TrustBankCBS
9 branches
across Tanzania
2 months
implementation timeframe for complete migration to the new system
Member base
Primarily Tanzania Police Department employees nationwide
6+ integrated solutions
from Retail Banking to Business Intelligence, unified on a single platform
Situation Overview
URA Saccos Tanzania is a registered Savings and Credit Cooperative Society whose primary members are employees of the Tanzania Police Department, operating through 9 branches across the country. As a cooperative society, URA Saccos’ core mission is to mobilize member savings and provide secured and unsecured loans at fair, reasonable interest rates — a mission that depends on efficient, reliable banking infrastructure to serve members nationwide.
Testimonial from Bank Leadership
Challenges
Although URA Saccos had computerised its operations early on, its existing IT system fell short of the Society’s operational needs
No anywhere-banking capability
Members could not be served seamlessly across branches
Inefficient demand generation
Collecting loan repayments and generating member demand lacked automation, adding to staff workload
Poor system integration
Different functionalities across the IT landscape were not well integrated
Limited reporting visibility
Real-time branch reports and consolidated reporting at Head Office were not available, limiting management's ability to monitor operations effectively
URA Saccos needed a state-of-the-art CBS platform with a complete application stack, a uniform browser-based interface, and a proven track record of continual technological and functional upgrades — all deployable within a tight 2-month implementation window.
Solution Provided
After thorough due diligence and evaluation of multiple competitive CBS options, URA Saccos selected TrustBankCBS for implementation across the Society. Trust Fintech delivered a turnkey Core Banking Software project within the committed 2-month timeframe, covering 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:
- Retail Banking — a single, unified platform replacing third-party systems and integrating all customer services and branch operations, with a Charges Engine to configure and auto-apply all charges
- Deposits Management, Loans Management & Shares Management — comprehensive functionality enabling URA Saccos to configure and launch member-friendly deposit and loan products, with parameter-based validation for member loan approvals. The Shares Management module delivered end-to-end functionality for member registration, share contributions, allotments, transfers, and surrenders, with automated dividend calculation and dividend warrant printing
- Demand Generation Solution — automating the loan repayment collection process, including batch file import for loan repayments, compulsory savings contribution deposits, and share account deposits, along with Excel-based bulk import for loan and deposit account creation and batch loan disbursement — significantly reducing staff workload and speeding up EOD processing
- Mobile Banking — extending self-service banking access to members
- Statutory Compliance Periodic Reports and Audit Reports
- Embedded Business Intelligence — pre-configured dashboards giving Head Office Managers real-time, drill-down visibility into branch operations, with comparative historical analysis and forecasting support across NPA, maturity patterns, deposit patterns, and profitability, plus staff monitoring functionality for target-setting and productivity tracking — all without additional investment in BI tools or consulting
One unified platform
Business Impact
- Rapid time-to-value
Complete migration achieved within the committed 2-month timeframe
- Reduced staff workload
Automated demand generation and batch file processing for loan repayments and deposits significantly cut manual effort
- Faster day-end processing
Batch import capabilities and automated demand generation sped up completion-day activities and EOD processes
- Streamlined member services
End-to-end Shares Management automated previously manual processes like dividend calculation and warrant printing
- Stronger management oversight
Real-time, consolidated reporting gave Head Office the visibility it previously lacked across branches
- Data-driven decision-making
Embedded BI dashboards enabled forecasting and performance monitoring without separate investment in analytics tools
Conclusion
URA Saccos’ rapid, 2-month transformation demonstrates how a purpose-built Core Banking platform can modernise even a specialised, employee-based cooperative society without a lengthy, disruptive rollout. With TrustBankCBS, URA Saccos gained automated member services, real-time management visibility, and a scalable foundation to continue serving Tanzania Police Department employees efficiently across all its branches.
