As Phoenix Capital Limited sought to scale their operations across Kenya’s diverse financial landscape, serving over 7,000 customers efficiently while maintaining personalised service presented a significant challenge. Manual workflows, long approval times, and disconnected systems were slowing them down and making it harder to deliver timely, meaningful support to their clients.
The turning point came when they partnered with Musoni System as their core banking provider, a decision that would transform not just their operations but their entire way of working across the country.
A major milestone in their digital journey was the rollout of Musoni’s Digital Field Application (DFA), designed to digitise core tasks traditionally handled by field officers. Today, over 75% of client onboarding and loan processing is conducted through the DFA, enabling field officers to operate efficiently on any Android device online or offline without relying on paperwork. This has significantly reduced turnaround times, improved data accuracy, and empowered Phoenix Capital’s teams to serve clients more effectively in the field.
The transformation has been remarkable! What used to take our team days to process now happens in hours, and our field officers can serve clients in the most remote areas without connectivity concerns,” said Tom Mutuku, Head of Systems, Phoenix Capital. “Musoni’s platform hasn’t just optimised our operations; it’s fundamentally changed how we deliver financial services to communities across Kenya.”
Phoenix Capital’s digital transformation has been further accelerated through the use of Musoni’s open APIs, which allow seamless integration between the core banking system and third-party solutions, creating a comprehensive, connected financial ecosystem. One key integration is with M-Pesa, enabling mobile loan disbursements and repayments.
Clients can now apply for loans directly from their phones and receive funds instantly in their mobile wallets. With business loans making up 80% of their portfolio, this level of automation has significantly improved speed, accessibility, and convenience for customers seeking financing.
“With Musoni’s APIs and responsive support, we quickly integrated our platforms and delivered unified digital experiences to our customers. What once took weeks now takes just days, enabling us to respond faster to client needs, scale our services effortlessly, and enhance our ability to deliver comprehensive digital financial solutions across Kenya,” said Tom Mutuku, Head of Systems, Phoenix Capital.
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