Elmo's Financial Solutions
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Elmo's Bank · For banks and microfinance institutions

From the counter to the balance sheet, manage your portfolios and risks with complete peace of mind.

We offer a demonstration on realistic sample data, with your heads of operations, credit, accounting and IT.

Inspection
Answer calmly, for whatever date you are asked about
Compliance
Your regulatory returns filed on time, with peace of mind
Credit
A portfolio that is up to date every morning, with no reprocessing

We also offer: Elmo's Collecte, Elmo's Tontine and Elmo's Notify.

Your next inspection

Five points to approach it calmly

  1. 1Do your regulatory returns reach the COBAC on time, with peace of mind? A late or missing return exposes you to penalties.
  2. 2Can you produce the position of an account at 31 December in a few minutes?
  3. 3Does every cash discrepancy have a recorded decision?
  4. 4Are your limits and delegations enforced by the system, or by instruction?
  5. 5Are your anti-money-laundering alerts followed through to a decision?

Hesitating over an answer? Let us talk: 30 minutes is enough to get a clear view.

Talk to an expert

No commitment. We reply within 24 business hours.

14institutions equipped
320 000collections recorded
3countries covered
85branches equipped
Our clients and partners
Mutuelle Horizon Caisse du Littoral Commune de Bonanjo Union des Tontines Crédit Rural du Centre

What you gain every day

You serve thousands of customers across your branches, under the eye of the COBAC. Our solutions give you reliable figures at any time, and the peace of mind of being able to justify everything.

A cash desk under control, day after day

Every franc in the till has a known origin. If a discrepancy appears, it is explained the same day.

Credit followed from application to recovery

Files, instalments and arrears in one place: you start the day with an up-to-date portfolio.

An inspection prepared in advance

“Show me this account as it stood on 31 December.” You answer in a few minutes, with the history to back it up.

Discover Elmo's Bank
Solutions

Five solutions, one aim: to save you time and give you peace of mind.

Elmo's Bank

The management of your portfolios, your cash desks and your accounting, brought together in a single tool.

Who it is for: banks and microfinance institutions that want to approach every inspection calmly.

  • Inspection-ready: retrieve the position of any account, at the date requested
  • COBAC compliance: your regulatory returns filed on time, receivables classified, provisions calculated
  • Anti-money-laundering and internal fraud: every alert followed through to its decision
The modules of Elmo's Bank
Customers and accounts
The whole customer relationship on a single record: documents, signatories, stop notices.
Counter and cash desk
Every franc in the till has a known origin; a discrepancy opens an investigation.
Credit
Regulatory calculations and usury ceiling already built in.
Portfolio and provisions
Receivables classified and provisions calculated according to the framework.
Accounting
Protected entries, closed periods that no longer change.
Compliance and monitoring
Anti-money-laundering alerts, fraud, COBAC returns on time.
Approval workflows
Every sensitive decision approved by the right people.
Branches
Your branches keep serving their customers, even when the network is limited.
Financial markets
Orders followed through to settlement
Securities accounts kept up to date
Built-in compliance

Elmo's Bourse

Your orders, your securities accounts and your corporate actions, followed from the first order to settlement.

Who it is for: brokerage firms that want to follow every order and approach every audit calmly.

Field collection
Receipt given on the spot
Cash handovers approved by two people
End-of-day close

Elmo's Collecte

Your field collectors take payments on the spot, the customer leaves with a receipt, and you close the day with confidence.

Who it is for: microfinance, town halls, tax authorities and any organisation that collects funds.

Community savings
Contributions
Order of turns
Shared history

Elmo's Tontine

A well-run tontine is a group that keeps its trust: every member sees their contributions, the current turn and the history.

Who it is for: tontines, associations and all savings groups.

Customer messaging
A single point of dispatch
Automatic fallback
Tracking of every message

Elmo's Notify

Talk to your customers where they read you: SMS, WhatsApp or e-mail, straight from your applications.

Who it is for: banks, financial institutions and any information system that needs to write to its customers.

Go-live of Elmo's Bank

We support you from the first demonstration to the opening of your first counter.

  1. 01Demonstration
  2. 02Opening of your workspace
  3. 03Configuration
  4. 04Readiness check
  5. 05Data migration
  6. 06Go-live
Plan your deployment
Sectors

Whatever your line of work, we speak your language.

Microfinance

Elmo's Bank for your branches, Elmo's Collecte for your rounds: a single point of contact.

Local authorities and local taxes

Your agents collect market taxes in cash, and every taxpayer leaves with a receipt.

Tontines and associations

Your members follow their contributions and their turns, and the group's trust comes out stronger.

Banks and fintechs

Elmo's Bank to manage your portfolios and risks day to day, Elmo's Notify to write to your customers from your own applications.
Security and compliance

What you can count on, and what we are preparing for you.

Access

Everyone sees what falls within their role, nothing more. What is not authorised is refused by default.

General ledger

A posted entry is never rewritten. To correct it, a new dated entry is added, and the history stays readable.

Monitoring

Anti-money-laundering, internal fraud and credit risk alerts, followed through to a decision.

Regulation

Designed for COBAC regulation and for the charts of accounts of banks and microfinance.

On the day of the inspection, you can hand the inspector
  • Your COBAC regulatory returns, filed on time
  • Trial balance and general ledger at the closing date
  • Account statement at the date of your choice
  • Portfolio at risk and ageing balance
  • Classification of receivables and provisions
  • Audit trail: who, what, when
  • Monitoring alerts and the decision taken
Designed according to COBAC regulation Audit trail that cannot be altered
See the status of standards Download the security sheet

What our clients say, and what they have measured.

Results reported by our clients, with their agreement.

40 % fewer cash discrepancies
“We trace the origin of a discrepancy in a few minutes, no longer by hand at the end of the day.”
Branch manager
Microfinance mutual, Littoral
4 h → 45 min for the cash close
“In the evening, our field collectors hand over their cash and everything tallies.”
Head of operations
Microfinance institution, Centre
180 members tracked per tontine
“Every member sees their contributions. The arguments about the accounts have gone.”
Association chair
Tontine association, Douala
See all case studies
Resources

Take the time to get to know us: we will be there when you have questions.

Elmo's Bank: the presentation (PDF)From the counter to the balance sheet, 2026 edition, sent on request.

This form will be activated soon. Meanwhile, write to contact@elmos-financials.com or call +237 675 286 311.

Our latest articles
Regulation

COBAC: the reports to prepare before the inspector arrives

Which returns the regulator expects from you, how to organise them through the year and avoid a race against the clock on the day.

28 October 2026 · 7 min readRead
Credit

Adapting the credit process to the size of the request

A microloan and a mortgage are not handled in the same way. How to lighten the process without losing rigour.

22 October 2026 · 6 min readRead
Risk management

Provisions and portfolio quality: good habits

Classifying receivables, following up on delays and provisioning in time: a simple routine to keep a portfolio healthy.

15 October 2026 · 6 min readRead
Compliance

Anti-money-laundering: giving your staff a clear framework

Readable rules, useful alerts and a record of every decision to reassure your auditors.

8 October 2026 · 5 min readRead
Collection

Field collection: securing the handover of funds

From payment to the cash desk, how to close every step and know at all times where the money is.

1 October 2026 · 5 min readRead
Collection

Collecting without a network: what the provisional receipt changes

In poorly covered areas, work no longer stops. A look back at a practice that reassures collectors and users alike.

24 September 2026 · 4 min readRead
See all articles

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This form will be activated soon. Meanwhile, write to contact@elmos-financials.com or call +237 675 286 311.

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