About Us

What is Intelli-Cash?

Intelli-Cash is a comprehensive digital platform designed specifically for African Village Savings and Loan Associations (VSLAs), chamas, and social groups seeking to strengthen their financial operations. Our SaaS-based solution transforms traditional community savings groups into powerful financial cooperatives while preserving the trust and solidarity that makes them successful.

Built with multi-tenant architecture, we serve both community groups and lending organizations, enabling seamless management of savings cycles, loan disbursements, social funds, and external funding partnerships. Our platform integrates with mobile money systems like M-Pesa and KCB BUNI, making financial transactions as simple as sending a text message.

Who We Are?

Intelli-Cash is a product of Intelli-Wealth Limited, a social enterprise focused on empowering African agricultural communities through accessible digital financial tools and comprehensive financial literacy programs.

We are technologists, financial experts, and community advocates who recognize that Africa's financial future lies in strengthening existing community structures, rather than replacing them. Our parent company, Intelli-Wealth Limited, has worked directly with VSLAs, chamas, and social groups across Kenya, Uganda, and Tanzania, providing financial education and digital solutions that truly serve grassroots agricultural communities.

What We Offer?

Our platform provides complete group management with integrated mobile money transactions and automated SMS notifications, designed specifically for agricultural communities and their unique financial needs.

  • Multi-fund management supporting internal savings, chama contributions, agricultural loans, and external lending partnerships
  • Automated loan calculations with flexible repayment schedules tailored for seasonal agricultural income patterns
  • Real-time transaction processing through M-Pesa and KCB BUNI integrations for all group activities
  • SMS notifications for contributions, loan approvals, harvest season reminders, and payment schedules via Africa's Talking

Teams

People Behind Your Financial Empowerment

Our diverse team at Intelli-Wealth Limited combines deep technical expertise with grassroots understanding of agricultural finance, chama operations, and rural community dynamics to build solutions that actually work for farming communities.

Phylis Wanjiku

Community Expert

A dedicated advocate and specialist in gender-inclusive finance. Phylis ensures our platform and services are designed to empower all members, particularly recognizing and addressing the unique needs of women, who make up the majority of active members in VSLAs and chamas across Africa.

Chrisphine Ondiek

Technical Director & Co-Founder

A skilled technologist with over 5 years of expertise in developing social technologies and artificial intelligence solutions. Chrisphine is responsible for architecting the Intelli-Cash platform, ensuring it is robust, secure, and intelligently automated to serve our communities effectively.

Constant Immanuel

CEO & Founder

A visionary leader with over 10 years of hands-on experience working directly with Village Savings and Loan Associations (VSLAs) and community savings groups. Constant's deep understanding of the challenges and opportunities at the grassroots level is the foundational insight upon which Intelli-Cash was built.