TrustBankCBS
30 branches
spread across Sri Lanka
1,127+ loan portfolios
managed on the platform
1 year
implementation timeframe for complete migration across the organisation
11 integrated modules
from Branch Operations to Business Intelligence, unified on a single platform
Situation Overview
Berendina Micro Investments Company Ltd (BMIC) is one of the top 5 microfinance organisations operating in Sri Lanka, and among the fastest-growing in the country. Headquartered in Nawala, Colombo, BMIC serves its customer base through 30 branches nationwide. As the organisation grew, BMIC recognised the need to move beyond its ageing, decentralised systems toward a genuine Core Operational Platform capable of supporting both present-day operations and future expansion.
Testimonial from Bank Leadership
Challenges
BMIC had computerised its operations early on, but the system’s decentralised nature created growing operational strain
Limited Head Office control
BMIC lacked centralised visibility and control over branch-level operations
Fragmented reporting
Generating consolidated statutory reports and MIS reports across branches was a disjointed, manual effort
Unoptimized processes and duplication of work
Decentralised systems led to inefficiencies and repeated effort across the organisation
Heavy manual intervention
Statutory reporting and IT operations relied extensively on manual processes, increasing both effort and risk
BMIC needed a true Core Operational Platform — a complete ERP with browser-based accessibility — built to support the organisation both today and as it continued to scale.
Solution Provided
After nearly a year evaluating multiple competitive CBS options, BMIC selected TrustBankCBS for a complete, organisation-wide implementation, with a challenging 1-year timeframe set for full migration to the new system. TrustBankCBS delivered a turnkey Core Microfinance Software project, including hardware and system assessment, requirements study and blueprint documentation, customisation and parameterisation, legacy data migration, UAT, user training, go-live support, and post-go-live technical support.
The implemented solution stack included:
- Central Administration Module and Head Office Module — enabling HO to manage funds and positions across branches through a Funder Management solution, with at-a-glance visibility into cash, bank, and loan portfolio positions, and centralised configuration and parameterisation
- Branch Operation Module — covering auto group creation at loan processing (with Inside, Outside, and Family Guarantor types based on loan product configuration), violation messaging tied to repayment history and cluster meeting attendance, bulk collection by client category, and automated partial interest posting with excess-payment recovery
- Mobile Banking (Mobile Application) — giving customers 24×7 access for inter-bank and intra-bank transactions, mobile passbook, and utility bill payments via linked CASA accounts, improving customer satisfaction and business volume without added branch or staff strength.
- Enterprise Development Services (EDS) — managing awareness of ongoing and scheduled trainings for both BMIC staff and customers, including registration, attendance, and income generation tracking, along with Group Project support across “A Type,” “B Type,” and “C Type” categories and post-loan repayment follow-up
- Budget Module — enabling BMIC management to schedule yearly calendars with targets and predictive budgeting, supporting performance monitoring, and simplifying incentive calculation and appraisals
- Payroll Module, Fixed Assets & Inventory Module, Savings Module, Dashboard, and SMS Module
- Embedded Business Intelligence — pre-configured dashboards for the microfinance segment, giving Head Office real-time, drill-down visibility into branch performance, with forecasting on NPA, maturity patterns, deposit patterns, and profitability, plus staff monitoring for target-setting and productivity tracking — all without additional investment in BI tools or consulting
One unified platform
Business Impact
- Centralised control
Head Office gained real-time, at-a-glance visibility into cash, bank, and loan portfolio positions across all 30 branches
- Simplified statutory and MIS reporting
Consolidated reporting replaced the fragmented, manual processes of the legacy system
- Stronger loan operations governance
Automated group creation, guarantor validation, and violation messaging strengthened loan processing discipline
- Improved customer experience
24×7 mobile banking access increased customer satisfaction and confidence while supporting higher business volume with the same branch and staff strength
- Data-driven decision-making
Embedded BI dashboards gave management forecasting capability across NPA, deposits, and profitability — without a separate BI investment
- Enhanced staff productivity
Staff monitoring functionality enabled target-setting and performance tracking across branches
Conclusion
BMIC’s transformation shows how a decentralised, manually-intensive microfinance operation can evolve into a unified, centrally governed institution without sacrificing the field-level flexibility microfinance lending requires. With TrustBankCBS, Berendina Micro Investments Company gained a true Core Operational Platform — one built specifically for the realities of microfinance in Sri Lanka, and positioned to support the organisation’s continued growth.
