NEW
Join our live weekly demo — see zung.ai's AI agents in action for your institution globally
The #1 intelligent banking platform built for scale.
The #1 AI-Native Core Banking Platform for MFIs and SACCOs — purpose-built for cooperative finance in 180 countries.
From credit scoring to compliance, Powered by most powerful AI tools from day one.
99.99% Uptime SLA Globally
SOC 2 Type II
180+ Countries
1-6-Weeks Go-Live
Free migration
.png)
Your complete solution for core banking & financial inclusion
Built AI-native Banking OS — Zung.ai unifies every customer touchpoint across Portfolio,
Intelligence, Scheduling, Analytics, and Engagement in one cooperative-native platform.
Intelligence, Scheduling, Analytics, and Engagement in one cooperative-native platform.
Say goodbye to financial guesswork and hello to
AI-native, data-driven cooperative banking
Replace fragmented legacy systems and unify your entire SACCO operation on one AI-native platform.
Semantic Intelligence Fabric
A unified AI data layer that consolidates member behaviour, transactions, and portfolio signals into a single source of truth across every workflow and channel.
Open Integration Fabric
Bi-directional connectors to M-PESA, Airtel Money, credit bureaus, core systems, and payment rails — that feeds AI intelligence across all systems in real time.
Agentic AI — Autonomous Loan Ops
Modular AI agents that originate, score credit, disburse funds, and trigger follow-ups autonomously — mirroring Agentic AI that drives 51% YoY transaction growth at tier-1 banks.
Governed AI — Auditable & Compliant
Every AI agent action is policy-enforced, audit-trailed, and explainable — Zung's Process Fabric model applied to SACCO compliance, ensuring regulatory transparency at every decision point.
Live intelligence across your entire portfolio.
Zung.ai's AI Banking OS coordinates members, employees, and AI agents from a single shared truth. No fragmented systems. No manual handoffs. Just real-time decisioning at SACCO scale.
The AI-native banking OS built ground-up for
Cooperative financial institutions globally
While platforms serve tier-1 banks at enterprise cost, Zung.ai delivers the same AI-native architecture — Agentic AI, Intelligence Fabric, and composable banking — purpose-built for cooperative finance.
VS
.gif)
Features included :
AI-Native Banking OS
One shared truth for members, agents & workflows — like Banking OS, built for SACCO scale.
Agentic AI — Loan Origination to Servicing
Autonomous agents that score, disburse, follow up, and flag risk — without human bottlenecks.
Intelligence Fabric — Real-Time Portfolio AI
PAR tracking, delinquency signals, and AI-generated next-best actions from live member & transaction data.
Open Integration Fabric
Pre-built bi-directional connectors — M-PESA, Airtel Money, credit bureaus, payment gateways & core systems.
Multi-Channel Engagement Banking
Mobile, USSD, Web & Agent Networks — composable channel delivery across the full member lifecycle.
Governed AI — Auditable & Compliant
Every agent action policy-enforced, audit-trailed, and explainable — built-in regulatory guardrails.
SACCO-Native Pricing & Expert Support
Enterprise-grade capability at cooperative-scale cost — dedicated onboarding, 24/7 support & account management.
Other Legacy CBS & Digital Platforms
Features included :
AI bolted onto legacy systems, not purpose-built for banking intelligence
Manual loan processing and approval workflows with high overhead
No unified Intelligence Fabric; AI recommendations lack real-time context
No native M-PESA, mobile money or African payment rail connectors
No USSD or agent banking; fails underserved & low-connectivity members
No explainability, audit trails or governance; creates compliance risk
Built for big banks; unaffordable for cooperatives with no specialist guidance
The Full Ecosystem
From AI-native core banking to agentic loan origination, open integration, and conversational self-service — the full Zung.ai ecosystem, purpose-built for cooperative finance.
One platform. Every financial role.
Engagement banking model — but built ground-up for cooperative finance. Zung.ai unifies every customer touchpoint from onboarding to repayment, across every role in your institution.
SACCO Leaders & Loan Officers
Run your entire lending lifecycle — from credit scoring to disbursement — in one intelligent dashboard. The same unified engagement model delivers to tier-1 banks, built for your SACCO scale and budget.
Small SACCOs & Microfinance Institutions
Agentic AI that works Zung's AI Factory — automating credit decisions, repayment reminders, and member engagement without needing an in-house tech team. Cost-effective pricing that scales with you.
Independent SACCO Operators & Advisors
Role-based access, audit trails, and approval workflows — the same multi-user collaboration infrastructure offers enterprise banks, delivered for independent cooperative operators at a fraction of the cost.
Cooperative Societies & Community Banks
Manage member savings, track capital reserves, and automate interest calculations — with the same composable banking architecture uses for credit unions, natively adapted for your cooperative model.
Credit Unions & MFI Analysts
Real-time PAR tracking, branch benchmarking, and AI-generated risk alerts. Zung clients report a 44% increase in acquisition costs using data-led engagement — now accessible to every MFI on Zung.ai.
SACCO Admins & Compliance Officers
Automated audit trails, KYC workflows, and regulatory reporting — all governed by the same trust-first AI principles builds into every bank deployment. Every decision is transparent, auditable, and secure.
Frequently asked questions
Have other questions? Contact us here so we can help.
What is Zung.ai and how is it different from traditional SACCO software?
What does "Agentic AI" actually mean for my institution day-to-day?
Do I need to replace my existing core banking system to use zung.ai?
Which payment systems and integrations does zung.ai support globally?
How does zung.ai predict portfolio risk before it escalates?
How long does migration from our current CBS take?
How does zung.ai compare to Backbase, Temenos, Mambu, and others?
Which regulatory frameworks and jurisdictions does zung.ai comply with?
Is zung.ai's AI governed, auditable, and secure at bank grade?
How is zung.ai priced — is it affordable for smaller institutions?
Does zung.ai work in my country?
We're a bank, fintech, or digital lender — is zung.ai right for us?
Does zung.ai support Shariah-compliant Islamic banking products?
Who owns the AI models — can we train on our own data?
Can zung.ai handle multi-branch and multi-institution management?
