Mobile App Overview
What is Coop-Finance Mobile?
Coop-Finance Mobile is a comprehensive mobile application designed for cooperative members to access their financial information, manage their accounts, and perform various cooperative-related activities on the go. The app provides a secure, user-friendly interface optimized for mobile devices.
Key Features:
- Real-time account balance and transaction history
- Personal, Christmas, and business loan tracking
- Surety analysis and guarantor information
- Share capital management
- Profile management with photo upload
- Payment information and bank details
- News and announcements
- Offline functionality with PWA support
System Requirements
Device Requirements:
- • Smartphone or tablet (iOS/Android)
- • Modern web browser (Chrome, Safari, Firefox)
- • Internet connection (3G/4G/WiFi)
- • Minimum screen resolution: 360px width
- • JavaScript enabled
Access Requirements:
- • Valid cooperative membership
- • Registered email address
- • Active mobile subscription
- • 4-digit security PIN
Getting Started
Register Account
Verify your membership and create your mobile account with a secure PIN.
Purchase Subscription
Choose and pay for your mobile app subscription plan to unlock full features.
Access Dashboard
Sign in and explore all available features from your mobile dashboard.
Installation Options
Progressive Web App (PWA):
- Open your mobile browser and navigate to the app URL
- Tap the browser menu (three dots or share icon)
- Select "Add to Home Screen" or "Install App"
- Confirm installation to add the app to your home screen
- Launch the app directly from your home screen
- Enjoy native app-like experience with offline capabilities
Authentication & Security
Account Registration
New members must verify their cooperative membership and create a secure mobile account before accessing the application.
Registration Process:
- Click "Register your online access" on the login page
- Enter your registered email address
- Provide your member ID (assign ID number)
- Verify membership details with the system
- Check your email for verification code
- Enter the 6-digit verification code
- Create a secure 4-digit PIN
- Confirm your PIN and complete registration
Login Process
Existing users can quickly access their accounts using their registered credentials and PIN.
Login Options:
- • Email address + 4-digit PIN
- • Phone number + 4-digit PIN
Security Features:
- • 4-digit PIN authentication
- • Email verification for registration
- • Session management and auto-logout
- • Secure password reset functionality
- • Firebase authentication backend
PIN Reset:
If you forget your PIN, use "Forgot PIN?" on the login page to reset it securely using your email and member ID.
Member Dashboard
Dashboard Overview
The main dashboard provides a comprehensive overview of your cooperative account with real-time data and quick access to all major functions.
Key Components:
- Personal profile with photo display
- Total savings balance with visibility toggle
- Net balance calculation (savings minus loans)
- Recent transaction history
- Quick action menu for all features
Quick Actions Menu
Access all major features through the intuitive quick actions grid on your dashboard.
Savings
Loans
Christmas
Surety
Shares
Payment
Balance Display Features:
- • Toggle balance visibility with eye icon
- • Real-time balance calculations
- • Automatic net balance computation
- • Color-coded balance indicators
Savings Management
Features Overview
View your complete savings history with detailed transaction records, yearly summaries, and balance calculations.
Account Information
- Total savings balance display
- Share capital tracking
- Monthly contribution amounts
- Balance trend analysis
Transaction History
- Complete transaction timeline
- Year-by-year filtering
- Opening and closing balances
- Detailed transaction records
How to Use Savings Features:
- Access "Savings" from the dashboard quick actions
- View your total savings balance with visibility toggle
- Check share capital and monthly contribution details
- Navigate between years using the year selector
- Review balance summary (opening, movement, closing)
- Browse detailed transaction history chronologically
- Use "All Time" view to see complete transaction history
- Monitor your savings growth patterns over time
Balance Calculation
Your total savings balance is calculated chronologically from all transactions. The system processes credits (deposits) and debits (withdrawals) in order to provide accurate running balances.
Personal Loan Management
Personal Loan Tracking
Monitor your personal loans with detailed payment history, balance tracking, and guarantor information.
Loan Overview
- • Principal amount tracking
- • Outstanding balance calculation
- • Repayment progress visualization
- • Interest rate and term details
- • Monthly installment amounts
Payment History
- • Complete transaction timeline
- • Payment dates and amounts
- • Running balance calculations
- • Loan disbursement records
- • Progress tracking indicators
Emergency Contact
For critical issues or urgent cooperative matters:
Contact: Your cooperative leadership
Support: info@janalytics.com.ng
Available during business hours (9 AM - 5 PM)
Personal Loan Management Workflow:
- Navigate to "Loans" from the dashboard
- View loan statistics (total, active, liquidated)
- Browse loan history sorted by most recent first
- Click "View Details" on any loan for expanded information
- Review loan terms, guarantors, and payment history
- Monitor repayment progress with visual indicators
- Track interest rates and monthly installments
- Check guarantor names and co-signer information
Loan Balance Calculation
Loan balances are calculated from disbursement and payment transactions. The system processes debits (loan disbursements) and credits (payments) chronologically to maintain accurate running balances.
Christmas Loan Management
Seasonal Loan Program
Manage your Christmas loans with specialized tracking for seasonal lending programs and holiday financial planning.
Christmas Loan Features
- Seasonal loan tracking and management
- Holiday-specific loan terms
- Guarantor requirements and tracking
- Special interest rates for Christmas loans
- Flexible repayment schedules
Loan Statistics
- Total Christmas loans taken
- Active Christmas loan count
- Liquidated Christmas loans
- Outstanding balance tracking
- Complete payment history
Christmas Loan Operations:
Accessing Christmas Loans:
- Navigate to "Christmas" from the dashboard quick actions
- View your Christmas loan statistics and summary
- Browse Christmas loan history sorted by date
- Expand loan details to see complete information
- Monitor repayment progress and remaining balance
- Review guarantor information and loan terms
Loan Information Display:
- Principal amount and current balance
- Interest rate and processing fees
- Monthly installment amounts
- Guarantor names and contact information
- Complete transaction history with dates
Christmas Loan Benefits
Christmas loans are designed to help members prepare for holiday expenses with favorable terms and flexible repayment options. These seasonal loans typically have lower interest rates and extended payment periods.
Surety Analysis
Guarantor Risk Assessment
Analyze your guarantor obligations and risk exposure for loans you've guaranteed for other members.
Risk Assessment
- Total guarantor exposure calculation
- Actual exposure (loan minus borrower savings)
- Risk level categorization
- Co-guarantor identification
- Loan repayment progress monitoring
Guaranteed Loans
- Complete list of guaranteed loans
- Borrower information and contact details
- Loan amounts and current balances
- Loan issue dates and terms
- Risk indicators and warnings
Surety Analysis Features:
- Access "Surety" from the dashboard to view guarantor obligations
- Review total guarantees, active loans, and total exposure
- Examine individual guaranteed loans with detailed information
- Check borrower savings to calculate actual risk exposure
- Monitor loan repayment progress and status
- Identify co-guarantors for shared risk assessment
- Review risk levels (low, medium, high) based on exposure
- Track loan types (Personal, Christmas, Business loans)
Understanding Exposure
Your actual exposure is calculated as the outstanding loan balance minus the borrower's current savings. This gives you a realistic view of potential financial risk if the borrower defaults.
Profile Management
Personal Information
View and manage your personal profile information, including photo upload and contact details.
Profile Information
- Full name and member ID display
- Email address information
- Phone number details
- Date of birth and registration
- Occupation information
- Membership status display
Photo Management
- Passport photo upload capability
- Image compression and optimization
- Secure cloud storage integration
- Real-time profile photo updates
- Secure file upload processing
- Upload success confirmation
Profile Management Features:
Viewing Profile Information:
- Access "Profile" from the dashboard quick actions
- View your complete personal information
- Check contact details and membership status
- Review occupation and registration information
Photo Upload Process:
- Select "Choose File" to pick an image from your device
- Preview the selected image before upload
- Click "Upload New Photo" to start the upload process
- Wait for compression and upload completion
- Receive confirmation of successful upload
- View updated profile photo across the application
Photo Upload Requirements
Profile photos must be image files (JPG, PNG) under 5MB in size. The system automatically compresses images to optimize storage and loading performance while maintaining quality.
Mobile App Subscription
Subscription Management
Manage your mobile app subscription to unlock full access to all features and services.
Quarterly Plan
- • Complete mobile app access
- • Real-time data sync
- • Cloud backup & restore
- • Full reporting features
- • Priority support
Biannual Plan
- • Complete mobile app access
- • Real-time data sync
- • Cloud backup & restore
- • Full reporting features
- • Priority support
Annual Plan
- • Complete mobile app access
- • Real-time data sync
- • Cloud backup & restore
- • Full reporting features
- • Priority support
Subscription Process:
- New users are redirected to subscription page after registration
- Select your preferred subscription plan (Quarterly, Biannual, or Annual)
- Click "Subscribe Now" to initiate Paystack payment
- Complete payment using your preferred method (card, bank transfer, USSD)
- Receive payment confirmation and subscription activation
- Access full dashboard features with active subscription
- Monitor subscription status and remaining time in the app
- Renew subscription before expiry to maintain access
Payment Features
- • Secure Paystack payment processing
- • Multiple payment methods supported
- • Automatic subscription activation
- • Real-time payment verification
- • Transaction history tracking
Subscription Benefits
- • Full mobile app functionality
- • Real-time data synchronization
- • Secure cloud data backup
- • Advanced reporting capabilities
- • Priority customer support
Subscription Management
Your subscription status is monitored in real-time. Users with active subscriptions access the full dashboard, while those without active subscriptions are directed to the subscription page to purchase or renew their plan.
Troubleshooting Guide
Common Issues
Login Problems
Check credentials, PIN accuracy, and internet connection
Data Not Loading
Verify internet connection and refresh the page
Subscription Issues
Check subscription status and payment history
Photo Upload Failing
Ensure image is under 5MB and try again
Best Practices
- Use stable internet connection (WiFi preferred)
- Keep app updated by refreshing browser
- Maintain active subscription for full access
- Log out properly when finished
- Monitor session timeouts
- Allow data to load completely
Troubleshooting Steps:
General Troubleshooting:
- Check your internet connection and signal strength
- Refresh the browser page or restart the app
- Clear browser cache and cookies if necessary
- Verify your subscription is active and not expired
- Try logging out and logging back in
- Check if your device date and time are correct
- Disable browser extensions that might interfere
- Try using a different browser if issues persist
PWA Installation Issues:
- Ensure you're using a supported browser (Chrome, Safari, Firefox)
- Check if "Add to Home Screen" option appears in browser menu
- Allow notifications and permissions when prompted
- Verify sufficient storage space on your device
Contact Support
Email: info@janalytics.com.ng
Phone: 08134882164
Technical Support
Include in your support request:
• Your member ID
• Device type and browser
• Specific error messages
• Steps you've already tried
System Status
Check system status:
• Firebase services operational
• Payment system availability
• Network connectivity
• Subscription service status
Additional Features
Payment Information
Access official bank account details for making payments and contributions to your cooperative account.
Bank Accounts:
Primary Bank: [Account Number]
[Cooperative Name]
Secondary Bank: [Account Number]
[Cooperative Name]
- • Copy bank details with one click
- • View payment instructions and guidelines
- • Access contact support for payment issues
- • Security warnings for safe transactions
News & Support
Stay updated with cooperative announcements and access comprehensive support resources.
News Features:
- • Latest cooperative announcements
- • Grouped by year for easy navigation
- • Priority levels (High, Medium, Low)
- • Load more functionality for older news
Support Options:
- • Multiple contact methods available
- • Direct calling and WhatsApp integration
- • Email templates for support requests
- • Copy contact details functionality
PWA & Offline Features
Progressive Web App Benefits
The mobile app is built as a Progressive Web App (PWA) providing native app-like experience with enhanced offline capabilities.
Offline Access
- Cached data for offline viewing
- Profile information available offline
- Transaction history caching
- Contact information access
Installation
- Add to home screen option
- Native app-like experience
- Full-screen mode support
- Push notification capabilities
Performance
- Fast loading with service workers
- Background data synchronization
- Optimized image compression
- Efficient resource caching
Offline Functionality:
Available Offline:
- View your profile information and contact details
- Check account balances (last synced data)
- Browse transaction history and loan information
- Access payment information and bank details
- View cooperative contact information
- Review cached news and announcements
Requires Internet Connection:
- Real-time balance updates and new transactions
- Photo uploads and profile modifications
- Subscription payments and status checks
- Latest news and announcements
- Support ticket submissions
Offline Sync
When your internet connection is restored, the app automatically synchronizes with the server to fetch the latest data and updates. Any cached information is refreshed to ensure accuracy.
Security & Privacy
Data Security
Your financial data and personal information are protected with enterprise-grade security measures.
Security Features:
- • Firebase Authentication and Firestore security rules
- • Encrypted data transmission (HTTPS/SSL)
- • Secure PIN-based authentication
- • Session timeout and automatic logout
- • Role-based access control
- • Secure file upload and storage
Best Security Practices:
- • Use a unique, secure 4-digit PIN
- • Never share your login credentials
- • Log out when finished using the app
- • Use secure, private internet connections
- • Keep your device and browser updated
Privacy Protection
We are committed to protecting your privacy and ensuring your personal information remains secure and confidential.
Data Handling:
- • Personal data encrypted at rest and in transit
- • Minimal data collection - only what's necessary
- • No sharing of personal data with third parties
- • Secure cloud storage with Google Firebase
- • Regular security audits and updates
- • Compliance with data protection standards
Your Privacy Rights:
- • Access your personal data
- • Request data corrections
- • Control photo and profile visibility
- • Contact support for privacy concerns
- • Understand how your data is used
Security Notice
Always access the app through official channels. Be cautious of phishing attempts or unofficial apps claiming to be associated with your cooperative. When in doubt, contact support for verification.
Technical Architecture
System Overview
Coop-Finance Mobile is built on modern web technologies with cloud-based infrastructure for reliability, scalability, and security.
Frontend Technologies
- • Progressive Web App (PWA)
- • Responsive mobile-first design
- • Service Worker for offline support
- • Modern JavaScript (ES6+)
- • Tailwind CSS for styling
- • Font Awesome for icons
Backend Infrastructure
- • Google Firebase Platform
- • Firestore NoSQL Database
- • Firebase Authentication
- • Cloud Functions for processing
- • Firebase Storage for files
- • Real-time data synchronization
Integration Services
- • Paystack payment processing
- • EmailJS for notifications
- • WhatsApp integration
- • SMS notification support
- • Email verification services
- • Contact management APIs
Performance Optimization
The application uses efficient data queries, caching strategies, and lazy loading to ensure fast performance even on slower network connections. Service workers provide instant loading for cached content.