The Kimisitu Mobile Banking Features are

a. Withdrawal to MPESA- members can make withdrawal from FOSA account to their MPESA.
b. MY Account- members can view details of their FOSA, BOSA, Loan Balance and Savings accounts
Loans- When customer selects Loans, they will be taken to a menu with four items namely.
o Loan Enquiries
o Loan requests
o Loan Application Status
o Loan repayment
o
c. Fund Transfer
i. When a customer selects Fund transfers, they will be required to select from
 Swift transfer (RTGS)
 Electronic Funds Transfer (EFT)
ii. The Fund transfer is segregated as follows:
a. Internal Transfer
• My Account – Member should be able to transfer to any savings account they have including shares.
• Other Account – member can transfer to other members savings account internally.
b. External – Member should see list of banks and enter beneficiary bank details.
• Member should be able to select beneficiary.
d. Deposits
When a customer selects Deposits, the Applications displays accounts options for the customer to deposit to
• FOSA
• Savings Account
• LUMPSUM
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e. PAYBILL - Customers have an option to pay using Pay bill functionality.
f. Change Password functionality-members can change their respective passwords.
g. Logout functionality-members have an option of logging out once they are done with using the App.