● Smart Reminders AI-Timed
◆ Collection Rate +38% lift
● Auto Reconciliation Real-time
◆ Repayment Tracking Live dashboard
● WhatsApp · SMS · Email Omnichannel
◆ Default Prevention Predictive AI
● Recovery Rate 94.2%
◆ Manual Work Saved -87%
● Smart Reminders AI-Timed
◆ Collection Rate +38% lift
● Auto Reconciliation Real-time
◆ Repayment Tracking Live dashboard
● WhatsApp · SMS · Email Omnichannel
◆ Default Prevention Predictive AI
● Recovery Rate 94.2%
◆ Manual Work Saved -87%
zung.ai · Automated Collections

Collect more.
Chase less.
Reconcile instantly.

AI-powered payment reminders, intelligent repayment tracking, and automated reconciliation — so your team focuses on growth, not chasing borrowers.

Request a Demo → Explore Platform
BF
KM
AO
+
Trusted by 340+ lenders across 28 markets
● LIVE
Active Repayments — Today
FK
Fatima Kamara
WhatsApp reminder · Due today
KES 12,000
SENDING...
JM
James Mwangi
AI reminder · Due in 3 days
KES 24,000
DUE SOON
94.2%
Recovery Rate
2.4s
Reconcile
-87%
Manual Work
KES 8,500 collected — Auto-reconciled
Reminder delivered ✓
Collections at scale

Numbers that speak for themselves

zung.ai's collections engine is built for African lending realities — mobile-first, multi-channel, and relentlessly automated.

94.2%
Average portfolio recovery rate
38%
Lift in on-time repayments vs manual
87%
Reduction in collections team manual work
2.4s
Payment matched & reconciled instantly
How it works

From due date to collected & reconciled
without lifting a finger

01
AI schedules the perfect reminder
zung.ai analyses each borrower's payment history, time-of-day behaviour, and channel preference to send reminders at the exact moment they're most likely to pay — days before the due date.
Behavioural AI
02
Omnichannel delivery — instantly
Reminders go out via WhatsApp, SMS, USSD, push notification, and email — in the borrower's language, with a one-tap payment link. The system escalates channels automatically if no action is taken.
WhatsApp · SMS · USSD
03
Payment captured & reconciled in 2.4s
When M-Pesa, mobile money, card, or bank transfer lands, the engine matches it to the correct loan and instalment, updates the ledger, and notifies the borrower — all in under 3 seconds. Zero manual matching.
Real-time Reconciliation
04
At-risk loans flagged before default
Predictive delinquency models score each loan daily against 200+ behavioural signals. Loans at elevated risk are escalated to a human agent or restructuring workflow — before they become NPLs.
Predictive · Pre-NPL
● LIVE
AI Schedule Delivery Reconcile Risk Flag
Optimal Reminder Window — Fatima K.
🕐
Best send time08:30 EAT
📱
Preferred channelWhatsApp
📅
Days before due3 days
🎯
Pay probability91.4%
PersonalisedAI-timed
Channel Delivery — Escalation Ladder
WhatsApp
91%
SMS
85%
USSD
76%
Push / Email
68%
AUTO-ESCALATING IF UNREAD...
Payment Match — 2.4s
2.4s
Payment to reconciled ledger
SOURCE
M-Pesa
MATCHED
Loan #4821
Status: RECONCILED ✓ Zero manual work
Pre-NPL Risk Signals — James M.
⚠M-Pesa inflow dropped 40%High risk
⚠No app activity — 11 daysElevated
→Restructuring workflow triggeredAuto
94.2%
Recovery
+38%
On-time
-87%
Manual
Core capabilities

Everything your collections
team has ever wanted

A single AI engine that handles every layer of automated collections — from first reminder to final reconciliation — with zero manual intervention.

AI-Timed Smart Reminders
Machine learning analyses each borrower's repayment history and device behaviour to send reminders at the optimal moment — days before due — maximising open rates and payment conversion.
Behavioural AI
Omnichannel Delivery
WhatsApp, SMS, USSD, push, and email — in the borrower's language — with embedded one-tap payment links. The system auto-escalates channels when messages go unread, with configurable escalation ladders.
5 Channels · Auto-Escalate
Instant Auto-Reconciliation
Every M-Pesa, card, or bank transfer is matched to the correct loan and instalment in 2.4 seconds. The ledger updates automatically, the borrower gets a confirmation, and your team sees it live — no spreadsheets, no manual matching.
2.4s · Zero Manual
Predictive Delinquency Engine
Daily risk scores across 200+ behavioural signals flag loans moving toward delinquency — before the due date passes. High-risk accounts are escalated to agents or restructuring workflows automatically.
Pre-NPL · 200+ Signals
Live Collections Dashboard
Real-time portfolio health — overdue buckets, daily collection rates, agent performance, channel effectiveness, and cash flow projections — all in a single dashboard built for credit risk teams.
Real-time · Exportable
Restructuring & Hardship Flows
When an AI model flags genuine hardship — income drop, medical event, location change — the system routes the borrower into a configurable restructuring workflow. Repayment plans negotiated and documented automatically.
No-Code Builder
Omnichannel reminders

Meet borrowers where they actually are

Reminders sent through the right channel, in the right language, at the right time — with embedded payment links that make paying as easy as tapping a button.

💬
WhatsApp
Rich messages · Payment links · 2-way
91% open
📱
SMS
Universal reach · USSD callback · STK push
85% open
📟
USSD
Feature phones · No data needed · Offline
76% rate
🔔
Push Notification
In-app · Deeplink to payment screen
72% open
✉️
Email
HTML statements · PDF schedules · Receipts
68% open
FK
Fatima Kamara
● WhatsApp · Active
LIVE
Hi Fatima 👋 Your loan instalment of KES 12,000 is due in 3 days (15 Jan). Tap below to pay instantly via M-Pesa.
zung.ai Collections · 08:30 EAT
Delivered ✓ · Read 08:31
I'll pay today after work. What's the account?
Fatima · 09:14 EAT
No account needed 🎉 Just tap the link above — it goes straight to M-Pesa STK push. Done in 10 seconds.
zung.ai Collections · 09:14 EAT
Done! ✅
Fatima · 17:42 EAT
Payment KES 12,000 received · Auto-reconciled in 2.4s ✓
Compliance & reporting

Audit-ready collections,
built for regulators

Every reminder sent, payment received, and restructuring agreed is logged with a full audit trail. zung.ai collections is designed to satisfy the strictest central bank and consumer credit regulations.

Full message delivery audit trail
Opt-out & consent management
Fair collections practice compliance
CBK / CBN / CMA regulation ready
SOC 2 Type II · ISO 27001
Automated NPL reporting exports
Full Audit Trail
Every reminder, delivery receipt, payment, and agent action is logged with timestamps — exportable for regulatory review in seconds.
Consent Management
Borrower communication preferences, opt-outs, and consent records stored and enforced automatically — GDPR and NDPR compliant.
NPL & Bucket Reports
Automated 0–30, 30–60, 60–90, and 90+ day PAR reports — scheduled daily to your risk team inbox with drill-down by product, agent, and region.
Fair Collections Rules
Configurable contact-time windows, maximum daily reminder limits, and tone guidelines — enforced automatically so agents and AI stay compliant.
Integrations

Plugs into your entire lending stack

Pre-built connectors for every payment rail, core banking platform, and communication provider — live in weeks, not months.

Stop chasing. Start collecting.

Recover more.
Spend nothing on manual chasing.

Join 340+ lenders using zung.ai to automate collections, reduce NPLs, and free their teams from spreadsheets — with AI that only gets smarter on your portfolio data.

Book a Live Demo → View API Docs
94.2% recovery rate Live in 4 weeks SOC 2 Type II -87% manual work