ConvexBot
Proposal for Convex Capital

WhatsApp
Intelligence
Platform

We turn your WhatsApp number into a fully operational digital loan office — running 24/7, converting leads in minutes, and cutting operational cost without adding headcount.

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Overview

Not a chatbot.
A revenue engine.

ConvexBot is a purpose-built WhatsApp Automation & AI Platform designed exclusively for microfinance and credit institutions. Tailored for Convex Capital's model — USD salary-based loans, electronics credit, 72-hour approvals, and partnerships with Zimpost and GTeL.

Rather than a generic chatbot, ConvexBot is a revenue-generating digital infrastructure layer that automates qualification, application intake, collections, and customer support while feeding a real-time dashboard for your internal teams.

Vision

To make Convex Capital the most accessible, fastest-responding microfinance institution in Zimbabwe — reachable by any civil servant, from any location, at any hour, through a single WhatsApp message.

Goals
Objectives

Six measurable outcomes.

01
70%

Automate Qualification

Reduce manual form processing

02
<2hr

Accelerate Approvals

From days to under 2 hours for pre-qualified leads

03
+35%

Increase Conversion

From Facebook & WhatsApp traffic

04
New

Gadget Sales Channel

Electronics credit orders via WhatsApp

05
50%+

Reduce Support Load

Cut repeat inbound queries

06
Auto

Repayment Discipline

Automated reminder sequences before due dates

Core Features

Six modules. One platform.

Every module is purpose-built for microfinance — from lead capture to collections, running entirely through WhatsApp.

01

Smart Loan Application Bot

The flagship module

Guides applicants through a structured, conversational qualification flow — collecting employer details, salary range, desired loan amount, and document uploads — before routing pre-qualified leads directly to your approvals team.

  • Auto-qualification against civil servant eligibility
  • Instant pre-approval estimate delivered in-chat
  • 72-hour approval tracking with status updates
  • Document upload (ID, payslip) directly in WhatsApp
Smart Loan Application Bot
02

Loan Status & Repayment Tracker

Self-service 24/7

Customers self-serve repayment information without calling the branch. The bot handles balance queries, next-due-date reminders, and payment confirmation — automatically.

  • Outstanding balance and payment schedule on demand
  • Automated pre-due-date reminder sequences
  • "I have paid" confirmation flow with agent escalation
  • Downloadable mini-statement link
Loan Status & Repayment Tracker
03

Gadget Financing Bot

New revenue channel

Convex Capital's electronics credit offering becomes a self-service sales channel via WhatsApp. Customers browse devices, see credit plans, and initiate purchase — all without visiting a branch.

  • Catalogue browsing by product category
  • Instant credit plan calculator
  • Eligibility cross-check against salary qualification
  • Zimpost / GTeL branch pickup selection
Gadget Financing Bot
04

24/7 Customer Support AI

Always-on knowledge base

An always-on assistant that handles the most common inbound queries — eliminating repetitive staff workload.

  • Loan requirements and eligibility rules
  • Interest rate explanations
  • Application document checklist
  • Branch hours, locations & partner outlets
24/7 Customer Support AI
05

Smart Collections Engine

Behaviour-aware escalation

A proactive, escalating communication sequence that significantly improves repayment rates without aggressive or costly manual follow-up.

  • Day -3: Friendly reminder
  • Day -1: Nudge notification
  • Day 0: Due date alert
  • Day +3/+7: Soft escalation → Agent handoff
Smart Collections Engine
06

Admin Dashboard

Real-time operations

All bot interactions feed into a live operations dashboard — giving management full visibility over pipeline, performance, and repayments.

  • Live leads pipeline from WhatsApp
  • Loan application status tracking
  • Repayment tracker with overdue flags
  • Campaign performance analytics
Admin Dashboard
Value
Business Value

Not a cost — a revenue multiplier.

40–60%

Reduction in inbound support calls

35%+

Lift in lead-to-loan conversion

10–20%

Repayment improvement reducing NPL exposure

AreaCurrent StateWith ConvexBot
Lead CaptureManual (calls, walk-ins, FB DMs)Automated 24/7 qualification
Application ProcessingPaper / manual intakeStructured digital intake, pre-screened
Customer ServiceStaff handles all queriesBot handles 60%+ autonomously
Gadget SalesBranch-onlyWhatsApp catalogue + credit check
Repayment RemindersManual or noneAutomated escalation sequences
ReportingPeriodic, manualReal-time dashboard
Innovation Edge

Four competitive advantages.

01

Civil Servant Intelligence Layer

Built-in qualification logic specifically calibrated for Zimbabwe's civil service salary bands, employer verification, and deduction structures.

02

Dual-Channel Revenue

No other chatbot solution in Zimbabwe's microfinance space activates electronics credit as a WhatsApp sales channel. First-mover advantage.

03

Partner Network Integration

Native support for Zimpost and GTeL as pickup/service points — turning partners into digital distribution nodes.

04

Collections Intelligence

The escalation engine adjusts reminder tone and frequency based on customer repayment history, reducing friction while improving outcomes.

Launch
Rollout

Three phases. Six months.

Phase 1Month 1–2

Foundation

  • Loan Application Bot
  • Support AI
  • Admin Dashboard
Phase 2Month 3–4

Revenue Expansion

  • Gadget Financing Bot
  • Collections Engine
Phase 3Month 5–6

Intelligence Layer

  • Campaign Bot
  • Credit Scoring Integration
  • Analytics