Conversational Banking for Digital Microfinance
Grow your customer base and POS network without the added CAPEX and OPEX. Acquire, onboard and engage savers, borrowers, agents and merchants through AI-powered WhatsApp journeys, under your own trusted brand.
The industry challenge
Growth is limited by branches, devices and manual follow-up
Costly network growth
New branches and POS device upgrades add CAPEX and OPEX in underserved regions.
Manual repayment follow-up
Loan officers chase installments by phone instead of growing the portfolio.
Low deposit engagement
Strong savings products go unnoticed without timely, personal prompts.
Agent and merchant churn
Slow onboarding and hotline-only POS support push agents and merchants away.
How SocialCashier fits
One conversational hub, fully white-label under your brand
SocialCashier sits between your customers, agents and merchants and your existing systems, orchestrating every channel through a single integration.
Participants
Orchestration layer
SocialCashier Payment Hub
Existing systems
SocialCashier does not perform regulated banking functions. Accounts, lending and settlement stay with the institution and its partners.
Key journeys
Everyday banking inside WhatsApp
Balance and savings inquiries
Customers check balances, interest earned and recent activity in chat.
Pre-due repayment reminders
Friendly, permission-based nudges a few days before each installment, with smart follow-up.
Tokenized loan collections
Customers pay in a tap through a secure link or transfer, with an instant receipt.
Savings and deposit campaigns
Activate new savers, promote fixed deposits and re-engage dormant accounts.
Conversational onboarding and KYC
Capture ID and business details in chat to onboard customers, agents and merchants faster.
Social POS for agents and merchants
Settlement updates, cardless payments and terminal support in chat, plus working-capital offers.
Channels
Relevant channels and payment methods
Outcomes
What the organization gains
Network growth
Acquire and retain customers, agents and merchants without new branches or devices.
Loan performance
Better repayment behaviour and fewer defaults through timely follow-up.
Deposit and lending growth
More transactions and deeper relationships grow market share.
Reduced churn
Faster onboarding and in-chat support keep agents and merchants active.
Lower servicing costs
Automate routine questions and support that once needed a call center.
Your brand, your rules
Every journey follows the institution's policies and approvals.
Built around existing infrastructure
Works with the systems you use today
SocialCashier connects with the systems and providers you already use. It does not replace them, and it does not hold or settle customer funds.
Your Brand
The organization keeps control of the customer experience.
One Orchestration Layer
Connect channels, payment methods and providers through one payment environment.
AI-Guided Journeys
Use conversational guidance, reminders and institution-defined workflows where appropriate.
Build a Payment Experience Around Your Industry
Connect the channels your customers use with the infrastructure you already have. Tell us what you want to launch and we will get back to you.