Your Bank in Your Pocket
A fully integrated digital banking platform — mobile app, web portal, WhatsApp banking, and AI-powered financial intelligence. Available 24/7, anywhere in the world.
Everything You Need,
In One Powerful App
The Njepe mobile app transforms your smartphone into a complete financial management tool. No branch visits required.
Balance & Statements
Real-time balance, mini-statements, and downloadable full statements in PDF.
Loan Applications
Apply for loans, track approval status, and receive disbursement notifications.
Smart Notifications
Instant alerts for deposits, loan approvals, dividend credits, and important updates.
Self-Service
Update details, change PIN, download documents, and manage guarantors digitally.
M-Pesa Integration
Deposit and withdraw via M-Pesa instantly. Zero queues, zero paperwork.
Financial Insights
AI-powered spending analysis and personalized saving recommendations.
Full-Featured Member Web Portal
Access your complete financial profile, apply for loans, manage guarantors, and download official documents — all from any browser.
Online Registration
Complete member onboarding digitally in under 10 minutes. Upload ID, fill forms, and start saving immediately.
Loan Status Tracker
Real-time visibility on your loan application: submitted, under review, approved, or disbursed. No more guessing.
E-Guarantor Services
Request and approve guarantees digitally. Guarantors receive instant notifications and can approve via OTP.
Document Downloads
Access loan schedules, clearance letters, share certificates, and tax documents in seconds.
Financial Dashboard
Comprehensive overview of savings growth, loan history, dividend earnings, and contribution records.
Profile Management
Update next of kin, contacts, employment details, and bank account information securely online.
Reply with:
1 – Check Balance
2 – Mini Statement
3 – Loan Balance
4 – Talk to Agent
Savings: KES 248,500
Shares: KES 45,000
Loan Balance: KES 42,000
Updated: Just now ✓
Banking On the App
You Already Use
No app download needed. Access Njepe banking services directly through WhatsApp — the platform 90% of Kenyans already use daily.
Get your last 5 transactions instantly by replying to a message.
Instant answers to common questions about loans, savings, and products.
Real-time WhatsApp notifications for every transaction on your account.
Complex queries are escalated to a live customer care agent within 2 minutes.
Smarter Banking Through
Artificial Intelligence
Our AI engine analyses thousands of data points to deliver faster approvals, smarter recommendations, and stronger security for every member.
AI Credit Scoring
Our proprietary credit model analyses 50+ alternative data points — M-Pesa history, savings patterns, and social indicators — to assess creditworthiness without traditional credit bureau limitations.
Real-Time Fraud Detection
Machine learning algorithms monitor every transaction 24/7, flagging suspicious activity with 99.2% accuracy. Anomaly detection protects members from identity theft and account fraud.
Personalized Financial Offers
AI analyses each member’s savings behavior, loan history, and financial goals to surface the most relevant products at the right time — increasing uptake and member satisfaction.
Smart Financial Recommendations
Members receive personalized monthly insights: optimal savings amounts, when to apply for loans, investment opportunities, and dividend projection models.
Bank-Grade Security. Always.
Multiple layers of security protect your money and personal data across all digital channels.