AI solutions for financial institutions

Intelligence your institution can bank on.

Espero AI builds and deploys production-grade AI for banks, insurers, SACCOs, and micro-finance across East Africa — from credit risk to fraud, service to operations. Rigorous, explainable, and built for the way regulated finance actually works.

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Nairobi, Kenya · Serving financial institutions across East Africa

Built for

BanksInsurersSACCOsMicro-finance

Capabilities

What we build for financial institutions

Not slideware — deployed systems that sit inside your operations, respect your regulators, and pay for themselves.

Credit scoring & risk

Alternative-data underwriting and portfolio risk models that expand access while holding default rates — with reason codes regulators accept.

Fraud & AML detection

Real-time anomaly detection across transactions and claims, cutting false positives and surfacing the cases your analysts should actually see.

Customer intelligence

Churn, next-best-product, and lifetime-value models that turn your core-banking data into growth — segmented for retail, SME, and member bases.

Document intelligence

KYC, claims, and loan-file automation — extract, verify, and route documents in seconds instead of days, with a human in the loop where it matters.

Conversational AI

Member and customer assistants that answer accurately, in your products' language, and escalate cleanly — grounded in your own policies, not guesses.

Process automation

Intelligent workflows across reconciliation, reporting, and back-office operations — measurable hours returned to your team every week.

By institution

We speak your sector

The same rigour, tuned to the realities, regulators, and margins of each kind of institution.

Banks

Risk, fraud, and customer growth at core-banking scale — with the auditability supervision demands.

Insurers

Faster underwriting, smarter claims triage, and fraud signals that protect the loss ratio.

SACCOs

Member intelligence and lending models that grow the book responsibly and deepen member trust.

Micro-finance

Alternative-data credit and automation that make small-ticket lending viable and scalable.

How we work

From problem to production, without the theatre

Diagnose

We start with your P&L and your data — a focused assessment that finds where AI moves a real number, not where it looks impressive.

Pilot

A tightly scoped pilot on your own data, with a clear success metric agreed up front. Weeks, not quarters.

Deploy

We integrate into your stack, harden for security and compliance, and ship to production with monitoring and explainability built in.

Partner

We stay — retraining models, tracking impact, and finding the next opportunity as your institution grows.

Our stance

Explainable, or it doesn't ship.

Regulated finance can't run on black boxes. Every model we deploy comes with reason codes, audit trails, and human oversight — so your risk, compliance, and board teams can stand behind it.

Pilot programs — 2026

Our first institutional pilots are opening now.

We're partnering with a small number of forward-looking banks, SACCOs, and insurers as founding pilot clients. Case studies and outcomes will be published here as each one goes live.

Insights