15 million Kenyans work in the informal sector. Most are women. MamaPesa is an AI coach that meets them on WhatsApp, tracks the shilling-by-shilling reality of their day, and turns it into consistent savings.
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Income is inconsistent and unpredictable. Cash flows through hands all day with no record. Banks ask for payslips that don't exist. Apps assume a monthly salary and a smartphone with enough storage for a third-party calendar.
The result: hard-working women save in coin tins, in chamas, in their head — and rarely break out of the day-to-day cycle.
A simple WhatsApp message at end of day. 'How much came in? How much went out?' That's it.
School fees, a bigger stall, a sewing machine. The coach helps name the goal and break it down.
Every shilling saved is celebrated. Progress charts. Streaks. Real wealth, not lectures.
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