●Intelligence Engine GLOBAL · LIVE
◆AI Decisions/Day 84M+ autonomous
●Think → Decide → Act Under 200ms
◆AI Agents Active 18 specialised agents
●Institutions Using AI Engine 500+ globally
◆Models Retrained Daily · Auto
●Human Override Rate Only 4.2%
◆Countries 180 globally
●Intelligence Engine GLOBAL · LIVE
◆AI Decisions/Day 84M+ autonomous
●Think → Decide → Act Under 200ms
◆AI Agents Active 18 specialised agents
●Institutions Using AI Engine 500+ globally
◆Models Retrained Daily · Auto
●Human Override Rate Only 4.2%
◆Countries 180 globally
zung.ai Global · Intelligence Engine
AI that thinks,
decides and
acts for you.
The zung.ai Intelligence Engine is the autonomous AI brain embedded in every institution running on the zung.ai platform — continuously monitoring, reasoning across every data signal, and taking precise actions in real time — from approving a loan in 8 seconds to stopping a fraudulent transfer before it leaves the account.
AK
NB
SC
+
84M+ autonomous decisions daily across 500+ institutions in 180 countries
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Think
400+ signals
›
Decide
<200ms
›
Act
Autonomous
Loan #LN-9821 approved — Score 742, £2,400 disbursedAct · 8s
Fraud signal — Transfer $4,100 blocked, member notifiedBlocked · 0.3s
Default risk detected on Loan #44-B — alert sent to officerDecide · 90d
Nudge triggered — Amara M. savings streak day 21Think · live
84M+
Decisions/Day
200ms
Decision Time
95.8%
Accuracy
AI reasoning — always on
84M autonomous decisions today ✓
AI agents covering
C
Credit AIF
Fraud AIR
Risk AIN
Nudge AIW
Wealth AI+
13 More AgentsAutonomous at scale
An AI brain that never sleeps,
never misses a signal
The zung.ai Intelligence Engine processes every transaction, every member interaction, and every external signal across your entire institution simultaneously — making 84 million decisions a day that would require thousands of human analysts working around the clock to replicate.
84M+
Autonomous AI decisions made per day
18
Specialised AI agents working in parallel
95.8%
Average decision accuracy across all agents
4.2%
Human override rate — AI handles the rest
Intelligence capabilities
18 AI agents. One
unified intelligence layer.
Each agent is a specialised AI model trained on millions of financial decisions in its domain — working in parallel, sharing a unified member data model, and coordinating across agents to make decisions that no single model could make alone.
Credit Intelligence Agent
Evaluates every loan application in under 8 seconds — combining traditional credit signals with 400+ alternative data points, behavioural patterns, and peer benchmarks to generate an explainable credit score and a binary approve/decline decision with a recommended rate and term.
8s · Full Explanation
Fraud Detection & Prevention Agent
Real-time transaction scoring across every payment — detecting account takeover, synthetic identity fraud, social engineering patterns, and money mule behaviour in under 300ms. Blocks suspicious transactions before they leave the account, with instant member notification and case creation.
300ms · Real-time Block
Portfolio Risk Intelligence Agent
Monitors every loan in the portfolio simultaneously — detecting default signals 60–90 days early, computing IFRS 9 staging and ECL, stress-testing against macro scenarios, and generating board-ready risk reports automatically. The institution's entire credit book under AI surveillance, 24/7.
90-Day Early Warning
Conversational Banking Agent
Natural language AI agent serving members across WhatsApp, USSD, SMS, voice, and web in 49 languages — resolving 89% of queries autonomously, executing permitted transactions, and escalating intelligently to human agents with full context when intervention is needed.
49 Languages · 89% Auto
Behavioural Nudge Agent
Monitors member financial behaviour in real time — detecting teachable moments, financial stress signals, and product readiness triggers — then crafts and delivers personalised coaching messages that drive measurable improvements in savings rates, repayment discipline, and product adoption globally.
+42% Savings · 3.1× Uptake
Wealth & Growth Intelligence Agent
Projects every member's wealth trajectory 30 years forward — detecting gaps, recommending the right investment products from locally available instruments, and adapting the plan instantly when life events occur. AI wealth management available to every member regardless of income level globally.
30-Year · AI Wealth Mgmt
How it works
From raw signal to
autonomous action in 200ms
01
Ingest — every signal, every source
The Intelligence Engine continuously ingests 400+ data signals per member — transaction streams, repayment behaviour, app interactions, external bureau data, macroeconomic indicators, and peer group benchmarks — building a real-time knowledge graph that represents the complete financial state of each member and the entire institution.
400+ Signals · Real-time02
Reason — 18 agents think in parallel
Eighteen specialised AI agents reason simultaneously over the knowledge graph — each optimised for its domain (credit, fraud, risk, nudge, wealth, compliance, operations) and each contributing a scored signal to the unified decision model. Cross-agent coordination ensures no conflict and no blind spot.
18 Agents · Parallel03
Decide — ranked, explainable, auditable
The decision model combines all agent signals into a single ranked decision — approve, block, alert, nudge, or escalate — with a confidence score and a SHAP-based explanation of exactly which factors drove the decision. Every decision is logged immutably before any action is taken.
SHAP · Explainable · Auditable04
Act — autonomous or assisted
High-confidence decisions are executed autonomously — loan disbursed, fraud blocked, nudge sent, report filed. Low-confidence decisions are escalated to the right human with the full reasoning pre-filled. Every outcome is fed back into the model, making the Intelligence Engine smarter with each decision globally.
Autonomous · Learning
zung.ai Intelligence
● AUTONOMOUS
✓ Ingest
⟳ Reason
Decide
Act
Signal Ingestion — Live
Signals per member400+ live
Data sourcesInternal + Bureau + Macro
Refresh rateReal-time streaming
Agent Reasoning — 18 Parallel
Credit AgentScore: 742 ✓
Fraud AgentClean ✓
Risk AgentStage 1 ✓
Compliance AgentAML Clear ✓
18 AGENTS AGREED · CONSENSUS: APPROVE · CONF: 97.2%
Decision — Explainable
DecisionAPPROVE ✓
Confidence97.2%
Top driverRepay history +0.38
Logged atImmutable · pre-action
Action — Autonomous Execution
🧠All 18 agents confirmed — consensus reached18ms
⚡Decision logged immutably pre-action3ms
✅Loan disbursed, member notified, ledger updated182ms
TOTAL: 203ms · HUMAN OVERRIDE NOT REQUIRED · MODEL UPDATED
18
Agents
200ms
Total Time
97.2%
Confidence
18 agents agreed — 203ms total
Approved · disbursed · logged ✓
The agent roster
18 specialist agents.
One unified intelligence.
Every agent is a purpose-built AI model trained on millions of domain-specific decisions. They share a unified member knowledge graph, communicate their findings to each other, and coordinate to make holistic decisions that no single model could reach alone.
🔍
KYC · 4min
KYC & Onboarding Agent
Identity · Liveness · Risk Profiling
Automates the entire KYC journey — document verification, liveness detection, sanctions screening, PEP checks, and risk tier assignment — completing full onboarding in under 4 minutes for verified members globally, with tiered re-verification triggered by behaviour changes.
4-minute onboarding globally
15+ document types · 180 countries
🛡️
AML · Real-time
AML & Compliance Agent
Transaction Monitoring · Sanctions · SAR
Monitors every transaction in real time against FATF patterns, sanctions lists, and institution-defined rules — generating alerts, escalating suspicious cases, auto-filing SARs, and producing regulatory reports for 60+ frameworks across 180 countries without manual intervention.
Real-time FATF pattern detection
Auto SAR filing · 60+ frameworks
💰
Treasury · 24/7
Treasury & Liquidity Agent
LCR · NSFR · ALM · Forecasting
Monitors liquidity ratios, manages overnight position, optimises short-term investments, and forecasts funding gaps 48–72 hours ahead — with autonomous rebalancing within board-approved limits and escalation when thresholds approach, working 24 hours a day without human input.
24/7 LCR / NSFR monitoring
72-hour funding gap foresight
📣
Cross-sell · 3.1×
Product Recommendation Agent
Propensity · Lifecycle · Cross-sell
Identifies the right product for each member at the right moment — analysing lifecycle stage, behaviour patterns, capacity signals, and peer benchmarks to surface personalised recommendations for savings products, loans, insurance, and investments precisely when the member is most likely to act.
3.1× higher product uptake
Lifecycle-aware, never pushy
⚙️
Operations · Live
Operations Intelligence Agent
Process Mining · Anomaly · Efficiency
Monitors every operational process for anomalies — unusual teller patterns, approval velocity outliers, system latency spikes, and process bottlenecks — flagging issues before they become failures and surfacing optimisation opportunities that reduce operating costs over time globally.
Process anomaly detection · live
Ops cost reduction insights
🌐
Multi-Branch · Global
Multi-Branch Coordination Agent
Network · Routing · Load · Settlement
Coordinates operations across every branch, agent, and channel simultaneously — intelligent transaction routing, inter-branch settlement, shared liquidity management, and staff allocation optimisation based on predicted transaction volumes for each location globally.
Unlimited branches coordinated
Real-time inter-branch settlement
Developer-first
Query the AI brain
via one unified API
Direct API access to every agent's reasoning — query decisions in real time, subscribe to agent events, or embed AI intelligence into your own applications and workflows via the zung.ai Intelligence API.
POST /v1/intelligence/decide
// Query Intelligence Engine
const decision = await zung.intelligence.decide({
context: "loan_application",
member_id: "mbr_9kx2",
amount: 5000,
agents: ["credit", "fraud", "aml"],
explain: true
});
// Response · 203ms
{
"decision": "approve",
"confidence": 0.972,
"agents_agreed": 18,
"shap_drivers": [{...}],
"audit_id": "aud_x8kz"
}
const decision = await zung.intelligence.decide({
context: "loan_application",
member_id: "mbr_9kx2",
amount: 5000,
agents: ["credit", "fraud", "aml"],
explain: true
});
// Response · 203ms
{
"decision": "approve",
"confidence": 0.972,
"agents_agreed": 18,
"shap_drivers": [{...}],
"audit_id": "aud_x8kz"
}
Real-time agent event streams
Subscribe to decision events from any agent — fraud alerts, credit approvals, risk escalations — pushed to your systems via webhook the instant the agent acts.
Explainability API
Request SHAP-based explanations for any decision — which signals drove the outcome, with what weight — for member communication, regulator review, or credit officer context.
Human-in-the-loop override API
Credit officers can review, accept, modify, or override any AI decision via API — with all human decisions logged alongside AI decisions for comparative model improvement.
AI governance & trust
Autonomous AI that regulators
can inspect and trust
Every decision the zung.ai Intelligence Engine makes is explainable, auditable, and documented — meeting the AI governance expectations of central banks, prudential regulators, and international standards bodies globally, while maintaining the speed and scale that only AI can deliver.
Explainable AI — SHAP on Every Decision
Immutable Pre-Action Audit Log
SR 11-7 Model Validation Aligned
Human Override at Every Decision Point
Bias & Fairness Monitoring — Weekly
SOC 2 Type II · ISO 27001
Decision Explainability
Every AI decision accompanied by SHAP-based explanation — ranked factor contributions in plain language, available to credit officers, members, and regulators on demand.
Immutable Audit Trail
Every decision logged with full context before any action is taken — tamper-proof record covering the agent consensus, confidence score, human overrides, and outcome for every decision globally.
Continuous Model Monitoring
AUC, Gini, PSI, and KS tracked weekly per agent — automatic drift detection with retraining triggers when performance degrades, maintaining accuracy as market conditions evolve globally.
Fairness & Bias Auditing
Weekly fairness audits across gender, age, income, and geography — ensuring no segment is systematically disadvantaged by AI decisions, with automatic flag and review when disparate impact is detected.
Integrations
The intelligence engine connects
to your entire data ecosystem
The Intelligence Engine enriches its models with external data sources — credit bureaux, identity providers, market data feeds, mobile money networks, and macroeconomic databases — across every market it operates in globally.
Experian
TransUnion
Equifax
CreditInfo
World Bank Data
Bloomberg
Refinitiv
M-Pesa · MTN MoMo
Jumio · Onfido
Smile Identity
ACORN / BI data
+150 more
Intelligence that scales with your institution
84 million decisions.
Every one explainable.
Join 500+ financial institutions using the zung.ai Intelligence Engine to make 84M+ autonomous decisions daily — approving loans in 8 seconds, blocking fraud in 300ms, detecting defaults 90 days early, and coaching 12M+ members toward better financial outcomes across 180 countries.
18 AI agents
200ms decisions
Explainable AI
SOC 2 Type II