Transactional Banking
Overview
TAUSI
The TAUSI Transactional Banking product, in collaboration with TAMISEMI, provides a unified digital platform for individuals and businesses to access a wide range of government services with ease, transparency, and efficiency. This platform simplifies critical municipal services, especially for businesses, landowners, and citizens engaged in commercial and residential property transactions.
Business Licenses
- Apply for new business licenses
- Renew or terminate existing licenses
Specific Licenses
- Fishing vessel and fishing product licenses
- Hotel operation licenses
- Liquor licenses
Levy Payments
- Hotel levies
- Service levies
Building and Construction
- Apply for building permits
- Request Certificates of Occupancy
Property Tax
- Pay property taxes directly through the portal
Land and Housing
- Access information on available land plots
- Apply for land-related services
• House Rentals
- Submit rental applications
- Renew rental contracts
- Register rental properties
• Building and Construction
- Apply for building permits
- Request Certificates of Occupancy
• Property Tax
- Pay property taxes directly through the portal
• Land and Housing
- Access information on available land plots
- Apply for land-related services
• House Rentals
- Submit rental applications
- Renew rental contracts
- Register rental properties
• Register fishing vessels
• Apply for and manage fishing licenses
• Auctions
- Register and participate in government-approved auctions for land, property, and other assets
This integrated approach streamlines service delivery, promotes transparency, and supports digital transformation at the local government level.
Internet Banking ERP Integration Service
CRDB Bank offers a powerful integration service that seamlessly connects customers’ internal ERP (Enterprise Resource Planning) systems with the bank’s Internet Banking platform. This Straight Through Processing (STP) solution enables businesses to automate financial operations, streamline transactions, and improve reconciliation processes — all from within their own systems.
• CRDB provides secure Bank APIs that allow customers to directly link their internal systems to the bank.
• Brings banking services into your business environment for increased operational efficiency and reduced manual intervention.
1. Salary Payments
- Automate bulk salary disbursements directly from your ERP system. 2. Cross-Border Transfers
- Initiate and manage international payments with ease and security.
3. Local Bank Transfers
- Process payments to accounts in other local banks without logging into external portals.
4. Mobile Wallet Transfers
- Send funds directly to mobile money platforms (e.g., M-Pesa, Airtel Money, Tigo Pesa).
5. Reconciliation Support
- Access MT 940 SWIFT-standard statements to automate and simplify bank reconciliation within your ERP system.
Efficiency – Reduced manual processes and double entries
Accuracy – Minimized errors with automated data exchange
Speed – Faster execution of financial operations
Security – API connectivity with high-level encryption and authentication Control – Real-time access and management of banking operations from within your ERP
CRDB’s ERP integration is ideal for corporates, government institutions, and large organizations that handle high transaction volumes and require robust, automated financial management tools.
Collection Solutions
The Transactional Banking Unit offers a comprehensive collection solution through CRDB Bank's digital channels by integrating directly with institutions, schools, and private sector organizations. This integration facilitates seamless and efficient payment collections via multiple platforms, including:
➢ Simbanking
➢ Internet Banking
➢ CRDB Wakala (Agents)
➢ CRDB Branches
➢ Mobile Network Operators (MNOs)
➢ Inbound payments from local and international banks
Through this solution, end-users can log in to any of the bank’s digital platforms using a Payment Reference generated by the institution’s system. Upon verification, users can make payments, which are then automatically updated in real-time to the institution’s ERP or internal system.
➢ Smooth Reconciliation – Automated payment updates reduce manual errors and improve financial accuracy.
➢ Real-Time Transaction Updates – Payments are instantly reflected on both the banks and institution’s systems.
➢ Enhanced Service Efficiency – Reduces waiting times and simplifies the payment process for both institutions and end-users.
Government Collection Solution through CRDB Digital Channels (GEPG Integration)
The Transactional Banking Unit provides a comprehensive Government collection solution through CRDB Bank’s digital channels, seamlessly integrated with the Government Electronic Payment Gateway (GePG). This integration enables smooth, secure, and efficient collections for Government institutions via multiple access points, including:
• SimBanking
• Internet Banking
• CRDB Wakala (Agents)
• CRDB Branches
• Mobile Network Operators (MNOs)
• Inbound transfers from local and international banks
Citizens and service users can log in to any of CRDB’s digital platforms using a Control Number generated by the respective Government institution’s system. Upon verification, they can make the required payment, which is then instantly updated and reflected in the institution's ERP or financial system via GePG.
• Smooth Reconciliation – Automatic updates eliminate manual processing errors
• Real-Time Transaction Updates – Ensures instant reflection of payments in government systems
• Operational Efficiency – Enhances service delivery and reduces turnaround times
• Multi-Channel Convenience – Users can pay from anywhere, anytime, through their preferred digital platform
CRDB Integration with MUSE and ERMS for Government Payments
CRDB Bank, through its Transactional Banking Unit, has successfully integrated with the Government's MUSE (Mfumo wa Uhasibu Serikalini) and ERMS to streamline payments to suppliers, vendors, and staff within Central and Local Government Authorities (LGAs).
Through this integration, CRDB’s system is capable of instantly sending settlement and unapplied payment information to the Government's MUSE system immediately after processing a payment. This ensures seamless communication and real-time updates between the Bank and Government platforms.
• Quick Payments – Immediate processing and disbursement to beneficiaries
• Operational Efficiency – Reduces manual work and minimizes delays
• Real-Time Reconciliation – Accurate and instant financial updates to government systems
e-CIT – Cash Management Solution (Handled by Transactional Banking Unit)
The Transactional Banking Unit at CRDB Bank is responsible for managing the e-CIT (Electronic Cash-In-Transit) product — a smart cash management solution designed to enhance efficiency and security in handling large cash deposits for businesses.
• Digitally declare cash deposits before physically sending the funds to the bank.
• Receive value (credit) in their account either before or as soon as the cash is picked up by an approved Cash-In-Transit (CIT) service provider.
• Track the movement of cash in real-time, from their premises all the way to the bank, ensuring visibility and control at every stage.
Government Sweeping Solution
The Government Sweeping Solution is a centralized cash management service offered by CRDB Bank to support efficient fund consolidation and control across various Government accounts. This solution is particularly useful for Ministries, Departments, Agencies (MDAs), and Local Government Authorities (LGAs) managing multiple bank accounts under different revenue and expenditure streams.
Through this solution, CRDB enables automated sweeping (fund transfers) from multiple subordinate accounts into a single master or control account at BOT on predefined rules (e.g., balance thresholds, time schedules, or specific transaction types).
Automated Fund Consolidation – Scheduled or event-based sweeping from child to parent accounts.
Real-Time Visibility – Centralized view of all linked accounts and balances. Custom Rules & Flexibility – Sweeping rules can be tailored to the institution’s needs (e.g., daily sweep, balance triggers, etc.).
Compliance with Government Treasury Requirements – Supports directives for centralized revenue control and reporting.
Improved Cash Flow Management – Ensures idle funds are consolidated and optimized for government operations.
Enhanced Treasury Oversight – Centralizes control, improving transparency and accountability.
Operational Efficiency – Reduces manual interventions and risk of errors. Supports Budget Execution & Reporting – Real-time updates aid in accurate financial planning and reporting.
The TAUSI Transactional Banking product, in collaboration with TAMISEMI, provides a unified digital platform for individuals and businesses to access a wide range of government services with ease, transparency, and efficiency. This platform simplifies critical municipal services, especially for businesses, landowners, and citizens engaged in commercial and residential property transactions.
Business Licenses
- Apply for new business licenses
- Renew or terminate existing licenses
Specific Licenses
- Fishing vessel and fishing product licenses
- Hotel operation licenses
- Liquor licenses
Levy Payments
- Hotel levies
- Service levies
Building and Construction
- Apply for building permits
- Request Certificates of Occupancy
Property Tax
- Pay property taxes directly through the portal
Land and Housing
- Access information on available land plots
- Apply for land-related services
• House Rentals
- Submit rental applications
- Renew rental contracts
- Register rental properties
• Building and Construction
- Apply for building permits
- Request Certificates of Occupancy
• Property Tax
- Pay property taxes directly through the portal
• Land and Housing
- Access information on available land plots
- Apply for land-related services
• House Rentals
- Submit rental applications
- Renew rental contracts
- Register rental properties
• Register fishing vessels
• Apply for and manage fishing licenses
• Auctions
- Register and participate in government-approved auctions for land, property, and other assets
This integrated approach streamlines service delivery, promotes transparency, and supports digital transformation at the local government level.
CRDB Bank offers a powerful integration service that seamlessly connects customers’ internal ERP (Enterprise Resource Planning) systems with the bank’s Internet Banking platform. This Straight Through Processing (STP) solution enables businesses to automate financial operations, streamline transactions, and improve reconciliation processes — all from within their own systems.
• CRDB provides secure Bank APIs that allow customers to directly link their internal systems to the bank.
• Brings banking services into your business environment for increased operational efficiency and reduced manual intervention.
1. Salary Payments
- Automate bulk salary disbursements directly from your ERP system. 2. Cross-Border Transfers
- Initiate and manage international payments with ease and security.
3. Local Bank Transfers
- Process payments to accounts in other local banks without logging into external portals.
4. Mobile Wallet Transfers
- Send funds directly to mobile money platforms (e.g., M-Pesa, Airtel Money, Tigo Pesa).
5. Reconciliation Support
- Access MT 940 SWIFT-standard statements to automate and simplify bank reconciliation within your ERP system.
Efficiency – Reduced manual processes and double entries
Accuracy – Minimized errors with automated data exchange
Speed – Faster execution of financial operations
Security – API connectivity with high-level encryption and authentication Control – Real-time access and management of banking operations from within your ERP
CRDB’s ERP integration is ideal for corporates, government institutions, and large organizations that handle high transaction volumes and require robust, automated financial management tools.
The Transactional Banking Unit offers a comprehensive collection solution through CRDB Bank's digital channels by integrating directly with institutions, schools, and private sector organizations. This integration facilitates seamless and efficient payment collections via multiple platforms, including:
➢ Simbanking
➢ Internet Banking
➢ CRDB Wakala (Agents)
➢ CRDB Branches
➢ Mobile Network Operators (MNOs)
➢ Inbound payments from local and international banks
Through this solution, end-users can log in to any of the bank’s digital platforms using a Payment Reference generated by the institution’s system. Upon verification, users can make payments, which are then automatically updated in real-time to the institution’s ERP or internal system.
➢ Smooth Reconciliation – Automated payment updates reduce manual errors and improve financial accuracy.
➢ Real-Time Transaction Updates – Payments are instantly reflected on both the banks and institution’s systems.
➢ Enhanced Service Efficiency – Reduces waiting times and simplifies the payment process for both institutions and end-users.
The Transactional Banking Unit provides a comprehensive Government collection solution through CRDB Bank’s digital channels, seamlessly integrated with the Government Electronic Payment Gateway (GePG). This integration enables smooth, secure, and efficient collections for Government institutions via multiple access points, including:
• SimBanking
• Internet Banking
• CRDB Wakala (Agents)
• CRDB Branches
• Mobile Network Operators (MNOs)
• Inbound transfers from local and international banks
Citizens and service users can log in to any of CRDB’s digital platforms using a Control Number generated by the respective Government institution’s system. Upon verification, they can make the required payment, which is then instantly updated and reflected in the institution's ERP or financial system via GePG.
• Smooth Reconciliation – Automatic updates eliminate manual processing errors
• Real-Time Transaction Updates – Ensures instant reflection of payments in government systems
• Operational Efficiency – Enhances service delivery and reduces turnaround times
• Multi-Channel Convenience – Users can pay from anywhere, anytime, through their preferred digital platform
CRDB Bank, through its Transactional Banking Unit, has successfully integrated with the Government's MUSE (Mfumo wa Uhasibu Serikalini) and ERMS to streamline payments to suppliers, vendors, and staff within Central and Local Government Authorities (LGAs).
Through this integration, CRDB’s system is capable of instantly sending settlement and unapplied payment information to the Government's MUSE system immediately after processing a payment. This ensures seamless communication and real-time updates between the Bank and Government platforms.
• Quick Payments – Immediate processing and disbursement to beneficiaries
• Operational Efficiency – Reduces manual work and minimizes delays
• Real-Time Reconciliation – Accurate and instant financial updates to government systems
The Transactional Banking Unit at CRDB Bank is responsible for managing the e-CIT (Electronic Cash-In-Transit) product — a smart cash management solution designed to enhance efficiency and security in handling large cash deposits for businesses.
• Digitally declare cash deposits before physically sending the funds to the bank.
• Receive value (credit) in their account either before or as soon as the cash is picked up by an approved Cash-In-Transit (CIT) service provider.
• Track the movement of cash in real-time, from their premises all the way to the bank, ensuring visibility and control at every stage.
The Government Sweeping Solution is a centralized cash management service offered by CRDB Bank to support efficient fund consolidation and control across various Government accounts. This solution is particularly useful for Ministries, Departments, Agencies (MDAs), and Local Government Authorities (LGAs) managing multiple bank accounts under different revenue and expenditure streams.
Through this solution, CRDB enables automated sweeping (fund transfers) from multiple subordinate accounts into a single master or control account at BOT on predefined rules (e.g., balance thresholds, time schedules, or specific transaction types).
Automated Fund Consolidation – Scheduled or event-based sweeping from child to parent accounts.
Real-Time Visibility – Centralized view of all linked accounts and balances. Custom Rules & Flexibility – Sweeping rules can be tailored to the institution’s needs (e.g., daily sweep, balance triggers, etc.).
Compliance with Government Treasury Requirements – Supports directives for centralized revenue control and reporting.
Improved Cash Flow Management – Ensures idle funds are consolidated and optimized for government operations.
Enhanced Treasury Oversight – Centralizes control, improving transparency and accountability.
Operational Efficiency – Reduces manual interventions and risk of errors. Supports Budget Execution & Reporting – Real-time updates aid in accurate financial planning and reporting.
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