Financial Services

Automate customer communication for banks, Saccos & insurers.

Handle account inquiries, loan applications, insurance claims, and customer support instantly via WhatsApp, without adding headcount.

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Setup in under 15 minutes

No coding required

14-day free trial

Kenya DPA & CBK Aligned

Your customers expect instant financial services, but your team can't keep up.

Every delayed response is a frustrated customer and a lost opportunity.

High Call Volume

Your support team is overwhelmed with calls about account balances, loan status, interest rates, and transaction inquiries.

Loan Application Bottlenecks

Customers struggle to get information about loan requirements, application status, and repayment schedules without calling or visiting a branch.

Slow Response Times

Customers message on WhatsApp expecting instant replies. Slow responses drive them to competitors who offer faster digital service.

Claims & Support Overload

Insurance claims inquiries, policy questions, and premium checks flood your team daily, leaving little time for complex cases.

What AI automation means for your financial institution.

Faster service, happier customers, reduced operational costs.

24/7 Customer Support

Answer account inquiries, loan questions, and policy info around the clock, with no need for 24-hour call centres.

Automated Loan Applications

Guide customers through loan applications on WhatsApp. AI collects documents, checks eligibility, and routes to loan officers.

Faster Claims Processing

Insurance claimants get instant status updates and document submission guidance without waiting on hold.

Reduced Operational Costs

Automate 70%+ of repetitive customer inquiries. Your team focuses on high-value cases while AI handles the rest.

Everything your financial institution needs for customer communication.

Features designed for banks, Saccos, microfinance, and insurance companies.

Account Services AI

Customers check balances, transaction history, and account status via WhatsApp with secure identity verification.

Loan Application Assistant

AI guides customers through loan applications, explains requirements, checks eligibility, and collects documents automatically.

Insurance Claims Support

Claimants submit documents, check claim status, and get policy information instantly via WhatsApp with AI assistance.

Automated FAQ Answers

Train AI on interest rates, loan products, membership requirements, repayment terms, and branch locations for instant answers.

Unified Customer Inbox

All WhatsApp, website, and social media inquiries in one dashboard. Assign, track, and collaborate with your team.

Service Analytics

Track inquiry volume, popular products, response times, and customer satisfaction, all from your dashboard.

Built for Kenya's financial regulatory environment.

HabariChat supports the communication compliance requirements of banks, SACCOs, and microfinance institutions. All customer conversations are encrypted, logged, and accessible for audit purposes — giving you the documentation trail your regulators require.

Talk to us about compliance

Kenya DPA 2019

Personal data handled under Kenya's Data Protection Act

End-to-End Encrypted

Every WhatsApp message is encrypted by default via the Business API

Full Audit Trail

Complete message logs available for CBK and SASRA regulatory review

No Third-Party Sharing

Customer data is never sold or shared with advertisers or third parties

Frequently asked questions.

Everything you need to know about financial services communication automation.

How long does setup take?

Setup takes less than 15 minutes. Connect your WhatsApp number, train AI on your products, rates, and services, and start automating customer communication.

Does this support WhatsApp Business?

Yes, HabariChat integrates with WhatsApp Business API. Ideal for account inquiries, loan applications, claims support, and secure customer messaging.

Can humans take over chats?

Absolutely. When a customer has a complex financial question or needs personal assistance, a human agent can take over instantly with full conversation history.

Is coding required?

No coding required. The setup is entirely visual. Your customer service or digital team can manage everything without developers.

Is there a free trial?

Yes! Financial institutions get a 14-day free trial with full access to all features. No credit card required.

Is HabariChat compliant with CBK and SASRA regulations?

HabariChat operates in alignment with the Kenya Data Protection Act 2019 and supports the audit trail requirements of CBK-regulated institutions and SASRA-registered SACCOs. All customer conversations are encrypted, logged with timestamps, and accessible only to your authorised team. We do not store sensitive financial transaction data — only the communication records your team manages. For enterprise compliance reviews, contact us directly.