Kenyan Lenders Can Now Access Custom Lua AI Agents to Get Better, Faster Leads

Look at your sales pipeline. How many promising clients are still stuck at “initial contact”?

Every stalled lead, every blurry ID photo, every WhatsApp message left unanswered isn’t just a delay—it’s lost revenue.

In Kenya’s financial market, speed isn’t a nice-to-have—it’s the deciding factor. On the Money254 marketplace, we see thousands of applicants comparing products every day, and the ones listed as ‘fastest to approve’ consistently attract the most applications. If you’re slow, your competitors are already winning your frustrated customers.

That’s why Lua - a Y Combinator–backed AI company - has tailored its powerful automation to the Kenyan lending market. With Lua, your institution can access a custom-built AI agent designed to pre-qualify and convert clients on regular online platforms such as WhatsApp or a website. 

Here is what this means for your institution: 

1. Turn a WhatsApp Chat into an Approved Application

Forget asking customers to download yet another app. The Lua agent engages clients on the platforms they already use—like WhatsApp or your website. It walks them through onboarding: KYC, document collection, and instant answers to FAQs, 24/7.

Your team walks in on Monday morning to a list of vetted, qualified applicants—not a backlog of half-finished forms.

2. Supercharge Your Field Agents

Your field team’s time is too valuable to waste on data entry or chasing bad leads.

Picture this: Your field agent is at a boda boda riders’ meeting in Ngara. Instead of passing around a clipboard, they share a QR code. Riders scan it, start a WhatsApp chat, and the Lua agent pre-qualifies them for an asset finance loan on the spot—collecting their KYCs with ease. By the time the meeting ends, your agent has a list of high-intent leads ready for a real conversation.

3. Free Yourself From Spoofers

If you’re in digital credit, you already know the problem: thousands of people click “apply,” but only a fraction are serious.
Your team wastes hours filtering through fake names, incomplete submissions, or applicants who disappear mid-process.

The Lua agent does the heavy lifting for you. It:

• Filters out unserious applicants by guiding them step-by-step to completion.
  
  
• Flags high-quality leads instantly, so your credit team spends time only where it matters.
  
  
• Reduces human review of incomplete or garbage data.

The result? A funnel that’s leaner, faster, and more cost-effective.

4. Slash Acquisition Costs

Every redirect, every form field, every delayed response is a chance to lose a customer.

By keeping clients engaged in real time and guiding them to the finish line, Lua helps lower acquisition costs by up to 70% compared to app-only flows. That’s a marketing budget you can put to better use. 

5. Better Data Entry

Bad data slows everything down. The Lua agent enforces quality at the source. It captures information in a structured way and instantly detects a blurry ID photo or incomplete form—guiding the user to fix it before your credit team ever sees it.

This means faster approvals, fewer errors, and happier customers.

You're in Full Control.

This isn't a black box. You get a live dashboard to see all conversations, and your data always remains your own. If a high-value client is in a chat, your team can seamlessly interject and take over. It’s the perfect blend of intelligent automation and the human touch, starting from just $25 per month. You can also request for a free trial here.

Your competitors are already looking for ways to get faster and smarter. You cannot afford to have your team chasing paperwork and watching good leads go cold.

The Bottom Line

Your competitors are already looking for ways to get faster and smarter. You cannot afford to have your team chasing paperwork, reviewing fake leads, or watching good prospects go cold.

From just $25 a month and with a free trial for some institutions, you can now get a custom AI agent for your business, get in touch with the Lua team here.