● Cash Flow Engine ACTIVE
◆ AI Insights Generated 18,420 today
● Runway Calculations Real-time
◆ Anomalies Detected 847 flagged
● Spend Analytics Auto-categorised
◆ Financial Forecasts 90-day rolling
● Avg Decision Time 1.4 seconds
◆ SME Accuracy Rate 94.8%
● Cash Flow Engine ACTIVE
◆ AI Insights Generated 18,420 today
● Runway Calculations Real-time
◆ Anomalies Detected 847 flagged
● Spend Analytics Auto-categorised
◆ Financial Forecasts 90-day rolling
● Avg Decision Time 1.4 seconds
◆ SME Accuracy Rate 94.8%
AI-Powered Core Banking · Business Account Intelligence
Your CFO,
always on
and AI-powered
zung.ai's business account intelligence layer delivers real-time cash flow insights, automated spending analytics, anomaly alerts, and AI-driven financial advice — embedded directly inside your banking product, for every business customer.
TK
NW
BJ
+
Trusted by 80+ banks serving 2M+ SME accounts with AI intelligence
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Net Cash Flow — Oct 2025
KES 284,600
AI Insight — Runway Alert
RUNWAY 127 DAYS · SUPPLIER PAYMENT DUE IN 14D
Suppliers68%
Payroll18%
Overheads9%
Other5%
127d
Runway
+22%
CF Growth
94.8%
Accuracy
AI forecast — +22% CF growth
Anomaly detected ⚠️ 3 flagged
Integrated with
Temenos
Backbase
Mambu
QuickBooks
Xero
Plaid
By the numbers
Intelligence that transforms business banking
zung.ai's business intelligence layer turns raw transaction data into actionable insights — helping SMEs make better decisions and helping banks deepen relationships that last.
2M+
SME accounts with
live AI intelligence
live AI intelligence
94.8%
Accuracy on cash flow
90-day forecasts
90-day forecasts
68%
Reduction in business
account churn
account churn
3.4×
More product cross-sell
per SME customer
per SME customer
Core capabilities
Everything your business
customers need to grow
A unified AI intelligence layer that transforms your business banking product — from a passive transaction ledger into a proactive financial command centre for every SME.
Real-Time Cash Flow Insights
Live cash position, inflow/outflow trends, and 90-day rolling forecasts — updated with every transaction. Business customers see their financial reality in seconds, not months when their accountant files.
Live · 90-Day Forecast
Anomaly & Fraud Detection
AI monitors every transaction for unusual patterns — duplicate payments, unexpected large debits, vendor anomalies, and potential fraud — alerting business owners and relationship managers in real time before damage is done.
Real-time Alerts
AI Financial Advisor
Proactive AI advice surfaced in-app and via WhatsApp — when to pay suppliers, when to borrow, when a runway risk is building, and what products the business qualifies for. A CFO experience at zero marginal cost per customer.
Proactive Advice
Automated Spend Analytics
Every transaction auto-categorised by vendor, expense type, and business function using AI trained on African SME spending patterns. Instant P&L view, supplier concentration, and budget vs actual — no manual bookkeeping needed.
Auto-Categorised
Business Runway Calculator
Real-time runway metric — how many days of operating cash remain at current burn rate — with scenario modelling for different revenue and expense assumptions. Surfaced to business owners and bank relationship managers simultaneously.
Live Runway
Revenue & Growth Intelligence
Track revenue trends, customer concentration, seasonality patterns, and growth velocity. AI identifies the top 3 opportunities to grow revenue or reduce costs each month — delivered as actionable insights, not raw data.
Growth Signals
How it works
From raw transactions to
actionable intelligence
01
Transaction data enriched in real time
Every inbound and outbound transaction is captured, auto-categorised by vendor and expense type, and enriched with business context — supplier, payroll, tax, revenue — using AI trained on African SME spending patterns.
Auto-Enriched02
Cash flow & runway calculated
AI models the business's net cash position, operating burn rate, and runway — updated after every transaction. Scenario modelling for different revenue and expense assumptions runs automatically in the background.
Live Runway03
Anomalies & risks flagged
ML monitors every transaction pattern for anomalies — unusual vendors, duplicate payments, velocity spikes, payment failures — and surfaces alerts to both the business owner and the bank's relationship manager simultaneously.
Risk Alerts04
AI advice & offers delivered
Proactive insights pushed via in-app, WhatsApp, and banker dashboards — when to use an overdraft, when a pre-approved loan could optimise cash flow, when tax is due. Sales moments surfaced to relationship managers automatically.
Proactive Advice
✓ Enriched
⟳ Cash Flow
Anomalies
Advice
Transaction Enrichment — Live
M-Pesa · Supplier A-KES 42,000
Customer Revenue+KES 180,000
NHIF / NSSF-KES 14,400
KRA WHT-KES 9,000
Auto-categorisedTax flagged
Cash Flow & Runway — Calculated
NET CASH FLOW
KES 284,600
RUNWAY
127 days
90-DAY FORECAST: +22% GROWTH EXPECTED
Anomaly Detection — 3 Flagged
Duplicate Payment Risk
Supplier B paid twice · KES 28,000
New Vendor — First Payment
Verify: Acme Supplies Ltd · KES 95,000
2 alerts sentRM notified
AI Financial Advice — Proactive
💡 AI INSIGHT
Supplier payment due in 14 days — your pre-approved overdraft of KES 200K could bridge the gap. Apply in 30s?
📊 GROWTH SIGNAL
Revenue up 22% this quarter — you may now qualify for a KES 500K business loan.
127d
Runway
94.8%
Accuracy
1.4s
Insight Time
CF forecast — +22% growth
3 anomalies flagged ⚠️
Built for every business customer
Intelligence that scales
from stall to corporation
The same AI engine adapts to the complexity of every business — from a market trader checking daily float to a CFO monitoring multi-entity cash positions across 6 currencies.
🏪
Micro-Business
Micro & Informal Traders
Daily sales vs spend at a glance. Float management, M-Pesa reconciliation, and simple runway displayed in plain language — no accounting knowledge required.
Daily P&L in simple language
M-Pesa float alerts
Stock spend tracking
🏢
Core SME
SMEs & Growing Businesses
Full cash flow dashboard, supplier concentration analysis, payroll planning, tax provisioning alerts, and pre-approved lending offers triggered by growth signals.
90-day cash flow forecast
Supplier risk concentration
Pre-approved offers
🏭
Enterprise
Corporates & Multi-Entity
Consolidated multi-account and multi-currency cash position, entity-level P&L attribution, inter-company reconciliation, and board-ready financial reporting — automated daily.
Multi-entity consolidation
Multi-currency FX tracking
Board-ready reports
👨💼
Banker Tools
Relationship Managers
RM dashboard showing every business customer's live financial health score, runway risk, growth signals, and AI-suggested next best action — making proactive outreach effortless and timely.
Portfolio financial health
Next best action alerts
Pre-approved offer triggers
🌾
Agriculture
Agri-Business & Cooperatives
Seasonal cash flow modelling aligned to crop cycles, cooperative member payment tracking, input finance intelligence, and harvest season liquidity planning built directly into the account view.
Seasonal cycle modelling
Member payment tracking
Input finance planning
⚕️
Healthcare & Services
Healthcare & Service Businesses
Insurance claim receivables tracking, patient payment reconciliation, equipment finance planning, and staff payroll intelligence — tailored for clinics, pharmacies, and professional service firms.
Receivables aging
Insurance claim tracking
Staff cost analytics
Developer-first
Embed intelligence
in your banking product
REST API and drop-in SDK to embed cash flow dashboards, AI insights, and anomaly alerts directly into your internet banking, mobile app, or banker portal.
GET /v1/business/insights
// Fetch live business intelligence
const intel = await zung.business.insights({
account_id: "biz_48x2k",
period: "90d",
include: ["cashflow", "anomalies", "advice"]
});
// Response · 1.4s avg
{
"net_position": 284600,
"runway_days": 127,
"forecast_90d": "positive",
"anomalies": [{...}],
"ai_advice": [{...}]
}
const intel = await zung.business.insights({
account_id: "biz_48x2k",
period: "90d",
include: ["cashflow", "anomalies", "advice"]
});
// Response · 1.4s avg
{
"net_position": 284600,
"runway_days": 127,
"forecast_90d": "positive",
"anomalies": [{...}],
"ai_advice": [{...}]
}
1.4s real-time response
Complete cash flow position, anomaly list, AI advice, and 90-day forecast in one API call — updated after every transaction.
Drop-in UI components
Pre-built React and Web Component widgets for cash flow charts, runway meters, anomaly feeds, and AI insight cards — embed in hours, not months.
Webhook event stream
Subscribe to real-time events — anomaly detected, runway threshold breached, pre-approval triggered — and push to banker CRM or customer app instantly.
Trust & compliance
Secure intelligence,
compliant by design
Every insight, anomaly alert, and AI recommendation is generated from data that is encrypted, permissioned, and fully compliant with banking data regulations across every market we operate in.
End-to-End Data Encryption
GDPR & NDPR Compliant
PSD2 Open Banking Ready
SOC 2 Type II · ISO 27001
Role-Based Access Control
CBK / CBN / SARB Compliant
Data Isolation
Each business account's data is fully isolated — no cross-customer data leakage, ever. Enforced at infrastructure level.
Explainable AI
Every AI insight and advice carries a plain-language rationale — showing exactly which signals drove the recommendation.
Immutable Audit Trail
Every insight generated, anomaly flagged, and advice surfaced is stored tamper-proof with timestamps for full regulatory review.
Consent Framework
Business owners control what data feeds the AI — explicit consent capture and granular permission management built in.
Integrations
Connects with your entire stack
Pre-built connectors for core banking systems, accounting software, mobile money networks, and ERP platforms — live in weeks, not months.
Temenos
Backbase
QuickBooks
Xero
Mambu
M-Pesa
Plaid
Salesforce
Sage
Finacle
SAP
TrueLayer
Give every SME an AI CFO
Turn your business banking
into a growth engine
Join 80+ banks using zung.ai to reduce SME churn by 68%, increase cross-sell by 3.4×, and give every business customer a real-time financial intelligence layer they can't get anywhere else.
Live in 6 weeks
Drop-in SDK
SOC 2 Type II
99.99% uptime SLA