●Inclusion Banking zung.ai · Global Mission
◆Bureau-free scoring 500+ alternative signals
●USSD any phone no smartphone required
◆49 languages member's own language
●Offline agents no internet needed
◆SDG 10 financial inclusion mission
●Inclusion Banking zung.ai · Global Mission
◆Bureau-free scoring 500+ alternative signals
●USSD any phone no smartphone required
◆49 languages member's own language
●Offline agents no internet needed
◆SDG 10 financial inclusion mission
AI-Driven Inclusion Banking · zung.ai · Global Segment
AI banking for the
financially
excluded.
zung.ai's AI-Driven Inclusion Banking segment is purpose-built for reaching unbanked and underbanked populations — bureau-free credit scoring, USSD on any phone, offline field agent tools, and 49-language support for last-mile financial inclusion globally.
2B+
Unbanked people targeted globally
67%
More thin-file approvals vs bureau
49
Languages across all channels
USSD
Any phone · no smartphone needed
Core capabilities
AI features built
for this segment.
📱
Bureau-Free AI Credit Scoring
Score any member with zero credit history — mobile money patterns, utility payments, airtime purchases, social network signals, and behavioural biometrics generate a full credit profile globally.
500+ Signals
📡
USSD Banking — Any Phone
USSD banking works on every mobile phone, no smartphone, no internet, no app required — members check balances, apply for loans, and make deposits in their own language globally.
Any Phone
⚡
Offline Field Agent App
The field agent mobile app works completely offline — loan officers originate loans, collect repayments, and run group meetings with zero internet. Data syncs automatically when connectivity returns globally.
Offline-First
🌍
49 Language Support
Every channel — USSD menus, WhatsApp messages, SMS notifications, mobile app, and agent app — operates in the member's native language. 49 languages covering every major market globally.
49 Languages
🌾
Village Banking & Group Lending
AI-powered village banking and solidarity group management — group formation, meeting tools, co-guarantee scoring, and collective risk assessment for last-mile cooperative finance globally.
Village Banking
📊
Impact Measurement
Real-time SDG 10, IRIS+, and CGAP impact dashboards — women reached, rural households served, first-time borrowers, and poverty outreach metrics for donors and impact investors globally.
IRIS+ Aligned
What zung.ai delivers
Purpose-built
for your institution.
zung.ai Capabilities
What you get
✓Bureau-free scoring — 500+ alternative data signals
✓USSD on any feature phone, zero internet needed
✓Offline field agent app for rural last-mile banking
✓49 languages across all member-facing channels
✓Village banking and solidarity group AI management
✓SDG 10, IRIS+, and CGAP impact reporting built-in
Institutional Benefits
Business outcomes
✓67% more thin-file members approved for credit
✓4× increase in financial inclusion reach per institution
✓60% lower cost-to-serve vs traditional branch banking
✓Zero member exclusion due to lack of smartphone
✓Impact reports generated automatically for donors
✓Measurable SDG 10 contribution with verified data
Get started today
Bank the excluded.
AI-native inclusion at global scale.
Live in 6 weeks globally.
Free MFI Health Audit assesses your institution's current inclusion reach and identifies the AI tools that can expand it to the last mile globally.
Bureau-free scoringUSSD any phone49 languages67% more approvals