Tenflr
Tenflr

Why Tenflr?

Building in-house is expensive, time-consuming, and diverts your teams from what matters. Tenflr provides a complete turnkey banking platform.

Comparison

In-house development
With Tenflr
Time to market
12-24 months
30-90 days
Upfront cost
500M+ XAF
Monthly SaaS licence
Online banking + mobile app
Build from scratch
Included, fully branded
Banker environment
Disconnected systems
Complete unified portal
COBAC compliance
Build from scratch
Built-in natively
Integrations (MoMo, OM...)
Bilateral negotiation + dev
Pre-integrated, ready to use

We don't have competitors. We fill a gap.

No one provides a complete banking platform — customer experience, banker environment and every product — to Cameroonian and CEMAC banks.

MTN MoMo / Orange Money

Payment service providers. We integrate them — they become a feature of our platform.

Wave

Consumer-facing wallet. Targets individuals, not banks.

Diool / CamPay / Notchpay

Merchant paytech. SMB-focused. We sit above them.

International solutions

Don't prioritize Cameroon. No CEMAC market knowledge. No local presence.

Complete platform, not just integrations

Online banking, mobile app, banker environment, every banking product and seamless integrations — all in one platform.

Native Compliance

COBAC regulations, ANIF reports, tiered KYC, BEAC thresholds — everything is built into the platform, not bolted on.

Built for CEMAC

Not an American or European product adapted for Africa. Tenflr is designed from day one for the realities of the Cameroonian and CEMAC market.

No core banking replacement

Tenflr connects to the existing core and builds the complete experience on top. No risky migration.

Our competitive moat

Complete platform: customer experience + banker environment + every product

First-mover in CEMAC B2B banking infrastructure

COBAC licence = high regulatory barrier to new entrants

High switching cost: banks deeply embed their operations into Tenflr

Network effect: more bank clients = more integration value

Why Tenflr?

Building in-house is expensive, time-consuming, and diverts your teams from what matters. Tenflr provides a complete turnkey banking platform.

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