ACTiVO Suite is a modular fintech SaaS platform developed by Meta Mates Group to serve cooperative banks, NBFCs, chit fund companies, and small financial institutions across India and the GCC region.

The Problem We Solve Cooperative and small-scale financial institutions still rely on manual ledgers, fragmented Excel workflows, or outdated desktop software. Enterprise core banking systems are unaffordable for them. ACTiVO Suite bridges this gap with a purpose-built, cloud-native, mobile-first platform.

Modules

• ChitsPro — End-to-end chit fund management: subscriber onboarding, auction handling, prized amount disbursement, dividend calculation, default tracking, and statutory compliance reporting
• Loan Recovery — Loan lifecycle management with automated EMI tracking, recovery workflows, field agent mobile app, and analytics-driven delinquency management
• Deposit — Recurring deposit, fixed deposit, and savings management with interest computation, maturity tracking, and member portals
• MDS (Micro Daily Savings) — Daily collection management for agents, with mobile receipt generation, route optimisation, and real-time reconciliation

Key Capabilities

• Multi-tenant SaaS architecture with isolated data per institution
• Role-based access control and audit trails
• SMS and WhatsApp customer engagement
• Regulatory and statutory reporting
• API-ready for integration with payment gateways, KYC services, and accounting systems
• Cloud-hosted with enterprise-grade security

Target Markets

• All India: Kerala, Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, and pan-India cooperative banking sector
• GCC: Qatar, UAE, KSA, Oman — serving expat-driven financial services and savings groups

Differentiation Unlike generic ERP or banking software, ACTiVO Suite is purpose-built for the cooperative banking and chit fund segment, priced for affordability, and designed with the operational realities of regional financial institutions in mind.