---
title: WayaWaya and ChoiceBank to offer AI-supported banking service in Kenya - Developing Telecoms
description: African fintech WayaWaya has partnered with Choice Bank, a microfinance bank licensed by Central bank of Kenya. to launch WayaWaya Banking, a service that allows users to open bank accounts, hold funds in multiple currencies, make local and international transfers, and pay utility bills.
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date: 2026-11-09T15:11:13Z
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African fintech WayaWaya has partnered with Choice Bank, a microfinance bank licensed by the Central Bank of Kenya, to launch WayaWaya Banking, a service that allows users to open bank accounts, hold funds in multiple currencies, make local and international transfers and pay utility bills.

The service operates under the regulatory framework of the Central Bank of Kenya (CBK).

Under the partnership, Choice Bank provides the regulated banking infrastructure, while WayaWaya is responsible for the technology platform and customer experience. The arrangement combines Choice Bank’s banking capabilities with WayaWaya’s digital services and personalisation technology.

WayaWaya describes its model as Intelligent Adaptive Banking, an approach that uses artificial intelligence to analyse customers’ financial activity and adjust their banking experience to their needs. The platform offers personalised dashboards and tools based on how users earn, spend, save, invest and manage their money, with the aim of adapting as their financial priorities change.

The idea is to move beyond customers having to search for financial services. Instead, the platform can increasingly anticipate their needs and make relevant financial capabilities accessible within their banking environment.

Choice Bank will provide the banking infrastructure that enables WayaWaya users to access banking services within the app. WayaWaya can then tailor how those services are presented to a business owner managing daily collections or an individual setting money aside.

WayaWaya says it has built on its team’s experience innovating in financial services to identify gaps and offer solutions empowering access to banking and financial services through smartphone applications, instant messengers and APIs.

The launch forms part of WayaWaya’s longer-term ambition to build a pan-African neobank. The company plans to work with banks and financial infrastructure providers across the continent, connecting services in different markets through a single platform.