Banking & Fintech

AI call handling for
Nigerian banks and fintechs.

Nigerian bank customers call about balance enquiries, account opening, branch hours, and card issues — the same questions, hundreds of times per day. Maraba handles all of them in Hausa, Yoruba, Igbo, and English, 24/7, with NDPR-compliant data handling.

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65%
of bank calls are routine enquiries
₦12K
avg cost per live agent call in Nigeria
<2s
first spoken response from Maraba
NDPR
compliant data handling by design

What Nigerian bank customers call about most

The majority of calls to Nigerian bank and fintech customer lines are answerable from a knowledge base — but they consume the majority of your call centre's time.

💰
Balance enquiries
Customers call to check their account balance, especially after a salary payment or a large transaction. Maraba can authenticate the caller using your configured verification questions and provide the information or direct them to USSD/app alternatives.
📂
Account opening requirements
Prospective customers call to ask what documents they need, what the minimum deposit is, and how long account opening takes. These are pure knowledge base questions — Maraba answers them in seconds in any of Nigeria's four major languages.
🏢
Branch hours and ATM locations
Hundreds of calls per day across a branch network are simply customers asking what time the Ikeja branch closes, or whether the Onitsha branch ATM is working. Maraba answers immediately from your configured data.
🚨
Card blocking and transaction disputes
When a customer's card is stolen or a transaction looks fraudulent, they call in a panic. Maraba collects their details, verifies identity per your configured flow, and immediately escalates to your security team via webhook and WhatsApp — no hold music, no delays.

How Maraba works for your bank or fintech

Maraba integrates with your customer contact number. You configure your knowledge base once — products, branches, verification flows, escalation rules. Maraba handles every call from there.

Live call example — MFB branch enquiry

Caller: Good morning, I want to open an account — what documents do I need?

Maraba: Good morning! To open a savings account, you'll need a valid government-issued ID (NIN, passport, or driver's licence), one recent utility bill or a letter of reference, and a passport photograph. The minimum opening deposit is ₦1,000. Would you like our nearest branch address?

Caller: Yes — I'm in Ikeja.

Maraba: Our Ikeja branch is at 14 Allen Avenue, Ikeja. It opens at 8am and closes at 4pm on weekdays. Shall I note your contact number so a branch officer can call you to schedule your visit?

Caller: Please yes — 08032001234.

Maraba: Thank you. I've logged your callback request for the Ikeja branch. Someone will reach you within one business day. Is there anything else I can help you with?

🛡️
NDPR Compliance — Built in, Not Bolted On
Maraba is designed from the ground up to meet Nigeria Data Protection Regulation (NDPR) requirements for financial services call handling. This is not an afterthought.
  • Call transcripts and recordings are stored under your institution's account only — never shared or cross-referenced with other tenants
  • Configurable data retention periods — you set how long transcripts are kept; defaults align with NDPR-reasonable standards
  • Customer erasure requests are handled via the NDPR data export and deletion tool in your dashboard
  • No customer PII is used to train AI models — your callers' data is yours
  • All data stored in-country on Nigerian or EU-region infrastructure — no US-only data routing
  • Webhook payloads for escalations use TLS 1.2+ — no plaintext transmission of customer data

Built for Nigerian financial services realities

Not adapted from a Western banking AI. Built for Nigerian customer expectations, regulatory requirements, and network conditions.

🗣️
4-language support
Hausa, Yoruba, Igbo, and Nigerian English — including code-switching. A customer calling in Yoruba who shifts to English mid-sentence is handled seamlessly.
🔐
Configurable caller verification
Set your own identity verification questions (last 4 digits, date of birth, BVN confirmation). Maraba follows your configured flow before providing any account-related information.
🚨
Immediate fraud escalation
Card blocking, disputed transactions, and any flagged keyword trigger instant escalation to your security team via webhook + WhatsApp — before the customer hangs up.
📊
Call analytics and trend reporting
See which queries your customers ask most, which branches generate the most calls, and when your peak call hours are — directly from your Maraba dashboard.
🔗
Webhook integrations
Every call event — start, end, escalation, intent classification — fires a configurable webhook to your CRM or core banking system. Build automation on top of Maraba's data.
🛡️
NDPR-aligned data handling
Configurable retention periods, customer erasure tools, tenant-scoped data storage, and no PII training data usage. Built for CBN-regulated institutions and NITDA compliance requirements.

Frequently asked questions

Common questions from Nigerian banks, MFBs, and fintechs about Maraba.

Is Maraba compliant with Nigeria's NDPR for banking data?
Yes. NDPR compliance is a core design requirement, not an add-on. Call data is stored in your account only, never shared, and configurable retention periods let you align with your legal obligations. Customer erasure requests are handled through the dashboard. No PII is used for model training.
Can Maraba handle card blocking calls safely?
Maraba collects the caller's details, confirms identity using your configured verification flow, and immediately fires an escalation webhook to your security team. Card blocking itself is never completed autonomously — Maraba's role is to capture, verify, and escalate immediately. Your security team completes the action.
Does Maraba work for microfinance banks as well as commercial banks?
Yes. MFBs often have smaller teams and receive proportionally high call volumes relative to staff size. Maraba handles the majority of routine enquiries — account opening requirements, branch hours, product rates — entirely without agent involvement, at a fraction of a human call centre's cost.
Can Maraba integrate with our core banking system?
Maraba fires configurable webhooks on every call event — start, end, intent classification, escalation. Your engineering team can use these to update your CRM, trigger workflows in your core banking system, or log calls in your customer service platform. Full webhook documentation is in the developer portal.
How much does Maraba cost for a Nigerian bank?
The Pro plan at ₦65,000/month covers 1,000 calls per month and includes all 4 languages, webhooks, analytics, and team access. For banks with higher volumes, the Enterprise plan offers unlimited calls with SLA guarantees and dedicated infrastructure. Contact us for Enterprise pricing.

Pricing for banks and fintechs

No upfront cost. Scale with your call volume. Enterprise pricing available for high-volume institutions.

Starter
₦20,000/month — 200 calls, all 4 languages, WhatsApp summaries. For small fintechs and MFBs testing AI-assisted call handling before scaling.
Pro — Most popular for MFBs and fintechs
₦65,000/month — 1,000 calls, all 4 languages, webhooks, analytics, team access, NDPR data tools. For active banking operations.
Enterprise — For commercial banks
Custom pricing — Unlimited calls, SLA guarantees, dedicated infrastructure, custom integrations, compliance documentation support. Contact us →

Beyond plan limits: ₦0.50/second, minimum ₦25 per call. Charged post-call, deducted from pre-loaded credit.

Your customers are calling right now.

Set up Maraba in under 10 minutes. No hardware. No compliance risk. Start handling routine enquiries automatically — today.

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