Cyclos
Cyclos is online banking software for microfinance institutions, local banks (in developing countries) and complementary currency systems like LETS, TD4W credits, barter networks and time banks.
It was developed by the Social Trade Organisation (STRO in Netherlands and Instrodi in Brazil).
Cyclos has the following functionality:
Online banking tools
E-commerce platform
Business directory
Referrals and transaction qualifications
Messaging and notification system
Call- and support-center logging
Integrated management information system
Cyclos can be accessed through the web but also supports mobile phones and point of sale devices. Enabling SMS and card payments.
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