How Kwikash Works

Discover the simple, secure process that connects employers and employees through WhatsApp for instant salary advances

1

Employer Registration

Employers register on the Kwikash web-based platform and securely upload employee details to enable the service.

Required Employee Information:

  • Employee names
  • National ID numbers
  • Registered phone numbers (Safaricom, Airtel, or Telkom)

Secure employee data registration ensures accurate identification and communication setup

2

Employee Onboarding

Employees receive an automated WhatsApp message explaining the service and requesting consent, ensuring compliance with Kenya's Data Protection Act.

Sample Welcome Message:

"Karibu Kwikash! Your employer has enrolled you in our salary advance system for quick cash access. We'll use your details securely to process loans. Reply 'Accept' to get started or 'Info' for our privacy policy."

WhatsApp Business API ensures secure, compliant communication with consent management

3

Employee Initiation

After accepting the service, employees can start their journey by simply replying "Hi" or "Menu" to unlock fast salary advances.

Employee:

"Accept"

Kwikash:

"Great! Reply 'Hi' or 'Menu' to unlock fast salary advances from your phone!"

Simple activation process gets employees started with just a text message

4

Identity Verification

Multi-layer security verification using National ID, phone number matching, and secure PIN authentication.

Verification Steps:

  1. National ID number entry
  2. Phone number verification
  3. Secure PIN authentication

Security Features:

If details don't match: "Sorry, this phone number isn't linked to National ID [12345678]. Please contact HR to update your details."

Bank-level security with multiple verification layers protects both employees and employers

5

Loan Application

Smart eligibility checking based on employment tenure, repayment history, and existing loans ensures responsible lending.

Transparent Terms Example:

"You've requested KES 5,000. Here are the terms:
1. Repay KES 5,250 on [Date] (includes 5% interest: KES 250).
2. No penalties for early repayment.
Reply 'I CONFIRM' to accept."

Fair, transparent lending with clear terms and no hidden fees

Complete Service Management

6

Loan Processing

Instant automatic approval or manual review within 24 hours, with real-time status updates.

🎉 Your loan is approved! Funds will hit your mobile wallet shortly.

7

Loan Management

Full loan tracking with status checks, repayment schedules, and automated reminders.

2. Check loan status
3. View repayment schedule
8

Customer Support

24/7 self-help options, HR contacts, and live agent support when needed.

PIN reset
FAQs
Live agent

Why This Process Works

For Employees

  • • No app downloads required
  • • Simple WhatsApp interface
  • • Transparent terms and conditions
  • • Instant fund disbursement
  • • 24/7 self-service options

For Employers

  • • Easy platform registration
  • • Automated employee onboarding
  • • Reduced HR workload
  • • Compliance with data protection
  • • Employee satisfaction boost