Stima Sacco Leverages Digital Innovation to Expand Member Services Across Kenya

Stima DT Sacco Society Limited  is a leading deposit-taking cooperative society in Kenya, dedicated to empowering its members financially and socially. As the first Sacco to be licensed by SASRA, the Sacco Societies Regulatory Authority (License No. 1), Stima Sacco has been a pioneer in introducing innovative financial solutions, including instant ATM services, mobile banking, cheque truncation, Shariah-compliant products, and conventional cheque issuance.

Stima Sacco provides a comprehensive range of services, including savings and deposit accounts, credit facilities, mortgage solutions, investment options, insurance through its fully-owned Mpawa Insurance Brokers, and diaspora financial services. With a strong emphasis on convenience and member empowerment, Stima Sacco leverages digital platforms such as the M-Stima mobile banking app and specialized portals for internet banking, insurance, and payroll management.

The organization’s mission is to provide accessible, secure, and value-driven financial solutions while fostering innovation, compliance, and member satisfaction. Stima Sacco has continuously focused on expanding its technological capabilities to improve service delivery and member experience, aiming to become the first billion-dollar credit union in Africa within the next five years.

“WSO2 presents to us the platform with which we can bring digital transformation at speed. We are able to scale up our applications, reuse code, and bring more solutions to market.”

– Samuel Kahura Wacira, ICT Manager, Stima Sacco Society Ltd