Through one common platform supported by a collaborative community, we can deliver the biggest return for the Mifos Initiative, you, our partners, and the entire financial inclusion sector. This approach gives us the highest leverage by focusing and multiplying our collective efforts to create the most value for the Base of the Pyramid.

The Tools to Make it Happen

We provide the end to end set of technologies whether you’re a user looking for software out of the box, a partner looking to resell Mifos X, or a developer looking to build your own solution for mobile banking or digital financial services. Everything is fully open – our platform provides core financial inclusion functionality, fully exposed through RESTful APIs, packaged nicely in a user-friendly, cutting edge Community App.

Platform

Mifos X, a modern platform with a modular service-oriented architecture that provides all the common functionality needed to deliver digital financial services. A RESTful back-end which talks to a to a MySQL database and is built on the Jersey/Spring/JPA stack whose front-end is completely decoupled so you can choose the presentation layer of your choice.

Community App

Our core product leveraging the Mifos X platform, built in AngularJS, a cutting-edge javascript framework  for building out lightning fast single-page applications.  It provides support for the most commonly used financial inclusion models so you can use it out of the box or customize it to directly support your customers’ needs.

APIs

The core underlying functionality needed by all financial service institutions is fully exposed and documented as RESTful APIs from our platform to enable you to quickly build your own enterprise grade financial inclusion products, mobile apps, or brand new solutions on any technology stack.

Download our technical overview on the Mifos X Financial Service Engine – our platform for digital financial services.

Tech Overview

Open Collaboration

80/20 Rule – Industry Needs a Platform

80% of the underlying software functions are common to all digital financial services. By building the 80% into our platform and encouraging the collaboration and re-use of these common functionalities, we and you can focus on the 20% that matters – delivering the unique innovation, new products and best-practice services that brings the most value to the poor.

We truly are OPEN

The Mifos X platform is open source – meaning there are no license costs and the freedom to openly innovate. Released under the Mozilla Public License v2.0 – we’ve chosen a license that ensure the core always remains open but if you so choose you can build out your own unique proprietary apps.

Enabling a Virtuous Cycle

As part of one unified community guiding a common platform, you are not alone. The product of our efforts is greater than the sum of its parts. Global knowledge and innovation is cultivated, built, and shared from the bottom up. When you give back and share innovation with the community it will be collectively supported, improved, and maintained for everyone to benefit.

Build on the Platform Now!

Now that you’ve seen the power of our platform and potential of our community, take action! Explore the architecture of our platform and test out each API to see how easy it is to localize and extend our community app, integrate with another system, tie into a mobile money platform or build an entire new solution for digital financial services.

Fork Mifos X on GitHub

Maximizes Value for All

  • Financial Institutions

    Mifos X is lightweight, easier to use, cheaper to host and ready to extend:

    • Unparalleled flexibility and extensibility –  no matter what services you support or way you operate, Mifos X can support your products delivered how you need it – on-site, in the cloud or via mobile.
    • Low-cost, continuous innovation – using one common platform, you gain free access to a robust core and a world of new innovation that flows in – you only focus on the additional functionality that matters uniquely to you.
    • Control your own destiny – you’re free to create, own, and create your technology future; whether you use our community app or build your own custom solution.

  • Partner Ecosystem

    Mifos X is the most modern solution in the market that you’re free to openly customize and build on:

    • Foundation for innovation – Mifos X is the perfect way to bring a new solution to market – replace out-dated technology, integrate with your own offering, or build out a brand new solution – all supported by a open licensing structure that gives you control.
    • Focus on adding value – don’t spend effort on commoditized functionality; start with our core and only build out the unique high-impact services where you add value to the market.
    • Long-lasting community support – all innovation contributed  into our platform will be maintained and extended by our global community – open to the many eyes of our users, partners, and developers ready to ensure the highest level of quality.

  • Volunteers

    By contributing to our common platform, you know your contributions will be valued, maintained, and exponentially magnified:

        • Modern Cutting Edge Technologies – because our platform is built on the latest technology stack, not only are you helping to end poverty, you’re refining criticals skills in building enterprise web apps, analyzing big data, and delivering instantly via the cloud and mobile.
        • Connect to the Base of the Pyramid – everyone is collectively united on our platform; from the software professional in Silicon Valley to the mobile app developer in Nairobi to the field officer in Bangalore, we’re working designing and developing client-focused innovation to uplift the 2 billion unbanked.