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The Azure Financial Services platform ecosystem

Azure Pay is the technology arm of the Azure Financial Services ecosystem, which includes platforms addressing microfinance, core banking, investment operations, credit intelligence, payments and SME funding.

Seven platforms. Room to connect.

The ecosystem is designed to support individual operational needs while creating opportunities for connected workflows across financial services.

Platform suitability, availability and integration options should be discussed with our team.

7Platforms
6Areas of finance
1Technology partner
Azure Paytechnology arm SmartPlusSmrtCoreInvestPlusSmartScorePaymentGateCapitalQMarko

Explore the platforms

S+

SmartPlus

Digital workflows for microfinance and community banking

SmartPlus is a microfinance portal designed to support loan origination and customer-facing financial services.

Its described scope includes lending workflows, wallet functions, grocery credit, cashback and community banking services. It is intended for organisations exploring digital ways to administer microfinance products and engage customers.

Enquire About SmartPlus
SC

SmrtCore

Core banking for microfinance institutions

SmrtCore is a multi-tenant core banking platform designed for microfinance operations.

Its described scope includes general ledger functionality, multi-branch administration, expected credit loss calculations and payroll deduction workflows. It provides a foundation for discussing how an institution’s account records, lending processes and financial administration can work together.

Enquire About SmrtCore
IP

InvestPlus

Tools for brokerage operations and portfolio analysis

InvestPlus is a platform focused on securities brokerage operations in the Zambian market.

Its described scope includes portfolio analytics, broker intelligence and commission management, supporting the information needs of teams overseeing investment activity and brokerage administration.

Enquire About InvestPlus
SS

SmartScore / Vocado Intelligence

Credit assessment and lender connectivity

SmartScore / Vocado Intelligence is a credit intelligence platform designed to bring credit data, scoring and lender access into a connected environment.

Its described scope includes data aggregation, credit scoring and API-based enquiries. Organisations can speak with our team about intended use cases, available data connections and integration requirements.

Enquire About Credit Intelligence
PG

PaymentGate

Connected payment channels and collections

PaymentGate is a payment gateway platform designed to support collections through mobile money and card payment channels.

Its described scope includes payment processing connections, collections, settlement and reconciliation workflows. Implementation requirements depend on the relevant payment providers and the systems being connected.

Enquire About PaymentGate
CQ

CapitalQ

Connecting SMEs with potential investors

CapitalQ is a capital marketplace designed to connect growing businesses with institutional and retail investors.

The platform concept addresses the relationship between businesses seeking capital and investors exploring opportunities. Speak with our team about its availability, participation requirements and intended operating model.

Enquire About CapitalQ
M

Marko

AI assistance across platform operations

Marko is an AI operating assistant designed to support users across the platform ecosystem.

Its described scope includes proactive alerts, action tools and business insights that help users identify information requiring attention and navigate operational tasks.

Enquire About Marko

Find the right platform for your requirements

Share your organisation’s workflows, existing systems and intended use case. Our team can help clarify which platform may be relevant and what configuration or integration work would be required.

Discuss Platform Options