Simplifying Finances for Small Businesses and Associations Get Started About Us Convenience at your fingertips Get Started About Us
Our Services

SMARTBOOKS offers a comprehensive suite of services, including:

Customer Relationship
Management

Keep track of your contributors with ease.

Analytics

Gain insights into your finances with automated reporting.

Operational
Improvement

Eliminate manual accounting tasks for streamlined operations.

Risk
Management

Mitigate financial risks with secure, transparent data handling.

About us

SMARTBOOKS
by Gem Financial Management Limited

A trusted solution designed to bring affordable, reliable accounting and reconciliation services to small- and medium-sized organizations. Our platform simplifies financial management for a range of groups, including welfare associations, schools, real estate agents, estate managers, small Saccos, community groups, and more. We empower organizations to focus on their core activities by reducing administrative burdens and costs.

Why choose us

Our Advantages

Instant Setup and Access

SMARTBOOKS is quick to deploy, with no extensive customizations needed. Our platform is accessible via mobile app and web portal, keeping it flexible and accessible.
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Cost-Effective Solution

As a virtual company, we operate with low overhead, passing savings on to our clients. This makes SMARTBOOKS an affordable alternative to hiring full-time accountants or deploying expensive software.

Secure, Accurate, and Transparent

Our system updates data automatically, ensures secure payment management, and enables effortless fund transfers across wallets, bank accounts, or mobile platforms like Mpesa.

Dedicated Customer Support

SMARTBOOKS provides real-time responses to client queries, ensuring continuous improvement through close customer feedback.

SMARTBOOKS offers seamless, off-the-shelf accounting solutions that alleviate the need for costly human resources and inefficient manual processes. We provide our clients with user-friendly tools for organizing data, reporting, payment processing, and maintaining reliable records. By replacing outdated methods, we help organizations improve efficiency, accountability, and financial accuracy.

Our Impact in Numbers

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Organizations streamlined with SMARTBOOKS solutions.

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Transactions processed securely and accurately each month.

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Reduction in manual errors for our clients.

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Availability of our mobile and web-based financial tools.

Our Target Market


SMARTBOOKS serves a wide array of organizations that handle regular payments and require simple, effective financial tracking. Our ideal clients include:

  • Welfare Associations – Simplify dues and membership tracking
  • Chamaas & Savings Groups – Enhance transparency in group contributions
  • Estate Management Companies – Track service fees and maintain financial clarity
  • Schools and Churches – Streamline contributions and expenses
  • Private Billing Services – For water, gas, or other utility billing needs
  • Event-Based Fundraising (Harambees, Mchangos) – Enable smooth contribution tracking and disbursements


Our system is designed for organizations that operate with minimal staff and require an easy-to-use solution for accurate financial reporting.