● WhatsApp AI Agent ACTIVE
◆ USSD Sessions 4,821 live now
● AI Resolution Rate 94.3% no human
◆ Avg Response Time 1.2 seconds
● Languages Supported 48+
◆ Transactions via Chat $2.1M today
● USSD Uptime 99.99%
◆ Mobile Agents Running
● WhatsApp AI Agent ACTIVE
◆ USSD Sessions 4,821 live now
● AI Resolution Rate 94.3% no human
◆ Avg Response Time 1.2 seconds
● Languages Supported 48+
◆ Transactions via Chat $2.1M today
● USSD Uptime 99.99%
◆ Mobile Agents Running
AI-Powered Core Banking · Conversational Banking
Banking on
WhatsApp, USSD
& mobile — by AI
zung.ai's conversational banking platform deploys intelligent AI agents across WhatsApp, USSD, and mobile self-service — letting your customers check balances, send money, apply for loans, and get support in their language, on their channel, in seconds.
AO
FK
BM
+
Trusted by 70+ banks powering 50M+ customer conversations monthly
WhatsApp
USSD
Mobile App
AI
👋 Hi Sarah! I'm your zung.ai banking assistant. How can I help you today?
You can ask me to:
• Check balance 💳
• Send money 💸
• Apply for a loan 🏦
• Get a statement 📄
You can ask me to:
• Check balance 💳
• Send money 💸
• Apply for a loan 🏦
• Get a statement 📄
10:24 AM ✓✓
S
Send KES 5,000 to James Mwangi
10:24 AM ✓✓
AI
✅ Transfer confirmed!
KES 5,000 sent to James Mwangi
Ref: TXN-82910K
Your new balance: KES 42,350
KES 5,000 sent to James Mwangi
Ref: TXN-82910K
Your new balance: KES 42,350
10:24 AM ✓✓
1.2s
Avg Response
94.3%
AI Resolved
48+
Languages
Sent via WhatsApp — KES 5,000 ✓
USSD — 4,821 live sessions
Works on
WhatsApp
USSD
SMS
Telegram
Mobile App
Voice IVR
By the numbers
Conversations that convert at scale
From first message to completed transaction — zung.ai's AI agents handle millions of banking interactions daily, with zero wait time and near-perfect accuracy.
50M+
AI conversations
processed monthly
processed monthly
94.3%
Queries resolved
without human agent
without human agent
1.2s
Average AI
response time
response time
48+
Languages & dialects
supported natively
supported natively
Core capabilities
Everything your customers need,
in any conversation
A unified AI agent platform that handles transactions, support, and sales across every channel your customers already use — no app download required.
WhatsApp Banking Agent
Full-service banking on WhatsApp — balance enquiries, money transfers, bill payments, loan applications, and account management via natural language AI, available 24/7 in 48+ languages.
24/7 · 48+ Languages
Intelligent USSD Engine
AI-powered USSD menus that adapt based on customer behaviour and context. Works on any phone — smartphone or feature phone — with zero data requirement. Reach the last mile customer.
No Data Required
Mobile Self-Service Agent
Embed intelligent AI agents directly into your mobile banking app. Natural language chat, proactive nudges, contextual product recommendations, and guided task completion — no branch visit needed.
In-App AI
Transactional AI — Any Channel
Transfers, bill payments, airtime top-up, loan repayments, and account services fully executed via chat or USSD — secured by biometric confirmation and real-time fraud screening with every transaction.
Full Transactions
AI Customer Support Agent
94.3% first-contact resolution rate. The AI triages issues, answers FAQs, resolves disputes, and escalates only complex cases to human agents — with full context handover, so customers never repeat themselves.
94.3% Resolution
Conversational Loan & Sales Agent
AI proactively surfaces pre-approved offers during conversations — loans, insurance, savings products — with instant application and approval through the same chat window. Sales velocity at zero marginal cost.
AI-Led Sales
How it works
From first message
to completed transaction
01
Customer initiates on any channel
Customer sends a message on WhatsApp, dials a USSD code, or opens the app. The AI agent identifies the customer, authenticates securely, and understands intent in natural language — in any of 48+ supported languages.
Any Channel
02
AI agent understands & acts
Our NLP engine understands free text, voice-to-text, and structured USSD inputs equally well. The agent resolves the request — transfer, balance, loan application, support query — or routes intelligently to a specialist.
1.2s Response
03
Transaction confirmed & secured
Every financial action is confirmed with biometric or PIN verification, screened for fraud in real time, and executed against your core banking system — with a receipt delivered back to the same conversation.
Fraud-Screened
04
AI learns & personalises
Every interaction feeds the model. The agent remembers context across sessions, surfaces proactive offers based on behaviour, and continuously improves resolution accuracy — across every customer, every channel.
Always Learning
✓ WhatsApp
⟳ USSD
Execute
Learn
WhatsApp Banking — Live Session
AI
Hello! 👋 How can I help you today?
K
What's my balance?
AI
💳 Account: KES 42,350
💰 Savings: KES 18,200
🏦 Loan Balance: KES 0
Anything else I can help with?
💰 Savings: KES 18,200
🏦 Loan Balance: KES 0
Anything else I can help with?
✓ Authenticated
0.9s response
USSD Session — *384#
zung.ai · *384# · Connected
Welcome to zungBank
──────────────────
1. Check Balance
2. Send Money
3. Buy Airtime
4. Pay Bills
5. My Loans
0. Exit
──────────────────
──────────────────
1. Check Balance
2. Send Money
3. Buy Airtime
4. Pay Bills
5. My Loans
0. Exit
──────────────────
Enter choice:
1
No data needed
Any phone
Transaction Execution — Secured
Transfer to
James Mwangi
Amount
KES 5,000
Fraud Check
● Passed
Confirmed ✓
0.8s · TXN-82910K
AI Personalisation — Active Learning
PROACTIVE OFFER
You're eligible for a KES 50,000 loan at 14% p.a. — apply in 30 seconds?
BEHAVIOUR INSIGHT
Customer typically sends money on Fridays — nudge scheduled for this week.
1.2s
Response
94.3%
Resolved
48+
Languages
Sent via chat — 0.8s ✓
USSD — no data needed
All channels, one AI
Meet customers
where they already are
One unified AI agent platform deployed across every channel — WhatsApp, USSD, mobile app, SMS, Telegram, and voice IVR — with consistent capability and personality everywhere.
WhatsApp Banking
Full banking on the world's most popular chat app. Transactions, enquiries, loan applications, and support — all via natural language.
Rich media — buttons, lists, images
End-to-end encrypted
Business API verified
2B+ users globally
USSD Banking
Works on any phone, zero internet required. Reach every customer — from urban smartphones to rural feature phones — with AI-powered USSD menus.
No smartphone or data needed
Sub-second menu response
99.99% network uptime
Adaptive AI menus
Mobile App Agent
Embed intelligent AI chat directly into your existing iOS or Android app. Contextual help, guided flows, and proactive nudges with zero new screen design.
Drop-in SDK — iOS & Android
Contextual awareness
Proactive product nudges
In-app onboarding flows
Voice IVR Agent
AI-powered voice banking replacing traditional IVR trees. Natural language understanding, real-time speech-to-text, and full transaction execution via phone call.
Natural language voice
Real-time STT / TTS
Full transaction capability
Emotion detection
SMS & Telegram
Extend AI banking to SMS for basic enquiries and alerts, and Telegram for richer conversational experiences — all powered by the same underlying AI engine.
SMS — universal reach
Telegram bots API
Proactive transaction alerts
Two-way messaging
Omnichannel Continuity
Customer starts on WhatsApp, continues on USSD, completes on mobile app. The AI maintains full session context across every channel switch — zero repetition, seamless experience.
Persistent session memory
Cross-channel handoff
Unified customer profile
Single AI brain
Trust & compliance
Secure conversations,
compliant by design
Every conversational transaction is encrypted, authenticated, fraud-screened, and logged with a full immutable audit trail — meeting the strictest banking regulators in every market.
End-to-End Message Encryption
GDPR & Data Privacy
Real-Time Fraud Screening
Biometric Auth per Transaction
SOC 2 Type II · ISO 27001
CBK / CBN / SARB / BoG Approved
Message Encryption
All WhatsApp, SMS, and in-app messages are end-to-end encrypted. No message content stored on third-party servers.
Biometric Per-Transaction
Every transaction above a configured threshold requires biometric or PIN re-authentication — preventing unauthorised access mid-session.
Real-Time Fraud Screen
Every conversational transaction is screened for fraud signals before execution — device fingerprint, velocity checks, and behavioural anomalies.
Immutable Audit Trail
Every agent interaction, intent, and transaction stored tamper-proof — full conversation replay available for regulators and compliance teams.
Integrations
Connects with your entire stack
Pre-built connectors for core banking, mobile money networks, CRM platforms, and communication APIs — live in weeks, not months.
WhatsApp Business
Safaricom USSD
MTN USSD
M-Pesa
Temenos
Backbase
Telegram API
Twilio
Mambu
Salesforce
Finacle
Airtel USSD
Deploy your AI agent today
Put a banking agent in every
customer's WhatsApp & phone
Join 70+ banks and fintechs using zung.ai to serve 50M+ customers monthly — on WhatsApp, USSD, and mobile — with AI agents that never sleep.
Live in 4 weeks
No app needed
SOC 2 Type II
99.99% uptime SLA