Members dial a shortcode, verify with OTP, get their disbursement, then receive repayment reminders that actually arrive. The whole loop runs on Sozuri — USSD, SMS, OTP and Payments behind one project.
For SACCOs, fintechs and microlenders, the channel that wins is the one members already have. SMS reaches everyone; USSD lets them apply without data; M-Pesa puts the loan in the same wallet they buy groceries with.
The same menu that works on the cheapest Nokia works on the newest iPhone. Sozuri's USSD engine calls Bidii's core-banking API mid-session to check eligibility, then collects amount, repayment plan and consent — all in under 90 seconds.
A 4-digit OTP lands on the member's phone in under 3 seconds — their reply is the legally binding signature. Every step is logged with timestamp, IP and message ID for ODPC-grade auditability.
Bidii's app fires a Sozuri STK Push to disburse, then schedules repayment SMS for the agreed cadence. AI agents handle the "what's my balance?" and "can I top up?" inbound questions automatically; only complex requests reach the team.
From the moment a member dials the shortcode to M-Pesa landing. Down from a typical 4–7 days at branch.
SMS reminders with a one-tap top-up offer pull repayments forward dramatically.
BAL, STMT, TOP-UP, BRANCH — the agent reads the docs and answers. Human team focuses on the urgent 30%.
“The first month we moved loan applications to USSD, we processed more disbursements than the prior quarter combined. Members didn't need to come to the branch — they didn't even need the app.”
USSD for reach, SMS for delivery, OTP for trust, M-Pesa for cash. Sozuri stitches all four into a single project so your members get one consistent experience.