Banking in every chat.

Balance and mini-statement

Customers ask for their balance and a mini-statement of recent transactions, and get an answer in seconds.

It is the most common banking question, handled without a menu or a call.

Transaction history queries

Customers can search their history in plain language, by date, amount, category or counterparty, for example "what did I spend on Friday?" It turns a statement into a conversation.

Transfers with name confirmation

Customers send money to a saved beneficiary or a new account number.

FinAI shows the account holder's name before confirmation, so mistakes are caught before money moves.

Airtime and data

Customers buy airtime and data for themselves or for others across the major networks, by sending a short message.

Bill payments

Customers pay electricity, cable TV, internet and utility bills in chat, and receive a receipt in the same thread.

Beneficiary management

Customers save, rename and remove beneficiaries by chatting, so frequent payments take a few words.

PIN and card controls

Customers set, change and reset their PIN, and lock, unlock or block a card, from the conversation.

Emergencies are handled in seconds.

Receipts and PDF statements

Every completed transaction ends in a receipt, and customers can ask for a PDF statement whenever they need one.

Dispute reporting and tracking

Customers report a failed or wrong transaction in chat and track the ticket to resolution.

Problems reach your team with the context they need.

Scheduled and recurring payments

Customers can schedule payments and set up recurring ones, such as monthly bills, so regular obligations run on time without reminders.

Money requests and payment links

Customers can request money from someone or share a payment link, which makes it simple to get paid by friends, customers and family.

Voice-note commands

Customers can speak instead of type.

Voice notes are transcribed and handled like any other message, which opens banking to people who prefer speaking or find typing hard.

Automatic spending categorisation

FinAI sorts transactions into categories such as food, transport, airtime, bills and savings.

Customers can correct a category, and the correction is remembered.

Spending summaries

Customers ask how much they spent today, this week or this month, overall or by category, and compare with the previous period.

Ask anything about your money

Customers ask questions about their own data, such as "how much did I spend on data in September?" Every figure comes from their actual transactions, not from guesswork.

Budgets with alerts

Customers set a budget for a category and get alerts at 80 percent and 100 percent of it.

They find out before they overspend, not after.

Savings goals

Customers set a savings goal with a target and a deadline and track progress.

Money moves toward a goal only after the customer confirms it.

Weekly digest and nudges

Customers receive a weekly summary and timely nudges, such as unusual spending, upcoming bills, low balance or salary received.

They can pause or mute insights at any time.

Subscription and recurring payment detection

FinAI spots recurring charges and subscriptions, so customers can see what is quietly costing them money each month.

Money lessons

Customers get short, practical answers on budgeting, saving and avoiding scams.

It builds financial confidence, especially for first-time digital users.

Scam coach

FinAI warns customers about suspicious beneficiaries or patterns and explains common scams in simple language.

It is a protective layer for customers, and a way for your bank to show it is on their side.

Confirm before money moves

FinAI collects the details through conversation, then shows one clear confirmation summary before anything moves.

Every payment is confirmed with the customer's PIN, and higher-risk payments need extra verification.

Safe account linking and PIN setup

Customers link their WhatsApp number to their bank account through bank-side verification, and set their PIN in a secure form rather than typing it into the chat.

Step-up verification for higher risk

For larger amounts, new beneficiaries or a changed device, FinAI asks for extra verification such as an OTP or biometric check.

Protection scales with the risk of the action.

Customer-set daily limits

Customers set their own daily transaction limit, with a default maximum of ₦50,000 a day.

Customers decide how much they are comfortable moving through chat.

Human hand-off

Customers can ask for a person at any time, and FinAI hands over when it is unsure, when a dispute or fraud report comes in, or when something sensitive comes up.

The agent sees the full conversation and picks up in the same WhatsApp thread.

Five languages

FinAI works in English and Nigerian Pidgin, plus Yoruba, Hausa and Igbo.

Customers bank in the language they think in.

Simple commands that always work

Customers can type MENU, BALANCE, HELP, AGENT or STOP at any time.

Control is always one word away.

Privacy, consent and transparency

FinAI tells customers they are talking to an AI, asks for consent to process their data and lets them view, pause or clear what it remembers.

Insights are guidance, not regulated financial advice.