● AI Decision Engine ACTIVE
◆ Credit Score Model 97.3% accuracy
● KYC Verification < 90 seconds
◆ Fraud Detection Real-time
● Open Banking 2,400+ connections
◆ Regulatory Compliance Auto-enforced
● Decisioning Speed 2.4 seconds
◆ Portfolio Health Excellent
● AI Decision Engine ACTIVE
◆ Credit Score Model 97.3% accuracy
● KYC Verification < 90 seconds
◆ Fraud Detection Real-time
● Open Banking 2,400+ connections
◆ Regulatory Compliance Auto-enforced
● Decisioning Speed 2.4 seconds
◆ Portfolio Health Excellent
zung.ai · Smart Loan Origination
Intelligent
loan origination
at machine speed
End-to-end AI-powered lending from application to disbursement. Decisions in seconds, compliance built-in, portfolios that perform.
BF
KM
AO
+
Trusted by 340+ financial institutions across 28 markets
Loan AmountKES 150,000
ApplicantJane W. Njoroge
ProductBusiness Loan · 12mo
AI UNDERWRITING IN PROGRESS...
742
AI Credit Score
✓ Low Risk · Approve
28s
Avg Decision
99.2%
Accuracy
40%
Less Default
Loan approved — KES 150,000
Fraud check passed ✓
Decisioning Time
2.4s
avg. real-time
Approval Rate Lift
34%
vs. legacy systems
Default Reduction
42%
AI risk modeling
Cost per Loan
-68%
automation savings
By the numbers
Loan origination that performs at scale
From application to disbursement in seconds — zung.ai's AI engine makes every lending decision faster, smarter, and more accurate than legacy systems.
Loans Processed
4.7M+
↑ 2.1M YoY
Capital Deployed
$28B+
↑ 40% growth
Financial Institutions
340+
across 28 markets
Compliance Frameworks
60+
auto-enforced
The loan journey
reimagined
From application intake to disbursement — every step automated, auditable, and AI-optimized.
Smart Application
Adaptive forms that pre-fill from open banking and auto-validate data.
AI-assisted
Instant KYC / AML
Biometric verification and watchlist screening in under 90 seconds.
< 90s
Credit Intelligence
ML scoring using 2,400+ behavioral and alternative data signals.
ML-powered
AI Decision
Automated approve / decline / refer with explainable AI rationale.
2.4s avg
Disburse & Monitor
Same-day funding with continuous post-origination portfolio monitoring.
Same-day
AI-Powered Core Banking · Loan Origination
Approve loans in
seconds,
not days
zung.ai's intelligent loan origination engine automates credit scoring, document verification, fraud detection, and disbursement — end-to-end, in under 30 seconds. Built for banks, MFIs, SACCOs, and digital lenders across Africa and beyond.
BD
MK
AF
+
Trusted by 80+ lenders processing $2B+ in loans annually
Loan Amount
KES 150,000
Applicant
Jane W. Njoroge
Product
Business Loan · 12mo
AI UNDERWRITING IN PROGRESS...
742
AI Credit Score
✓ Low Risk · Approve
28s
Avg Decision
99.2%
Accuracy
40%
Less Default
Loan approved — KES 150,000
Fraud check passed ✓
Integrated with
Backbase
Temenos
Finacle
Mambu
Open Banking
AWS
By the numbers
Loan origination that performs at scale
From application to disbursement in seconds — zung.ai's AI engine makes every lending decision faster, smarter, and more accurate than legacy systems.
28s
Average end-to-end
loan decision time
loan decision time
99.2%
Credit model
accuracy rate
accuracy rate
2B+
USD in loans
processed annually
processed annually
40%
Reduction in
default rates
default rates
Core capabilities
Everything your lending team
has ever wanted
A unified AI engine that handles every layer of the loan lifecycle — from first application to final disbursement — without manual bottlenecks.
AI Credit Scoring
Bureau-free and bureau-augmented credit scoring using 500+ alternative data signals — mobile money history, utility payments, behavioral patterns, and open banking data.
500+ Data Signals
Document Intelligence
Automated extraction and verification of payslips, bank statements, business financials, and tax returns using adaptive OCR trained on African document formats.
Auto-Verified
Real-Time Fraud Detection
Multi-layer fraud intelligence detects synthetic identities, income falsification, device spoofing, and collusive networks before a loan is approved — not after.
Pre-Approval Check
Risk Decisioning Engine
No-code policy builder lets your credit team configure custom scorecards, loan amount limits, tenure rules, and approval thresholds — without engineering resources.
No-Code Builder
Open Banking Integration
Live bank statement analysis via open banking APIs across 12+ African markets. Automated income verification, cash flow scoring, and liability detection in real time.
12+ Markets
Straight-Through Processing
Fully automated disbursement pipeline from approval to funds transfer — integrated with mobile money (M-Pesa, MTN MoMo, Airtel), bank rails, and RTGS systems.
Auto-Disbursement