●Core Banking Fabric GLOBAL · LIVE
◆Institutions Powered 500+ worldwide
●Uptime SLA 99.99%
◆Countries Deployed 180+
●Members Served 12M+ globally
◆Institution Types SACCO · MFI · Bank · Cooperative
●Transactions/Day 142M+ processed
◆Go-Live Speed 6 weeks average
●AI Modules 18 live intelligence layers
◆Open APIs 300+ connectors
●Core Banking Fabric GLOBAL · LIVE
◆Institutions Powered 500+ worldwide
●Uptime SLA 99.99%
◆Countries Deployed 180+
●Members Served 12M+ globally
◆Institution Types SACCO · MFI · Bank · Cooperative
●Transactions/Day 142M+ processed
◆Go-Live Speed 6 weeks average
●AI Modules 18 live intelligence layers
◆Open APIs 300+ connectors
zung.ai Global · Core Banking Fabric
The infrastructure
financial institutions
are built on.
zung.ai's Core Banking Fabric is the unified AI-native infrastructure platform that powers SACCOs, Microfinance Institutions, Cooperative Banks, Credit Unions, and Digital Banks globally — delivering every banking function from member onboarding to payments, lending, compliance, and AI intelligence in one composable, cloud-native platform built for the world's most underserved financial markets.
KM
JA
RL
+
Trusted by 500+ institutions serving 12M+ members across 180 countries
AI Intelligence Layer
Risk · Wealth · Nudge · Scoring · Agents · Fraud
Application Layer
Lending · Savings · Payments · KYC · Treasury
Data & Integration Layer
Open APIs · Webhooks · 300+ Connectors
Cloud Infrastructure
Multi-cloud · Multi-region · 99.99% SLA
142M
Txns/Day
99.99%
Uptime
12M+
Members
Lending
Payments
AI Risk
Treasury
KYC
Compliance
500+ institutions — one fabric
Live in 6 weeks ✓ 180 countries
Built for
S
SACCOs
M
Microfinance
C
Cooperatives
B
Community Banks
D
Digital Banks
+
Credit Unions
By the numbers
The fabric powering inclusive finance globally
From a 50-member village SACCO in rural Ghana to a 500,000-member cooperative network in Southeast Asia — zung.ai's Core Banking Fabric scales to every institution, every member size, and every regulatory environment without custom development or lengthy implementation timelines.
500+
Financial institutions powered globally
180+
Countries with active deployments
12M+
Members and customers served
6 wks
Average time from contract to live
Core banking modules
Everything a financial institution
needs, in one fabric
A composable suite of deeply integrated modules — start with the ones you need today, activate more as your institution grows. Every module shares the same data model, the same AI intelligence layer, and the same open API gateway. No silos, no duplicate data, no integration headaches.
Member & Account Management
Complete member lifecycle management — digital onboarding, AI-powered KYC and identity verification, account creation, share capital management, group membership, and account maintenance — with automated tiered KYC across every jurisdiction your institution operates in globally.
Tiered KYC · Global
Loan Origination & Management
End-to-end loan lifecycle from application to closure — AI credit scoring, automated underwriting, disbursement, repayment scheduling, early warning collections, and restructuring. Supports individual loans, group lending, emergency credit, agricultural finance, and SME business credit globally.
AI Underwriting
Savings & Deposit Products
Full savings product suite — regular savings, fixed deposits, goal-based savings, cooperative share capital, and term deposits — with AI-powered savings coaching, automated interest computation, and smart round-up and sweep features for every account type across all markets.
AI Savings Coach
Payments & Mobile Money
Comprehensive payments infrastructure — member-to-member transfers, bulk disbursements, merchant payments, bill payments, and mobile money integrations with M-Pesa, MTN MoMo, Airtel Money, Wave, and 12+ global networks — all via one unified intelligent payment gateway with smart routing.
15 Networks · Global
Compliance & Regulatory Reporting
Automated compliance monitoring and regulatory report generation for 60+ frameworks across 180 countries — AML/CFT screening, central bank returns, Basel III/IV, IFRS 9, KYC CDD/EDD, FATF requirements — with zero manual preparation and zero missed regulatory deadlines globally.
60+ Frameworks
Analytics & Business Intelligence
Real-time operational dashboards, portfolio analytics, member behaviour insights, and AI-generated management reports — surfacing what's happening across every product, branch, and member segment with drill-down from network level to individual account. Board-ready reports auto-generated monthly.
Real-time AI BI
How it works
From zero to live core banking
in six weeks
01
Configuration & data migration
Our implementation team maps your existing chart of accounts, product configurations, member data, and loan portfolio to the zung.ai Fabric — with zero-downtime data migration tools that move your entire data history without a single weekend outage or service interruption.
Zero Downtime
02
Module activation & testing
Modules are activated in priority order based on your institution's needs — lending, savings, payments, compliance first; AI intelligence layers, advanced analytics, and channel integrations layered in progressively. Each module tested in parallel with your live system before cutover.
Parallel Testing
03
Staff training & channel launch
Role-based training delivered in your team's local languages — tellers, loan officers, branch managers, and system administrators each get tailored training tracks. Member-facing channels (USSD, WhatsApp, mobile app) go live simultaneously with the core, not months later.
Local Language
04
Go-live, support & continuous AI improvement
24/7 hypercare support for the first 90 days post-launch — dedicated implementation manager on call, real-time monitoring dashboards, and instant escalation protocols. AI models start learning your portfolio immediately, getting smarter with every transaction processed on the fabric.
24/7 Hypercare · 90 Days
zung.ai Fabric
● LIVE
✓ Migrate
⟳ Activate
Train
Launch
Data Migration — Complete
Members migrated24,800 ✓
Loan accounts8,341 ✓
Transaction history5 years ✓
DowntimeZero ✓
MIGRATION COMPLETE · VALIDATION 100% · GO-LIVE READY
Module Activation — Progress
✓Member Management + KYCLive
✓Loan Origination EngineLive
⟳Payments GatewayTesting
AI Risk IntelligenceQueued
Staff Training — Underway
Tellers trained12 / 12 ✓
Loan officers8 / 10 ⟳
Branch managers4 / 4 ✓
Training languageTwi + English
Go-Live — Day 1 Stats
2,841 TRANSACTIONS · ZERO ERRORS · AI LEARNING ACTIVE
6wks
Go-Live
Zero
Downtime
24/7
Support
Go-live — Week 6 on schedule
Zero downtime migration ✓
Institution types
One fabric. Every
financial institution type.
zung.ai is a global platform designed to serve the full diversity of financial institutions that reach underserved communities — each configured for the specific regulatory, operational, and product requirements of that institution type and market.
SACCOs & Cooperatives
Africa · Asia · Latin America · Pacific · Europe
Built for the cooperative ownership model — share capital management, member dividend computation, cooperative governance workflows, group savings, group lending, and the democratic financial structures that make cooperatives unique globally.
Share capital & dividend automation
Group lending & guarantor management
Cooperative governance workflows
Microfinance Institutions
Global · 180+ Countries
Purpose-built MFI functionality — solidarity group lending, progressive loan products, village banking models, field officer mobile apps, repayment tracking at collection point, and CGAP/MIX market reporting standards built in globally.
Solidarity group & village banking
Field officer mobile application
MIX Market & CGAP reporting
Community & Rural Banks
Africa · Asia · Latin America · Pacific
Full commercial banking functionality for community-focused institutions — current accounts, term deposits, trade finance, SME lending, multi-branch management, and teller operations — with central bank regulatory reporting for every jurisdiction served globally.
Full commercial banking suite
Multi-branch & teller operations
Central bank regulatory reporting
Digital & Neo Banks
Global · Mobile-First · API-Native
API-first core banking for digital-native institutions — instant account opening, card issuance, real-time payments, embedded finance APIs, and BaaS infrastructure for fintechs building financial products on top of the zung.ai fabric globally.
Instant digital account opening
BaaS & embedded finance APIs
Real-time payments & card management
Agricultural Finance
Africa · Asia · Latin America · Global
Season-aware lending and savings designed for agricultural communities — crop cycle loan scheduling, weather-indexed products, input finance, produce off-take payment rails, and field-based KYC for smallholder farmers without formal ID documentation globally.
Crop-cycle loan scheduling
Input finance & off-take payments
Field-based KYC for farmers
Multi-Country Networks
Regional Federations · Global Networks
Central oversight with local autonomy — manage a network of SACCOs, MFIs, or cooperative banks from one platform, with shared liquidity, network-level risk dashboards, cross-institution settlement, and individual institution regulatory compliance in every country simultaneously.
Network-level portfolio oversight
Cross-institution settlement
Per-country regulatory compliance
Developer-first
Build on the fabric
with one open API
300+ REST API endpoints covering every banking operation — member management, loans, savings, payments, compliance, and AI intelligence — plus event-driven webhooks, SDK libraries in 6 languages, and a developer sandbox for every integration.
POST /v1/loans/originate
// Originate a loan via API
const loan = await zung.loans.originate({
member_id: "mbr_9kx2",
product: "solidarity_group",
amount: 5000,
currency: "GHS",
tenor_months: 12,
ai_score: true
});
// Response · 1.4s
{
"loan_id": "ln_48x2",
"ai_score": 742,
"decision": "approved",
"rate": 0.18,
"disbursement_eta": "2h"
}
const loan = await zung.loans.originate({
member_id: "mbr_9kx2",
product: "solidarity_group",
amount: 5000,
currency: "GHS",
tenor_months: 12,
ai_score: true
});
// Response · 1.4s
{
"loan_id": "ln_48x2",
"ai_score": 742,
"decision": "approved",
"rate": 0.18,
"disbursement_eta": "2h"
}
300+ REST API endpoints
Every banking operation — member, loan, savings, payment, compliance, AI — available as a clean REST endpoint with full OpenAPI documentation, sandbox, and Postman collections.
Real-time event webhooks
Subscribe to 80+ banking events — loan disbursed, payment received, risk alert triggered, compliance flag raised — and build real-time integrations without polling.
White-label mobile & USSD SDKs
Pre-built iOS, Android, and USSD SDKs — fully branded to your institution. Launch a complete member banking app in weeks without building from scratch.
Global compliance
Regulatory compliance in
every market, built in
The zung.ai Core Banking Fabric ships with regulatory compliance frameworks for 180 countries pre-configured — so your institution launches compliant from day one, regardless of which country, which regulator, or which compliance standard applies to your operations.
AML / CFT — FATF Global Standards
IFRS 9 ECL & Loan Staging
Basel III / IV Capital Adequacy
Central Bank Reporting — 60+ Markets
SOC 2 Type II · ISO 27001
GDPR / NDPR / Regional Privacy Laws
AML / Sanctions Screening
Real-time transaction monitoring and sanctions screening against OFAC, UN, EU, and 15+ local watchlists — integrated into every payment and new member onboarding flow globally.
Automated Regulatory Reports
Monthly, quarterly, and annual regulatory returns auto-generated and formatted for each jurisdiction's central bank, cooperative regulator, or supervisory authority — zero manual compilation.
Immutable Audit Trail
Every transaction, configuration change, and user action logged immutably with full timestamping and user attribution — regulator-ready audit evidence always available on demand.
Data Sovereignty & Residency
Data residency options for every major jurisdiction — in-country hosting for markets with data localisation requirements, with full encryption at rest and in transit across all deployments.
Integrations
Connects to everything
your institution already uses
300+ pre-built connectors to payment rails, mobile money networks, credit bureaux, identity verification providers, accounting systems, and communication platforms — across every major market globally.
M-Pesa
MTN MoMo
Airtel Money
Wave Money
SWIFT GPI
Visa / Mastercard
Flutterwave
Africa's Talking
Twilio USSD/SMS
WhatsApp Business
Experian / CRB
QuickBooks / Sage
Salesforce CRM
Power BI / Tableau
+280 more
The infrastructure your institution needs
From first member to
a million — one fabric.
Join 500+ financial institutions using zung.ai's Core Banking Fabric to serve 12M+ members across 180 countries — whether you're launching a new SACCO in Southeast Asia, scaling a microfinance network in West Africa, or building a digital bank in Latin America. One platform. Zero compromises.
Live in 6 weeks
180 countries
99.99% uptime
SOC 2 Type II