●Agent Platform GLOBAL · LIVE
◆Field Agents Active 42,000+ globally
●Offline-First Works without internet
◆Countries Deployed 180+ markets
●Loan Disbursements via Agent $2.4B+ processed
◆Collection Efficiency +44% vs manual agents
●Avg Daily Transactions/Agent 68 per field agent
◆Languages Supported 49 natively
●Agent Platform GLOBAL · LIVE
◆Field Agents Active 42,000+ globally
●Offline-First Works without internet
◆Countries Deployed 180+ markets
●Loan Disbursements via Agent $2.4B+ processed
◆Collection Efficiency +44% vs manual agents
●Avg Daily Transactions/Agent 68 per field agent
◆Languages Supported 49 natively
zung.ai Global · Agent Platform
Banking where
members live.
AI in every pocket.
zung.ai's Agent Platform puts AI-powered banking tools in the hands of 42,000+ field agents globally — loan officers, collection agents, and branch reps who serve MFI members in rural communities, markets, and homes. Works fully offline. AI-assisted decisions. Real-time sync when connectivity returns. Designed for the realities of MFI field operations worldwide.
FN
AM
JW
+
42,000+ field agents in 180 countries serving 12M+ members — $2.4B+ processed annually
.gif)
FA
Fatimah Al-Rashid
● Field Active · 6 visits today
📍 Accra, Ghana
Today's Schedule
4 / 8 done
✓Done
Loan disbursement — Grace Mensah
✓Done
Collection visit — Abena Kofi
⟳Now
Group meeting — Solidarity Group 7
New loan application — James Adu
Offline mode active — all data synced locally. 3 pending transactions will upload when connectivity returns.
68
Txns/Day
+44%
Collection
8s
AI Decision
Offline-first — works anywhere
42,000+ agents active globally ✓
Built for
L
Loan OfficersC
Collection AgentsG
Group LeadersB
Branch RepsK
KYC Agents+
180 CountriesField impact at scale
AI in the field changes everything
MFI field agents are the most important touchpoint in financial inclusion — yet most are still using paper, Excel, and WhatsApp screenshots. zung.ai's Agent Platform gives every field agent AI superpowers that work even in areas with no internet connectivity, across every market globally.
42K+
Active field agents using the platform globally
44%
Improvement in collection efficiency vs paper agents
$2.4B+
Annual loan disbursements processed through agents
68
Average daily transactions per field agent
Platform capabilities
Every tool a field agent
needs — AI-powered
A purpose-built mobile platform that handles every field task — loan origination, collection, group meetings, KYC, and cash management — with AI providing real-time guidance, automated decisions, and seamless sync to the core banking system globally.
Offline-First Architecture
The Agent Platform works fully offline — no internet, no problem. Agents capture loan applications, record repayments, complete KYC, and conduct group meetings anywhere, with all data stored securely on-device and automatically synced to the core banking system the moment connectivity returns. Designed for last-mile realities globally.
Zero Connectivity Needed
AI-Assisted Loan Decisions
Field agents receive an AI credit score, recommended loan amount, and suggested interest rate for every application — in 8 seconds — based on 400+ signals including the member's history, group performance, and local economic indicators. No more gut instinct. Data-driven lending, delivered in the field globally.
8s AI Score · Field
Group Lending Management
Complete solidarity group and village banking management — attendance tracking, group savings collection, group loan disbursement, peer guarantor management, and group health scoring. AI surfaces which group members are at risk before the next meeting so agents can address issues proactively in the field globally.
Solidarity Groups · AI
Mobile KYC & Onboarding
Agents onboard new members entirely in the field — capturing liveness selfie, ID document photo, biometric fingerprint (where supported), and GPS location — with AI instantly verifying identity, performing sanctions screening, and assigning a KYC tier. New members banking within minutes of meeting an agent globally.
4-Min KYC · Mobile
GPS Route Optimisation & Tracking
AI optimises each agent's daily visit route based on collection priorities, loan due dates, and geographic proximity — reducing travel time and increasing daily visit capacity. Supervisors see every agent's real-time location, task completion, and cash-in-hand through the management dashboard globally, in any connectivity environment.
Route AI · Supervisor View
Cash & Mobile Money Collection
Accept cash, mobile money (M-Pesa, MTN MoMo, Airtel, Wave, and 12+ networks), and direct bank transfers — all through one agent app. Instant digital receipts issued to members via SMS or WhatsApp. Cash reconciled automatically at end-of-day against the agent's collection schedule globally without manual counting or paperwork.
15 Payment Methods
How it works
From paper-based agent to
AI-powered field banker
01
Agent onboarded and route assigned
Each agent logs in to the zung.ai Agent app — their daily visit schedule, member portfolio, and collection targets are automatically loaded. AI optimises the route by visit priority, geographic proximity, and predicted member availability. The agent starts their day knowing exactly where to go and why.
AI-Optimised Route02
AI assists at every member interaction
At each visit, the agent sees the member's complete profile, loan history, and AI risk score — with specific talking points, recommended actions, and suggested offers. New loan applications are scored in 8 seconds. The agent makes better decisions with AI guidance than any paper-based process could ever support, globally.
8s AI Score03
Offline capture — syncs on connectivity
All loan applications, repayments, new member onboarding, and group meeting records are captured on-device — regardless of internet connectivity. The moment the agent enters coverage, all data syncs automatically to the core banking system. Repayment receipts reach members via SMS simultaneously. Zero data loss, zero re-entry globally.
Auto-Sync · Zero Loss04
Supervisor monitors in real time
Branch managers and supervisors see every agent's location, task progress, collections made, and cash held — live — from any device. AI surfaces agents with performance concerns, members showing distress signals, or collection routes running behind schedule. Management oversight without micromanagement, from anywhere globally.
Live Dashboard
zung.ai Agent
● FIELD
✓ Route
⟳ Assist
Sync
Report
AI Route — Optimised
Visits scheduled8 members
Priority collections3 due today
Route distance12.4 km optimised
Est. completion3:40pm
AI SAVED 4.2KM vs MANUAL ROUTE · 48 MINS RECOVERED
AI Loan Score — Live
718
Grace Mensah — Recommended: Approve
GHS 3,200 · 12mo · 18% APR suggested
Repayment history100% · 14 months
Group healthGood · 8/8 on time
Decision time8.2 seconds
Offline Sync — Pending
Repayment: Abena K.GHS 380 · queued
New member KYCJames A. · queued
Group attendanceGroup 7 · queued
AUTO-SYNCS ON NEXT CONNECTION · RECEIPTS SENT THEN
End-of-Day Report — Auto
Visits completed8 / 8 ✓
CollectionsGHS 4,240 total
New applications2 submitted
Report sent toBranch Mgr ✓
8/8
Visits Done
8s
AI Score
Auto
Report
Route saved — 48 mins recovered
AI score 718 · approved ✓
Agent role profiles
One platform. Every
field role empowered.
Each agent role has a tailored view — loan officers see credit tools, collection agents see priority queues, group leaders see solidarity group management, supervisors see the full network. One app, configured to what each person needs globally.
Loan Officer
Credit & Origination
AI-assisted loan origination in the field — member profiling, AI credit scoring in 8 seconds, application capture, document scanning, group assessment, and instant provisional approval for qualifying members. No branch visit required from the member globally.
AI credit score in 8 seconds
Offline application capture
Group health scoring
Collection Agent
Repayments & Recovery
AI-prioritised collection schedule showing which members to visit first based on risk score, payment due dates, and predicted cash availability. Accept cash and mobile money, issue instant receipts, and log partial payments with restructure recommendations for distressed borrowers globally.
AI-ranked collection queue
Multi-payment method acceptance
Instant digital receipts
Group Leader
Solidarity & Village Banking
Complete solidarity group management — attendance recording, group savings collection, group loan disbursement facilitation, peer guarantor confirmation, and group health dashboard showing every member's status and the group's overall performance score for the institution globally.
Group attendance & savings
Group health AI score
Peer guarantor management
KYC & Onboarding Agent
Identity & Registration
Mobile KYC for new member onboarding in the field — selfie liveness check, ID document scanning, biometric capture, and GPS location recording — with instant AI identity verification, sanctions screening, and tiered KYC assignment. New members banking within 4 minutes, anywhere globally.
Liveness & ID document AI
4-minute mobile KYC
Instant sanctions check
Branch Manager
Supervision & Oversight
Real-time supervisor dashboard showing every agent's location, task completion, collections-in-hand, and performance vs target — with AI alerts for agents behind schedule, members showing payment distress, or unusual collection patterns that warrant immediate attention globally.
Live agent location map
Real-time portfolio view
AI performance alerts
Agricultural Field Agent
Agri Finance & Farmer Banking
Season-aware tools for agricultural finance agents — crop cycle loan scheduling, harvest-linked repayment flexibility, input voucher management, weather-signal alerts, and field-based farmer KYC using alternative identity for smallholders without formal ID documentation globally.
Crop cycle loan tools
Alternative ID KYC for farmers
Weather-signal repayment flex
Supervisor dashboard
Your entire field force
visible in real time
Branch managers and area supervisors see every agent, every visit, and every collection — live — with AI surfacing exceptions that need attention without drowning them in data globally.
Field Agent Network — Live● 12 Active
FA
Fatimah A.6/8 doneGHS 4,240KN
Kofi N.5/7 doneGHS 3,180AB
Abena B.8/8 done ✓GHS 5,600JO
James O.3/8 · offline⟳ syncGHS 48.2K
Collected Today
12 / 12
Agents Active
94%
Task Completion
3
AI Alerts
📍
Live Agent Location Map
Every agent's GPS location updated every 5 minutes — see who's on schedule, who's running late, and which areas are being served in real time. Dispatch assistance instantly when needed globally.
🎯
Portfolio Performance Dashboard
Branch-level portfolio view — collections vs target, PAR by agent, at-risk loans requiring escalation, and daily disbursement totals — all updated live as field agents complete their visits globally.
⚡
AI Escalation Alerts
AI surfaces the 3 things a supervisor needs to act on today — an agent with unusual collection patterns, a group meeting that produced warning signals, or a high-value loan that missed its visit window globally.
📑
Automated Daily Reports
End-of-day branch report auto-generated and delivered — collections summary, disbursements, KYC completions, and portfolio health changes. Board-ready data without any manual compilation globally.
Developer-first
Embed agent banking into
your existing platform
The Agent Platform is fully accessible via REST API — embed field banking capabilities, AI loan scoring, and offline-sync infrastructure into your own agent app or CBS integration globally.
POST /v1/agent/score
// AI loan score for field agent
const score = await zung.agent.score({
member_id: "mbr_9kx2",
requested_amount: 3200,
currency: "GHS",
agent_id: "agt_fa01",
offline_mode: false
});
// Response · 8.2s
{
"score": 718,
"decision": "approve",
"recommended_amount": 3200,
"suggested_rate": 0.18,
"drivers": [{...}]
}
const score = await zung.agent.score({
member_id: "mbr_9kx2",
requested_amount: 3200,
currency: "GHS",
agent_id: "agt_fa01",
offline_mode: false
});
// Response · 8.2s
{
"score": 718,
"decision": "approve",
"recommended_amount": 3200,
"suggested_rate": 0.18,
"drivers": [{...}]
}
Offline-capable SDK
Full Android and iOS SDK with embedded offline queue — build your own agent app that works without internet using the same AI score engine and auto-sync infrastructure globally.
GPS & route API
Embed AI route optimisation, live agent tracking, and geofenced visit verification into your field operations platform via REST API globally.
White-label Agent App
Launch your own branded agent banking app — iOS and Android — powered by the zung.ai Agent Platform engine, customised to your institution's products, workflows, and languages in any market globally.
Payment & network integrations
Accept every payment method
your members already use
Field agents accept payments via every mobile money network, bank transfer, and cash method — with instant reconciliation and digital receipts across 180 countries globally.
M-Pesa
MTN MoMo
Airtel Money
Wave
Orange Money
Tigo Pesa
Flutterwave
Africa's Talking
WhatsApp Receipts
SMS OTP
Cash (reconciled)
+40 more networks
Put AI in every field agent's pocket
42,000 field agents.
AI-powered. Offline-ready.
Join 500+ MFIs, SACCOs, and cooperative banks using the zung.ai Agent Platform — equipping 42,000+ field agents with AI-assisted loan decisions, offline-first capture, GPS route optimisation, and real-time supervisor oversight across 180 countries globally.
Works offline
180 countries
49 languages
8s AI scoring