Clearer mobile money payments and more control for your team. • Mobile money charges are shown up front: customers see the charge and the total before they approve a payment, and what they'll actually receive on a withdrawal. • Defaults are now decided by your officers: mark a loan or credit sale as defaulted with a reason, and take it out of default when the customer catches up. • Checkout includes any extra credit or ID checks owed, so the amount matches the payment prompt. • Customers can switch off reminder SMS from their profile; staff can record the choice on the customer's record. Receipts and security codes still arrive. Also in this release: • A payment the company received but is still checking now shows as received, not failed. • Plans with no included checks show the allowance correctly on Plan and billing. • The credit score card explains when this month's check limit has been reached.

A fresh new look, and much more you can do from your phone. • New design across the app: clearer icons, easier forms and quick Record and Collect actions on the home screen. • SACCOs: manage shares, savings groups, member exits, standing orders and payroll check-off, governance meetings and the year-end close. • Credit sales: record sales, manage your catalog, collect payments and hand over goods, all in the app. • Loans: portfolio quality, loan search, approval tiers, plus close, write-off and restructure. • Customer app: pay what's overdue, view loan statements, and see your savings, shares and purchases. • Plan and billing: see how many credit checks and ID checks you've used this month, allow extra checks when you need them, and pay for your plan by card. • Yearly plans are now 15% off. • Not a customer yet? Find a SACCO or lender near you and ask them to call you back. Also in this release: • Clearer messages when something can't load, including when you're offline. • Improved sign-in with biometrics and password reset. • Many fixes to saving settings, reports and the company wallet.

This update makes payments and loans more reliable. • Payments are no longer recorded twice when your connection is slow. • Loan schedules show part-paid instalments and the correct amount due. • Bank transfer repayments keep their reference and transfer date. • Loan restructure previews now match the figures that are booked. • Signing out or switching company fully clears the previous company's data. • You are signed out cleanly when your session ends, instead of seeing repeated errors. • Dates and times are shown in your local time. • Fixes to the product catalogue, settings, adding clients and payment history. • General stability and security improvements.

Prograte now feels at home on iPhone. This release rebuilds the interface around Apple's design guidelines: • Navigation bars, titles and back buttons now follow iOS, with the back button showing the name of the screen you came from. • Apple's typography throughout, at the system's own sizes, spacing and weights. Amounts use tabular figures, so columns of money line up. • SF Symbols across the app, including a native tab bar. • Native controls — dates and list values are chosen with the iOS wheel picker, alerts and action sheets are the system ones, and switches, spinners, sliders and pull-to-refresh all match iOS. • Cards and grouped content adopt Apple's flat, rounded style instead of Material's raised panels. • Status messages now appear as a banner from the top of the screen, and can be swiped away. Also in this release: • The app now correctly appears as "Prograte" on your Home Screen. • The top bar no longer blends into the background in dark mode. • Home, Clients, Loans, Collateral and Sales headers now extend to the top of the screen. • Closed and written-off loans no longer show instalments as overdue, and their repayment schedules load correctly. • The credit check screen now presents the score in line with the rest of the report.

New in this version • Credit Check: instantly see a client's recommended maximum credit, a financial summary (total borrowed, repaid, and outstanding), and a repayment probability score before you lend. • Flexible payment collection: collect repayments via mobile money or bank transfer directly from the app. • Smarter subscriptions: get a clear prompt to renew when your plan expires, so you're never blocked mid-task. • iPad support and improved App Store compatibility. • Performance improvements, UI polish, and bug fixes across loans, clients, wallet, and reports. Thanks for using Prograte Finance! Have feedback? We'd love to hear from you.