Industry playbook
SACCOs & Microfinance
Lend faster. Collect smarter. Stay compliant.
We automate loan applications, member onboarding, M-Pesa repayments, KYC and reporting — turning your SACCO into a fintech without changing your core system.
Sound familiar?
Pain points we hear from saccos & microfinance
Loan applications stuck in WhatsApp & paper forms
Manual M-Pesa reconciliation against member accounts
Late repayments because reminders go out inconsistently
SASRA / regulator reports that take days to compile
What we automate
More than just WhatsApp
We meet your customers and team on every channel they already use.
Loan application AI agent
Members apply on WhatsApp, USSD or web — AI checks eligibility, requests docs and routes to credit committee.
M-Pesa B2C / C2B automation
Disburse loans and collect repayments via Daraja with auto-posting to your core banking system.
Smart collections
Behaviour-based reminders across SMS, WhatsApp, voice call and email — with payment links embedded.
Regulator-ready reporting
Auto-generated SASRA and board dashboards on top of clean ETL pipelines.
Sample workflow
What it looks like in practice
Loan repayment
- 1
Member pays Paybill
- 2
Webhook hits our middleware
- 3
Loan account credited in core system
- 4
SMS + email receipt
- 5
Risk dashboard refreshed
Integrations
Plugs into your existing stack
Real impact
Outcomes our clients see
Honest, qualitative — no invented numbers.
Recommended services
What we'd build for you
FAQ
Questions we hear a lot
Do you replace our core banking?
No — we sit on top of it via API or middleware, so you keep your existing system.
Ready to automate your saccos & microfinance?
Free 30-minute discovery call. We map your top 3 automation wins.
Also automated by us