Complete Core Banking Features
GxLMS is a comprehensive multi-tenant core banking solution designed for lending institutions. Every feature you need to manage customers, loans, deposits, treasury, compliance, and more.
Core Modules
Everything you need to run a lending institution
- Loan Management
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Complete loan lifecycle management from application to disbursement, repayment tracking, and recovery—with multiple interest methods.
- Customer & KYC
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Comprehensive customer registration, Ghana Card verification, document management, and KYC compliance tracking.
- Deposit Accounts
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Manage savings, current, and fixed deposit accounts with interest calculations, liens, and collateral management.
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Treasury & Teller
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Session-based teller operations, vault management, payment channels, and daily reconciliation for complete cash control.
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SMS & Notifications
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Automated SMS alerts for deposits, withdrawals, loan repayments, charges, due date reminders, and overdue notifications.
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Risk & Compliance
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PAR monitoring, MCAG quarterly returns, loan loss provisioning, recovery management, and complete audit trails.
Detailed Capabilities
Explore Every Feature in Depth
Click on any module below to see the complete list of features and capabilities available in GxLMS.
Customer Registration
Register customers with personal details, contact info, and employment data
Ghana Card Verification
Primary identification using Ghana Card (GHA-XXXXXXXXX-X format)
KYC Verification
Know Your Customer verification workflow with status tracking (Verified, Pending, Rejected)
Document Management
Upload and manage Ghana Card, passport photos, proof of address, employment letters
Customer Profiles
Comprehensive profiles with personal, addresses, documents, accounts, loans, and guarantors tabs
Next of Kin Management
Record emergency contacts with relationship type and contact details
Address Management
Multiple address types (Residential, Work, Business) with Ghana Post GPS support
Customer Search
Search by customer number, name, phone, or Ghana Card number
Status Management
Track customer status: Active, Inactive, or Blacklisted
Deposit Products
Configure Savings, Current, Fixed Deposit, and Mandatory Savings products
Account Opening
Open accounts with automatic account number generation (SAV-XXXX-XXXXXXXX)
Interest Calculation
Automatic interest calculation and crediting based on product configuration
Cash Deposits
Process over-the-counter cash deposits with receipt generation
Cash Withdrawals
Process withdrawals with identity verification and daily limits
MoMo Integration
Mobile Money deposits and withdrawals with reference tracking
Account Transfers
Account-to-account transfers within the institution
Collateral & Liens
Place and release holds on deposit funds for loan collateral
Transaction History
Complete transaction history with filtering by date, type, branch, and teller
Minimum Balance Enforcement
Enforce minimum balance requirements per product type
Loan Products
Configure products with interest rates, fees, terms, min/max amounts, and repayment frequency
Interest Methods
Support for Flat, Declining Balance, Declining Balance (Excel PMT), and Hybrid methods
Loan Application
Submit applications with customer, product, amount, term, sector, and purpose
Schedule Preview
Preview repayment schedule before submission with installment amounts and dates
Approval Workflow
Multi-level approval with status flow: Applied → Pending → Approved/Rejected → Disbursed
Credit Assessment
Review credit history, existing loans, income ratio, and collateral coverage
Loan Disbursement
Disburse to deposit account with automatic fee deduction and schedule generation
Loan Fees
Processing fees, insurance fees, late fees, and prepayment fees with collection tracking
Repayment Processing
Accept payments via cash, deposit account, or MoMo with payment allocation
Payment Allocation
Automatic allocation: Penalties → Insurance → Processing Fees → Interest → Principal
Loan Statements
Generate statements showing schedule vs. actual payments and outstanding breakdown
Loan Reschedule
Restructure loans with term extension, payment holiday, or rate reduction
Auto-Debit
Automatic deduction from deposit accounts on due dates (runs daily at 6:00 AM)
Loan Agreements
Generate and manage loan agreement documents with templates
Loan Sectors
MCAG-compliant sector classification: Agriculture, Trade, Services, Manufacturing, etc.
Guarantor Management
Record and track loan guarantors with contact and relationship details
Teller Sessions
Open/close sessions with opening balance, transaction tracking, and closing reconciliation
Session Balancing
Compare expected vs. actual balance with shortage/overage tracking
Cash Deposits
Process deposits with immediate balance update and receipt printing
Cash Withdrawals
Process withdrawals with customer verification and limit enforcement
Loan Repayments
Collect loan payments from cash or deposit account with automatic posting
Fee Collection
Collect loan fees and deposit account fees from cash or account
Vault Transfers
Request cash from vault or send excess cash to vault
Receipt Printing
Automatic receipt generation for all transactions
Transaction Limits
Enforce daily limits and single transaction limits per teller
Payment Channels
Configure Cash, Mobile Money, Bank, and Vault channels with GL mappings
Till Assignment
Assign tellers to payment channels with daily limits and primary till designation
Session Monitoring
Real-time view of all active teller sessions across branches
Session History
Historical view of closed sessions with transaction details and variances
Vault Management
Track vault cash balances and approve vault transfer requests
Treasury Dashboard
View total cash in tills, vault balance, today's deposits/withdrawals, pending approvals
Cash Movement Approval
Approve or reject cash transfer requests between tills and vault
Agent Registration
Register agents with code, contact details, ID, branch assignment, and operational limits
Agent Status Management
Track agent status: Active, Inactive, Suspended, or Terminated
Float Management
Issue and track agent float for field operations
Cash Collections
Record field collections against customer loan accounts
Bulk Collection Upload
Import collections from USSD system via CSV upload
Cash Lodgements
Record agent cash deposits at branch with approval workflow
USSD Collections
View and reconcile USSD payment sessions with status tracking
Agent Reconciliation
Daily reconciliation of opening float, collections, lodgements, and closing float
Agent Limits
Set float limit, daily collection limit, and per-transaction limit
Expense Recording
Record expenses with category, vendor, amount, date, description, and invoice number
Document Attachment
Attach receipts and invoices to expense records
Approval Workflow
Submit expenses for manager approval with status tracking
Expense Categories
Categorize expenses: Rent, Utilities, Salaries, Transport, Supplies with GL mapping
Vendor Management
Maintain vendor database with contact and bank details
Budget Tracking
Track budget vs. actual spending by category with variance analysis
Accrued Payables
Track accrued expenses and pending payments
PAR Dashboard
Real-time Portfolio at Risk analysis with trend charts
PAR Buckets
Track loans by aging: Current, 1-30, 31-60, 61-90, 91-180, 180+ days overdue
Overdue Loan List
Filter overdue loans by days, branch, loan officer, or amount range
SMS Reminders
Send individual or bulk SMS payment reminders to delinquent customers
Recovery Cases
Create and assign recovery cases with priority levels and officer assignment
Case Activities
Log phone calls, visit notes, documents, and schedule follow-ups
Promise to Pay
Record customer payment commitments with follow-up dates
Collateral Enforcement
Document and track collateral seizure and sale proceedings
Write-Off Requests
Submit uncollectible loans for write-off with justification and approval
Write-Off Register
Track all written-off loans and any subsequent recovery
Loan Loss Provisions
Calculate and post provisions by PAR bucket per MCAG guidelines
Provision Ratios
Apply provisioning: 0% Current, 5% PAR1-30, 20% PAR31-60, 50% PAR61-90, 75% PAR91-180, 100% PAR180+
Chart of Accounts
Hierarchical GL account structure: Assets (1000s), Liabilities (2000s), Equity (3000s), Income (4000s), Expenses (5000s)
GL Account Setup
Create accounts with code, name, type, parent account, and MCAG classification
Journal Entries
Create manual journal entries with validation (debits must equal credits)
Trial Balance
Generate trial balance by period with debit/credit verification
Income Statement
Generate P&L showing interest income, fee income, expenses, provisions, net profit/loss
Balance Sheet
Generate balance sheet with assets (loans, cash, fixed), liabilities (deposits), and equity
Cash Flow Statement
Generate cash flow showing operating, investing, and financing activities
Export to Excel/PDF
Export all financial reports to Excel or PDF format
MCAG Quarterly Returns
Generate complete quarterly returns with all sections (A-G)
Section A - Institution Info
Institution details, license number, contact information
Section B - Balance Sheet
Assets, liabilities, and equity position
Section C - Income Statement
Revenue, expenses, and profitability
Section D - Loan Portfolio
Loan outstanding by product, sector, and classification
Section E - Savings Portfolio
Deposit balances by product type
Section F - PAR Analysis
Portfolio at Risk breakdown by aging bucket
Section G - Staff Details
Staff count by role and branch
MCAG Inspection Report
Generate inspection-ready reports with all regulatory metrics
Period Closing
Close accounting periods to prevent backdating and lock financial data
Audit Trail
Complete log of all system actions: logins, transactions, changes, approvals
Audit Trail Filtering
Filter audit records by date range, user, module, or action type
User Management
Add users with email, name, phone, branch, and role assignment
User Roles
Role-based access: SuperAdmin, TenantAdmin, BranchManager, LoanOfficer, Teller, Cashier, Auditor, Agent, Accountant, RiskManager
Password Management
Reset passwords with complexity requirements (8+ chars, upper, lower, number, special)
User Status Control
Manage user status: Active, Inactive, or Locked
Branch Setup
Configure branches with code, name, address, contact, and manager
Branch Hierarchy
Define Head Office, Regional, and Sub-branch structure
System Settings
Configure interest calculation, fee settings, penalty settings, SMS templates
Report Headers
Customize institution details on all printed reports
Opening Balances
Post opening balances for GL, deposit, and loan accounts during implementation
Job Monitor
Monitor background jobs: Auto-Debit (6AM), Penalty (7AM), Interest Accrual (11PM), Delinquency (11PM)
Multi-Tenant Support
Each institution operates in isolated tenant with unique tenant code
Branch Dashboard
Today's summary: disbursements, collections, new customers, overdue loans
Head Office Dashboard
Institution-wide metrics, branch performance comparison, executive KPIs
Regulator Dashboard
Multi-institution view for MCAG with compliance status tracking
Session Timer
Visual session countdown with auto-refresh and expiry warnings
Quick Actions
One-click access to common tasks from dashboard
Loan Reports
Loan disbursement, repayment, outstanding, and schedule reports
Deposit Reports
Deposit balance, transaction, and interest reports
Collection Reports
Daily collection, agent collection, and arrears reports
Role-Based Access
10 Pre-Configured User Roles
GxLMS comes with comprehensive role-based access control to ensure the right people have access to the right features.
Flexible Interest Calculation
Multiple Interest Methods
GxLMS supports various interest calculation methods to match your loan products and regulatory requirements.
Flat Rate
Interest calculated on the original principal amount throughout the loan term
Declining Balance
Interest calculated on the remaining principal, reducing as payments are made
Declining Balance (Excel PMT)
Uses Excel-style PMT formula for precise amortization schedules
Hybrid
Declining balance for initial periods, then switches to flat rate
MCAG Loan Sectors Supported
Risk Management
Portfolio at Risk (PAR) Analysis
Track loan quality with MCAG-compliant PAR buckets and automatic provisioning calculations.
Automated Background Jobs
Automation
Set It and Forget It
GxLMS runs critical background processes automatically, ensuring your operations continue smoothly without manual intervention.
- Scheduled job monitoring dashboard
- Success/failure status tracking
- Manual trigger capability for administrators
- Detailed processing logs and record counts
Productivity
Keyboard Shortcuts for Power Users
Ready to see GxLMS in action?
Schedule a demo to see how GxLMS can streamline your operations and ensure regulatory compliance.