Zung.ai client story
4:12 Housing Finance Bank Employees SACCO
Hazi Mugara · Chairman
Kampala, Uganda
On what the board can now see between meetings, and how members experienced the switch.
Grow your MFI or SACCO with leads that convert — and consent you can prove.
mfileads is the lead management and member growth platform built for microfinance institutions and SACCOs. Capture prospects at markets, meetings and branches, see which ones to call first, reach them on WhatsApp and SMS, and track each one to an active member.
No credit card. Import your existing lists in minutes. Part of the Zung.ai ecosystem.
New leadsCaptured with consent this month
1,240
QualifiedScore 50+ after first contact
610
EngagedOffer sent on WhatsApp or SMS
352
ConvertedNow active members
118
9.5%Lead → member
71Avg. score, hot list
0Unconsented messages
- 20+
- institutions on the Zung.ai platform
- 200,000+
- end users and borrowers served across the ecosystem
- 14 days
- free trial, no credit card
- 0–100
- explainable score on every lead
Consent recorded on every lead
Encrypted in transit, isolated per institution
No gender, age or ethnicity in scoring
Export or delete your data any time
Platform
Everything between “I’m interested” and “active member”
Eight connected tools, one pipeline. Built around how MFIs and SACCOs really grow — through field officers, members and trust.
Consented lead capture
Forms, QR codes and field entry that record consent the moment a lead is born.
Learn moreExplainable lead scoring
A 0–100 score per lead, with every point explained. No black box.
Learn moreWhatsApp & SMS outreach
Personalised messages on the channels borrowers use — only to people who opted in.
Learn morePipeline & follow-ups
A drag-and-drop pipeline from first contact to active member, with reminders.
Learn moreMember referral tracking
Track which members bring in new members — and reward them fairly.
Learn moreTerritories & field teams
Split your market into territories, assign officers and compare performance.
Learn moreGrowth dashboards
Conversion, pipeline value, sources and officer performance — live.
Learn moreConsent & data protection
Consent records, opt-outs, data export and deletion — ready for your regulator.
Learn more
Explainable lead scoring
Call the right prospects first — and know why
Every lead gets a 0–100 score from seven transparent factors: consent, reachability, source quality, defined need, income information, engagement and recency. Officers see exactly what raised or lowered a score, so they trust it — and managers can defend it.
- Factor-by-factor breakdown on every lead
- Weights you can tune per institution
- Never uses gender, age, religion or ethnicity
82
Sokha Chan
Market trader · Phnom Penh, Cambodia · Business loan
Market trader · Phnom Penh, Cambodia · Business loan
Source: member referral20/20
Consent recorded15/15
Need defined15/15
Engagement (2 calls)12/20
Recency10/10
Income captured10/10
Reachable phone0/10
Illustration — fictional person and sample data.
Pipeline & follow-ups
A pipeline built for loan officers
Drag prospects from New to Qualified, Engaged, Applied and Converted. Every lead has an owner, a next follow-up date and a full timeline of calls, visits and messages — so no prospect is lost between a market visit and a loan application.
- Daily “due today” and “overdue” lists
- Lost reasons that show where you lose borrowers
- Officer and territory leaderboards
New
Qualified
Engaged
Converted
WhatsApp & SMS outreach
Personal messages, only to people who said yes
Templates approved by your team, personalised with the lead’s name and product, sent from a named officer on WhatsApp or as SMS through Africa’s Talking or Twilio. mfileads blocks anyone without consent, adds an opt-out link, and logs every message.
- One-tap WhatsApp with the message ready
- SMS worldwide with your registered sender ID
- Opt-outs honoured instantly, institution-wide
Hi Sokha, this is Dara from Mekong Valley Credit Cooperative. Thanks for your interest in a business loan at Saturday’s market fair. Could I visit your stall on Thursday to explain the options?
Stop messages: mfileads.com/u/…
Stop messages: mfileads.com/u/…
Yes, Thursday is fine, after 10am 👍
Great — see you Thursday at 10:30.
Illustration — fictional names and institution.
Who it’s for
Built for the way your institution grows
Microfinance institutions
Fill loan officers’ days with qualified borrowers.
See howSACCOs & credit unions
Recruit members through referrals, delegates and employers.
See howDigital lenders
Turn app installs and USSD sessions into compliant, scored leads.
See howAgricultural finance
Line up input-loan demand before the planting season.
See howGroup lending & savings groups
Track groups and their members from first meeting to first loan.
See howFintechs & vendors selling to MFIs
Run your MFI and SACCO sales pipeline in a CRM that speaks their language.
See how
Consent & data protection
Grow without the regulator knocking
Data-protection authorities now fine lenders for unsolicited marketing — and a mobile-money payment is not consent. mfileads makes the compliant way the easy way.
How compliance worksConsent per lead
When, where and in what words — stored on the record.
Outreach blocked
No consent or opted out? The message simply cannot be sent.
Access requests
Export one person’s full record as a file in one click.
Erasure requests
Permanently delete a lead and their whole history.
Integrations
Works with the channels your members already use
WhatsApp Live
One-tap click-to-chat with the message ready on the officer’s phone.
Africa’s Talking SMS Live
Send SMS from inside mfileads with your own sender ID.
Twilio SMS Live
SMS for Asia, the Americas, Europe and Oceania through Twilio.
CSV & Excel Live
Import lead lists and export any view, ready for Excel.
QR codes & capture links Live
A printable QR code and link for your institution’s capture form.
Zung core banking On approval
Create the member in Zung the moment a lead converts.
WhatsApp Business API On approval
Approved template campaigns with delivery and read receipts.
USSD On approval
Let feature-phone users register interest with a short code.
Client stories
Institutions running on the Zung.ai platform
mfileads is part of Zung.ai. Hear from leaders who moved their core banking onto it.
Zung.ai client story
4:12 
Zung.ai client story
2:28 Cocolife Insurance
Jessica Sanga · SVP, Head of Loans
Metro Manila, Philippines
On rebuilding origination and servicing around an AI-native core, and what it gave back to her lending team.
Zung.ai client story
4:53 Jengeka MicroFinance
Hamisi Bukhari · Chief Technology Officer
Dar es Salaam, Tanzania
On data reconciliation, dual running, and the week the legacy core was switched off for good.
Pricing
Priced for cooperative finance
Every plan starts with a 14-day free trial. No card needed.
Starter
For small SACCOs and single-branch MFIs getting organised.
$49 / month
500 new leads a month · 2 team members
- Branded capture form & QR code
- Explainable lead scoring
- WhatsApp one-tap & SMS outreach
- Pipeline board & follow-ups
- CSV import & export
- Consent records & opt-outs
- 5 message templates
Most popular
Growth
For growing MFIs and multi-branch SACCOs with field teams.
$149 / month
5,000 new leads a month · 10 team members
- Everything in Starter
- Custom scoring weights
- Referral tracking & leaderboard
- Territories & officer leaderboards
- Full growth dashboards
- Unlimited templates
- Audit log
- Guided onboarding
Enterprise
For MFI networks, microfinance banks and large SACCOs.
Custom
Unlimited leads · Unlimited team
- Everything in Growth
- Unlimited leads and users
- Data migration done for you
- Named success manager
- Invoice & annual billing
- Custom data-processing terms
- Priority access to the API & Zung connector
Growth guides
Learn what works in member growth
Field teams
Pipeline management for loan officers: from market visit to disbursement
A simple pipeline framework that helps loan officers and branch managers stop losing prospects between first contact and disbursement.
6 min read Lead scoringLead scoring for microfinance: how to prioritise prospects fairly
How MFIs and SACCOs can use simple, explainable lead scoring to decide who loan officers call first — without bias or black boxes.
6 min read ComplianceDirect marketing consent for lenders under Kenya’s Data Protection Act
What MFIs, SACCOs and digital lenders need to know about consent, opt-outs and recent ODPC decisions on unsolicited marketing.
7 min readFAQ
Questions MFIs ask us
What is mfileads?
mfileads is lead management and member growth software built for microfinance institutions and SACCOs. Your team captures prospects with consent, sees which ones to call first, reaches them on WhatsApp or SMS, and tracks each one through to an active member.
Does mfileads give us lists of borrowers?
No. We do not sell, buy or scrape personal data. mfileads helps you capture and convert people who are interested in your institution — through your capture form and QR code, field visits, events, member referrals and lists you already hold lawfully. That is what keeps you on the right side of data-protection law, and those leads convert better.
How does the lead score work?
Each lead gets a score from 0 to 100 built from seven transparent factors: source quality, engagement, marketing consent, how clearly the need is defined, reachability, income information and recency. Every lead shows exactly how many points each factor contributed. Gender, age, religion and ethnicity are never used.
Can we send WhatsApp and SMS messages?
Yes. Officers send personalised messages from templates: WhatsApp opens on the officer's phone with the message ready, and SMS is sent through Africa's Talking in Africa or Twilio everywhere else. mfileads blocks messages to anyone without recorded consent or who opted out, and adds an opt-out link automatically.
Do we need Zung core banking?
No. mfileads works on its own with any core banking system. A connector that creates members in Zung core banking when a lead converts is on the roadmap.
Which countries do you support?
mfileads works worldwide, with built-in phone and currency formats for 40 countries across Africa, Asia, the Americas, Europe and Oceania, and an “Other country” option for everywhere else. SMS goes through Africa’s Talking in Africa and Twilio everywhere else.
How long does it take to get started?
Minutes. Sign up, import a spreadsheet of prospects or share your capture link, and invite your officers. Most teams have their first prioritised list the same day.
Is our data safe?
Each institution’s data is isolated and only visible to its own users, by role. Everything is encrypted in transit, sign-ins are rate-limited, and sensitive actions are written to an audit log. You can export or delete your data at any time. See our security page for details.
Your next members are already asking about you.
Capture them with consent, call the right ones first, and watch them move to active members. Free for 14 days — no card needed.
- 14 days free
- No credit card
- Import your list in minutes
- Cancel any time