Digital transformation solutions - ZIMA Solutions

DIGITAL TRANSFORMATION

Empowering financial institutions, government agencies, and enterprises through secure, scalable, and intelligent systems that drive operational excellence.

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Enterprise software solutions - ZIMA Solutions

ENTERPRISE SOLUTIONS

From loan management to payment gateways, HR systems to data warehousing - we build mission-critical platforms that transform how organizations operate.

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RTGS TIPS GePG integration - ZIMA Solutions

BUILD YOUR FUTURE

Seamless integration with BOT systems, mobile money platforms, and enterprise infrastructure. Your trusted partner for digital transformation across Africa.

Our Projects Partner With Us

Who We Are

Transforming Digital Futures

Zima Solutions Limited is a forward-thinking technology and business innovation company specializing in digital transformation for financial institutions, government agencies, and enterprises.

We design and implement secure, scalable, and intelligent systems that drive operational efficiency, compliance, and superior customer experience.

Our focus is to empower organizations through automation, data-driven decision-making, and digital inclusion, helping clients achieve sustainable growth in an evolving digital economy.

Partner With Us

Enterprise Integration

Seamless connectivity with RTGS, TIPS, GePG, and mobile money platforms for real-time transactions.

Regulatory Compliance

BOT-compliant reporting systems with automated real-time supervisory information.

Automation & AI

AI-powered solutions for customer support, predictive analytics, and intelligent decision-making.

Digital Inclusion

VICOBA integration and microfinance solutions connecting unbanked populations to formal banking.

20+
Enterprise Projects
50+
Client Organizations
4
BOT Integrations
99.9%
System Uptime

Our Solutions

Enterprise Integration Services

Mission-critical integration solutions connecting Tanzania's financial institutions with national payment infrastructure, Bank of Tanzania systems, and beyond. Trusted by banks, MFIs, and government agencies.

RTGS Integration with Bank of Tanzania

Seamless Real-Time Gross Settlement (RTGS) integration with Bank of Tanzania for high-value interbank transfers in Tanzania. Our solution supports SWIFT MT message types, MT-MX conversion to ISO 20022 standards, message translation, and automated customer notifications. Process TZS billions in secure, instant settlements.

  • Full BOT RTGS compliance and certification
  • ISO 20022 messaging standards support
  • Real-time transaction confirmations
  • Reduced settlement risk for interbank transfers

TIPS Integration - Tanzania Instant Payment System

Connect to Tanzania Instant Payment System (TIPS) - the national real-time payment switch processing over TZS 29.9 trillion annually. Enable Bank-to-Wallet (B2W), Wallet-to-Bank (W2B), Bank-to-Bank transfers, TanQR payments, and cross-border remittances with Rwanda and EAC partners.

  • 24/7 instant payment processing
  • TanQR code payment support
  • Mobile money interoperability (M-Pesa, Airtel, Tigo)
  • Cross-border EAC payment readiness

GePG Gateway Integration (Version 2.0)

Government e-Payment Gateway (GePG) integration for Tanzania's mandatory government revenue collection system. Enable customers to pay taxes, fees, licenses, hospital bills, and university fees through multiple channels - branches, ATMs, mobile banking, internet banking, and USSD.

  • Ministry of Finance GePG 2.0 compliance
  • Multi-channel payment collection
  • Automated ERV report generation
  • Real-time reconciliation with treasury

API Gateway & Open Banking Platform

Secure, scalable API management platform enabling open banking in Tanzania. Expose, consume, and monetize banking services with fintechs, aggregators, and third-party ecosystems. Built for Tanzania's growing digital financial services market with 63+ million mobile money wallets.

  • Open banking API standards
  • Fintech partnership enablement
  • API monetization capabilities
  • OAuth 2.0 security and rate limiting

Financial Services & Payments

7 Solutions

Collection Solution (Pay by Link)

Digital payment collection system for Tanzania. Generate secure payment links for loan repayments, invoices, and transactions. Integrates with M-Pesa, Airtel Money, Tigo Pesa, and bank transfers for maximum reach.

Digital Payments

Channels Reconciliation System

Automated multi-channel reconciliation for Tanzanian banks. Reconcile transactions across core banking, mobile money (M-Pesa, Airtel, Tigo), ATMs, POS, and digital channels with audit-ready accuracy.

Finance Operations

Salary Advance Management

Automated salary advance platform for Tanzanian employers and banks. Issue instant salary advances linked to payroll with automatic deductions. Serve government employees, corporates, and SMEs.

Consumer Lending

Vehicle Financing Platform

End-to-end vehicle loan management for Tanzania. Digital applications, credit scoring, collateral tracking, and automated repayment reminders. Integrates with TRA for vehicle verification.

Asset Finance

Comprehensive Loan Management

Full-cycle loan origination system for Tanzanian financial institutions. Application processing, risk assessment, credit scoring, disbursement, repayment tracking, and collections management.

Core Banking

TanQR Merchant Management

Unified merchant payment platform supporting Tanzania's TanQR standard. Manage QR-based payments, settlements, and reporting across multiple acquirers and mobile money operators.

Merchant Services

Account Opening (Remote & Branch)

Digital KYC and account opening for Tanzanian banks. Enable customers to open accounts remotely via mobile or in-branch with biometric verification, NIDA integration, and instant account activation.

Digital Banking

Microfinance & Financial Inclusion

5 Solutions

Microfinance Management System

Complete MFI software for Tanzania. Manage group and individual micro-loans from origination to repayment. Support flat rate, declining balance (EMI), and Islamic finance models. TCDC approved.

MFI Software

SACCOS Management System

End-to-end SACCO software for Tanzania mainland and Zanzibar. Manage member savings, shares, loans, dividends, and regulatory reporting. Approved by TCDC with full BOT compliance.

SACCO ERP

VICOBA Integration Service

Connect Village Community Banks (VICOBA) to formal banking in Tanzania. Digitize group savings, loan management, and member records. Enable mobile money integration for rural financial inclusion.

Financial Inclusion

Investment Groups Platform

Digital platform for Tanzania's investment groups (vikundi vya uwekezaji). Manage group savings, investments, profit-sharing, and member contributions with transparent reporting and mobile access.

Group Finance

AgriBusiness Financing Suite

Agricultural finance platform for Tanzania. Manage farmer loans, subsidies, crop insurance, and cooperative financing. Digital farmer profiling supports national food security initiatives.

Agri-Finance

Compliance & Regulatory Systems

4 Solutions

BOT RTSIS Reporting System

Automated Real-Time Supervisory Information System for Bank of Tanzania compliance. Submit accurate financial and regulatory data in real-time. Avoid penalties with automated, audit-ready reporting.

BOT Compliance

Government Loans (eLoans)

Digital platform for government-backed loans in Tanzania. Manage HESLB student loans, SME development funds, and social welfare financing with verification workflows and fraud prevention.

Government Finance

Contracts & Documents Management

Centralized document management for Tanzanian organizations. Digital repository for contracts, legal documents, and compliance records with e-signatures, version control, and automated approvals.

Document Management

Legal Cases Management

Litigation tracking system for Tanzanian banks and corporates. Manage court cases, legal risks, compliance deadlines, and lawyer assignments. Integrated with Tanzania court systems.

Legal Tech

Enterprise Management Systems

5 Solutions

HR Management System (HRMS)

Complete human resource management for Tanzania. Recruitment, payroll processing, NSSF/WCF compliance, training management, and performance evaluation. Compliant with Tanzanian labor laws.

HR Software

Business Management ERP

Comprehensive ERP system for Tanzanian SMEs. Integrated finance, HR, sales, procurement, and inventory modules. Support business growth with real-time reporting and decision support.

ERP Software

Inventory Management System

Digital inventory and asset management for Tanzania. Track fixed assets, stock levels, procurement, and supplier payments. Reduce fraud with automated controls and audit trails.

Asset Management

Tenants Management System

Property and rental management for Tanzanian landlords and banks. Manage units, leases, rental payments, and maintenance. Integrate with mobile money for automated rent collection.

Property Tech

Incidents Management System

IT and operational incident tracking for Tanzanian enterprises. Log, track, and resolve incidents with SLA management. Improve service delivery and maintain operational resilience.

IT Service

Sector-Specific Solutions

4 Solutions

School Management System

Complete school ERP for Tanzanian educational institutions. Manage student records, fees collection, academic reporting, and online payments. Support nursery, primary, secondary, and higher education.

EdTech

Zahanati Management System

Healthcare facility management for Tanzanian hospitals and clinics. Patient records, billing, medicine inventory, NHIF integration, and insurance claims. Improve healthcare delivery and financing.

HealthTech

Events Management System

Digital event management for Tanzania. User registration, contribution tracking, vendor coordination, and secure payments. Perfect for harambees, weddings, and corporate events.

Event Tech

Notification Engine

Centralized messaging platform for Tanzanian businesses. Real-time and scheduled notifications via SMS, email, WhatsApp, and push. Marketing campaigns and transactional alerts in one platform.

Communication

AI & Innovation

1 Solution

Zona AI - Intelligent Assistant

AI-powered virtual assistant for Tanzanian enterprises. 24/7 customer support in Swahili and English, automated inquiries, and intelligent system assistance. Reduce call center costs while improving service.

Artificial Intelligence

Our Impact

Transforming Organizations Across Tanzania

From financial institutions to government agencies, our solutions drive operational efficiency, compliance, and sustainable growth in the digital economy.

Banking Integration

BOT Payment Infrastructure

Implemented comprehensive RTGS and TIPS integration for multiple financial institutions, enabling real-time settlement and instant payments across Tanzania's banking ecosystem. Achieved BOT compliance with automated MT-MX conversion and supervisory reporting.

99.9%
Uptime
< 2s
Settlement Time
100%
Compliance
Lending Solutions

Comprehensive Loan Management

Deployed end-to-end loan management platforms for salary advances, vehicle financing, and government-backed loans. Automated credit scoring, disbursement workflows, and collection tracking reduce NPLs and improve portfolio quality.

80%
Faster Processing
35%
NPL Reduction
24/7
Availability
Digital Inclusion

VICOBA & Agricultural Finance

Connected Village Community Banks with formal banking infrastructure and deployed agricultural financing suites for AMCOS. Farmer profiling, crop insurance, and mobile access bring financial services to rural Tanzania.

50K+
Farmers Served
20+
AMCOS
40%
Cost Reduction
Government

GePG & eGovernment Integration

Implemented Government e-Payment Gateway integration across multiple channels - branches, ATMs, mobile, internet, and USSD. Enables seamless government fee payments while ensuring compliance with national mandates.

5
Channels
1M+
Transactions
60%
Cost Savings

"Zima Solutions delivered a transformative loan management system that has revolutionized our operations. The automated workflows, real-time reporting, and seamless BOT integration have significantly improved our efficiency and compliance posture."

Financial Institution

Banking Sector Client

Our Clients

Trusted by Leading Organizations

We partner with financial institutions, government agencies, agricultural cooperatives, and enterprises across Tanzania and beyond. Our solutions power operations for thousands of users, processing millions of transactions securely and efficiently.

15+

Financial Institutions

Banks, MFIs & SACCOS

20+

Agricultural Cooperatives

AMCOS & Farmer Groups

5+

Government Agencies

Regulatory & Public Sector

25+

Enterprises

Corporate & SMEs

Industries We Serve

Banking & Finance
Agriculture
Legal Services
Real Estate
Fintech
Education
Healthcare
Retail & Commerce
Logistics
Manufacturing
NGOs
Hospitality

Get In Touch

Let's Build Your Future Together

Ready to transform your operations with intelligent digital solutions? Reach out to discuss how we can help achieve your goals.

Send Us a Message

Contact Information

Head Office

Makongo, Near Ardhi University
Kinondoni, Dar es Salaam, Tanzania

Phone

+255 69 241 0353

Email

info@zima.co.tz

Tax Identification

TIN: 181-314-605

Business Hours

Monday - Friday 8:00 AM - 5:00 PM
Saturday 9:00 AM - 1:00 PM
Sunday Closed