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Orkids

RURAL BANKING + MICROFINANCE · PHILIPPINES

Custom core banking and lending systems for Philippine rural banks and microfinance institutions.

Member ledgers, loan origination, BSP and CIC reporting, and an examiner-ready audit trail — one system the bank owns outright, not a per-account SaaS licence priced offshore.

Oradian and Mambu bill per active account, Temenos was built for tier-1 banks, and your rural bank still assembles its BSP and CIC reporting pack by hand in Excel every quarter.

What this costs you today

Pricing is per active account, not per rural bank.

Oradian and Mambu bill by active loan or deposit account, so a single-province rural bank pays a portfolio-scaled fee for software it never fully uses. The margin goes to the licence.

BSP and CIC reporting is rebuilt by hand each quarter.

FRP returns, CIC contributions, and BSP circular updates are assembled in Excel from core-system exports, because the shrink-wrapped system does not produce the local report formats your examiner expects.

The lending workflow leaves no audit trail.

Origination, credit approval, release, and collection move across paper, spreadsheets, and chat, so there is no tamper-evident record an internal auditor or BSP examiner can follow end to end.

WHO YOU’RE QUOTING TODAY

The incumbents — and what they quote.

  • OradianPer active-account cloud SaaS, ongoing monthly fee
  • MambuPer active-account cloud SaaS, scales with portfolio
  • Temenos (T24 / Transact)Tier-1 enterprise licence + multi-year integrator engagement
  • FinastraEnterprise core-banking licence + implementation partner
  • LoanDiskPer-branch lending SaaS, monthly subscription (indicative)
  • HES FinTechCustom lending-system licence + implementation (indicative)

No rural-bank or microfinance receipt is closed yet — we will not imply one. The same methodology that shipped a top-ranked Philippine hospital's audit-grade HIS in 3 weeks and the Cebu Distribution Platform in 3 weeks is what we would bring to your member ledger, loan book, and BSP reporting. Read how we ship before you decide.

BY THE NUMBERS

100%Source code owned at cutoverOrkids engagement model
30–50%of SAP, Salesforce, NetSuite and Acumatica first-year costPublic PH licensing benchmarks
30Industries with custom buildsIndustry research, 2026
1Named founder. The architect stays anonymous.Decision log 2026-06-03

Sources: Orkids internal pricing data, public vendor PH licensing benchmarks. Figures reflect one-time build cost ranges; ongoing support is optional and separately priced.

THE RECEIPT

What Banking operators are quoted today — and what we build for.

  • OradianPer active-account cloud SaaS, ongoing monthly fee
  • MambuPer active-account cloud SaaS, scales with portfolio
  • Temenos (T24 / Transact)Tier-1 enterprise licence + multi-year integrator engagement
  • FinastraEnterprise core-banking licence + implementation partner
  • LoanDiskPer-branch lending SaaS, monthly subscription (indicative)
  • HES FinTechCustom lending-system licence + implementation (indicative)
  • OrkidsOne fixed build fee · ₱50K–250K/mo optional, no lock-in

    Typically 30–50% of what the vendors above quote you. You own the code at cutover.

No rural-bank or microfinance receipt is closed yet — we will not imply one. The same methodology that shipped a top-ranked Philippine hospital's audit-grade HIS in 3 weeks and the Cebu Distribution Platform in 3 weeks is what we would bring to your member ledger, loan book, and BSP reporting. Read how we ship before you decide.

Competitor figures are indicative ranges from published list prices and Philippine tender data, shown for comparison only.

BUILD MODULES · 5 OF 16

The modules a Banking operation runs on.

All 16 modules are available. Talk to a founder about the full scope.

We replace. We build. We optimize.

Replace

Scoped enterprise modules in 2–3 weeks at 10–30% of leading-ERP cost. ₱3M at a top-ranked Philippine private hospital beat ₱15M–₱50M Oracle/Epic proposals for comparable scope.

Read the receipt →

Build

AI-powered systems where none exist. An Enterprise B2B Provider's CRM with auto-dispatch shipped in 3 weeks for ₱350K versus ₱3M–₱5M Salesforce implementation alone.

Read the receipt →

Optimize

Infrastructure you already run. Cut a Manila Financial Group's Google Cloud spend ~41% — ~₱70M annual savings.

Read the receipt →

Every line of code we write is yours at cutover. No license. No annual increase. No lock-in.

HOW WE WORK WITH YOU

Your operations team talks to us directly in their language. No translator. No 2-day email chain.

Your account manager sits in Cebu and joins your standups — English, Cebuano, or Tagalog. Senior architecture, AI-assisted build, human review. Custom-built for your business, not shrink-wrapped.

Questions buyers ask.

Yes. FRP returns, CIC contributions, and BSP circular formats are generated directly from the core ledger, not rebuilt in Excel from system exports each quarter.

We map the exact report formats your examiner expects during scoping, so the output matches the submission — Orkids builds the system, it does not act as your regulatory adviser.

No. The system is a one-time build the bank owns outright, with no per-account, per-loan, or per-member licence fee.

Your member and loan data stays in your own cloud or on-premise environment — not a vendor's multi-tenant database that prices you by portfolio size.

Yes. Origination, credit scoring, approval, release, amortisation, and collection run in one workflow with a tamper-evident audit trail an examiner can follow.

Loan products, interest methods, and penalty rules are modelled from your actual manual of operations, not a generic template ported from another market.

Yes. We integrate with your core via its API or files, or replace it entirely — your choice, scoped on the first call.

Most rural banks keep their deposit core and let us replace the lending and reporting layer on top of it first, then revisit the core later.

A scoped member-ledger-and-reporting build of comparable surface area to our receipts ships in 2–3 weeks; larger multi-branch scopes take longer and we say so.

Clean, reconciled balances migrated out of Excel are usually the fastest, highest-relief thing we deliver. We have never missed a stated date.

Related pages

Orkids is a Philippine AI engineering firm that builds custom, agent-native operations software for Philippine enterprises — owned outright, with source code on day one — replacing SAP, Salesforce, Oracle, and Odoo in two to three weeks at ten to thirty percent of leading-ERP cost.

Before you sign that quote, talk to a founder.

30-minute fit call. Free prototype if we agree on scope. No procurement loop.

Book a 30-minute core banking systems reviewhello@orkids.ph