SIIC: the operating system for small-business owners

A very-small-business owner in Côte d'Ivoire juggles a bank, an expense tool, an accountant, an HR firm, a lawyer for formalities and a web agency. SIIC, the Société Ivoirienne d'Investissement et de Crédit, wants to bring all of that into a single platform where the entrepreneur creates, finances, runs and grows the company.

The context

The difference does not come from one more financial feature, but from integration: the business plan must pre-fill with the real figures of the account, payroll must run from the account, the strategic diagnosis must read the month's cash position. That requires an architecture where every module shares the same data, without ever compromising isolation between client companies.

What we built

• The fintech layer: account and banking operations, cards and expenses, invoicing and pre-accounting.
• The services layer: outsourced HR and payroll, administrative management, company creation.
• The advisory layer: strategic support, business plan, digitalization and marketing.
• The cross-cutting blocks: dashboard, notifications, support, marketplace and assistant.
• Four web applications (website, business space, partner portal, administration) on about thirty microservices.

How we worked

We set invariants before writing a line of code: a double-entry ledger, integer amounts in cents, strict partitioning per company, role-based access and centralized configuration. Every feature ships with an end-to-end simulation, from the first transfer to the payslip, to check that the layers really talk to each other.

Technologies

Node.js microservices behind a gateway, MongoDB database, React web applications, reference data loaded at boot.

What we take away

A B2B platform stands on its invisible rules: the ledger, tenancy and access rights. Fixing them first, then building the modules, avoids rebuilding later. We detail this approach in our reports.