PCES

01/04/2026

Last week in Kinshasa, PCES brought together leaders from the microfinance sector to discuss a key question:
How can MFIs move from digitization to true digital transformation?
This was the focus of our event:
From Digitization to Digital Transformation: Building Innovative MFIs in the DRC.
The event gathered executives from microfinance institutions to exchange perspectives on the realities of digital transformation, from strategy and technology choices to implementation and long-term support.
Throughout the discussions, we explored practical approaches to digital transformation, including how MFIs can move beyond simply adopting software to truly redesign their operations and services.
Following the event, our Digitalization Expert Christophe Bretagnolle shared his reflections on the conversations and what they reveal about the evolution of the microfinance sector in the DRC.
👉You can read the full article here:
📍EN: https://pces.mk/what-a-day-s-conference-says-about-a-sector-in-full-transformation-kinshasa-march-26-2026/
📍FR: https://akiba.mk/fr/ce-quune-journee-de-conference-dit-dun-secteur-en-pleine-mutation-kinshasa-26-mars-2026/
A special thank you to all participants for the engaging discussions and valuable insights shared.
Looking forward to continuing these important conversations across the sector.

Le 26 mars, nous avons réuni à Kinshasa des dirigeants d'institutions financières, des responsables de microfinance et des acteurs du secteur privé

06/03/2026

Many financial institutions invest in modern digital platforms expecting instant transformation.
But months later, paper notes are still everywhere. Excel sheets run in parallel. Staff create workarounds because they trust what they know. The system is installed, but not truly adopted.
The real problem is not resistance. It is readiness.
Digital transformation works when teams understand, trust, and feel confident using the tools daily. The strongest MFIs invest in people and choose systems built for real workflows, not perfect demos.

📍 Technology only creates value when people actually use it.

👉 Click on www.akiba.mk to find out more!
👉 or BOOK A DEMO on www.akiba.mk/book-a-demo

02/03/2026

Growth should feel exciting, not overwhelming. Yet many MFIs experience the opposite: as new clients join, systems slow down, processes stretch thin, and staff feel the pressure of doing more with the same resources.
But it doesn’t have to be this way.
With Akiba, scaling becomes a smooth, predictable process. Your team gets the support of a silent digital workforce that works 24/7, handles repetitive tasks, and keeps operations stable even as demand increases.

Akiba empowers your institution to:
✅ Automate loan origination
✅ Offer mobile-first services to rural areas
✅ Scale without hiring more staff

📍 Growth made simple.

👉 Click on www.akiba.mk to find out more!
👉 or BOOK A DEMO on www.akiba.mk/book-a-demo

27/02/2026

If your mobile app crashes, your USSD doesn’t sync, or your agents are working offline for days at a time, chances are, you don’t have middleware.
Middleware is the invisible bridge that connects your core banking system to the outside world. It translates what your agents, apps, mobile money providers, and partners are saying into a language your CBS understands, and vice versa. Without middleware, your development team builds one-off integrations that are fragile and hard to maintain. Your CBS ends up overwhelmed. New features take months to deploy.
With middleware, you regain control. Launch new services in weeks, not months. Ensure everyone in your digital ecosystem speaks the same language. Keep your core stable while building flexible, scalable digital solutions above it.
Middleware isn’t just a backend tool. It’s your digital growth strategy.
👉 Curious how it fits into your stack? Explore how UNITY – All-in-one digital suite enables modern banking for financial institutions: https://pces.mk/unity-all-in-one-digital-suite

26/02/2026

Compliance is non-negotiable for growing MFIs. Regulators demand accuracy, transparency, and timely reporting. But for many institutions, compliance still means late nights, spreadsheet reconciliations, and the constant anxiety of missing a requirement.
Manual reporting doesn’t just consume time. It increases risk, introduces errors, and diverts your team from higher-value work.
Modern compliance should work quietly in the background, not dominate your operations.

Akiba streamlines regulatory readiness so your team can stay focused on growth:
✅ Generate instant, regulator-ready reports
✅ Access complete transaction audit trails anytime
✅ Protect sensitive data with secure, always-updated encryption

📍 Stay ahead of audits, reduce risk, and free your team to focus on serving clients.

👉 Click on www.akiba.mk to find out more!
👉 or BOOK A DEMO on www.akiba.mk/book-a-demo

23/02/2026

Traditional banking channels have always been constrained, by branches, staff, and infrastructure. Every new customer meant more desks, more processes, more cost. A modern chatbot changes that entirely. With secure cloud hosting, real-time API integrations, and automated, 24/7 service, your bank is no longer tied to physical limits. Customers can open accounts, make transactions, ask questions, and explore products anytime, anywhere, all without adding a single desk or device. Efficiency, reach, and engagement scale together.

📍 Choose a channel that grows with your ambition.

👉 Or explore PCES Chatbot here: https://pces.mk/chatbot/

20/02/2026

For years, MFI performance in Africa was defined by portfolio size and repayment rates. Those numbers still matter, but they no longer tell the full story.
In 2026, mid-to-large MFIs operate in a more digital, regulated, and competitive environment. Retention, digital adoption, turnaround time, customer experience, resilience, and data quality are becoming just as important as loan disbursements.
The institutions that thrive will be those that track what truly defines sustainability, not just growth.
We explored the metrics African MFIs must begin measuring now to remain resilient and competitive in the years ahead.
👉 Read the full article in the link and discover which metrics your institution should start tracking today. https://akiba.mk/metrics-beyond-loans-what-african-mfis-must-track-in-2026/

19/02/2026

Growth rarely comes from offering the same product to everyone. Today’s clients expect financial services that reflect their reality: irregular income, seasonal cash flow, small business needs, and household pressures that shift month to month.
Yet many MFIs still operate with one-size-fits-all products, limited segmentation, and decisions driven more by assumptions than by data. The result is missed opportunities, low product uptake, and clients who quietly move to institutions that better understand them.
Personalization is no longer a luxury. It is a competitive advantage.

With Akiba, turning data into meaningful insight becomes part of your daily workflow:
✅ Analyze client behavior and repayment patterns effortlessly
✅ Design targeted financial products for real needs
✅ Improve retention through smarter segmentation and outreach

📍 Because when you understand your clients deeply, you serve them better and grow more sustainably.

👉 Click on www.akiba.mk to find out more!
👉 or BOOK A DEMO on www.akiba.mk/book-a-demo

16/02/2026

Financial services reach more people when language is not a barrier. A banking chatbot instantly adapts to your market’s linguistic diversity, offering support in French, English, Lingala and beyond, ensuring that every customer receives help in the language they trust most.
✅ Speak your customers’ language… automatically.
👉 Or explore PCES Chatbot here: https://pces.mk/chatbot/

13/02/2026

Don’t Replace Your Core, Extend It
Replacing your core banking system is expensive, risky, and time-consuming. But what if you didn’t have to?
Many MFIs and Banks across Africa are discovering a smarter path to digital transformation. Instead of ripping out their core, they’re extending it, with middleware.
Middleware acts like an upgrade layer. It lets you build modern digital services, connect to mobile money platforms, launch apps and USSD, and even integrate agents, without touching your CBS. You get all the benefits of a modern system, without the pain of a full migration.
It’s not about rebuilding. It’s about unlocking what you already have.
👉 Want to modernize without disruption?
Explore how PCES UNITY makes it possible: https://pces.mk/unity-all-in-one-digital-suite

11/02/2026

Financial inclusion is achieved when services are accessible, simple, and designed for everyone, not just smartphone owners or urban customers. A chatbot breaks these barriers by delivering banking through the most universal communication tool available: messaging.
✅ Wider reach
✅ Higher engagement
✅ True inclusion
Bring your bank into every conversation.
Explore PCES Chatbot here: https://pces.mk/chatbot/