AI Financial Insights
Upload your bank statement once and get personalized spending analysis, budget recommendations, and money-saving tips powered by Gemini AI.
AI-Powered Fintech · South Africae-skoloto
e-skoloto
Your AI Financial Assistant
Smart Money Decisions, Powered by AI
Upload your bank statement once. Get AI-driven spending insights, smart budget tools, and NCA-compliant lending — all in one place.
- AI Bank Statement Analysis — automatic categorisation & health score
- Smart Budget & Shopping — multi-retailer price comparison
- Responsible Lending — NCA regulated, no hidden fees (coming soon)
- Floating AI Assistant — chat with your finances any time
🏛️ NCR Registered · NCRCP23712🤖 Gemini AI🔒 Enterprise Security☁️ Google Cloud
or
Features
Everything You Need to Master Your Money
Smart Budget Tracking
Automatically categorize expenses, track spending patterns, and get alerts before you overspend. Includes multi-retailer price comparison.
Responsible Lending (Coming Soon)
NCA-compliant loans with AI-powered affordability checks. No predatory fees — just transparent, fair credit when you need it.
Platform Preview
See It in Action
Real product. Real AI. Watch how e-skoloto analyses your finances and guides every decision.
Dashboard & Analytics
AI Financial Assistant
AI Shopping Assistant
🏆 Professional AI Financial Intelligence Platform
How it works
Your Financial Journey
From sign-up to insight — five simple steps to take control of your money.
How it Works
1
👤
Sign Up/In
Google sign-in or manual. Access dashboard, loans, payments, profile & history
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2
📄
Upload Statement
3-month bank statement for AI analysis, insights & smart budget creation
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3
🤖
AI Features
Chat with AI, smart shopping lists, retailer comparison, loan calculator
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4
💰
Apply for Loan
ID photo, selfie, KYC/NCA verification, select terms, e-sign, get paid
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5
📈
Manage & Improve
Track payments, settle early, build credit, improve financial health
Platform
Enterprise-Ready & Compliant
Production-grade AI financial intelligence built on regulatory compliance from day one.
🏛️NCR Registered · NCRCP23712
🤖Advanced AI Analytics
🔒Enterprise Security
🔐 Your financial data is never stored or used to train AI models
Complete financial intelligence suite • No subscription required
AI Capabilities
AI-Powered Financial Tools
Smart Budget Analysis
Using AI to:
- Identify wasteful spending patterns from your bank statement
- Auto-categorize transactions into spending buckets
- Predict cash flow based on your income and expense history
- Generate personalized budgeting recommendations
- Track spending trends month over month
- Suggest savings opportunities based on your habits
AI-Driven Credit Assessment
Leveraging bank statement data to:
- Analyze income and expense patterns for loan eligibility
- Provide fast, inclusive affordability decisions
- Assess repayment risk using real transaction history
- Calculate your maximum qualifying loan amount
- Flag financial health improvements to boost eligibility
- Ensure NCA-compliant responsible lending checks
Transparent Pricing
See Exactly What You'll Pay
No hidden fees. No surprises. Adjust the sliders and see your full repayment breakdown instantly.
The Team
Development Team
Sibusiso Nhlapo
Founder, CEO & Lead Developer
Former Banker | Full-Stack Developer | Built entire platform solo
🔗 LinkedIn Profile🚀 Solo Founder Tech Startup Model
Current: Lean development approach with full-stack ownership
Future: Team expansion planned post-NCA approval and initial funding round
Skills: Banking expertise + Full-stack development + AI implementation
Infrastructure
Digital‑Native Platform
Modern cloud infrastructure with AI-powered automation
☁️
Powered by Google Cloud
Proud member of the Google for Startups Cloud Program
☁️
Cloud-First
Serverless & scalable
🤖
AI-Powered
Instant analysis
📱
Mobile-Ready
Responsive design
⚡
Real-Time
Immediate insights
