VisionFund Kenya – Faster decisions with DFA

Country: Kenya

Segments: Microfinance, group and individual lending

Background

VisionFund Kenya is part of the global VisionFund network, providing financial services to low-income families and communities. The institution runs its core banking on T24, and needed a way to extend digital capabilities to the field while keeping T24 as the system of record.

Challenges

• Field officers relying on paper forms and manual processes for loan applications and approvals.
• Limited ability to capture and retrieve supporting documents quickly across branches and head office.
• Workflows spread across email and spreadsheets, making monitoring and audit difficult.
• Slow turnaround time from application to disbursement and limited real-time visibility for staff and customers.

Solution

MFI Expert was deployed alongside T24 to provide a digital front layer for field operations and internal workflows, tightly integrated with the existing core banking system.

• Digital Field Application (DFA): Mobile app for field officers to capture applications, KYC, and collections in the field, synchronised with T24.
• Document archiving: Centralised digital repository for customer and loan documents, accessible from branches and head office.
• Workflow management: Configurable workflows for approvals and checks, ensuring tasks move to the right team at the right time.
• Integration with T24: Data exchange between DFA/workflows and T24 so that core banking remains the authoritative ledger.

Key impact metrics

Results

With MFI Expert DFA, document archiving, and workflow management, VisionFund Kenya was able to bring its field operations much closer to T24 while dramatically improving responsiveness. Loan turnaround time was reduced to around one day, and both staff and customers receive more timely information about applications and account status.

• Application-to-disbursement cycle reduced to approximately one day for typical cases.
• Better visibility for branch and head office teams through digital workflows and document access.
• Improved communication with customers as status updates and decisions are available faster.
• Modern digital layer on top of the existing T24 core banking investment.