Industries
Secure software for the businesses people trust with money
Customer onboarding and KYC, loan and policy applications, claims handling, customer portals, Bakong and ABA PayWay integration and reporting for microfinance institutions, lenders, insurers, brokers, fintech teams and accounting firms.
Flexible payment on every project: a low entrance fee, then monthly payments that suit a growing business, delivered in phases. We agree the terms around your budget.
Software for Finance & Insurance
Finance and insurance run on process: the application that is complete, the identity that is verified, the claim that is handled in time, the payment that lands and is reconciled. We build the software that carries those processes for microfinance institutions, lenders, insurers, brokers, fintech teams and accounting firms — secure, auditable and built to your compliance requirements. We build the software; you hold the licence.
Most projects start with a paper-heavy flow: onboarding done in branches with photocopies, applications that take days to move between desks, claims tracked in a spreadsheet. We digitise the flow end to end — capture, verification, approval, payment and reporting — and connect it to your core systems rather than replacing them. Where AI can read a document or extract fields, it does so with a person checking before any decision is made. Every job is scoped in writing before work starts.
What we build for this sector
Customer onboarding and KYC
Digital onboarding with ID and document capture, selfie checks, address and consent forms, and a review queue for your compliance team.
Loan and policy applications
Application flows for web and mobile with document upload, eligibility rules you control, status tracking and approval workflows.
Claims handling
Claims lodged online with photos and documents, routed to assessors, tracked to settlement and reported on.
Customer portals and dashboards
Secure portals where customers see balances, policies, repayment schedules and documents, and dashboards for your staff.
Payments and Bakong / ABA PayWay integration
Repayments, premiums and top-ups collected through Bakong KHQR, ABA PayWay and cards, reconciled automatically against accounts.
AI document extraction
Reading IDs, statements, invoices and forms into structured data, with confidence scores and human review before anything is accepted.
Why this sector works with Baal
Security and audit built in
Role-based access, encryption, audit trails and hosting choices that suit regulated businesses.
Payments that land and reconcile
We have built payment flows where a purchase on the web lands in the app the moment payment completes, and we apply the same care to repayments and premiums.
Reporting you can stand behind
Portfolio, arrears, claims and cash reports produced from live data, exportable for regulators and auditors.
How we work
- 01
Talk
You tell us what you need, on WhatsApp, Telegram or the form, and you are talking to the team from the first message. We ask questions until we understand the problem properly — usually the same day.
- 02
Quote
We put the scope, the fee and the timescale in writing before any work begins, with payment terms that fit your budget: staged, monthly or spread over time. No surprises later.
- 03
Build
We build in stages and show you working software as it progresses, not only at the end.
- 04
Support
After release we stay on for updates, fixes and changes as the business moves. Ask for a change and it lands in days, not a ticket answered next week and scheduled for next quarter.
Frequently asked questions
No. Baal is a software company. We build the systems that lenders, insurers and other licensed businesses run; we do not offer loans, insurance or investment products ourselves, and the licence and compliance obligations stay with you.
Usually, yes. Where the system offers an API, file exchange or database access we integrate with it, so onboarding, applications and payments flow into the core record without retyping.
AI is used for extraction and drafting, not decisions. Every extracted field carries a confidence score and is checked by a person before it is accepted, and the audit trail records what was read, by what, and who approved it.
Ready to build something?
Tell us what you need. WhatsApp and Telegram reach the team directly, we reply with questions, then a written quote — no obligation, nothing to buy here. Good work is priced properly, and paying for it is flexible: a low entrance fee, then monthly payments that suit a growing business.