Turn wallet behaviour into personalised financial coaching
An embedded mini-app that delivers insights, nudges, and automated actions that grow usage, deposits, and loyalty.
The Platform
AI-Powered Platform Delivering Personalised Experiences
How It Works
Three steps to smarter money habits
Transform transaction data into coaching your customers use.
Detect
Our AI analyses transaction data in real-time — surfacing recurring bills, frequent payees, spending patterns, and income flows before your customer even notices.
Capabilities
- Recurring bill detection
- Spending trend analysis
- Income pattern recognition
- Payee frequency mapping
Recommend
Personalised, contextual nudges that meet customers where they are. Every recommendation is actionable — save more, pay on time, budget smarter, or reduce spend.
Capabilities
- Contextual saving prompts
- Bill payment reminders
- Budget optimisation tips
- Spend reduction insights
Automate
Turn one-time decisions into automated routines. Auto-save rules, scheduled reminders, one-tap repeat payments, and smart budgets that adapt over time.
Capabilities
- Auto-save round-ups
- Smart bill reminders
- One-tap repeat payments
- Adaptive budget rules
Product
Five modules. One experience.
Drive engagement and deliver value.
Smart Insights
Know what's changing in your money — before it becomes a problem.
Never miss a bill
See upcoming obligations and pay on time with reminders or autopay.
Save without thinking
Automatically save small amounts that fit your cashflow.
Goals that reflect real life
School fees, rent, emergencies — set goals that matter.
Earn rewards for good habits
Get points, rewards, and streaks for everyday money actions.
Value Proposition
Built for customers. Designed for partners.
Measurable outcomes on both sides.
For Customers
Stay ahead of bills
Get proactive reminders before due dates so you never pay late fees.
Save consistently
Even with irregular income, auto-save adapts to your cashflow patterns.
Understand spending effortlessly
Clear insights without complicated spreadsheets or manual tracking.
Feel rewarded for good habits
Earn streaks, points, and rewards for everyday financial actions.
For Banks & MoMo Providers
Higher app engagement
Personalised experiences keep users coming back daily.
Increased payment volumes
More bill payments, repeat transactions, and automated transfers.
Deposit growth via auto-save
Automated savings drive meaningful deposit balance increases.
Reduced churn
Personalised journeys create sticky, loyalty-driven relationships.
Regional Focus
Why this works in East Africa
Purpose-built for mobile money and local realities.
Mobile-money first
Built around P2P transfers, bill pay, agent networks, and cash-in/cash-out — the real behaviours that define mobile money.
Irregular income ready
Works beyond salary-based assumptions. Designed for gig workers, small traders, and anyone with variable cashflow.
Local obligations understood
School fees, transport costs, rent cycles, and chama contributions — nudges designed for the realities people face.
Scales across markets
Configurable per country and regulator. Works across USSD legacy systems and modern app experiences.
Integration
Go live in 8 weeks
Proven deployment from agreement to launch.
Commercial agreement
Sign MOU / NDA and align on commercial terms.
Data access & governance
Define data requirements, access protocols, and governance framework.
Model training & configuration
Train AI models on your transaction data and configure insight rules.
SDK / PWA integration
Embed WalletSense into your app via SDK or progressive web app.
Pilot & KPIs
Launch controlled pilot, measure engagement, deposits, and retention.
Commercial launch
Full rollout with ongoing optimisation and content updates.
Data required
Transaction history, bill payments, balance snapshots
Deployment options
Native SDK, PWA, WebView, or API-only
Security
Enterprise-grade security, by default
Built with the security standards banks expect.
Encryption at rest & in transit
All data is encrypted using industry-standard AES-256 and TLS 1.3 protocols.
Role-based access controls
Granular permissions ensure only authorised personnel access sensitive data.
Comprehensive audit logs
Every data access event is logged, traceable, and available for compliance review.
Configurable rules per regulator
Adapt data handling, retention, and processing rules to meet local regulatory requirements.
Partner remains data controller
You retain full ownership and control of customer data at all times. We process on your behalf.
Ready to embed financial coaching?
Help your customers pay smarter, save more, and stay loyal.
- Live demo tailored to your market
- Technical integration walkthrough
- ROI modelling for your portfolio