Mitose is the Microclouds banking platform — purpose-built for the cooperative banking sector and equally suited to commercial banks. Built from over a decade of domain immersion (including our long-running COINS engagement serving 5,000+ cooperative banks), Mitose covers the full banking stack.
Customer onboarding, KYC, lifecycle management and 360-degree customer view.
Savings, current, recurring and term deposit products with flexible configuration.
Loan origination, underwriting, servicing and collections — with AI-driven scoring.
Native iOS and Android mobile banking with biometric security.
Regulatory and management reports out of the box, plus a custom report builder.
Audit trails, anti-money-laundering monitoring and regulatory submission tooling.
End-to-end core banking and mobile banking purpose-built for cooperative operations.
Selective modernization — modern customer-facing layers over legacy cores.
Lightweight, field-officer-friendly modules for microfinance operations.
Integration with COINS-style insurance partner ecosystems.