Klivvr has launched K.ai, an interactive artificial intelligence assistant designed to help users manage their finances through conversational support inside its fintech application. The company described the launch as a major step in its effort to make personal finance simpler, more accessible, and more intuitive for users in Egypt. With the new feature, Klivvr aims to move beyond traditional financial dashboards by allowing customers to ask questions and receive clearer insights about their money in real time.
A New AI Layer for Personal Finance
K.ai is positioned as Egypt’s first interactive AI assistant integrated into a fintech application, according to the company. The tool enables users to engage with their financial information through a chat-style experience rather than relying only on charts, statistics, or transaction lists. Through this format, customers can better understand spending habits, monitor expenses, review recent transactions, and access financial information more smoothly.
The assistant is also designed to support purchasing decisions by helping users search for available offers on products and calculate expected installment payments instantly. This makes the feature relevant not only for tracking money but also for planning future spending. By embedding these functions directly into the app, Klivvr is attempting to make financial management feel more practical and connected to daily consumer behavior.
Investment in Technology and Product Development
Klivvr said it has invested more than $10 million in technology development since its launch, reflecting its focus on building a more advanced digital financial experience. The company sees K.ai as part of a broader strategy to strengthen its platform through data-driven tools and smarter customer interaction. Its leadership believes the feature marks a meaningful shift in how Egyptian users can engage with digital financial services.
Onsi Sawiris, Co-Founder of Klivvr, said the launch opens a new chapter for fintech in Egypt by giving users an AI assistant that can understand everyday financial needs and turn money management into a simple conversation. He emphasized that K.ai is not merely another product update, but a sign of how financial applications can become more responsive and personalized. His comments underline Klivvr’s ambition to offer Egyptian users a digital finance experience comparable to leading global standards.
Leadership Vision for AI-Driven Banking
Nils Bachtler, Co-Founder and CEO of Klivvr, said innovation in fintech should focus on products that fit naturally into people’s daily routines. He noted that K.ai is intended to make financial information easier and faster to access, especially for a generation accustomed to digital-first services. According to Bachtler, the launch reflects Klivvr’s broader direction of creating financial services that are closer to users and more adaptable to their changing needs.
Omar Sherif, Co-Founder and CTO of Klivvr, said the company was built from the start as a data-driven business with the belief that AI could improve money management. He explained that K.ai allows customers to ask questions, gain clearer visibility into their Klivvr accounts, and better understand their finances whenever needed. Sherif added that the company’s goal is to build a banking experience that feels more personal, transparent, and useful in everyday life.
Klivvr’s Growth in Egypt’s Fintech Market
Founded in Egypt in 2021, Klivvr offers digital financial solutions across payments and lending through a smart payment card and mobile application. Its services include spending tracking, budget management, and access to a wider range of digital financial tools designed to give users greater control over their daily finances. In 2023, the company received approval from the Central Bank of Egypt, a key milestone in its local expansion.
The company has continued to broaden its product offering over the past several years. In 2024, it introduced Klivvr Family, described as Egypt’s first family banking product, enabling household spending management through one account and up to five individual cards. In 2025, Klivvr expanded into consumer finance through a Buy Now, Pay Later service offering financing of up to EGP 500,000 with repayment plans extending up to 60 months.
The launch of K.ai strengthens Klivvr’s position in Egypt’s evolving fintech sector by combining financial services with conversational AI. Alongside its loyalty program, K.Shop marketplace, BNPL services, and family banking features, the assistant adds another layer to the company’s growing digital finance ecosystem. As Klivvr reports surpassing 700,000 users, K.ai signals its intention to make money management more interactive, personalized, and accessible for the Egyptian market.