AI for Arabic banking and microfinance operations.
Sheba builds AI agents for Sharia-compliant banks and microfinance institutions — product education, eligibility, and lead intake in native Arabic, with compliance and data boundaries built in.
The problem in banking operations
Customers ask about Murabaha, Ijara, and Musharaka financing, account requirements, and daily exchange rates — patiently and repeatedly, often outside branch hours. Phone lines and relationship managers absorb questions that have the same answer every time, and Sharia-aware language has to be exact.
What the AI handles
- Explains Islamic financing products — Murabaha, Ijara, Musharaka — with eligibility and required documents.
- Answers account-opening requirements and daily FX and remittance questions, 24/7.
- Maintains Sharia-compliant language and an Islamic greeting under a defined persona.
- Captures financing leads — type and amount — and routes them to relationship managers.
- Escalates underwriting and complex financial decisions to a human, with full context.
How Sheba fits
ChatSheba runs the customer-facing layer across WhatsApp Business API and the web; custom engineering connects it to your core systems where deeper integration is required. Both run inside your data boundary.
Compliance and data boundaries
Designed to support regulated deployment planning: per-deployment data boundaries, on-prem or regulated-residency paths available by scope, and human escalation as a built-in control.
- PDPL-aware by design
- On-prem and regulated-residency paths
- Per-deployment data boundaries
- Human escalation as a control
Deployment pattern
A Sharia-compliant microfinance bank runs an Arabic AI agent under a defined name and persona. It opens with an Islamic greeting, explains financing products and eligibility, provides daily FX rates, and captures financing-application leads with type and amount — then hands underwriting to a human relationship manager. Routine product questions are answered in under 15 seconds, 24/7, and leads reach the team pre-enriched.
- Channels
- WhatsApp and a web chat widget
- Systems it reads and writes
- the core banking system and the customer record
- Escalates to
- a compliance officer on defined triggers
Part of 30+ production deployments across 14+ industries.
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