transaction tracking.
Transfers & Payments
Domestic and international transfers, inter-account transfers, and scheduled recurring payments.
Optional Services
Insurance, investments, digital vault and other value-added services configurable by the bank.
Seamless integrations with existing providers
Tenflr integrates seamlessly with the service providers your customers already use. MoMo, Orange Money and others — these are integrations, not the core of the platform.
MTN MoMo
Collections, disbursements and QR payments. Daily automated reconciliation.
Orange Money
Collections, disbursements and balance enquiry. Redundancy via CamPay.
WhatsApp Business
Notifications, transaction alerts and customer communication via WhatsApp.
USSD
Banking access on any mobile phone. Essential for financial inclusion in rural areas.
Diaspora Transfers
Europe/USA to Cameroon corridor. A $600 million annual market.
And more...
Open architecture to integrate any service provider — payments, insurance, telco, utilities.
Cameroon is the beachhead. CEMAC is the prize.
All 6 CEMAC nations share the same regulator (COBAC), the same currency (CFA Franc), and the same telco operators. The Tenflr platform works region-wide without rebuilding.
One regulatory framework — COBAC — for six markets
One currency — the CFA Franc (XAF) — no forex complexity
MTN and Orange operate across CEMAC — our integrations are reusable
Every country has the same need for banking modernization
No competing platform provider exists anywhere in the CEMAC zone
Ready to transform your bank
We're working with leading Cameroonian banks to deploy the next generation of banking services.
Coming soon: testimonials from our first partner banks.
Ready to give your customers the experience they deserve?
Online banking, mobile app, complete banker environment and every banking product — in one platform.