AI Agents

AI agents that work inside your lending operation

Take applications, answer loan questions, remind and collect, and hand over to your team, on WhatsApp, Facebook, your website and more, all connected to the loans and clients in Credit Watch.

Get started for free Talk to our team
WhatsApp Facebook Messenger Instagram Your website Other social channels

See it in real situations

Six conversations your customers are already trying to have. Each one is an illustration of what an agent can do, shown with your own name and logo when you deploy it.

WhatsApp · New loan application

A customer applies for a loan in one conversation

Mary messages your WhatsApp number at 9:41 in the evening. The agent walks her through the product, the amount and the term, shows her exactly what she will repay, collects her ID and submits the application, with no branch visit and no form.

  • Explains your products in plain words and in the customer's language
  • Works out the repayment from your own rates and fees
  • Collects the documents your policy asks for
  • Creates the application in your system and gives the customer a reference
The result. An application your team can review the next morning, already complete.
Illustrative conversation
Facebook Messenger · Product enquiry

A Facebook enquiry becomes a qualified lead

Someone sees your Facebook page and asks about business loans. Instead of waiting for office hours, they get an instant answer, a quick eligibility check and a clear next step.

  • Answers rate, fee and requirement questions from your own product details
  • Asks the few questions that decide eligibility
  • Starts the application, or books a call with a loan officer
  • Works the same on Instagram and other social channels
The result. Enquiries that used to go cold overnight now turn into applications.
9:41
YL Your Lender Active now
Hi, how much interest do you charge on business loans?14:02
Hi! Our business loans are from K5,000 to K200,000 over 6 to 36 months, with interest on the reducing balance. Would you like to check what you could qualify for?14:02
Check my eligibilitySee requirements
Check my eligibility14:03
Great, two quick questions. Is your business registered?14:03
YesNot yet
Yes14:03
How long has it been trading?14:03
Under 1 year1 to 3 yearsOver 3 years
1 to 3 years14:04
Thanks! Based on that, you may qualify for a business loan of up to K30,000. A loan officer confirms the final amount. Shall I start your application?14:04
Start applicationTalk to a person
Aa
Illustrative conversation
WhatsApp · Loan status and balance

"What do I still owe?" answered in seconds

The question your team hears most. After a quick identity check, the agent reads the customer's own loan and answers in plain language, with a payment link and a statement on request.

  • Verifies the customer before sharing anything personal
  • Reads balance, next due date and status from the live loan
  • Sends a payment link or a statement
  • Takes the calls and branch visits off your team
The result. Fewer calls to the office, and customers who always know where they stand.
Illustrative conversation
WhatsApp · Repayment reminder

Reminders that get paid, and promises that are recorded

A day after a missed instalment, the agent reaches out politely. The customer can pay in one tap, or tell the agent when they will, and the promise goes straight onto the loan for your collections team.

  • Reminds before and after the due date, with a payment link
  • Records the promise to pay on the loan
  • Follows up on the day the customer promised
  • Escalates to a person if the promise is missed
The result. Small arrears are recovered before they become big ones, without a single phone call.
Illustrative conversation
Facebook Messenger · Hand-over to a person

When it matters, a real person takes over

Not every conversation should stay with an agent. When a customer is struggling, upset or asks for a person, the agent responds with care, hands over with the full conversation and opens a ticket for your team.

  • Recognises hardship, complaints and requests for a person
  • Passes the full conversation to your team as a support ticket
  • Tells the customer what will happen and when
  • Never promises what only your team can decide
The result. Your people spend their time on the conversations that need them.
9:41
YL Your Lender Active now
I lost my job last month and I cannot pay this month16:20
I'm sorry to hear that, Mary. Thank you for telling us. I can't change your repayment plan myself, but a loan officer can look at your options with you.16:20
I've passed your details to the team, ticket #3187. Would a call tomorrow morning suit you?16:21
Yes, 9am to 11amLater in the day
Yes, 9am to 11am16:21
Done. Joseph from our loans team will call you between 9 and 11 tomorrow. If anything changes, message me here.16:21
Aa
Illustrative conversation
Your website · Questions before applying

Answers on your own website, 24 hours a day

A chat window on your site, in your colours, answering the questions that stop people from applying: what do I need, how long does it take, what will it cost.

  • Answers from your own product guides, fees and policies
  • Says so, and offers a person, when it does not know
  • Moves the visitor straight into an application
  • Shows your team what visitors keep asking
The result. More visitors finish the application, and fewer questions reach your inbox.
9:41
YL Your Lender assistant Typically replies instantly
Hi, I'm the assistant. Ask me anything about our loans.
What documents do I need for a salary advance?
For a Salary Advance you need

1Your NRC

2Your latest payslip

3Your employer's name and contact

TimeDecision within 1 working day

Start applicationTalk to a person
Can I repay early?
Yes. You can settle early at any time. Interest is only charged for the time you have the loan. Would you like to see your options?
Type a message
Illustrative conversation
What your team sees

The agent works for your officers, not instead of them

When Mary finishes that WhatsApp conversation, her application is already waiting in your system, complete and summarised. The agent prepares the file; your credit officer makes the decision.

  • Applications arrive with documents attached and the conversation saved on the record.
  • A short summary tells the officer what is there and what is missing.
  • Your own approval steps and limits still decide the outcome.

More things an agent can do

Start with the situations that cost your team the most time, then add more.

Collect documentsAsk for the right documents, check they are readable and attach them to the application.
Statements and receiptsSend a statement or a repayment receipt on request, after the customer is verified.
Payment linksShare a secure link so the customer can pay with mobile money or card in one tap.
Due-date remindersGentle messages before and after each due date, in the channel the customer prefers.
Branch and contact detailsOpening hours, locations and who to call, so staff are not asked the same thing all day.
The customer\'s languageReply in the language the customer writes in, using your own wording for products and fees.

How we set it up with you

A short, controlled rollout in about 7 days, so the agent earns trust before it reaches every customer.

Day 1
Choose the first situationsWe pick two or three from the list above, for example product questions, loan status and repayment reminders, and agree what the agent must never do.
Day 1
Give it your knowledgeWe load your product guides, fee schedules, FAQs and tone of voice, so answers sound like you and match your policies.
Days 2 to 3
Connect the data it may useWe give it read access only to what the situations need, with identity checks before any personal detail is shared.
Days 4 to 5
Set guardrails and hand-overYou decide the limits: topics it will not discuss, when it passes a conversation to a person, and a monthly usage allowance.
Day 6
Pilot on one channelStart on your website or WhatsApp with a small group, read the conversations together and improve the answers.
Day 7 onward
Add channels and measureExtend to Facebook, Instagram and your other channels, then track questions answered, hand-overs and the time your team gets back.

Safe by design

Lending data is personal, so the agent stays inside the lines you draw.

Verified before it sharesThe agent confirms who it is talking to before it shows a balance, a statement or any personal detail.
People stay in chargeHardship, complaints and anything unclear go to your team as a ticket with the conversation attached. Decisions stay with your officers.
You set the limitsChoose what it can answer, what data it may read and how much it may be used each month.
Every conversation on recordReview what was asked and answered, and correct the agent when it gets something wrong.
Answers from your materialIt answers from your products and policies, and says so when it does not know.
Your data stays yoursConversations and customer data belong to your company and sit in its own database.

Let us show you an agent on your own products

Tell us what your customers ask most and we will set up a working example for you.

Get started for free Talk to our team
Or call us on +260 953 436 602