Banking, Insurance & SACCO Loyalty Program Cloud Software for Kenyan Business

DSAs source asset finance, personal loan, card, and SME applications. The rule engine reads core banking, applies clawback for early default, and unlocks the slab once monthly disbursement crosses threshold. M-Pesa Till settles the KES payout same day.

Life, general, and medical insurance agents move through Silver, Gold, Platinum based on policy count, premium income, and 13-month persistency. Tier evaluation reads the policy admin system, so rewards follow issued policies. Tier benefits configure per programme: cash, club, or recognition.

Agents capture M-Pesa number, Till ID, or PesaLink bank account at enrolment, validated against KYC. Approved KES amounts settle in seconds. Per-day, per-account, and per-programme caps apply. Bank statement reconciliation runs automatically and agents see status in-app.

Bancassurance agents at branch counters earn campaign push on cross-sell between loans, cards, and protection. SACCO loan officers earn recognition tied to monthly disbursement and recovery rate. Each audience runs on its own rule set, KYC, and WhatsApp track inside the platform.

Clawback on early defaults, ageing checks before release, AI anomaly detection on velocity spikes and duplicate documents, and multi-level approval on high-value payouts. Flagged cases route to review queue. Genuine agents still receive M-Pesa payouts on time.

Loan disbursements, policy issuance, and premium receipts flow in over REST API or SFTP. The rule engine scores each transaction against active slabs and triggers payout. Bidirectional sync writes payouts back to the source system for accounting reconciliation.

County leaderboards rank DSAs, agents, and SACCO loan officers on monthly volume and conversion. Tier badges show in-app. Challenge campaigns cover motor cover drives, SME loan sprints, and quarter-end pushes. Audience eligibility configures per challenge.

WhatsApp Business API sends DSA scheme alerts, persistency reminders, SACCO recognition notices, and RM volume updates. Two-way replies cover slab status and payout timing. English and Swahili delivery, opt-in compliant, scheduled per campaign through the automation engine.

Live payout run-rate, slab velocity, persistency trends, county-wise engagement, and fraud flags. Finance sees payout cost against budget. 1Voice AI answers natural-language queries like top five DSAs by personal loans this month. Drill-downs reach individual transactions.

Yes. Configurable workflows route high-value payouts through agency manager, regional head, compliance, and finance based on threshold and product. Approvers see sourcing data, ageing, and fraud flags. Audit trail logs each action. M-Pesa Till settles once final approval lands.