How it works
From incoming message to
resolved request in seconds
01
Customer sends message on any channel
The customer sends a message on WhatsApp, dials USSD, sends an SMS, or makes a voice call — in any language. zung.ai's agent gateway detects the channel, authenticates the customer, and identifies the language automatically.
6 Channels · 49 Languages
02
AI understands intent in any language
The multilingual NLU engine parses the message — understanding intent, entities, and emotional tone regardless of dialect, code-switching, or spelling variations. Swahili mixed with English? Hausa with Arabic numerals? The AI handles it all natively.
NLU · Code-Switching
03
Action taken, response generated
The AI queries your core banking system, executes permitted transactions, retrieves account data, or triggers workflows — and generates a response in the customer's language that matches the channel's format constraints (WhatsApp markdown, USSD character limits, SMS brevity).
Action + Reply · 1.2s
04
Escalate or close the session
89% of conversations are resolved entirely by AI. For the 11% requiring human intervention, the agent detects escalation signals, routes to the right human agent with full context, and provides a briefing — so the agent can pick up mid-conversation without the customer repeating themselves.
89% Auto-Resolved
zung.ai Agents
● LIVE
✓ Detect
⟳ Understand
Act
Resolve
Channel & Language Detected
ChannelWhatsApp
Language DetectedSwahili (ke)
CustomerFatima N. · Verified
Auth MethodPIN · 2FA
Auto-detected49 languages
NLU — Intent Parsed
Nataka kutuma pesa kwa mama yangu
Swahili input
Intentmoney_transfer
Entity: recipient"mama yangu" → resolve
SentimentNeutral · Confident
Action Executed — USSD Session
ZUNG BANK
──────────────
Salio: KES 24,850
1. Tuma Pesa
2. Lipa Bili
3. Omba Mkopo
4. Msaada
Chaguo lako:
──────────────
Salio: KES 24,850
1. Tuma Pesa
2. Lipa Bili
3. Omba Mkopo
4. Msaada
Chaguo lako:
Any phoneNo internet
Session Resolved — Auto
✅ KES 2,000 imetumwa kwa Mama Grace. Salio: KES 22,850.
AI response · 0.8s · Swahili
SESSION CLOSED · CSAT PROMPT SENT · 4.9★
49
Languages
1.2s
Response
89%
Auto-Resolved
Swahili intent — parsed 0.3s
USSD · any phone ✓
Languages supported
49 African languages,
natively fluent
Not translation — native fluency. Each language model is trained on African banking conversations in that language, understanding local idioms, dialect variations, and code-switching patterns unique to each market.
🇰🇪
Swahili
Kenya · Tanzania · Uganda
200M speakers
🇳🇬
Hausa
Nigeria · Niger · Ghana
70M speakers
🇪🇹
Amharic
Ethiopia · Eritrea
57M speakers
🇳🇬
Yoruba
Nigeria · Benin
45M speakers
🇬🇭
Twi
Ghana · Ivory Coast
11M speakers
🇿🇦
Zulu
South Africa
13M speakers
🇲🇬
Malagasy
Madagascar
25M speakers
🇸🇳
Wolof
Senegal · Gambia
12M speakers
🇿🇦
Xhosa
South Africa
8M speakers
🇰🇪
Kikuyu
Kenya
8M speakers
🇳🇬
Igbo
Nigeria
44M speakers
🌍
+38 More
Across Africa
All regions
Deployment channels
Every channel your customers
already use
Deploy the same AI agent brain across all channels simultaneously — with each channel's format, constraints, and UX conventions handled automatically by the platform.
WhatsApp
Rich conversational banking with AI that handles media, buttons, lists, and location sharing — in 49 languages with full banking action capability.
Rich media & button support
Business API verified account
End-to-end encryption
USSD
Intelligent USSD sessions that work on any mobile phone — no smartphone, no internet, no app needed. Serving the truly last-mile customer.
Works on any handset
No internet required
Dynamic menu generation
SMS
Two-way SMS banking for enquiries and alerts — plus AI-personalised outbound campaigns for loan reminders, product offers, and account notifications.
Two-way conversational SMS
Proactive personalised alerts
Delivery confirmation
Voice IVR
Natural language voice banking — customers speak naturally, AI understands them, and resolves banking requests in their language without numbered menus.
Natural language voice NLU
20+ African language voices
Intelligent human routing
Telegram
Full banking via Telegram bot — popular in francophone Africa and tech-savvy markets — with the same AI banking capability as WhatsApp.
Bot API with inline buttons
Fast delivery & read receipts
Group banking support
Web & Mobile Chat
Embeddable AI chat widget for your banking app and website — same AI agent, same languages, same capability, with rich UI and full session persistence.
Embeddable widget SDK
Mobile & web native
Full rich UI support
Developer-first
Deploy AI agents
across all channels in days
One integration deploys the AI agent to all six channels simultaneously. Configure languages, set escalation rules, and manage conversation flows — all via API or our no-code agent builder.
POST /v1/agent/message
// Handle inbound message
const reply = await zung.agent.send({
channel: "whatsapp",
phone: "254712345678",
message: "Nataka tuma pesa",
session_id: "sess_8kx2"
});
// Response · 1.2s
{
"intent": "transfer",
"language": "sw",
"reply": "Tuma kwa nani?...",
"action": "collect_recipient"
}
const reply = await zung.agent.send({
channel: "whatsapp",
phone: "254712345678",
message: "Nataka tuma pesa",
session_id: "sess_8kx2"
});
// Response · 1.2s
{
"intent": "transfer",
"language": "sw",
"reply": "Tuma kwa nani?...",
"action": "collect_recipient"
}
One API · Six channels
Single integration routes across WhatsApp, USSD, SMS, voice, Telegram, and web chat — format adaptation handled automatically per channel.
Session continuity API
Persistent session context across channel switches — customers continue mid-conversation even when switching from USSD to WhatsApp to web without repeating themselves.
No-code flow builder
Visual conversation flow editor for your product team — build, test, and deploy new banking use cases across all channels without engineering resources.
Trust & security
Secure conversations,
compliant by design
Every AI agent conversation is encrypted, authenticated, logged, and compliant with WhatsApp Business API policies, banking data regulations, and telecom guidelines in each market.
WhatsApp Business API Verified
End-to-End Encryption on All Channels
MFA & PIN Authentication
Conversation Audit Trail
SOC 2 Type II · ISO 27001
GDPR / NDPR / Data Privacy Acts
WhatsApp BSP Verified
Official Meta Business Solution Provider — ensuring your bank's WhatsApp number is green-tick verified and compliant with Business Messaging Policy.
Conversation Logging
Every AI agent conversation stored immutably for 7 years — full transcript, intent, actions taken, and escalation reason — for compliance review and dispute resolution.
Transaction Authorisation
All financial transactions initiated through AI agents require PIN or biometric confirmation — with transaction limits and suspicious activity detection built in.
Opt-Out & Consent
Customer consent management for every channel — opt-in workflows, opt-out processing, and preference management compliant with each market's telecom regulations.
Integrations
Connects with your
entire banking stack
Pre-built connectors to core banking, payment rails, mobile money networks, and messaging platforms — live in days, not months.
WhatsApp API
Twilio USSD
Africa's Talking
Temenos
M-Pesa
MTN MoMo
Salesforce CRM
Mambu
Zendesk
Intercom
InfoBip
+40 more
Meet your customers where they are
Banking in their language,
on their favourite channel
Join 55+ banks using zung.ai to serve 12M+ customers in 49 languages across WhatsApp, USSD, SMS, and voice — with 89% of queries resolved by AI, 4.8/5 CSAT, and 68% lower contact centre costs.
Live in 2 weeks
49 languages
6 channels
SOC 2 Type II