Client story
4:53 Jengeka MicroFinance
Hamisi Bukhari · Chief Technology Officer
On data reconciliation, dual running, and the week the legacy core was switched off for good.
Microfinance in Tanzania
Who regulates MFIs and SACCOs, the payment rails members use, and the Zung solutions for Tanzania. Currency: Tanzanian shilling (TZS).
5Country-specific solutions
4Solution categories
29Global solutions that also work here
East AfricaRegion
Market at a glance
Regulators
- Bank of Tanzania — microfinance service providers under the Microfinance Act, 2018
- Tanzania Cooperative Development Commission — SACCOS
Institution types
- Microfinance banks
- Non-deposit-taking microfinance providers
- SACCOS
- Community microfinance groups
Mobile money & payments
- M-Pesa (Vodacom)
- Airtel Money
- Mixx by Yas
- HaloPesa
Credit reference bureaus
- Credit reference bureaus licensed by Bank of Tanzania
Zung in Tanzania
Core banking, SACCO and group lending modules work in TZS. Ask us about mobile money integration.
Zung Store solutions for Tanzania
Plugins marked Live run in Zung today. Store listings are offered in the Zung Store — confirm availability for your institution before you plan around one.
Digital Channels
USSD Gateway (Africa’s Talking)
Store listingUSSD-as-a-service — loan balance, repayment initiation, savings enquiry, and PIN authentication on any feature phone. Covers Kenya, Uganda, Tanzania, Ghana, Nigeria, Rwa…
Regional ComplianceBOU / BOT Reporting (East Africa)
Store listingAutomated regulatory returns for Bank of Uganda (MDI/SACCO) and Bank of Tanzania cooperative returns — capital adequacy, liquidity ratios, and portfolio quality reports …
Mobile Money — AfricaM-Pesa Connector
LiveComplete M-Pesa integration — B2C, C2B, Paybill, STK Push across Kenya, Tanzania, Ghana, Egypt, Mozambique, Lesotho.
Mobile Money — AfricaAirtel Money (18 markets)
Store listingAirtel Money API for 18 African markets — Uganda, Tanzania, Zambia, Kenya, Madagascar, Rwanda, DRC, Niger, Malawi.
Credit BureauxCreditInfo West Africa
Store listingCredit bureau across Ghana, Rwanda, Uganda, and Tanzania — bureau reports and credit scoring for EAC/ECOWAS MFIs.
Client stories from Tanzania
Client story
4:53 Integration kits that fit
Member onboarding with KYC
LiveRegister members at a branch or in the field with ID documents, next of kin and employment details.
SMS repayment reminders
LiveRemind members before the due date and confirm every payment by SMS.
Works in any market 29
Global payments, identity, compliance, insurance and AI plugins
AI Loan Underwriting
Store listingML credit underwriting trained on cooperative repayment behavioural data — thin-file specialist, alternative data integration, explainable AI decisions, and continuous m…
Alternative Credit Data Engine
Store listingThin-file credit scoring using mobile airtime usage, utility payment history, social data, and behavioural patterns — enabling creditworthiness assessment for members wi…
AWS SageMaker
Store listingFull ML lifecycle on AWS — train, tune, and deploy custom credit and risk models using your own institutional data.
Azure OpenAI
Store listingGPT-4o integrated into zung.ai workflows — compliance analysis, member communication drafting, loan officer AI assistant. Data stays in your Azure tenant.
Carbon Credit Registry
Store listingTrack and monetise carbon credits from green-financed assets — solar panels, efficient cookstoves, sustainable agriculture. Connects to Verra, Gold Standard, and ACR reg…
Document Intelligence (OCR & AI)
Store listingOCR and AI extraction from financial statements, payslips, title deeds, and ID documents — auto-populates loan applications, income calculations, and KYC profiles with z…
Google Vertex AI
Store listingManaged ML on Google Cloud — custom fraud and credit models with AutoML and BigQuery integration for portfolio intelligence.
Satellite Farm Valuation
Store listingRemote sensing and NDVI-based agricultural collateral assessment without field visits — crop health scoring, yield estimation, drought risk, and flood exposure using Sen…
Bird (MessageBird)
Store listingUnified communications — SMS, WhatsApp, email, push, voice. 190+ countries and pre-built zung.ai message templates.
Infobip
Store listingGlobal communications — SMS, WhatsApp, Viber, RCS, email, voice across 190 countries. OTP delivery and conversational banking in 60+ languages.
ComplyAdvantage AML
Store listingReal-time AML/CFT monitoring — 2M+ entities, FATF watchlists, PEP screening, sanctions from 200+ jurisdictions, AI adverse media, auto-SAR.
NICE Actimize
Store listingEnterprise AML — transaction monitoring, case management, SAR filing, AI risk scoring across AML, fraud, bribery, insider trading.
Refinitiv World-Check
Store listing6M+ profile database — PEP, sanctions, watchlists, adverse media covering 240+ countries with continuous monitoring.
Adyen
Store listing87 payment methods across 150+ currencies — cards, wallets, local bank transfers in one API. In-person terminals and embedded finance.
Airwallex Treasury
Store listingMulti-currency accounts and FX for institution treasury — hold, convert, and pay in 140+ currencies at interbank rates.
Marqeta Card Issuing
Store listingIssue virtual and physical debit cards to MFI members for loan disbursements and cashback. Just-in-time funding and real-time spending controls.
Nium Global Payouts
Store listingGlobal payouts to 220+ countries, card issuing, and multi-currency wallets. Ideal for diaspora remittance products and loan disbursements worldwide.
Stripe Connect
Store listingGlobal payment infrastructure for 195 countries — card processing, bank debits, digital wallets, and real-time payouts in 135+ currencies. PCI DSS Level 1.
Wise Platform
Store listingReal-exchange-rate transfers and multi-currency accounts for 160+ countries. 50%+ cheaper than bank wires. Batch payments for loan disbursements.
Allianz Partners
Store listingAllianz bancassurance API — travel, life, health, device protection in 70+ countries. Instant policy issuance and real-time claims.
Bima Micro-Insurance
Store listingMobile micro-insurance for 14 countries across Africa, Asia, LatAm — life, accident, hospital, credit life. Premium from $0.50/month.
Swiss Re iptiQ
Store listingWhite-label digital insurance from Swiss Re — life, health, P&C. API-first, instant underwriting, automated claims settlement.
Weather Index Insurance
Store listingSatellite rainfall data with automatic claim triggers — index-based payout without field assessment. Protects agricultural loan portfolios from drought and flood risk. I…
iProov Biometric Liveness
Store listingGenuine Presence Assurance liveness detection optimised for low-bandwidth rural environments. Passive liveness, works on 2G, resists deepfakes.
Jumio NetVerify
Store listingAI-powered identity verification across 200+ countries — 5,000+ ID types, biometric liveness, NFC chip reading, and real-time fraud scoring. SOC 2 Type II, ISO 27001, GD…
Onfido
Store listingNIST-certified facial biometrics, document forgery detection, and watchlist screening across 195 countries. Automated re-verification and configurable risk thresholds.
Veriff
Store listingAI document authentication and biometric verification across 230+ countries. Real-time liveness detection and GDPR-compliant data handling.
HashiCorp Vault
Store listingEnterprise secrets management — dynamic credential generation, PKI, and HSM-backed encryption keys for institution data security.
Okta Identity
Store listingEnterprise SSO, adaptive MFA, lifecycle management. FIDO2 passwordless and zero-trust access for zung.ai admin portals.
More in East Africa
Kenya
Uganda
RwandaThe market summary is a guide, not legal advice — confirm requirements with the regulator. Last reviewed 1 Nov 2026. Spot something out of date? Tell us.