The onboarding flow is flexible, letting each cooperative define its own membership requirements within the Parkway Wallet app. Users select the Co-op option, browse available cooperatives, and review details before joining. They then complete required forms, accept bylaws, and provide an e-signature. Some cooperatives may also require a membership fee. After submission and any required payment, users gain access to the cooperative dashboard and services.
After onboarding, members can view their cooperative passport, view all services the cooperative offers, and create a savings plan directly from their dashboard in a simple, guided flow. Users choose a savings frequency (daily, weekly, or monthly), select an amount according to cooperative rules, enable auto-savings, choose a payment method, and confirm their savings setup with their transaction PIN. The experience was designed to make cooperative savings simple, flexible, and easy to manage across different cooperative structures and member preferences.
The loan experience was designed to make cooperative loan requests simple, transparent, and easy to manage. Eligible members can request loans, review repayment details, and view repayment schedules before submission. Once approved, they can track repayments, monitor balances, and stay updated on loan activity from their dashboard. The goal was to reduce confusion, improve visibility, and create a smoother loan management process for both members and cooperative admins.
Equity contributions were a key requirement for many cooperatives, as they wanted members to actively own shares within the association. To support this, the platform allows members to contribute toward equity directly from their dashboard while giving admins clear visibility into contribution records and ownership activity.
To make cooperative payments more accessible and convenient, the app supports multiple payment methods rather than limiting members to a single option. Members can make contributions using their Parkway Wallet balance, linked bank accounts, bank transfers, cash agents, and upcoming USSD support. This flexibility allows members to choose the payment method that works best for them, creating a smoother contribution experience for users with different needs and financial situations.
