Bank-in-a-Box · Tanzania
Your money, your people, your life.
Send, save together, and pay for what you love — all from one app built for Tanzania. Licensed by the Bank of Tanzania, powered by AGB Tanzania and TIPs.
FIKA is built on the Maly platform and taken to market by SorenTech, the joint venture between Maly Tech and Soren Investment Company. FIKA is the SorenTech digital banking brand. Africa & Gulf Bank holds the banking license, the customer relationship and the deposits. SorenTech provides the technology and platform.
Speed, end to end
Built fast. Onboards even faster.
SorenTech took FIKA from a signed contract to a fully licensed, live bank in under twenty weeks. Every customer who downloads it moves just as fast — a real bank account, open in under five minutes.
From a signed contract to a live bank in under twenty weeks — core banking, Kibubu, Duka and instant transfers, all working on day one. That's what happens when you deploy a proven platform instead of starting from a blank page.
No queues. No paperwork. Just your phone, your ID, and a few taps — and you're banking with FIKA.
What's live
Everything you need, in one place.
Send money to your family, save with your friends, pay your subscriptions — FIKA handles it all, simply.
Save together with the people you trust — for rent, a wedding, school fees, or whatever comes next.
Pay for your favourite apps and subscriptions in TZS — Netflix, Spotify, gaming credits and more. No foreign card needed.
Send money to anyone, in any bank or mobile wallet in Tanzania. Lands in seconds — day or night.
Your own FIKA card — shop online or in-store, anywhere Visa is accepted. Control it all from the app.
A savings pot for the people you trust.
Tanzanians have always looked out for each other — pooling money for rent, a wedding, school fees, a celebration. Kibubu just brings that pot onto your phone. Everyone adds what they can, toward one shared goal, and everyone can see it grow — transparent, automatic, and always on time, with no one left chasing anyone for their share.
Every subscription, one balance.
Netflix, Spotify, Amazon, PUBG and dozens more — paid straight from the FIKA balance, in TZS. No foreign card, no failed payments, no extra charges.
Send money anywhere, instantly.
Send money to anyone in Tanzania and it arrives in seconds — to any bank account or mobile wallet. Safe, instant, and available around the clock.
Your FIKA card, wherever life happens.
A FIKA Visa card, physical and virtual, built for the way you already live — tap to pay for coffee, or check out online. Freeze it, unfreeze it, and set your own spending limits, right from the app.
Trust & safety
Bank-grade security, from a phone.
Every login and payment is protected with biometric authentication, encryption and real-time fraud monitoring — and every account sits behind AGB Tanzania, licensed and regulated by the Bank of Tanzania.
Fingerprint or Face ID to sign in and approve payments. Biometrics never leave the device.
Funds held and protected through a bank licensed and regulated by the Bank of Tanzania.
What sits underneath
The same Bank-in-a-Box modules, configured for Tanzania.
Start the conversation
Launch the same thing under your license.
Bank-in-a-Box deploys under your brand, with your core banking system, inside your regulator's perimeter.