Mtaji Nguzo · white-label
Your own supply chain finance operation, live, without building one.
The white-label is live in production as Natbizz, National Bank of Kenya’s own supply chain finance platform. It is the bank’s brand, the bank’s customers and the bank’s credit decisions; Mtaji is the software underneath. This page walks through how it is structured: the part a bank planning its own operation needs to see.
What the bank gets
A supply chain finance operation that is its own, on both sides of its corporate customers’ supply chains, without building the software or the credit intelligence first.
- Origination from relationships it already has
- The bank onboards its own anchors. Each anchor brings the suppliers it buys from and the distributors it sells to, so one corporate relationship opens both a supply-side and a buy-side program.
- Products configured to its own policy
- The product set a bank switches on is configuration. Supply-side products for suppliers waiting to be paid; buy-side facilities for distributors who need stock. Which of them runs, on what criteria, is the bank’s decision.
- Credit intelligence it did not have
- The M-Score assesses each SME on transaction quality, relationship strength and business fundamentals (what a supply chain already records) and feeds the bank’s decision as an input. The bank’s credit policy remains the decision.
- Its own asset, on its own book
- Programs originated this way are the bank’s assets, with the bank’s customer relationship, under the bank’s brand.
How the deployment is structured
Three layers, and it matters which is which.
The bank
Brand, customers, credit decisions.
The program is the bank’s product. The anchors are the bank’s corporate customers, the suppliers and distributors in those programs are the bank’s customers, and every credit decision is the bank’s, under its own policy and limits. The M-Score is an input to that decision and never a substitute for it.
The platform
The software underneath.
The Ankara Platform runs the programs (onboarding, instruments, pricing display, settlement workflow, the M-Score) configured to the bank’s product set and risk criteria, and operated by the bank’s people through the bank’s interface.
The footer
One fixed element.
Every white-label software surface carries a “Powered by Mtaji Technologies” line. It is a term of the model rather than a design choice.
The deployment itself, told as a case study: a bank’s own operation, and how yours would be structured.
The four objections, answered
These come up in every conversation and none of them has a slide answer.
- How long will it take to launch?
- Longer than joining the marketplace, because the work is real: your brand applied, your product set and criteria configured, and an integration at the depth you choose. We scope all three before you sign rather than after, and a shallower integration launches sooner than a deep one. What took longer than expected in our production deployment is part of the walkthrough, not something we leave out of it.
- Will it look like us?
- Yes, that is the point of the model. Theming is configuration rather than a development project, and your customer sees your bank on every screen. The one fixed element is the footer line above.
- Does it touch our core banking?
- It integrates with it, and the depth is your choice. A full integration connects your core banking or loan management system so that disbursement, repayment and limits run through your own systems. A lighter integration receives opportunities, returns decisions and confirms settlement through the rails you already have, and can deepen later.
- Who owns the data?
- Your customer data stays yours: the anchors, the suppliers and distributors in your programs, and the credit decisions you make about them. What Mtaji may see, and what it may aggregate across deployments, is a contractual position stated in the agreement rather than in a sales conversation. The hosting position is in the agreement and in the diligence pack, shared under a non-disclosure agreement.
In production today, as a bank’s own product
It is live in production as Natbizz, National Bank of Kenya’s own product. We walk you through how it was done: the branding, the configuration and the integration decisions, and how the same steps apply to your bank.
Next step
Tell us about your corporate franchise and your core banking stack, and we will scope the deployment before anyone signs anything.