Nigerian Fintech Company Launches Voice-activated Mobile Banking

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By  Felicity Ebere -


A Nigerian fintech company, TeKodarPay, has launched a voice-activated mobile banking system that allows users to carry out financial transactions using only their voice. The new feature lets customers send money, pay bills, buy airtime and check account balances without tapping their screens.

According to TeKodarPay, the technology is powered by an advanced AI voice engine trained to recognise natural speech patterns, local accents and pronunciation differences. The app also includes a “secure voice lock” that prevents unauthorized people from triggering transactions even if they try to imitate a user’s voice.

Tech analysts say the move is one of the biggest innovations in Nigeria’s digital banking space this year, especially as fintechs continue to look for ways to simplify mobile transactions.

TeKodarPay's CEO said the feature was built with inclusivity in mind. “We wanted to create something that works for everyone including people who cannot type easily, the elderly, the visually impaired and busy users who prefer hands-free banking,” she said.

Early users who tested the system shared positive feedback, saying it performed well even in noisy environments like markets and parks. One user in Lagos said the feature helped her transfer money while driving without touching her phone, making it safer and more convenient.

The app also gives users the option to switch between English, Pidgin and selected Nigerian languages, with more languages expected to be added by the end of the year.

Industry watchers believe this development may push more banks and fintech companies to roll out similar voice-driven services, especially as Nigeria’s digital banking sector becomes more competitive.

Financial experts also say voice banking could become a major tool for increasing financial inclusion across rural communities, where many first-time users struggle with traditional mobile apps.

TeKodarPay says it will continue testing and improving the system while working with regulators to ensure the feature meets all security and compliance standards.

Author: Oraefoka Felicity Ebere | 23d/7hls/221

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