AO Kenya is a core part of AO Group’s commitment to strengthening our presence across Africa and deepening support for financial institutions with strong local expertise. Africa is our home market—and our investment into Kenya reflects our long-term strategy to empower SACCOs, MFIs and regional banks with modern, reliable and scalable financial technology.
With teams based in Nairobi and supported by AO Group’s engineering and delivery centres across Africa and Europe, AO Kenya focuses on providing digital banking platforms, system integration services and specialised SACCO solutions built for local needs. We work closely with SACCOs, cooperatives and financial institutions to modernise channels, automate operations, enhance customer experience and strengthen security across their technology ecosystem.
Our portfolio includes a complete suite of digital financial products—mobile banking, internet banking, agency banking, Chama solutions, biometrics and an enterprise-grade SMS gateway—designed specifically for SACCO workflows and fully integrated with leading core banking systems. These platforms are proven, scalable and aligned to Kenya’s fast-evolving digital financial landscape.
Local Presence & Customer Understanding
AO Kenya’s value begins with deep market knowledge and local engagement. We work side-by-side with Kenyan SACCOs and financial institutions to ensure:
- • A clear understanding of SACCO operations, regulatory context and member needs
- • Seamless integration with existing systems, processes and mobile money channels
- • User-friendly design based on real customer behaviour and expectations
- • High availability, strong security and resilient infrastructure
- • A dedicated team on the ground—always one call away
By combining Kenyan market insight with AO Group’s global engineering capability, we deliver digital platforms that are secure, scalable and built to grow with institutions of all sizes.
Our Solutions for SACCOs & Financial Institutions
A robust mobile banking platform enabling members to register, manage accounts, transfer funds, apply for loans and perform deposits/withdrawals through both USSD and native mobile apps. It integrates seamlessly with core banking systems and supports Android, iOS and low-end handsets.
A comprehensive solution for managing group savings and rotating investment schemes. It offers self-onboarding, automated financial operations, record-keeping, SMS notifications, and full integration with core banking—available on both mobile app and management portal.
A secure online banking platform providing full digital banking functionality, including transfers, loan information, statements, bill payments and loan origination. It supports multiple customer segments from individual members to SMEs and corporates, with strong security and fraud protection.
A feature-rich agency banking system enabling agents to perform cash deposits, withdrawals, transfers, Mpesa transactions, mini statements and more. Includes agent management, commission structures, transaction limits, and full core banking integration.
A fingerprint-based biometric system for secure customer and employee identification during transactions and system access. Includes biometric hardware, software, and seamless integration with core banking for reliable verification.
A modern messaging platform supporting SMS, voice, email, push notifications and omni-channel communications, complete with analytics, delivery reports, scheduling, routing and subscriber list management.
A Partner Fully Committed to Kenya’s Digital Finance Ecosystem
AO Kenya is more than a technology provider—we are a long-term partner to SACCOs and financial institutions working to modernise and scale. Our presence in Kenya reflects AO Group’s ongoing investment in local capability, digital inclusion and the region’s broader economic growth.
Whether you are transforming your member experience, digitising service channels or integrating new financial products, AO Kenya delivers the expertise, technology and support to move your organisation forward.
How We Help Our Customers
AO’s transparent way of doing business is core to all our services, and we believe relationships are our biggest asset. We build long-lasting relationships with you and your staff and share in the passion you have for the product or brand you have created. When working with us, you will find an answer to your most difficult business problems. If it’s developing a strategy for your business, creating marketing campaigns, generating sales or implementing software to streamline operations, we are your partner whom you can trust to get the job done.
Connect Now
A top South African outcome-based, growth-centric creative marketing agency with a digital focus.
A custom software development company building tailored software solutions for your exact business needs.
Business consulting services and growth facilitation with a special focus on global financial services solutions.
Our media and advertising agency division. Providing effective ad strategy and execution for your ad campaigns.
Capacity is always a problem, either too little or too much. We offer outsourced placements, and talent-managed services, with a particular focus on the tech and development spaces.
