# Agentic AI for banks in Africa African banks and fintechs serve fast-growing, mobile-first customers, often with lean teams. We help them use AI agents for onboarding, fraud, collections and service, with controls mapped to local data protection laws and central bank cyber rules. ## Key facts - **Regulators:** South Africa, Nigeria, Kenya, Egypt: see below - **Deployment options:** Azure South Africa North and West, Google Cloud Johannesburg, AWS Cape Town, in-country data centres, or on-premises - **First agents we build:** Mobile money, USSD and WhatsApp service, SIM-swap and account takeover checks, Onboarding with BVN and FICA checks - **Controls on every agent:** Own identity and least-privilege access, human approval for material actions, full audit trail, prompt-injection testing ## Use cases - **Mobile money, USSD and WhatsApp service:** Answer balance and transaction questions on the channels customers use, acting through the same back-end systems as staff. - **SIM-swap and account takeover checks:** Flag risky activity after a SIM swap or device change and draft the case before money leaves. - **Onboarding with BVN and FICA checks:** Check identity numbers and documents for Nigerian and South African customers and prepare the file for approval. - **Micro-loan collections:** Prioritise accounts and draft reminders within each regulator's conduct rules, with an officer approving payment plans. - **Central bank returns:** Gather data for regulatory returns, run checks and flag gaps before submission. - **Multi-currency cash management:** Reconcile accounts and forecast liquidity across local currencies and USD for treasury approval. ## Regulators - **South Africa:** Prudential Authority and FSCA, including their joint standard on cybersecurity and cyber resilience; FIC Act for AML; POPIA. - **Nigeria:** CBN Risk-Based Cybersecurity Framework; Nigeria Data Protection Act 2023 and the NDPC's GAID. - **Kenya:** Central Bank of Kenya cybersecurity guidance; Kenya Data Protection Act 2019. - **Egypt:** Central Bank of Egypt requirements; Personal Data Protection Law No. 151 of 2020. ## FAQ ### Can agents work with mobile money and USSD channels? Yes. Agents can sit behind app, web, WhatsApp and USSD journeys, acting through the same approved back-end systems your staff use. ### Where can banking data be hosted? In South Africa on in-country hyperscale regions; in Nigeria, Kenya and Egypt in local data centres or on-premises, using regions abroad only where your transfer assessment allows it. ### Which use case should we start with? Fraud case drafting, KYC file preparation or collections are common first steps: agents prepare the work and an officer approves it.