M-Cosmo by Sky World Limited is a free mobile application for Android users that offers a range of services to SACCO members. The app provides easy access to transaction services such as withdrawing money through M-PESA, ATM, or Agent, buying airtime, paying bills for services like electricity and water, and transferring funds to SACCO and bank accounts. Users can also perform QR transactions using M-Cosmo.

In addition to transaction services, users can also access their account information, including their account balance, detailed account statement, and change their PIN. The app also provides a comprehensive loan management feature that allows users to check their loan limit, apply for a loan, and check their loan balance. Users can also view their detailed loan statement and get information about the members who have guaranteed their loans or the members they have guaranteed loans for.

M-Cosmo also offers a convenient contact feature that provides users with the contact information of their SACCO. With its user-friendly interface and comprehensive features, M-Cosmo is a must-have application for SACCO members who want to manage their finances on the go.