Helping banks create personalised solutions for Muslim customers using their data

Users want more from banks. They want real-time insights, amazing user experience, and personalised recommendations. We meet that demand for all customers, including Muslims.

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What we do

Bank Data Enrichment

We transform transaction data into user friendly data by extracting and translating key details such as descriptions, amounts, timestamps and more.

Financial Insights & Budgeting

We analyse users’ spending patterns and income sources to provide them with personalised insights and tips on how to manage their money better.

Savings and Product Recommendation

We help your customers set up and find the best saving plans for their financial goals. We then provide bank product recommendation based on their saving projection.

Halal Investment Tools

We offer your customers a range of Shariah-compliant investment products and services that suit their needs and values.

Zakat Calculation Assistant

We simplify the process of calculating and paying your zakat obligations by using our smart zakat calculator that takes into account your assets, liabilities, income and expenses.

Use Cases

Learn how banks use our tools

We work with banks to provide personal financial management tools to their customers. The data we enriched allows banks to deliver significant value to users such as financial management, zakat utilities, and Shariah-compliant investing tools.

Financial Planning

We help your customers to track their finance and recommend budgets based on their financial behaviour.

Saving

We provide saving recommendations to your customers based on their financial behaviour so they can achieve their goals.

Commitment Tracking

We help your customers track their bills and commitments to help them avoid overdue payments.

Zakat Fulfilment

We provide zakat calculation tools and payment channels to help your customers purify their wealth.

Halal Investing

We build a Shariah compliant stock screener to help your customers invest without compromise.

Announcement ISO 27001 Certification Process

We are pleased to inform you that Kestrl is currently undergoing the ISO 27001 certification acquisition process. This demonstrates our commitment to providing the highest standards of information security, cybersecurity, and privacy protection for our clients.

Products

Products that provide financial literacy

Kestrl Money Manager API helps you create smooth, intelligent services with users’ financial data. We have a range of products that are ready to use, each designed to solve specific financial problems faced by banks and users.

Transaction Enhancement

Define and categorise raw transaction data into meaningful information familiar to users.

Personalised Spending Insights

Provide spending insights tailored to users’ financial activities.

Monthly Budget Recommendations

Recommend healthy financial planning to users according to their financial activities.

Commitment Tracker

Identify and track users’ recurring bills and other commitments to avoid missing payment deadlines.

Auto-saving Pots

Perform automatic and recommended savings based on users’ spending behaviour and budget.

Interactive Goals Tracker

Track saving goals with an interactive and user-friendly goal tracking system.

Shariah Stock Screener

Provide a platform for users to discover Shariah-compliant stocks according to Islamic standards.

Portfolio Manager

Build portfolios of Shariah-compliant stocks with performance metrics, risk indicators, and portfolio rebalancing suggestions.

Zakat Calculator

Hassle-free Muslim tax calculator with our regulated zakat calculator tailored to countries.

Case Study

Bank Islam: Malaysia’s Leading Islamic Bank

Bank Islam cares about their customers and their financial well-being. With Kestrl’s help, they designed an interactive and customer-oriented Money Manager that empowers customers to take charge of their finances.

Bank Islam is pleased to partner with a values-orientated fintech like Kestrl that shares our commitment towards customer centricity and Shariah compliance.

Dato' Muazzam Mohamed

Chief Executive Officer at Bank Islam Malaysia Berhad