Intelligence that thinks ahead for every Kenyan business.
A growing family of AI agents inside the Nyumba digital banking platform. Each agent watches a different corner of an SME's life — money, risk, conversation — and acts before the owner has to ask.
The Agent Suite
Pick an agent to see it think.
Watches an SME's revenue, stock velocity, invoices and credit position — then surfaces three proactive insights the owner can act on today.
- Real-time financial reasoning
- Connects to Pokea, Biashara Credit & Dhamana
- Updates Hewa Trust Score live
Four propensity models running across 1,500 members at once — surfacing who's ready to upgrade, who needs credit, who's about to default, and who's quietly churning.
- Population-level mission control
- Live AI reasoning per member
- Recommended action for every flag
A two-way conversational agent that turns Amina's Hewa score into a specific weekly plan — and answers live follow-up questions with real numbers.
- Live streaming conversation
- Specific point gains & timelines
- Score ring animates with each insight
The gamification mechanic inside Nyumba Vijana. Every shilling saved literally builds a house on screen — and the tribe sees it happen.
- Foundation → Walls → Roof → Move In
- Tribe cheers in real time
- Hewa Score grows with every stage
Inside Nyumba Tuma, Hewa reasons across five fraud layers in real time — clearing legitimate diaspora sends and flagging genuine fraud where static rules can't tell them apart.
- Two transactions, two live verdicts
- Identity, device, VPN & temporal reasoning
- Explainable CLEARED vs FLAGGED
Hewa watches Amina's tribe, streak and leaderboard, and generates a feed card that feels like social activity — not a bank notification.
- Backend reasoning, human-feeling output
- Personalised to tribe + streak + position
- One tap, quiet confetti, done
An always-on guardian that scores every transaction in milliseconds, flags suspicious patterns and explains its reasoning in plain English.
- Per-transaction risk score
- M-Pesa, Pokea & card monitoring
- Explainable decisions, not black boxes
A bilingual Swahili-English assistant inside the Nyumba app that handles balance, loan and statement questions — and knows when to escalate to a human.
- Swahili + English, code-switching
- Knows the customer's full Nyumba context
- Handoff to human in one tap