Platform for Digital Financial Services

Apache Fineract® (\’fīn-,ә-,rakt\) is open source software for financial services.

At Apache Fineract®, our mission is to build, maintain and enhance a cloud-ready core banking system for robust, scalable, and secure operations of financial institutions. Fineract® provides a reliable, robust, and affordable solution for entrepreneurs, financial institutions, and service providers. We believe in financial services for everyone, including and especially for the unbanked and underbanked. Fineract® is aimed at innovative mobile and cloud-based solutions, and enables digital transaction accounts for all.

Fineract® 1.x is a cloud-ready platform with open APIs. It is, by design, a headless application. Solution Providers, including system integrators and banking system operators are able to build their own front end solutions on top of Fineract®. We encourage all Consumers (or users) of fineract to consult competent technical resources for all questions related to securing and running the software properly. Please consult the Apache license for further legal information and the FAQ for key information about the setup of this project.

NOTE DEPRECATED SUB-PROJECT: The Fineract® Community has also worked on a code project called Fineract® CN, intended to operate as a microservice architecture. If you find references to this project, please be aware that it is still around as an area of exploration but should not be confused with the Fineract® 1.x releases. In May 2023, the Fineract® Community decided to DEPRECATE this project. This side-project served an important role in describing a microservice approach, however, no release of the code was completed by the Fineract® Community.

About

Fineract® can be deployed in any environment: cloud or on-premise, although most active contributions are coming in on cloud based deployments. It can support front end interfaces on or offline, mobile or PC, depending on the requirements and as managed by the implementing organization. It’s aim is to be extensible enough to support any organizational type or delivery channel, and flexible enough to support any product, service, or lending methodology. For any organization, big or small, it provides the client data management, loan and savings portfolio management, integrated real time accounting, and social and financial reporting needed to bring digital financial services to a modern connected world.

Fineract® 1.x compares well to other core banking systems and draws from requirements in credit unions, microfinance institutions, and small non-banking financial institutions. Features include flexible product configuration, KYC documentation support, business rule sets, payment transactions, and portfolio management. It includes an open API that dates to 2011 and is deployed in relatively high transaction volume environments.

Fineract® 1.x began incubation at Apache in December 2015 and is used by an active community of companies who build solutions for both financial inclusion and fintech innovation.

Contribute

The Apache Fineract® community welcomes contributors who want to support the Fineract® technology. Our community builds everything from this website, to the Fineract® code to documentation and best practices information.

We especially welcome additions and corrections to the documentation, wiki, and website to improve the user experience. Bug reports and fixes and additions to the Apache Fineract® code are welcome. Helping users learn best practices also earns good karma in our community.

Downloads

The below table lists mirrored release artifacts and their associated hashes and signatures available at apache.org. The keys used to sign releases are published at KEYS. Instructions for verifying your mirrored downloads are located here.

If you are looking for an old release that is not present here or on the mirror, please check the Apache archives.

Resources