Turn wallet behaviour into personalised financial coaching
Good morning, Sarah
Your Insights
See WalletSense in action
Watch how AI transforms wallet data into personalised financial coaching
Detect behaviour
Recurring bills, frequent payees, spending patterns, income flows. Our AI analyses wallet activity in real time to surface what matters.
Recommend next best actions
Personalised nudges to save, pay, budget, or optimise spend. Each recommendation is contextual and actionable.
Automate good money habits
Auto-save, reminders, one-tap payments, smart rules. Turn insights into automated actions that build lasting financial health.
Value for everyone
WalletSense creates a win-win: customers build better habits, partners grow their business
For Customers
Everyday users of MoMo and banking apps
- Stay ahead of bills with smart reminders
- Save consistently, even with irregular income
- Understand spending without effort
- Feel rewarded for good financial habits
- Set and track meaningful financial goals
For Banks & MoMo
Financial service providers
- Higher app engagement and retention
- Increased payment volumes through automation
- Deposit growth via auto-save features
- Reduced churn through personalised journeys
- Rich behavioural analytics and insights
Why WalletSense for East Africa
Built for the realities of mobile money markets, not adapted from Western PFM tools
Mobile-Money First
Built around P2P transfers, bill pay, agents, and cash-in/out workflows that define East African finance.
Irregular Income Ready
Works beyond salary-based assumptions. Designed for gig workers, traders, and seasonal earners.
Local Obligations
Understands school fees, transport costs, rent cycles, chamas, and the real financial rhythms of daily life.
Scales Across Markets
Configurable per country and regulator. Supports USSD legacy users and modern app-first customers.
Integration & deployment
A proven 6-step process from agreement to launch, designed for speed and minimal disruption
Commercial Agreement
Sign MOU / NDA and align on scope, pricing, and success metrics.
Data Access & Governance
Define data sharing protocols, access controls, and compliance requirements.
Model Training & Config
Train AI models on your wallet behaviours and configure personalisation rules.
SDK / PWA Integration
Embed WalletSense into your existing app via SDK or progressive web app.
Pilot & KPIs
Launch controlled pilot, measure engagement, deposits, and retention metrics.
Commercial Launch
Roll out to full user base with ongoing optimisation and support.
Security & governance
Built with bank-grade security from day one. Your data stays yours — we process it, you control it.
Encryption at rest & in transit
All data protected with industry-standard AES-256 encryption protocols.
Role-based access controls
Granular permissions ensure only authorised personnel access sensitive data.
Configurable data rules
Rules adapt per regulator and jurisdiction for full compliance.
Audit logs & transparency
Complete audit trail for every data access and system action.
Partner remains data controller
You own your data. WalletSense processes under your governance model.
Ready to embed financial coaching in your app?
Let's help your customers pay smarter, save more, and stay loyal.