● Nudge Engine GLOBAL · LIVE
◆ Nudges Delivered Today 2.4M personalised
● Behavior Improvement +42% savings rate
◆ Product Uptake Lift +3.1× after nudge
● Loan Defaults Reduced 31% fewer with coaching
◆ Languages Delivered 49 natively
● Member Engagement 68% open rate
◆ Financial Health Scores Live · 180 countries
● Nudge Engine GLOBAL · LIVE
◆ Nudges Delivered Today 2.4M personalised
● Behavior Improvement +42% savings rate
◆ Product Uptake Lift +3.1× after nudge
● Loan Defaults Reduced 31% fewer with coaching
◆ Languages Delivered 49 natively
● Member Engagement 68% open rate
◆ Financial Health Scores Live · 180 countries
zung.ai Global · Financial Literacy Nudge Engine

Better decisions.
Healthier members.
More products.

zung.ai's nudge engine delivers hyper-personalised AI coaching to every member — reading their financial behaviour in real time and sending the right message, at the right moment, on the right channel — to improve savings habits, reduce default risk, and drive organic product adoption without any sales pressure.

Request a Demo → View API Docs
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Trusted by 70+ institutions coaching 8M+ members across 180 countries
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zung.ai Coach
● LIVE
RB
Rafael Batista · São Paulo
SACCO Member · 14 months
74
Health Score
💰 Savings consistency
82
📅 Loan repayment
91
📊 Budget adherence
58
🛡️ Emergency buffer
44
💡
AI Coaching Nudge — Sent just now
"Rafael, you saved R$120 last week — your best yet! Setting aside just R$30 more builds your emergency buffer to 2 months in 90 days. Want to automate it?"
Yes, automate →
🔥 18d
Saving Streak
+42%
Savings Rate
3.1×
Product Uptake
Nudge sent — 68% open rate
Savings streak +18 days ✓
Delivered via
By the numbers

Behaviour change that moves the bottom line

zung.ai's nudge engine doesn't just educate — it measurably changes financial behaviour. Members coached by AI save more, default less, and adopt more products than any control group across every market we operate in.

42%
Average increase in member savings rate after 90 days
31%
Reduction in loan defaults among coached members
3.1×
More product uptake vs uncoached members
68%
Average nudge open rate across all channels
Core capabilities

AI coaching that fits into
every member's life

A unified behavioural AI platform that monitors member financial activity, identifies teachable moments, and delivers personalised micro-coaching — in the member's language, on their preferred channel, precisely when they'll act on it.

Personalised Financial Health Score
Every member receives a live financial health score (0–100) built from savings consistency, repayment discipline, budget adherence, emergency buffer, and product diversification — updated daily and used as the AI's coaching baseline for every nudge it generates.
Live · Daily Update
Behaviour-Triggered Micro-Coaching
AI detects specific financial behaviour events — a missed savings contribution, an impulse purchase spike, a loan payment three days away, a salary credit — and triggers a precisely timed nudge that references the real event, making the message feel personal and immediately actionable.
Event-Triggered
Product Adoption AI Engine
AI identifies which product each member is most likely to need next — based on their lifecycle stage, behaviour patterns, and peer group benchmarks — and surfaces a contextual recommendation at the exact moment they have the financial capacity and motivation to act on it.
+3.1× Uptake
Gamification & Streak Mechanics
Savings streaks, milestone badges, peer leaderboards, and reward unlocks make financial discipline engaging — especially for younger and first-time banking members. AI adapts the difficulty and frequency of challenges to each member's progress level and responsiveness.
Streaks · Badges
Omni-Channel Nudge Delivery
Nudges delivered across WhatsApp, SMS, app push notification, email, USSD, and in-app — with AI determining the optimal channel for each member based on their historical engagement patterns. The right message finds them wherever they are most likely to act.
6 Channels · AI-Optimised
Default Risk Early Warning
AI detects early repayment risk signals — spending pattern changes, income disruption indicators, reduced savings activity — and proactively coaches the member to restructure or prioritise repayments 30–60 days before a default would occur, protecting both the member and the institution.
30-Day Early Warning
How it works

From member behaviour to
the perfect nudge

01
Member financial behaviour monitored
Every transaction, savings contribution, loan repayment, product interaction, and engagement signal is tracked — building a continuously updated behavioural profile for each member that the AI uses as the basis for every coaching decision it makes.
Real-time Monitoring
02
AI identifies the coaching opportunity
Using behavioural economics models — loss aversion, present bias, social proof, implementation intentions — the AI identifies the specific trigger, frame, and call-to-action most likely to change behaviour for each individual member at that specific moment in their financial journey.
Behavioural Science AI
03
Nudge crafted and delivered
The AI writes a personalised message in the member's preferred language — referencing their actual numbers, named goals, and recent activity — and delivers it on the channel and at the time of day when that specific member has the highest engagement probability.
49 Languages · 6 Channels
04
Impact measured and model improved
Every nudge is tracked for open rate, response rate, and downstream behaviour change — did the member actually save more, repay on time, or activate the product? The AI continuously learns which message types, timings, and framings drive the biggest outcomes for each member segment.
Self-Improving
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zung.ai Coach
● LIVE
✓ Monitor ⟳ Identify Craft Measure
Behaviour Profile — Live
Savings this month$240 → +18%
Loan repaymentOn time · 100%
Budget adherence58% · Below avg
Emergency buffer0.7 months · Low
Coaching trigger: bufferStrength: savings
Opportunity Identified — AI
🎯 BEHAVIOURAL TRIGGER: IMPLEMENTATION INTENTION Best moment: Post-salary credit · 72h window
Frame: "Small step" + social proof
Goal anchor: Emergency buffer 1→2 months
CTA: One-tap auto-save setup
Loss aversion framePeer comparison
Nudge Crafted — Personalised
💡 WHATSAPP · ENGLISH · SENT 9:14AM "You saved $240 last month — your personal best! Members like you who add just $40/mo to their emergency fund reach financial security 3× faster. Want to set up automatic saving? It takes 10 seconds. 🔒"
● WhatsApp SMS fallback Push
Impact Measured — 30 Days
Open rate72% (68% avg)
Auto-save activated38% of opened
Buffer improvement0.7 → 1.4 months
Model updateVariant A preferred
+42%
Savings Lift
68%
Open Rate
3.1×
Product Uptake
Nudge sent — 72% open rate
Buffer +100% in 30 days ✓
Built for every financial institution

Coaching that works for
every member type, globally

The nudge engine adapts its coaching strategy to each institution type, member segment, and market context — so whether you serve a rural SACCO in West Africa or a digital bank in Latin America, every member gets coaching that fits their reality.

🤝
SACCOs & Cooperatives
Coach members on share capital contributions, loan utilisation, product diversification, and group solidarity — using social proof nudges that reference the member's peer group to strengthen cooperative financial culture.
Share capital contribution nudges
Group savings solidarity coaching
Loan product upgrade pathways
Cooperatives
📱
Digital & Neo Banks
Onboard thin-file customers with financial habits coaching — savings goals, budget setting, credit score building — using gamification, streaks, and milestones to drive engagement among younger, digital-first members globally.
First savings goal setup
Credit score improvement path
Budget challenge gamification
Digital Banks
🏛️
Commercial & Retail Banks
Deepen relationships with existing customers through proactive financial wellbeing coaching — surfacing the right product at the right moment, reducing churn by making customers measurably better off with your institution.
Cross-sell at the right moment
Churn prevention coaching
Relationship deepening nudges
Retail Banking
🌾
Agricultural Finance
Season-aware coaching for smallholder farmers — pre-harvest savings reminders, input loan repayment prompts, weather-based spending alerts, and post-harvest investment guidance delivered in local languages via USSD or WhatsApp.
Seasonal savings coaching
Harvest income management
Input loan repayment nudges
Agri Finance
💼
Microfinance Institutions
Reduce default rates by coaching borrowers on cash flow management, repayment prioritisation, and business revenue improvement — with AI detecting early distress signals 30–60 days before a default would occur and intervening proactively.
30-day default early warning
Cash flow coaching for MSMEs
Business growth nudges
Microfinance
👨‍👩‍👧‍👦
Family & Group Finance
Coordinate financial coaching across household members and saving groups — with shared goal tracking, group savings challenges, and family financial health dashboards that make collective financial progress visible and motivating for every member.
Household financial goals
Group savings challenges
Family health dashboard
Family Finance
Developer-first

Embed coaching intelligence
into any banking product

REST API and pre-built widgets to add financial health scores, nudge delivery, and behaviour tracking into your banking app or member portal — without building the AI yourself.

GET /v1/nudge/member/:id
// Get member coaching state + next nudge
const coach = await zung.nudge.member({
  member_id: "mbr_8x9k",
  language: "pt-BR",
  channel: "whatsapp"
});

// Response
{
  "health_score": 74,
  "next_nudge": {
    "message": "Rafael, você...",
    "trigger": "post_salary",
    "optimal_time": "09:00 local"
  }
}
Behaviour event webhooks
Subscribe to member behaviour events — savings milestone hit, repayment risk signal detected, product qualification trigger — and react in real time from your own systems.
Embeddable health score widget
Drop-in React component showing the member's live financial health score, behaviour breakdown, and coaching suggestions — embed in your app in hours, not weeks.
Custom nudge templates API
Define your institution's own nudge templates and goals — the AI personalises them with each member's real data, language, and optimal timing automatically.
Ethics & compliance

Ethical nudging,
transparent by design

Every nudge zung.ai sends is designed to genuinely improve the member's financial wellbeing — never to push products they don't need or exploit psychological biases against their interests. Ethical nudging is both our policy and our competitive advantage.

Member Benefit First — No Predatory Nudges
Opt-Out & Frequency Controls
GDPR / NDPR / Local Privacy Acts
WhatsApp Business API Compliant
SOC 2 Type II · ISO 27001
Fairness Testing Across Segments
Ethical Nudge Framework
Every nudge type reviewed against our ethical framework — nudges must demonstrably benefit the member, be transparent about intent, and include a clear opt-out path.
Consent & Opt-Out
Members can opt out of coaching, adjust frequency, or limit nudges to specific topics — with preferences stored and respected across every channel and interaction.
Nudge Audit Trail
Every nudge sent, opened, and acted on is logged with the reasoning behind it — enabling compliance review, regulator inspection, and member transparency on request.
Fairness Monitoring
Regular audits ensure nudge frequency, tone, and product recommendations are equitable across gender, age, and socioeconomic segments — no group is exploited or underserved.
Integrations

Plugs into your
existing stack in days

Pre-built connectors to core banking systems, CRM platforms, messaging providers, and mobile money networks — the nudge engine starts coaching members the moment it receives transaction data.

Turn members into financially healthy advocates

Better members.
Better outcomes. More revenue.

Join 70+ institutions using zung.ai's nudge engine to coach 8M+ members across 180 countries — achieving 42% savings improvement, 31% fewer defaults, and 3.1× higher product uptake through personalised AI coaching in 49 languages.

Book a Live Demo → View API Docs
Live in 2 weeks 49 languages Ethical AI SOC 2 Type II