SaccoSys

What SaccoSys does

SaccoSys is a cloud-based SaaS platform developed by Yaatu Tech Limited in Mbarara, Uganda, founded in March 2024 to automate operations for small and growing SACCOs (Savings and Credit Cooperatives), Savings and Investment Groups, Company/Staff SACCOs, microfinance institutions, and Village Savings and Loan Associations. The platform comprises fourteen functional modules spanning member onboarding, savings and withdrawals, shares, fixed deposits, loan portfolio management (with AI-powered loan aging and repayment predictions), income and expenses, messaging, reporting, role-based access control, and audit trail. Distribution is anchored by SaccoSysWallet (a member-facing digital wallet), USSD banking on Airtel Uganda (*185#), and direct integrations with MTN Mobile Money, Airtel Money, Centenary Bank, and Stanbic Bank.

The company monetizes through a usage-based pricing model: Business tier at UGX 800 per active member per month with a UGX 3,000,000 setup fee, Premium tier at UGX 2,000 per active member per quarter, and Enterprise tier at UGX 9,600 per active member per year. A 50/50 revenue share applies on wallet transaction fees (UGX 500–3,000 deposits; UGX 1,150–2,500 withdrawals), and additional revenue is generated from bulk SMS sender-ID setup and monthly maintenance fees. Go-to-market combines direct sales-led demos, a 30-day self-serve trial at demo.saccosys.com, a 10% Partners Program for SACCO consultants, and community engagement at SACCO meetups and training events.

As of 2026, SaccoSys serves 15+ named SACCO customers across Uganda — primarily community, staff, and farmer SACCOs in Western and Southwestern Uganda (Mbarara, Bushenyi-Ishaka, Isingiro, Bwizibwera) with a recent expansion to Central Uganda via SanlamAllianz Staff SACCO. The company is founder-led (Co-Founders Rose Rwankore, COO, and Mugumya Norman, CTO), employs 1–10 people, is bootstrapped with no disclosed external funding, and is currently registered with Uganda's Personal Data Protection Office.

Name

SaccoSys

Legal name

Yaatu Tech Limited

Website

https://saccosys.com

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Short description

SaccoSys, operated by Yaatu Tech Limited in Mbarara, Uganda, is a cloud-based SaaS platform (founded March 2024) that automates operations for small and growing SACCOs, staff SACCOs, farmers' SACCOs, MFIs, and VSLAs, with mobile wallet, USSD, and MTN/Airtel/bank integrations across 15+ clients.

Ownership category

akta.pro rank

Product category

SACCO Management Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

akta.pro primary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

Keywords

• SACCO management software
• Cooperative financial software
• Mobile money integration
• Microfinance platform
• Cloud-based lending software

Headquarters

HQ city

Mbarara

HQ country

Uganda

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Subscription - Per Active Member: Primary revenue stream based on usage-as-you-grow model. Charges apply only to active SACCO members. If no active members, no subscription charges. Three tiers: Business (UGX 800/active member/month), Premium (UGX 2,000/active member/3 months), Enterprise (UGX 9,600/active member/year). Includes one-off setup fee of UGX 3,000,000 for Business tier.
2. Transaction Fees - SaccoSysWallet: Revenue from transaction charges on deposits and withdrawals through SaccoSysWallet. Deposit fees range from UGX 500-3,000 depending on amount; withdrawal fees range from UGX 1,150-2,500. Revenue split 50/50 between SaccoSys and SACCO.
3. SMS Services: Bulk SMS and email services for member communication including loan reminders, deposit/withdrawal confirmations. Sender ID setup and monthly maintenance fees for MTN and Airtel.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

SaccoSys is a cloud-based SaaS platform that automates the full operational lifecycle of Savings and Credit Cooperatives (SACCOs), Savings and Investment Groups, Company/Staff SACCOs, MFIs, and Village Savings and Loan Associations (VSLAs) in Uganda. The platform manages member onboarding, savings and withdrawals, shares and dividends, fixed deposits, loan origination through repayment, financial reporting, audit trails, and mobile/USSD member access. It is delivered as subscription software priced per active SACCO member and is supplemented by SaccoSysWallet, USSD banking, and integrations with MTN MoMo, Airtel Money, Centenary Bank, and Stanbic Bank.

Product overview

SaccoSys is a cloud-based SACCO management SaaS platform built by Yaatu Tech Limited in Mbarara, Uganda, designed to automate operations for small and growing SACCOs, Savings Associations, Investment Groups, Company SACCOs, MFIs, and VSLAs. The core platform is supplemented by SaccoSysWallet (a customer-facing digital wallet with Mobile Money integration) and USSD Banking service for offline access. The product portfolio includes 14 functional modules covering member management, loan portfolio management with AI-powered predictions, savings/withdrawals, shares, fixed deposits, income/expenses, messaging, reporting, user access controls, and data security. Pricing follows a pay-as-you-grow model with per-active-member charges and tiered packages (Business, Premium, Enterprise).

Differentiator

Problem solved

Functional benefit

Brands

• SaccoSysWallet: A digital wallet for SACCO members that allows them to view balances, transfer funds between savings and loans, and transact with mobile money services including MTN Mobile Money and Airtel Money.

Products and services

• SaccoSys Core Platform Cloud-based SaaS platform automating end-to-end SACCO operations — member onboarding, savings and withdrawals, shares and dividends, loan portfolio management, fixed deposits, income and expense tracking, financial reporting, audit trails, and data security — for SACCOs, Savings and Investment Groups, Company/Staff SACCOs, MFIs, and VSLAs in Uganda.
• SaccoSysWallet Member-facing digital wallet integrated with MTN Mobile Money and Airtel Money, enabling SACCO members to view balances, transfer funds between savings and loans, deposit savings, make loan repayments, and transact directly from their phones without cashier involvement.
• USSD Banking Service USSD mobile banking service accessible via *185# on Airtel Uganda, allowing members without smartphones or internet connectivity to perform savings, deposit, and loan repayment transactions offline. Designed for rural and underserved SACCO members.

Quantifiable outcome

• SACCOs transition from manual spreadsheet management to automated digital operations
• +2 more outcomes

Named customers10 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability2 records

Feature10 records

Partnerships

Twelve partnerships are on record, tiered standard and core.

• Hosanna SACCOstandardImplementation/ SI/ Consulting Partner · 8 June 2026Hosanna SACCO, a Christian-rooted member-owned SACCO in Mbarara, signed MoU with Yaatu Tech Ltd. to digitize operations. With 400+ active members, Hosanna SACCO will use SaccoSys for membership management, savings, loans, financial reporting and mobile banking.
• AMA Staff SACCO (Ankole Management Agency)standardImplementation/ SI/ Consulting Partner · 22 December 2025AMA Staff SACCO Ltd partnered with SaccoSys to automate core SACCO processes including loan tracking, repayments and members' savings. The staff SACCO for ACPCU employees has served over 100 members since 2012 and needed digital tools to support growth.
• SanlamAllianz Staff SACCOcoreImplementation/ SI/ Consulting Partner · 19 December 2025SanlamAllianz Staff Savings and Credit Cooperative Society signed MoU with SaccoSys. The SACCO, established October 2025 by SanlamAllianz Uganda staff, onboarded SaccoSys to transition from manual processes to digital institution addressing challenges including spreadsheet-based processes and limited transparency.
• Nyamitsindo Farmers SACCOstandardImplementation/ SI/ Consulting Partner · 28 August 2025Nyamitsindo Farmers SACCO partnered with Yaatu Tech Limited to migrate to SaccoSys platform. The agricultural cooperative serving 1,000+ farmers in Masha, Isingiro adopted SaccoSys for accurate, real-time data and effective decision-making.
• EYIT Startup Financing Initiative (ESFI)standardImplementation/ SI/ Consulting Partner · 31 July 2025ESFI integrated with SaccoSys to expand reach and boost operational efficiency. The financial support program serving women and youth with 300+ active members now provides smarter, digital finance solutions including group loans for women, individual loans for youth, and savings services.
• Mobile Money Providers (MTN, Airtel)coreTechnology or Integration · 23 July 2025SaccoSys integrates with MTN Mobile Money and Airtel Money for member transactions. These integrations allow automated savings, withdrawals and loan disbursements. USSD banking via *185# available on Airtel Uganda for offline access.
• Centenary Bank and Stanbic BankstandardTechnology or Integration · 23 July 2025SaccoSys integrates with major banks (Centenary and Stanbic) for Agency/Teller Banking. Members can deposit funds via bank agents or tellers by presenting their Wallet Number as Payment Reference Number.
• Ruhunga Farmers SACCOstandardImplementation/ SI/ Consulting Partner · 3 July 2025Ruhunga Farmers Co-operative Savings and Credit Society Ltd (Ruhunga SACCO) joined SaccoSys. The SACCO serves 700+ active members in Rubaya-Kashari community offering credit, fixed deposits and savings. Migrating from manual spreadsheets to SaccoSys digital platform.
• Mbarara Municipal School Staff Development Project (SDP)standardImplementation/ SI/ Consulting Partner · 5 June 2025Yaatu signed MoU with Mbarara Municipal School SDP to provide SaccoSys software for managing staff SACCO operations. The project serves 200+ staff members through loan advances and savings facilities, transitioning from manual to digital operations.
• ISLA - Impact Savings Loans Association (NWSC Staff SACCO)coreImplementation/ SI/ Consulting Partner · 27 January 2025SaccoSys partnered with ISLA, a staff savings association for National Water and Sewerage Corporation (NWSC) employees at Mbarara Office. Partnership follows meeting on August 21, 2024 at NWSC offices. Aims to digitalize ISLA's financial operations and improve member access to savings and loans.
• Kakoba Financial Services SACCOcoreImplementation/ SI/ Consulting Partner · 14 December 2024SaccoSys signed MoU with Kakoba Financial Services (KFS Ltd.), a community-based SACCO established in 2019 serving 800+ members. The partnership marked a step toward digitizing hundreds of SACCOs in Uganda. Deployment and training completed January 2-4, 2025.
• Bishop Stuart University Staff SACCOstandardImplementation/ SI/ Consulting Partner · 26 August 2024Yaatu Tech Limited signed MoU with Bishop Stuart University Staff SACCO to provide SaccoSys software for enhancing SACCO operations. The partnership resulted from a meeting on August 13, 2024 at DreamWoods Suites in Mbarara City. SaccoSys will streamline operations and financial management at the SACCO.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Temenos: Global banking software incumbent whose core platform includes modules for cooperative, microfinance, and retail banking institutions. Targets similar depository institutions as SaccoSys, but at a much larger scale and broader functionality.
• Oracle Financial Services: Large enterprise banking and financial services software suite covering core banking, lending, deposits, and analytics. Operates broadly across the same end market as SaccoSys but at enterprise scale, including some cooperative banking deployments.
• Mambu: Cloud-native core banking platform serving neobanks, lenders, and fintechs. While broader than SACCO management, Mambu powers similar deposit-taking and lending workflows for digital financial institutions and overlaps on the technology stack and target buyer profile.
• Finastra: Global financial software provider with solutions for retail, corporate, and microfinance banks. Comparable customer profile at the depository-institution end of the spectrum where Finastra competes for cooperative banking modernization deals.
• Backbase: Digital banking and engagement platform used by banks and credit unions to digitize member-facing experiences. Comparable in targeting deposit-taking institutions' digital transformation needs, though from a broader incumbent perspective.

Direct peers

• Mifos Initiative: Open-source platform from the Mifos Initiative providing core banking and microfinance/SACCO software. Directly comparable to SaccoSys in serving the cooperative and microfinance segment, with similar member, savings, and loan management functionality targeted at small and growing SACCOs.
• Decimal Technologies: India-based provider of cooperative banking and SACCO software (Vega core banking), serving credit cooperatives, urban cooperative banks, and similar member-owned financial institutions—directly comparable software focused on the cooperative depository niche.

Emerging players

• Branch International: Africa-focused digital financial services platform offering loans, savings, and payments via mobile, with strong presence in Kenya, Nigeria, and Tanzania. Comparable in targeting financial inclusion in East Africa and overlapping on the alternative/cooperative-style member base that SaccoSys serves.

Regional players

• Cellulant: Pan-African fintech providing payment, identity, and banking infrastructure across 35+ countries. Comparable as a regional operator supplying the rails that SaccoSys integrates with (mobile money, bank partners), as well as an adjacent platform serving African financial institutions.
• Interswitch: Pan-African digital payments and commerce platform headquartered in Nigeria with infrastructure across East and West Africa. Comparable as a regional Africa-based fintech enabling payments, identity, and financial workflows for institutions, including some cooperative/SACCO ecosystems.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/SaccoSys
• Facebookfacebook.com/SaccoSys

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SaccoSys