Knowledge Base - FiCore Africa

How to Use FiCore

Learn how to use FiCore Africa's powerful features

Note: FiCore Africa is now a mobile app! Download from Google Play Store for the best experience. This web dashboard is for admin and reporting purposes only.

Articles

Read useful business articles in plain language

If you want deeper explanations beyond quick help, explore our growing article library for bookkeeping, budgeting, utility spending, business records, and SME money discipline.

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Offline-Capable Bookkeeping

Best Offline-Capable Bookkeeping App in Nigeria

Why weak internet should not stop your records from moving.

Bookkeeping

Best Bookkeeping App for Small Business in Nigeria

What really matters when a bookkeeping app must fit daily SME life.

Download Guide

Download FiCore the Official Way

Why the Play Store route is lighter, safer, and better for trust.

Quick Fixes

Common issues solved in seconds

No Transactions?

Dashboard is empty

Fix: Tap "+" button → Record your first sale or expense

Can't See Account Number?

Wallet not showing details

Fix: Profile → Verify Identity → Submit ID

Forgot Password?

Can't log in

Fix: Login screen → "Forgot Password" → Check email

What are FC Credits?

Understanding your balance

Learn: View Guide

Getting Started

New to FiCore? Start here! Learn the basics in 5 minutes.

Welcome to FiCore Africa

Complete 5-minute setup guide for new users. Learn how to create your account, record your first transaction, and generate your first report.

5 minutes Beginner Friendly Start Here

Quick Start Guides

Master FiCore's key features in minutes

Voice Entry

10-second bookkeeping - Record sales by speaking

Wallet & VAS

Automated expense tracking for airtime & bills

Reports & Tax

Professional financial reports in one tap

Core Concepts

Understand the fundamentals of smart business management

DIICE Method

Master the 5-step framework: Debtor, Income, Inventory, Creditor, and Expenses

Liquidity Management

Understand your business wallet and avoid the commingling trap

Tax Compliance

Stay compliant with automated tax-ready reports and financial statements

Working with FiCore Agents

How to get help safely when someone introduces FiCore to your business.

Agent Help and Safety

FiCore Agents may help you understand FiCore, download the app, complete setup, and learn the basics. They should never ask for private login or wallet details.

Verify identity Protect your account No OTP sharing

What is DIICE?

DIICE is FiCore's 5-step framework for complete business financial management: Debtor, Income, Inventory, Creditor, and Expenses. Master these 5 areas, and you'll have full control over your business finances.

The 5 Steps of DIICE

1. Debtor (Accounts Receivable)

Track who owes you money. Record credit sales and monitor payments.

Example: Musa sold ₦50,000 worth of goods to a customer on credit. FiCore tracks this debt until payment is received.

2. Income (Revenue)

Record all money coming into your business from sales and services.

Example: Aisha sold 20 bags of rice for ₦200,000. FiCore records this as income and categorizes it automatically.

3. Inventory (Stock Management)

Track what you have in stock, what you've sold, and what you need to reorder.

Example: Fatima has 50 phones in stock. When she sells 5, FiCore automatically updates inventory to 45 and records the cost of goods sold.

4. Creditor (Accounts Payable)

Track who you owe money to. Record purchases on credit and monitor payment deadlines.

Example: Ibrahim bought ₦100,000 worth of inventory from a supplier on credit. FiCore tracks this debt and reminds him when payment is due.

5. Expenses (Operating Costs)

Track all money going out of your business for rent, utilities, salaries, and supplies.

Example: Halima paid ₦5,000 for electricity. FiCore records this as a utility expense and categorizes it for tax reporting.

Why DIICE Works

By managing all 5 areas, you get a complete picture of your business health. You'll know exactly how much money you have, how much you're owed, how much you owe, and where your money is going. This is the foundation of smart business decisions.

Save 10 Hours Per Month

With automated DIICE tracking, you'll spend less time on bookkeeping and more time growing your business.

Pro Tip

Start with Income and Expenses first. Once you're comfortable, add Inventory tracking. Finally, manage Debtors and Creditors for complete financial control.

The Business Wallet Philosophy

FiCore's wallet is designed as your Business Spending Account. When money is in the FiCore wallet, it's "Business Money" by default. This psychological and technical barrier is what makes automated bookkeeping possible.

The #1 Problem: Commingling

Before FiCore

❌ Business and personal money mixed

❌ Can't tell profit from personal spending

❌ Tax reports are guesswork

❌ Banks reject loan applications

With FiCore

✅ Business money stays separate

✅ Clear profit calculation

✅ Accurate tax reports

✅ Bank-ready financial statements

4 Key Benefits

Automated Tracking

Buy airtime, data, or pay bills via FiCore wallet. Every transaction is automatically recorded as an expense.

Clear Separation

Business funds stay in FiCore wallet. Personal funds stay in your personal bank account. No mixing!

Easy Reconciliation

All wallet transactions are tracked. Reconcile your books in seconds, not hours.

Tax-Ready

Generate tax reports instantly. All wallet expenses are categorized and ready for filing.

How It Works

Deposit Business Funds

Transfer money from your bank account to FiCore wallet. This is now "Business Money".

Spend via FiCore

Buy airtime, data, pay bills. FiCore automatically records each expense.

Track Automatically

No manual entry needed. FiCore knows what you bought and categorizes it.

Generate Reports

One-tap export of all wallet transactions for tax filing or business analysis.

Success Story

A shop owner in Kaduna used to mix business and personal money. After switching to FiCore wallet, she discovered she was spending ₦50,000/month on personal items from business funds. She now saves that money and reinvests it in inventory!

Pro Tip

Use FiCore wallet exclusively for business expenses. This makes your financial reports crystal clear and helps you qualify for better loan terms.

Good News for Small Businesses!

If your annual revenue is ₦100M or less, you're tax-exempt (zero Company Income Tax). But you still need proper records to prove your exemption status. FiCore makes this effortless!

4 Ways FiCore Keeps You Compliant

Automated Categorization

Every transaction is automatically categorized for tax purposes. No manual sorting needed!

One-Tap Reports

Generate professional financial reports in seconds. Perfect for tax filing or audits.

Audit-Ready Records

All transactions are timestamped and immutable. Your records are always audit-ready.

Export Flexibility

Export reports as PDF or CSV. Share via WhatsApp, email, or print for filing.

4 Key Financial Reports

What it shows: Total income, total expenses, and net profit for a specific period.

Why you need it: Shows if your business is profitable. Essential for tax filing and business decisions.

What it shows: Assets, liabilities, and owner's equity at a specific point in time.

Why you need it: Required for bank loan applications. Shows your business's financial health.

What it shows: Money coming in and going out of your business.

Why you need it: Helps you manage liquidity and avoid cash shortages.

What it shows: All income and expenses categorized for tax purposes.

Why you need it: Makes tax filing simple. Just hand it to your accountant or file yourself.

Entry Tagging

Tag entries as "Business" or "Personal" to separate business expenses from personal spending. This keeps your P&L accurate and helps you qualify for better loan terms.

Bank-Ready Reports

FiCore reports are acceptable by Nigerian financial institutions for loan applications. No modifications needed!

Pro Tip

Generate your P&L report monthly, even if you're tax-exempt. This habit makes you "Bank-Ready" for low-interest loans and helps you spot business trends early.

Bookkeeping Made Easy for Nigerian SMEs

Join thousands of traders, shop owners, and entrepreneurs who've ditched pen-and-paper for smart, automated bookkeeping.

Why Choose FiCore?

10-Second Voice Entry - Speak, don't type

Hausa & Pidgin Support - Your language

Offline-Capable - Works well in weak network conditions

Automated Tracking - Buy airtime, track expenses

Tax-Ready Reports - One-tap export

Bank-Ready Statements - Loan applications

Get Started in 5 Minutes

Download the App

Get FiCore from Google Play Store. Search for "FiCore Africa" or visit our website.

Time: 1 minute

Create Your Account

Time: 2 minutes

Understand Your Home Screen

You'll see two main sections: "This Month Records" (showing Income/Expense amounts) and "My Wallet" (with icon buttons for wallet actions). Below that are Utilities (Buy Airtime, Data, Electricity).

Tip: Wallet buttons are icons only to save space

Record Your First Transaction

Tap the blue "Income" button or brown "Expense" button (always visible on home screen). Fill in amount, category, and description. Tap Save.

Time: 10 seconds

Enable Voice Entry (Optional)

Want to record transactions by speaking? Go to Profile (tap your avatar at top-left OR bottom nav "Profile" icon). Enable Voice Entry in settings.

Voice entry is optional but saves time!

10 sec

Per transaction

10 hrs

Saved per month

100%

Tax compliant

First-Time Tip

Start by recording yesterday's transactions to get comfortable. Then make it a daily habit!

The Fastest Way to Record Transactions

Voice Entry is FiCore's killer feature. Speak naturally in English, Hausa, or Pidgin, and our AI does the rest. No typing, no forms, no hassle.

Where to Find Voice Entry

Voice Entry is located in the Profile section, not on the home screen. You must enable it first before you can use it when recording transactions.

How to Enable Voice Entry

Go to Profile

Tap your avatar at the top-left corner OR tap "Profile" icon in the bottom navigation bar.

Find Voice Entry Settings

Scroll down to find "Voice Entry" settings. Tap to enable the feature.

Choose Your Language

Select your preferred language: English, Hausa, or Pidgin. You can change this anytime.

Start Using It!

Now when you record Income or Expense, you'll see the microphone option. Tap it and speak!

How to Use Voice Entry (After Enabling)

Tap Income or Expense Button

On the home screen, tap the blue "Income" or brown "Expense" button (always visible).

Tap the Microphone Icon

In the transaction form, tap the microphone icon to activate voice entry.

Speak Your Transaction

Say what happened: "Sold 10 bags of rice for 100,000 naira"

Review & Confirm

FiCore shows what it understood. Check amount, category, description. Tap "Save". Done in 10 seconds!

Voice Entry Examples

English: "Sold 5 phones for 250,000 naira"

Hausa: "Na sayar da jakuna 10 akan naira 50,000"

Pidgin: "I sell 20 bag of rice for 200,000 naira"

Expense: "Bought fuel for 5,000 naira"

Offline-Capable

Voice Entry works without internet! Record transactions even in areas with poor connectivity. They'll sync automatically when you're back online.

Pro Tip

Speak clearly and include the amount and item. FiCore's AI gets smarter the more you use it, learning your business terminology and patterns.

5 minutes

Manual entry (typing)

10 seconds

Voice entry (speaking)

Your Business Spending Account

FiCore Wallet is more than a payment method - it's your automated expense tracker. Buy airtime, data, and pay bills while FiCore automatically records every expense. Zero manual work!

Understanding Your Home Screen

Home Screen Layout

Your home screen shows two main sections side by side:

"This Month Records" - Shows your Income and Expense amounts for the current month (bookkeeping tracking)
"My Wallet" - Shows your wallet balance and action buttons (icon-only to save space)

Wallet Buttons (Icon-Only)

The wallet buttons are icons only (no text labels) to save space. Here's what each icon means:

+ Icon - Add Cash (fund your wallet)
Clock Icon - Transaction History
Other Icons - Additional wallet actions

Tip: Tap any icon to see what it does!

Setting Up Your Wallet

Fund Your Wallet

In the "My Wallet" section, tap the + icon (Add Cash). Choose payment method and amount. Funds appear instantly.

Buy Airtime or Data

Scroll down to the Utilities section (below the main cards). Tap "Buy Airtime" or "Buy Data". Select network, enter amount, confirm. Done in 30 seconds.

Automatic Expense Recording

FiCore automatically records the purchase as an expense. No manual entry needed! You'll see it in "This Month Records" immediately.

View Transaction History

Tap the clock icon in the wallet section to see all wallet transactions. Export for tax reporting anytime.

What You Can Buy

Airtime

All networks supported

Data

All plans available

Bills

Electricity & more

Time Saver

A market trader in Kano saved 10 hours per month by using FiCore wallet for all business purchases. No more manual expense tracking! She now spends that time growing her business.

Pro Tip

Use your FiCore wallet exclusively for business expenses. This makes your financial reports crystal clear and helps you qualify for better loan terms.

FC Credits = Rewards for Using FiCore

FC Credits are bonus points you earn for using FiCore features. Think of them as "thank you" rewards that you can use for special features!

How to Earn FC Credits

Welcome Bonus

Get free FC Credits when you sign up and complete your profile.

Daily Activity

Earn credits by recording transactions regularly.

Achievements

Complete milestones like "First 10 Transactions" to earn bonus credits.

Referrals

Invite friends to FiCore and earn credits when they join.

Where to See Your Balance

Check your FC Credits balance in your Profile section. Tap your avatar at the top-left or go to Profile from the bottom menu.

What You Can Use FC Credits For

Use your FC Credits to unlock premium features:

Advanced reports and analytics
Priority customer support
Special discounts on services
Exclusive features (coming soon!)

Pro Tip

The more you use FiCore, the more FC Credits you earn. Make it a habit to record transactions daily!

Professional Financial Reports in One Tap

Generate professional financial reports instantly. Perfect for tax filing, bank loans, or business decisions. No accounting degree required!

Available Reports

Profit & Loss (P&L)

Shows income, expenses, and net profit. Essential for tax filing.

Statement of Affairs (Balance Sheet)

Shows assets, liabilities, equity. Required for tax filing and bank loans.

Cash Flow Statement

Tracks money in and out. Helps manage liquidity.

Monthly Summary

Quick overview of month's performance.

Tax Filing Requirements

For tax filing in Nigeria, you need:

Profit & Loss Statement - Shows if your business is profitable
Statement of Affairs (Balance Sheet) - Shows your business's financial position

FiCore generates both reports automatically. Just tap "Generate" and export!

How to Generate Reports

Tap "Reports" from the main menu

Choose report type (P&L, Statement of Affairs, Cash Flow)

Select date range (This Month, Last Month, Custom)

Tap "Generate" - Report appears in seconds

Export as PDF or share via WhatsApp/Email

Bank-Ready & Tax-Ready Reports

FiCore reports are acceptable by Nigerian financial institutions for loan applications AND tax authorities for filing. No modifications needed!

Pro Tip

Generate both P&L and Statement of Affairs monthly, even if you're tax-exempt. This habit makes you "Bank-Ready" for low-interest loans and keeps you prepared for tax filing season.