Core Banking Systems
Scalable, secure and intuitve banking technology - leveraging AI for efficiency and cost saving.
Institutions Served
Average Uptime
Average Support
Response Time
Loan Disbursal
Designed for These Institutions
COMMERCIAL & RETAIL BANKS
Handling complex corporate portfolios and reducing delinquent loans demands speed and flexibility. Financial institutions need scalable platforms that speed up loan decision processes and strengthen risk oversight.
COMMERCIAL & RETAIL BANKS
DEVELOPMENT BANKS
Large-scale infrastructure and impact projects require transparent, integrated management. Development banks need flexible systems that enhance oversight, delivery and outcome tracking.
DEVELOPMENT BANKS
GOVERNMENT& ECONOMIC DEVELOPMENT
High volumes of enterprise support programs call for digital systems that enable faster turnaround, flexibility, accountability and allow governments to track program success.
GOVERNMENT& ECONOMIC DEVELOPMENT
FUND MANAGEMENT
Managing investment funds and non-bank direct lending requires flexibility and transparency. Fund managers need systems that support customised lending structures, investor oversight, covenant monitoring, and lifecycle reporting to manage risk and protect returns.
FUND MANAGEMENT
SME FINANCE & SUPPORT
SMEs need more than loans - they need partnership and support. Lenders require scalable platforms that speed decisions, manage risk, and help small businesses grow.
SME FINANCE & SUPPORT
FINANCIAL INCLUSION Credit Union / SACCO / MFI
With more customers seeking access to credit, Financial Inclusion providers require digital tools that enhance efficiency, credit assessment, and inclusion for underserved communities.
FINANCIAL INCLUSION Credit Union / SACCO / MFI
ISLAMIC FINANCING
Sharia-compliant institutions require adaptable platforms that support unique financing models while ensuring transparency, compliance, and faster service delivery.
ISLAMIC FINANCING
MORTGAGES
Borrowers expect quick, transparent home financing. Lenders need digital platforms that reduce process bottlenecks, speed approvals, and simplify loan management across growing portfolios.
MORTGAGES
What are Fern’s Core Banking Systems?
Fern’s Core Banking Systems – Baytree, Abacus, Abacus Web, Abacus Field deliver robust, scalable, and configurable platforms designed to support financial institutions across the full spectrum of operations. Whether you’re a bank, credit union, Financial Inclusion institution, development bank or SME lender, our solutions enable you to streamline workflows, accelerate product roll-out, and gain actionable insights — so you can focus on growth, service and innovation.
Products Under
This Solution
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Abacus
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Abacus Field
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Baytree