● Beyond-Banking Engine ACTIVE
◆ Insurance Recommendations 4,210 matched today
● Trade Finance Offers $28M facilitated
◆ Supply Chain Finance Auto-triggered
● AI Match Accuracy 96.2%
◆ New Revenue per Customer +$420 avg
● Partner Ecosystem 80+ providers
◆ Conversion Rate 38% offer-to-close
● Beyond-Banking Engine ACTIVE
◆ Insurance Recommendations 4,210 matched today
● Trade Finance Offers $28M facilitated
◆ Supply Chain Finance Auto-triggered
● AI Match Accuracy 96.2%
◆ New Revenue per Customer +$420 avg
● Partner Ecosystem 80+ providers
◆ Conversion Rate 38% offer-to-close
AI-Powered Core Banking · Beyond-Banking Services
Revenue beyond
loans & deposits,
powered by AI
zung.ai's beyond-banking engine curates hyper-personalised insurance, trade finance, and supply chain finance recommendations — surfaced at the exact moment each customer needs them, driving new fee income with zero manual effort.
JO
AM
PK
+
Trusted by 60+ banks generating $420+ new revenue per customer annually
Business Asset Insurance
Jubilee · Fleet + Equipment · KES 4,200/mo
Import Trade Finance
LC Facility · KES 2.5M · 90-day tenor
Supplier Payment Finance
Invoice discounting · KES 800K · 30 days
AI Matching — 3 offers ready
ANALYSING 2,400+ SIGNALS · INSTANT APPROVAL
96.2%
Match Rate
38%
Conversion
$420
New Rev / Cust
Trade finance — KES 2.5M matched
Insurance policy active ✓
Partner ecosystem
Jubilee Insurance
Britam
APA Insurance
Trade Finance
Supply Chain
80+ Partners
By the numbers
New revenue streams that actually convert
zung.ai's beyond-banking engine turns contextual AI recommendations into real fee income — with conversion rates that far exceed traditional cross-sell programmes.
$420
New annual revenue
per customer
per customer
38%
Offer-to-close
conversion rate
conversion rate
96.2%
AI recommendation
accuracy
accuracy
80+
Insurance & finance
partners integrated
partners integrated
Core capabilities
AI-curated services your
customers actually need
A unified AI matchmaking engine that analyses customer data, business context, and partner products — surfacing the right beyond-banking offer to the right customer at exactly the right moment.
AI Insurance Recommendations
Match every customer to the right insurance product — business, health, crop, life, asset — based on their transaction history, business type, asset base, and life stage. 80+ insurer products matched in real time, with instant quote and apply.
80+ Insurers
Trade Finance Intelligence
Detect import and export transaction patterns and automatically surface pre-matched LC facilities, invoice financing, bank guarantees, and working capital products — at the moment of need, not weeks later when the customer calls.
Pre-Matched LCs
Supply Chain Finance
Identify supplier payment flows and offer invoice discounting, reverse factoring, and early payment programmes — automatically. Suppliers get paid faster, buyers extend their terms, and your bank earns a spread on both sides.
Reverse Factoring
AI Contextual Matchmaking
The AI engine analyses 2,400+ signals — spending behaviour, business lifecycle stage, sector, cash flow patterns, and seasonality — to rank and surface the most relevant partner product for every customer, every day.
2,400+ Signals
Revenue Share & Referral Engine
Every successful referral or policy bound earns your bank a fee. The platform tracks offer delivery, click-through, application, and conversion — attributing revenue share payments from partners automatically, with full transparency.
Auto Revenue Share
Real-Time Partner API Hub
Single integration to 80+ insurance, trade finance, and supply chain finance providers. No bilateral API work. Products are fetched, personalised, and embedded in your banking app via one standardised REST API and webhook layer.
One API · 80+ Partners
How it works
From customer data to
closed deal in seconds
01
AI profiles every customer
Transaction history, business type, cash flow patterns, import/export activity, supplier relationships, and sector are continuously analysed — building a dynamic financial profile that updates with every new transaction.
Real-time Profiling
02
Partner products matched by AI
Our matchmaking engine scores every customer against 80+ partner products — insurance policies, trade finance facilities, and supply chain programmes — ranking them by relevance, eligibility, and conversion probability.
96.2% Match Accuracy
03
Offer surfaced at the right moment
Recommendations are delivered via in-app banners, WhatsApp messages, relationship manager alerts, or email — triggered by specific events like large supplier payments, import transactions, or business growth milestones.
Contextual Delivery
04
Apply in-app, revenue shared
Customer applies or connects directly within your banking product — no redirect. Partners process applications using pre-shared data. On binding or approval, revenue share is tracked and attributed automatically to your bank.
38% Conversion Rate
✓ Profile
⟳ Match
Deliver
Convert
Customer Profile — Building
HIGH-VALUE BUSINESS PROFILE DETECTED
AI Matching — 80+ Products Scored
Business Asset Cover96%
Import LC Facility91%
Invoice Discounting88%
3 OFFERS READY · INSTANT ELIGIBILITY ✓
Offer Delivery — Multi-Channel
📱
Live
In-App Banner
Displayed on business dashboard
💬
Sent
WhatsApp Message
Triggered by supplier payment
👨💼
Alert
RM Dashboard Alert
Next best action surfaced
Revenue Attribution — Auto-Tracked
POLICY BOUND — REVENUE SHARE
Business Asset Policy+KES 12,600
Trade Finance Fee+KES 37,500
Invoice Discounting+KES 8,200
Auto-attributed38% conversion
96.2%
Match Rate
38%
Conversion
$420
Rev / Cust
3 offers matched — 96% accuracy
Revenue share — KES 58,300
Service verticals
Three high-value verticals,
one AI engine
zung.ai curates and delivers beyond-banking products across the three highest-value non-core revenue streams available to banks — insurance, trade finance, and supply chain finance — all from a single platform.
Insurance
AI matches every customer to the right insurance products — business, health, life, crop, asset, and travel — across 80+ insurer partners. Instant quote, streamlined apply, and automatic claims integration for business accounts.
Business & asset insurance
Employee health cover
Crop & agri insurance
Trade credit insurance
Life & key-man cover
Trade Finance
Detect import/export transactions and surface pre-matched LC facilities, bank guarantees, invoice financing, and working capital products — directly from trade transaction data, without any manual application process.
Letters of credit (LC)
Bank guarantees
Import working capital
Export pre-finance
Documentary collections
Supply Chain Finance
Identify supplier payment flows and offer invoice discounting, reverse factoring, and early payment programmes — creating a three-way win for buyers, suppliers, and your bank, with your bank earning a spread throughout.
Invoice discounting
Reverse factoring
Early payment programmes
Buyer-led SCF programmes
Dynamic discounting
Agri-Finance & Inputs
Seasonal finance products matched to crop cycle timing — input loans at planting, warehouse receipt finance at harvest, crop insurance auto-triggered by weather data, and offtake arrangements with aggregators.
Input finance (seeds, fertiliser)
Warehouse receipt finance
Parametric crop insurance
Offtake finance
Healthcare Finance
Invoice receivables finance against insurance claims, equipment finance matched to clinic growth, and group health cover bundles for businesses — all surfaced by AI based on transaction patterns and business type.
Receivables discounting
Medical equipment finance
Group health bundles
Claims insurance
Growth & Embedded Finance
White-labelled BNPL for business purchases, asset finance for SME capex, working capital lines triggered by revenue milestones, and embedded pension products — building a complete financial ecosystem inside your banking app.
Buy-now-pay-later (B2B)
Asset & equipment finance
Embedded pension schemes
Revenue-based working capital
Developer-first
One integration,
80+ partner products
No bilateral integrations. A single REST API and webhook layer gives you access to the full partner ecosystem — with matching, quoting, and application built in.
POST /v1/beyond/recommend
// Get personalised beyond-banking offers
const offers = await zung.beyond.recommend({
customer_id: "cust_8x19m",
verticals: ["insurance", "trade", "scf"],
trigger: "supplier_payment"
});
// Response · 1.2s avg
{
"offers": [{
"type": "insurance",
"product": "Business Asset Cover",
"match_score": 0.962,
"apply_url": "..."
}]
}
const offers = await zung.beyond.recommend({
customer_id: "cust_8x19m",
verticals: ["insurance", "trade", "scf"],
trigger: "supplier_payment"
});
// Response · 1.2s avg
{
"offers": [{
"type": "insurance",
"product": "Business Asset Cover",
"match_score": 0.962,
"apply_url": "..."
}]
}
1.2s recommendation response
Ranked, personalised offers from 80+ partners — with eligibility pre-checked, quotes pre-computed, and applications pre-filled using customer data.
Event-triggered recommendations
Webhook triggers surface the right offer when a qualifying event fires — large supplier payment, import transaction, salary credit, or revenue milestone.
Automated revenue attribution
Every click, application, and conversion tracked end-to-end. Revenue share payments from partners calculated automatically and reported monthly to your finance team.
Trust & compliance
Compliant distribution,
fully auditable
Every recommendation, referral, and revenue share payment is fully documented, consented, and compliant with insurance distribution, trade finance, and financial services regulations across our markets.
Insurance Intermediary Compliance
Trade Finance KYC / AML
Customer Consent Framework
Suitability Assessment Records
SOC 2 Type II · ISO 27001
IRA / CBK / CBN Compliant
Distribution Compliance
All insurance referrals made as a compliant intermediary — suitability records, disclosure documents, and consent stored per regulatory requirement.
AML Screening
Every trade finance referral passes through AML and sanctions screening — counterparty checks on both importer and exporter automatically.
Consent Audit Trail
Every customer consent to data sharing with partners is captured, timestamped, and stored — with granular opt-out controls for the business owner.
Revenue Attribution Records
Immutable log of every referral, application, and revenue share payment — exportable for internal audit and regulatory review at any time.
Partner ecosystem
80+ partners,
one integration
Connect once and instantly access the full zung.ai partner ecosystem — insurers, trade finance providers, SCF platforms, and fintech partners — all via a single standardised API.
Jubilee Insurance
Britam
APA Insurance
UAP Old Mutual
Temenos Trade
Greenpeg SCF
Stanbic Trade
Lidya Finance
TradeDepot
Roam Africa
Apollo Agriculture
+68 more
Unlock beyond-banking revenue
Turn every customer
into a revenue multiplier
Join 60+ banks using zung.ai to generate $420+ in new annual revenue per customer — from insurance, trade finance, and supply chain finance products curated by AI and delivered at the perfect moment.
One integration
Live in 6 weeks
Auto revenue share
SOC 2 Type II