Azania Bank PLC
East Africa's Leading Digital Transformation Bank, 2025.
What we built, and what changed.
Azania Bank PLC is a Tier One Tanzanian commercial bank, founded in 1995 and today majority-owned by Tanzania's national pension funds (PSSSF 51.32%, NSSF 28.04%). With ~US$823 Mn in assets, 27 branches and 7,000+ Wakala agents nationwide, Azania is a systemic institution whose technology choices carry national-scale implications for financial inclusion.
In January 2024, Azania engaged Techurate to deploy TigiOS™ and transform its service model from branch-dependent to fully omnichannel. Within 26 weeks, eight channels went live simultaneously, including an Open API Gateway connecting all five Tanzanian mobile-money networks (M-Pesa, Tigo Pesa, Airtel Money, Halo Pesa, TTCL Pesa) and a corporate banking module with full RBAC.
Twelve months later, Azania Bank was named Leading Digital Transformation Bank, East Africa 2025 at the Africa Bank 4.0 Awards in Nairobi.
Outcomes, not projections.
What made this deployment different.
Kiswahili, first-class
Full Kiswahili UX across mobile, USSD and WhatsApp, engineered as a native language, not a translation.
All 5 MNOs, one gateway
First Tanzanian deployment to unify M-Pesa, Tigo Pesa, Airtel Money, Halo Pesa and TTCL Pesa behind a single Open API layer.
Wakala transformed
62,000 new accounts opened via agents in 12 months, the fastest-growing onboarding channel, with TZS 280 Bn in corporate cash collections.
Month-end close: 6 days → 5 hours
All 15 BOT regulatory reports delivered on time every month since go-live, with SHA-256 tamper hashing and point-in-time reproducibility.
From empowering rural communities through our Wakala agents to embracing the convenience of chat-based banking via WhatsApp, the Azania Digital Platform ensures that no one is left behind.
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