Cooperative Banking, Reimagined for the Cloud
"Fully Cloud. Truly SaaS. Absolutely FinX"
FinX is Nepal's most comprehensive cooperative management software — from core banking and loan processing to mobile banking, digital payments, and regulatory compliance. All in one unified platform.
- 21+ Integrated Modules
- Cloud-Native SaaS Platform
- Regulatory Compliant (CoPoMIS & goAML)
A Complete Cooperative
Technology Eco-System
From core banking to mobile payments, FinX covers every aspect of cooperative management in a single cloud-native platform built for Nepal's cooperatives.
Core Banking Module
Complete digital transformation of cooperative financial operations — member registration, account management, share transactions, loan processing, and daily financial activities in one integrated system.
KYM – Know Your Member
Money Laundering Compliance system aligned with Nepal's directives. Digitizes member identification, documentation, and reporting for CoPoMIS and regulatory bodies.
Loan Processing System
Fully digital loan management from application to disbursement — application forms, approval workflows, installment scheduling, interest calculation, and 3-tier security.
Loan Document Generation
Auto-generates all loan documents including Tamasuk, agreement letters, approval forms, collateral details, and guarantor forms — printable and member-specific.
5C Analysis
Digital credit risk assessment using the 5C framework — evaluates loan safety and creditworthiness before disbursement to ensure responsible lending.
Loan Follow-up System
Tracks the entire loan recovery lifecycle from pre-due reminders to final collection. Maintains follow-up history and prepares legal documentation for recovery.
Built for Every Aspect of
Cooperative Operations
Whether you manage a small savings cooperative or a large multi-branch institution, FinX scales to meet your needs.
End-to-End Loan Processing — From Application to Recovery
FinX digitizes the entire loan lifecycle. Members apply digitally, the system performs 5C credit analysis, auto-generates Tamasuk and legal documents, tracks repayments, and manages follow-ups — all without paper.
- Digital loan application and approval workflow
- Auto-generated Tamasuk and legal documents
- 5C credit risk analysis built-in
- Automated follow-up and recovery tracking
- Legal documentation for loan recovery
Know Your Member — Digital Identity & Compliance
FinX's KYM module ensures full compliance with Nepal's money laundering prevention directives. Digitize member identification, maintain complete documentation, and generate regulatory reports for CoPoMIS and goAML with a single click.
- KYM forms aligned with Nepal's 2074 directives
- Digital member identification and documentation
- CoPoMIS monthly reporting data generation
- goAML STR/TTR XML report generation
- Direct upload to FIU's goAML system
Connected to Nepal's Entire Digital Payment Ecosystem
FinX integrates with every major digital payment platform in Nepal — eSewa, Khalti, FonePay, ConnectIPS, SCT ATM network, and COOPCARD. Members can transact anywhere, anytime, even without internet via SMS and missed call banking.
- eSewa, Khalti, FonePay & ConnectIPS integration
- SCT & COOPCARD ATM network access
- QR code payments and SCAN PAY
- mCOOP mobile banking app (24/7)
- Offline SMS banking for rural members
Seamlessly Connected to Nepal's Financial Ecosystem
FinX integrates directly with all major digital payment gateways, ATM networks, and regulatory reporting systems in Nepal.
Plans for Every Cooperative Size
Flexible pricing tailored to your cooperative's size and needs. Contact us for a custom quote.
- Core Banking Module
- KYM Compliance
- Loan Processing System
- Loan Document Generation
- SMS Alerts & Notifications
- E-Teller
- Basic Reporting
- Email Support
- Everything in Starter
- mCOOP Mobile Banking App
- Collector App
- Admin App
- QR Distribution & SCAN PAY
- ATM Integration (SCT & COOPCARD)
- CoPoMIS & goAML Integration
- HR Management System
- Inventory & Asset Management
- Priority Support
- Everything in Professional
- Inter-Cooperative Fund Transfer
- Member Insurance Management
- AGM Management System
- Miss Call Banking
- Offline SMS Banking
- eSewa, Khalti, FonePay, ConnectIPS
- Custom Integrations
- Dedicated Account Manager
- On-site Training & Support
All plans include cloud hosting, regular updates, and data security. Prices are customized based on cooperative size and requirements.
Powering Nepal's Cooperatives
Since Day One
FinX is a product of Zinob Inc. Pvt. Ltd., a technology company dedicated to building modern, cloud-native software solutions for Nepal's cooperative sector.
Zinob Inc. Pvt. Ltd.
Zinob Inc. is a Nepal-based software company specializing in fintech solutions for the cooperative sector. With offices in Kathmandu, Janakpur, and Morang, we serve cooperatives across Nepal with locally-built, globally-standard software.
Cloud-First
Built natively for the cloud — no on-premise servers, no maintenance headaches. Access your cooperative data from anywhere.
Regulatory Compliant
Fully aligned with Nepal's cooperative regulations, CoPoMIS requirements, and Anti-Money Laundering (AML) directives.
Truly SaaS
Subscribe and start — no upfront infrastructure costs. Regular updates, new features, and security patches delivered automatically.
Member-Centric
Every feature is designed to improve the experience for cooperative members — from mobile banking to field collection.
Ready to Transform Your
Cooperative?
Get in touch with our team for a personalized demo, pricing, or any questions about FinX Cooperative Software.
