AI-powered account and member services for banks, SACCOs, and microfinance institutions.
aryyo connects directly to your core banking system, loan management software, and M-Pesa payment API — and makes that information available to your customers and members on WhatsApp, the channel they already use every day. No new app to download, no new system for staff to learn, no code for your team to write.
“What is my loan balance?”
“When is my next repayment due?”
“What is my account balance?”
“Is my loan application approved yet?”
Your staff answer these questions dozens of times a day — on the phone, at the counter, and on WhatsApp. Every interaction takes 3–5 minutes of staff time, and customers are often calling during office hours when they're at work themselves. When your offices are closed, they have no way to reach you at all.
3–4 hrs
Staff time consumed daily at 50 queries/day
Balances, loan status, and M-Pesa confirmations — answered instantly.
aryyo queries your core banking or SACCO management system directly, verifies the member's identity, and responds in plain language — in English or Swahili.
Plain-language answers, grounded in your own systems.
A customer can ask "how much do I owe you guys?", or in Swahili, or in a dozen different phrasings — aryyo understands the intent, queries the right system, and responds accurately. It's also document-grounded: upload your loan policy or product catalogue and aryyo answers policy questions from your own documents.
Accounts & balances
- What is my current account or savings balance?
- How much have I contributed or saved this year?
- When was my last deposit received?
- Send me a mini-statement for the last 6 months.
Loan queries
- What is my outstanding loan balance?
- When is my next loan repayment due and how much?
- What is my loan repayment schedule?
- What is my loan account statement?
Loan application status
- I applied for a loan two weeks ago — what is the status?
- What documents are still outstanding on my application?
- What is the maximum loan I qualify for right now?
Payments & confirmations
Customers pay via M-Pesa and message the confirmation code — aryyo verifies receipt against your payments system and confirms instantly. Proactive repayment reminders go out 3 days before a due date, with no staff effort required.
- I paid via M-Pesa this morning — has it been received?
- Send me a reminder before my next repayment is due.
Products & branch information
- What are your loan and savings interest rates?
- What accounts and loan products do you offer?
- What are the requirements to apply for a loan?
- Where are your branches and what are your opening hours?
Dividends, interest & rebates
- What dividend was declared for this financial year?
- What interest rate applies to my savings account?
- When will dividends or interest be paid out?
- How much will I receive based on my shareholding or balance?
Live in 2–3 weeks.
We connect to your existing systems via their APIs — core banking platform, loan management system, or SACCO management software. If it doesn't expose one, we work with your team to set up a simple read-only data bridge — we never require write access to your production systems for customer query use cases.
- 1
Discovery call
We map the customer queries you want to automate to the API endpoints or database views in your system that hold that data.
1 hour
- 2
Configuration
We configure aryyo with your institution's information, system endpoints, authentication, and the AI's instructions for each query type.
3–5 days
- 3
Testing
We run the full set of query scenarios with your team using real, sandboxed data.
2–3 days
- 4
Go live
Your institution's WhatsApp Business number is connected. Customers and members start using it from day one — no onboarding required on their end.
Total time from first conversation to live: typically 2–3 weeks.
Built for sensitive financial data.
We understand that customer and member financial data is sensitive, and aryyo is built with this in mind from the ground up.
Read-only by default
The AI agent has no ability to modify account data, process transactions, or approve applications. It retrieves and reports; it does not write.
Customer verification
Before returning account information, aryyo verifies identity using a registered phone number, ID number, account or membership number, or PIN — configurable to your security policy.
Encrypted credentials
All API keys and system credentials are stored with AES-256-GCM encryption.
No data storage
aryyo does not retain customer financial data beyond the conversation session — data is queried live and returned to the customer.
SSRF protection
All outbound API calls are validated to prevent any form of system abuse.
Audit trail
Every query is logged with a timestamp, customer identifier, and query type for compliance records.
What banks and SACCOs typically achieve.
Outcomes reported by financial institutions running their highest-volume query types through aryyo.
| Reduction in routine phone & counter queries | 60–80% of basic balance and loan status queries handled without staff |
|---|---|
| Staff hours freed per day | 3–5 hours redirected to higher-value customer interactions |
| Customer query response time | Instant — versus hold times of 5–20 minutes |
| After-hours availability | 24 hours a day, 7 days a week |
| Customer satisfaction | Customers and members no longer need to visit a branch for information |
| Repayment reminder uplift | 15–30% reduction in missed repayments when proactive reminders are active |
30-day free pilot
Bring your bank or SACCO
into the conversation.
No payment required during the pilot. See the results before you commit — typically live within 2–3 weeks.