Financial Services

Banking, insurance and fintech on AWS, built for your regulator and your customers.

From mobile money in Nairobi to open banking in Dubai and London, financial institutions in our markets process more digital transactions per customer than almost anywhere on earth. The winners are the ones that can launch a product in weeks, detect fraud in milliseconds, and show the regulator exactly where every record lives. That is an AWS architecture question, and it is where we spend most of our time.

Sector practice

Delivered under our AWS AI, Data & Analytics, Migration and Modernization and DevOps Competencies.

KES 41.7 trillion
processed by M-PESA in the year to March 2026
Source: Safaricom FY2026 results
89%
F1 score reached by graph-based fraud models at an East African mobile money operator on AWS
Source: Safaricom, June 2025
60%
cloud cost named the top concern by African fintech and enterprise leaders
Source: Africa Hyperscalers poll, August 2026

What we hear

The pressures financial services leaders describe to us.

  • Core banking and card systems that cannot be changed fast enough for product teams
  • Fraud and social-engineering losses rising faster than rules engines can adapt
  • Regulatory reporting to central banks and data protection authorities done by hand
  • Dollar-denominated technology costs against shilling, naira or cedi revenue
  • Board pressure to show an AI result that is not a chatbot demo

Use cases

What we build for financial services on AWS.

Fraud and AML intelligence

Real-time transaction scoring with graph features and feedback loops from investigators.

AWS: Amazon SageMaker, Amazon Neptune, Amazon Kinesis

Agentic customer service

Agents that resolve balance, loan and card queries in English and Swahili across WhatsApp, USSD and voice.

AWS: Amazon Bedrock, Amazon Connect

Credit decisioning on alternative data

Scoring models using mobile money, airtime and merchant signals with explainability for the regulator.

AWS: Amazon SageMaker, AWS Lake Formation

Regulatory data platform

A governed lakehouse that produces prudential and data protection reports on demand.

AWS: Amazon S3, AWS Glue, Amazon Redshift, Amazon QuickSight

Core modernisation and resilience

Move surrounding systems to AWS, add API layers over the core and design for multi-AZ resilience.

AWS: Amazon EKS, Amazon Aurora, AWS Direct Connect

Insurance intake automation

Document understanding for claims and underwriting with human review.

AWS: Amazon Bedrock, Amazon Textract

Regulation and residency

Designed within the rules.

We design against the cloud and outsourcing guidelines of your central bank and the data law of your country, from the Central Bank of Kenya guidelines and the Kenya DPA to POPIA, the NDPA, the UAE and Saudi PDPLs, DORA and GDPR. Every engagement produces a data classification and residency map you can hand to your regulator.

Questions

Common questions

Will our central bank allow core workloads on AWS?

Regulators across the region increasingly permit cloud with conditions around residency, exit and audit rights. We map your workloads against the specific guidance, start with surrounding systems and data platforms, and document everything for the supervisory review.

How do you protect against prompt injection and fraud in AI agents?

Scoped permissions, Amazon Bedrock Guardrails, approval steps for money movement, adversarial evaluation sets and full audit logs. Agents never hold more authority than the human role they assist.

Next step

Talk to our financial services team.

We will share the relevant reference architecture, the compliance map for your country, and whether an AWS program could help offset the cost.

Goes to sales@shujaa.ai. We reply within one business day.