●Omnichannel Platform GLOBAL · LIVE
◆Channels Supported 9 natively
●Session Continuity Across all channels
◆WhatsApp Members 284K active daily
●Open Banking APIs 300+ endpoints
◆Third-Party Integrations Live in hours
●Channel Switch Rate 74% switch mid-session
◆Countries 180 globally
●Omnichannel Platform GLOBAL · LIVE
◆Channels Supported 9 natively
●Session Continuity Across all channels
◆WhatsApp Members 284K active daily
●Open Banking APIs 300+ endpoints
◆Third-Party Integrations Live in hours
●Channel Switch Rate 74% switch mid-session
◆Countries 180 globally
zung.ai Global · Omnichannel & Open Finance
Your members.
Every channel.
One AI experience.
zung.ai delivers a single, continuous AI banking experience across every channel your members already use — WhatsApp, USSD, SMS, mobile app, web, voice, Telegram, agent, and branch. Switch channel mid-transaction, context never lost. Open banking APIs make your institution's data and services available to any partner, embedded in any app, globally.
KA
NM
SR
+
9 channels · 49 languages · 300+ open APIs · 180 countries globally
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WhatsApp
USSD
SMS
App
Ninataka kutuma pesa kwa mama yangu
Habari! Tuma kwa nani? Andika jina au nambari.
Grace Wanjiru · KES 3,000
✅ KES 3,000 imetumwa kwa Grace Wanjiru. Salio: KES 21,850.
9
Channels
49
Languages
Zero
Re-entry
9 channels — one AI memory
Context never lost on channel switch ✓
Channels
W
WhatsAppU
USSDS
SMSA
Mobile AppV
Voice IVR+
4 MoreOmnichannel at scale
One AI experience across every channel
74% of members switch channels mid-session — starting a loan application on USSD, continuing on WhatsApp, completing on the mobile app. zung.ai handles every switch without losing a single piece of context, globally, in 49 languages.
9
Member-facing channels natively supported
74%
Members who switch channels mid-session globally
300+
Open banking API endpoints available
89%
Queries resolved by AI across all channels
Platform capabilities
Every channel. Open APIs.
Embedded everywhere.
A unified omnichannel platform and open finance infrastructure — so members reach you any way they choose, partners embed your services anywhere, and every interaction is powered by the same AI intelligence layer globally.
Cross-Channel Session Continuity
A member who starts a loan application on USSD, continues on WhatsApp, and completes on the mobile app faces zero re-entry. One AI memory shared across all 9 channels — tracking conversation history, declared goals, and transaction context — so every interaction feels like one continuous conversation regardless of how or where the member connects globally.
Zero Re-entry · 9 Channels
WhatsApp, USSD, SMS & Voice
Native integrations with WhatsApp Business API, USSD gateways, SMS networks, and voice IVR — each channel format-aware, each delivering the same AI banking intelligence. WhatsApp gets rich media and buttons. USSD gets dynamic menus. SMS gets conversational two-way. Voice gets natural language. All in 49 languages globally.
49 Languages · Native
Mobile & Web Banking App
White-label mobile banking app (iOS & Android) and responsive web portal — branded to your institution, pre-integrated with the full zung.ai product suite. Members access every banking service, AI-powered insights, wealth projections, and personalised nudges from one intuitive app globally in any market.
White-Label · iOS & Android
Open Banking API Gateway
300+ REST APIs exposing every banking operation — member data, accounts, loans, payments, AI scores — to authorised third parties via a standards-compliant open banking gateway. Fintechs, payment providers, and enterprise partners integrate with your institution in hours, not months, globally with full consent management.
300+ APIs · Consent-Managed
Banking-as-a-Service (BaaS)
Expose your institution's regulated banking infrastructure as a service — allow fintechs, telcos, retailers, and platforms to offer branded savings accounts, loan products, and payment services powered by your licence and zung.ai's AI core. New revenue streams without new regulatory overhead globally.
BaaS · New Revenue
Embedded Finance & Partner Ecosystem
Embed your financial products — loans, savings, insurance, payments — directly into third-party apps, e-commerce platforms, and enterprise software via lightweight SDKs and iFrame components. Your brand, your products, inside every partner's customer experience globally without the partner needing a banking licence.
SDK · iFrame · Embedded
How it works
One member. Every channel.
One continuous experience.
01
Member connects on any channel
The member reaches your institution on whatever channel is most convenient — WhatsApp from a market stall, USSD from a basic phone in a rural area, mobile app from a city apartment, voice IVR from a taxi. The entry point doesn't matter. The AI is ready on all of them, in 49 languages, 24 hours a day globally.
Any Channel · 24/7 · 49 Lang02
AI serves them from a unified memory
Every interaction is handled by the same AI intelligence layer — accessing the member's complete history, profile, declared goals, and live account data regardless of which channel they're on. There's no separate WhatsApp system and mobile app system. One AI brain, nine channels, one seamless experience globally.
Unified AI · One Memory03
Member switches — context follows
A member starts a loan application on USSD because that's what was available, then switches to WhatsApp when they get connectivity to upload documents, then completes on the app to sign. At each step they're exactly where they left off — no "start from scratch", no "which system has my application". The context travels with them globally.
Zero Re-entry · Seamless04
Partners access via open APIs
Authorised third parties — fintechs, telcos, retailers, enterprise platforms — access your members' consented data and your product catalogue via open banking APIs. Your institution appears inside their products, reaching new customers through partner channels without your members needing to switch apps or visit branches globally.
Open APIs · Partners · BaaS
zung.ai Channels
● 9 LIVE
✓ Connect
⟳ Serve
Switch
Open API
Member Connection — Any Channel
Channel detectedWhatsApp
LanguageSwahili (auto)
Member identifiedFatima N. ✓
AI ready0.3s ✓
9 channels49 languages
Unified AI Memory — Serving
Session historyLoaded · all channels
Active goalLoan application
AI contextComplete ✓
Response time1.1s
ONE AI · NINE CHANNELS · SAME MEMORY · SAME EXPERIENCE
Channel Switch — Context Preserved
📟 USSD
→
💬 WhatsApp
→
📱 App
Application progressStep 3/5 · preserved
Documents uploaded2/3 ✓
Re-entry requiredZero ✓
Open API — Partner Access
"member": "Fatima N.",
"balance": KES 21,850,
"loan_eligible": true,
"consent": "granted · fintech_xyz"
"balance": KES 21,850,
"loan_eligible": true,
"consent": "granted · fintech_xyz"
300+ APIsConsent-managed
9
Channels
Zero
Re-entry
300+
Open APIs
USSD → WhatsApp → App — zero re-entry
Context preserved across switch ✓
The 9 channels
Every channel your members
already use — connected.
zung.ai natively supports 9 member-facing channels — each format-aware, each powered by the same AI, each sharing the same member data model. Deploy all 9 simultaneously or start with the most relevant for your market.
WhatsApp Banking
Rich conversational banking via WhatsApp — buttons, lists, media, and natural language in 49 languages. The most used messaging app globally becomes a full banking channel with AI handling 89% of queries autonomously.
Rich media · buttons · lists
Business API green-tick verified
USSD Banking
Intelligent USSD sessions on any phone, no internet needed. Dynamic AI-generated menus, free-text interpretation, and complex multi-step transactions — reaching the truly last-mile member globally without a smartphone.
Any handset · zero internet
Widest reach possible
SMS Banking
Two-way SMS banking — balance enquiries, transfers, alerts, and personalised AI nudges delivered as conversational SMS. Works on every mobile phone, with delivery confirmation and two-way response handling globally.
Two-way conversational SMS
Proactive AI nudge delivery
Mobile Banking App
White-label iOS and Android banking app — full product access, AI wealth insights, personalised nudges, and real-time notifications. Branded to your institution, deployable globally within weeks of contract without custom development.
White-label · iOS & Android
Full AI intelligence suite
Web Banking Portal
Responsive web banking for desktop and mobile browsers — full account management, AI-powered dashboards, wealth projections, and document management — accessible without app download for members who prefer browser-first banking globally.
Responsive · no app needed
Full feature parity with app
Voice IVR + 3 More
Natural language voice banking in 20+ languages — plus Telegram, in-branch kiosk, and agent app — completing the 9-channel suite. Every channel sharing the same AI memory, same member data, and same omnichannel continuity globally.
Voice NLU · Telegram · Kiosk
Agent app included
Open Finance APIs
Your institution's data
available everywhere
300+ standards-compliant open banking API endpoints — letting authorised fintechs, telcos, and enterprise partners access member data (with consent), initiate payments, and offer your products inside their own apps globally.
GET /v1/openbanking/accounts
// Fetch accounts (PSD2-style, consent-gated)
const accounts = await fetch("/v1/openbanking/accounts", {
headers: {
Authorization: "Bearer <partner_token>",
Consent-ID: "con_9kx2"
}
});
// Response
{
"accounts": [{
"id": "acc_8x2k",
"balance": 21850,
"currency": "KES",
"consent_scope": "balances"
}]
}
const accounts = await fetch("/v1/openbanking/accounts", {
headers: {
Authorization: "Bearer <partner_token>",
Consent-ID: "con_9kx2"
}
});
// Response
{
"accounts": [{
"id": "acc_8x2k",
"balance": 21850,
"currency": "KES",
"consent_scope": "balances"
}]
}
🔑
Consent management built in
Every API call gated by explicit member consent — granted, scoped, and revocable by the member at any time. Full GDPR and open banking regulation compliance globally without partner effort.
⚡
Payment initiation API
Partners initiate payments — transfers, loan disbursements, bill payments — through your institution's payment infrastructure via API, with authorisation handled through the member's preferred channel globally.
🏗️
BaaS product embedding
Partners embed your savings products, loan offers, and insurance products directly in their apps via lightweight SDK — your institution's products, their customer base, revenue shared automatically globally.
Standards & compliance
Open banking that
regulators trust globally
The zung.ai open banking framework is aligned to the major open finance standards globally — PSD2 in Europe, UK Open Banking, CDR in Australia, Open Finance Brasil, and equivalent frameworks in 60+ markets — ensuring every partner integration is regulatory-ready.
PSD2 / UK Open Banking Aligned
Open Finance Brasil · CDR Australia
WhatsApp BSP Verified · Meta Partner
GDPR / NDPR / Local Privacy Laws
SOC 2 Type II · ISO 27001
Consent Audit Trail · Per Member
Consent Framework
Granular member consent — per data type, per partner, time-limited, and revocable instantly. Every consent grant logged immutably with the exact scope granted globally.
Strong Customer Authentication
SCA compliant — every high-value or sensitive API call requires re-authentication via the member's preferred channel: PIN, biometric, OTP, or push notification globally.
Partner Onboarding & KYB
Automated Know-Your-Business checks for every API partner before they access member data — ensuring only regulated, verified entities can participate in the open finance ecosystem globally.
API Rate Limiting & Monitoring
Per-partner rate limits, anomaly detection, and real-time API health monitoring — ensuring no partner can overwhelm your systems or access data beyond their consented scope globally.
Channel & partner integrations
Pre-integrated with every
channel platform globally
Native integrations with every messaging platform, mobile money network, payment rail, and fintech partner — your open finance ecosystem launches in days globally.
WhatsApp Business API
Twilio USSD/SMS
Africa's Talking
Telegram Bot API
InfoBip
Firebase Push
M-Pesa · MTN MoMo
Stripe · Flutterwave
Plaid · Tink
Salesforce · HubSpot
Temenos Open API
+200 more
Meet your members everywhere
9 channels. 49 languages.
One AI experience.
Join 500+ institutions using zung.ai's omnichannel platform — serving 12M+ members across WhatsApp, USSD, SMS, mobile app, web, voice, and agent — with session continuity across every switch, 300+ open banking APIs, and BaaS infrastructure for fintech partners across 180 countries globally.
9 channels
300+ open APIs
180 countries
SOC 2 Type II