Industry · Fintech & Banking

AI that thinks in shillings,
moves at settlement speed.

Production-grade AI for banks, SACCOs, mobile-money operators, and lenders. Audit-trail first, regulator-ready, built on stacks your risk team already trusts.

Where the leverage is
Three compounding constraints every retail or business-banking operator in this region feels.
01

KYC & onboarding drag

Manual document verification burns agent hours and frustrates customers who abandon at step three. Every dropped enquiry is a customer won by someone with a faster flow.

02

Fraud at M-Pesa speed

Rule-based systems miss coordinated attacks while blocking legitimate transactions. The asymmetry between attacker and defender keeps widening.

03

Thin-file credit decisioning

Traditional bureau data doesn't describe the eighty percent of customers who actually need credit. Declining them is easy; pricing them correctly is the hard part.

What AI actually does here
Grounded in the regulation, data realities, and customer behaviour that actually shape this sector locally.

KYC & AML workbench

OCR and LLM verification of national ID, passports, KRA PIN, and utility bills, with watchlist sanction checks and an auditor-ready case file per customer.

Real-time transaction monitoring

Graph and ML models that score M-Pesa, card, RTGS, and SWIFT flows in milliseconds, surfacing coordinated rings that human analysts miss.

Alternative-data credit scoring

Mobile-money history, till data, SMS signals, and behavioural telemetry composed into a risk score calibrated against your portfolio's actual defaults.

Conversational banking agent

Swahili and English agents for balances, statements, card issues, and dispute intake — with seamless handoff to human agents on escalation.

Dispute & chargeback automation

Structured case-file generation, evidence assembly, and Visa/Mastercard response drafting — compressing the thirty-day window to hours.

Regulatory reporting copilot

CBK, IRA, and CMA returns prepared from source systems with explainability and variance analysis the chief compliance officer can defend.

Three ways in
Right-sized engagements — from a 2-week audit to a multi-quarter programme. Pick the one that matches where you are.
Audit

AI Audit

From $2,500 · 2 weeks

Portfolio scan across your current workflows. Bottleneck mapping, ROI model, and a prioritised roadmap your team can actually execute.

Start here
Build · Most popular

AI Integration

From $7,500 · 6–10 weeks

One high-leverage use case taken to production. Guardrails, observability, and handover documentation your team can own after we leave.

Start here
Scale

AI Transformation

From $15,000 · multi-quarter

Cross-functional programme with embedded model ops, monitoring, and change management. Built to live past our engagement.

Start here

Talk to us about fintech

Sixty minutes. Bring a problem. Leave with a map.