● AI Savings Engine ACTIVE
◆ Auto-Save Rules Triggered · 2,847 today
● Interest Optimisation +18% avg yield
◆ Goal Completion Rate 94.7%
● Behavioural Nudges Real-time
◆ Round-Up Engine $1.2M saved today
● Sweep Intelligence Optimising rates
◆ Portfolio Health Excellent
● AI Savings Engine ACTIVE
◆ Auto-Save Rules Triggered · 2,847 today
● Interest Optimisation +18% avg yield
◆ Goal Completion Rate 94.7%
● Behavioural Nudges Real-time
◆ Round-Up Engine $1.2M saved today
● Sweep Intelligence Optimising rates
◆ Portfolio Health Excellent
AI-Powered Core Banking · Savings Intelligence

Grow your
customers'
wealth on autopilot

zung.ai's savings intelligence engine automates goal creation, behavioural nudges, interest optimisation, and round-up savings — turning passive account holders into active savers across every channel.

Request a Demo → View API Docs
AW
NK
OM
+
Trusted by 90+ banks & fintechs managing $5B+ in savings
● LIVE
Total Savings Portfolio
KES 284,760
↑ +18.4% this year
AI Insight — Round-Up Active
SAVING KES 847 FROM 23 TRANSACTIONS...
🏠
Home Deposit72%
🎓
Education Fund45%
✈️
Holiday91%
94.7%
Goal Rate
+18%
Avg Yield
3.2×
More Saved
Round-up saved — KES 847
Goal on track ✓
Integrated with
By the numbers

Savings that compound at scale

zung.ai's AI savings engine turns transactional banking customers into consistent savers — boosting deposits, reducing churn, and driving long-term loyalty.

3.2×
More money saved
vs. manual savers
94.7%
Savings goal
completion rate
5B+
USD in savings
assets managed
18%
Average yield lift
via rate optimisation
Core capabilities

Everything your depositors
have ever wanted

A unified AI savings engine that automates every layer of the savings experience — from first transaction to financial freedom — without manual configuration.

AI Behavioural Nudges
Personalised saving prompts triggered by spending patterns, payday cycles, and life events. Delivered via push, SMS, or in-app with proven behavioural science frameworks to drive action — not just awareness.
+3.2× Savings Rate
Automated Round-Up Engine
Round every purchase up to the nearest unit and sweep the spare change into savings goals automatically. Configurable rounding rules — 1×, 2×, 5× or custom multipliers per customer segment.
Micro-savings
Smart Interest Optimisation
AI automatically sweeps idle balances into the highest-yielding eligible products in real time — money market funds, fixed deposits, or treasury bills — based on customer profile and regulatory constraints.
+18% Avg Yield
Goal-Based Savings Engine
Customers define goals (home, education, travel, emergency fund) and the AI sets personalised savings schedules, tracks progress, and reoptimises contribution amounts to keep them on track — automatically.
94.7% Goal Rate
Payday Auto-Save Rules
Detect salary credits via open banking and instantly sweep a configured percentage into savings before the customer can spend it. Pay-yourself-first automation that works across 15+ African mobile money and bank networks.
Pay-Yourself-First
Savings Analytics Dashboard
Real-time portfolio view across all savings products — deposits, goals, funds. Cohort analysis, churn prediction, and product uptake heatmaps to help your deposit team grow balances intelligently.
Full Analytics
How it works

From transaction to
wealth — automatically

01
AI profiles spending behaviour
Open banking feeds give the AI a real-time view of income, spending patterns, and cash flow cycles — building a personalised savings capacity model for every customer.
Real-time
02
Round-ups & rules trigger
Every qualifying transaction triggers a micro-save. Payday sweeps, round-ups, and spending-limit rules all execute automatically — no customer action required.
Auto-Save
03
AI sweeps to highest yield
Idle balances are automatically swept into the best eligible product — fixed deposits, money market funds, or treasury bills — maximising yield within the customer's liquidity constraints.
+18% Yield
04
Goals track & nudge
The AI monitors goal progress and sends personalised nudges when customers fall behind schedule — celebrating milestones and reoptimising contribution amounts to keep them on track.
94.7% Rate
● LIVE
✓ Profile ⟳ Round-Up Sweep Goals
Spending Intelligence — Live Feed
Savings Capacity Score
87 / 100
↑ High Savings Potential Detected
Monthly Income KES 95,000
Avg Monthly Spend KES 61,400
AI Savings Headroom KES 33,600
Round-Up Engine — Today
☕ Java House
KES 450+50 saved
⛽ Total Energies
KES 3,780+220 saved
🛒 Naivas
KES 2,340+160 saved
🚕 Bolt
KES 285+15 saved
Today's Round-ups KES 445 ✓
Yield Optimisation — Sweeping
12.4%
Current Best Rate
KES 48,200
Being Swept
T-Bill 91-Day12.4% p.a.
Money Market Fund11.8% p.a.
Fixed Deposit 30-Day10.5% p.a.
Goal Tracker — AI Optimised
Home Deposit · On Track ✓
72%
AI nudge sent ✓ On track
AI RECOMMENDATION
Increase monthly save by KES 3,200 to reach goal 3 months early
3.2×
More Saved
+18%
Avg Yield
94.7%
Goal Rate
Swept to 12.4% T-Bill
Goal on track ✓
Savings products

Every savings product,
AI-powered

Deploy the full suite of savings products — each with embedded AI that optimises allocation, maximises yield, and personalises the experience for every customer segment.

🏦
Demand Deposit
AI-managed current & savings accounts with automatic round-up, payday sweeps, and behavioural nudges to boost balances without any friction.
3.5% p.a.
Base Rate
Instant Access
📈
Money Market Fund
Auto-sweep idle balances into institutional MMFs. AI selects the highest-yielding eligible fund in real time based on customer profile and regulatory classification.
11.8% p.a.
Current Yield
AI-Allocated
🏛️
Treasury Bills
Direct access to 91-, 182-, and 364-day government securities. AI matches customer liquidity needs to optimal tenors and automates rollover at maturity.
12.4% p.a.
91-Day Rate
Govt. Secured
🔒
Fixed Deposits
Automated tenure selection and rollover. AI analyses customer cash flow to recommend optimal lock-up periods that maximise yield without creating liquidity stress.
10.5% p.a.
30-Day Rate
Optimised Tenor
🎯
Goal-Based Savings
Customers create named goals — home, education, emergency fund — and AI sets personalised contribution schedules, tracks progress, and sends milestone nudges.
94.7% rate
Goal Completion
AI-Coached
🪙
Round-Up Savings
Every transaction rounded up to the nearest threshold. Configurable multipliers per segment — 1×, 2×, or 5×. Works across M-Pesa, card, bank transfer, and USSD.
3.2× more
vs. Manual Savers
Micro-Savings
Trust & compliance

Regulation built in,
not bolted on

zung.ai enforces deposit and investment regulations automatically across all markets, with immutable audit trails and real-time regulatory reporting built in.

Deposit Protection Compliance
CMA Investment Regulations
GDPR & Data Privacy
AML / KYC Integration
SOC 2 Type II · ISO 27001
CBK / CBN / SARB / BoG
Deposit Insurance Tracking
Automatically enforces per-customer deposit protection limits and flags breaches in real time.
Investment Suitability
AI scores every customer against CMA suitability rules before allocating to regulated investment products.
Immutable Audit Log
Every savings rule, sweep, and customer interaction stored tamper-proof with full explainability for regulators.
Automated Regulatory Reports
Savings portfolio reports generated automatically for CBK, CBN, SARB and other regulators on schedule.
Integrations

Connects with your entire stack

REST APIs and pre-built connectors for every core banking system, mobile money network, investment platform, and data provider — live in weeks.

Start growing deposits today

Turn every customer
into an active saver

Join 90+ banks and fintechs using zung.ai to grow deposit balances, reduce churn, and deliver AI-powered savings experiences your customers love.

Book a Live Demo → View API Docs
No setup fees Live in 6 weeks SOC 2 Type II 99.99% uptime SLA