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.