NCBA Group Partners with Zetu Innovations to Roll Out Nyumba Zetu Property Platform
NCBA Group has entered into a distributor partnership with Zetu Innovations, the creators of Nyumba Zetu, a next-generation digital property management platform. The partnership is aimed at streamlining the management of residential, commercial, mixed-use, and affordable housing properties across Kenya through innovative, data-driven tools.
The NCBA Group and Zetu Innovations partnership will offer a solution that empowers landlords, property managers, developers, and homeowners’ associations with robust capabilities to handle rent collection, invoicing, maintenance tracking, and tenant communication.
The agreement, signed as the NCBA Group Zetu Innovations MoU, marks a key move by the bank to expand its suite of digital solutions supporting real estate clients and SMEs.
The Nyumba Zetu Platform, developed by Zetu Innovations, is a cloud-based property management software in Kenya designed to address long-standing inefficiencies in the sector. Its features include rent collection, automated billing, tenant management, expense tracking, and detailed financial reporting.
In addition, Nyumba Zetu offers automated penalty systems to encourage timely rent payments, real-time messaging, and performance dashboards with actionable Key Performance Indicators (KPIs) such as outstanding balances and complaint resolution rates.
A standout element of the platform is its integration with WhatsApp. The Nyumba Zetu WhatsApp chatbot sends rent invoices and reminders directly to tenants, removing the need for a separate mobile application. This function increases accessibility for landlords and tenants alike, especially in a market where WhatsApp is widely used for everyday communication.
“This partnership reaffirms our commitment to deliver simple, secure and smart digital solutions for everyday operations,” said Sally Chege, Transactional Banking Director at NCBA Group.
“We do this by offering a platform that addresses long-standing property management challenges but also meets the evolving needs of Kenya’s fast-growing real estate market.”
The NCBA Group partnership with Zetu Innovations complements the bank’s current property-related services, including mortgages, construction loans, and solar leasing. It also adds to NCBA’s broader digital offering, which features platforms like Connect Plus and Soma Plus.
NCBA Group, by incorporating Nyumba Zetu property management into its ecosystem, is providing landlords and property developers with the tools they need to professionalize operations and scale sustainably.
NCBA Group Zetu Innovations will jointly offer the platform to real estate players across Kenya. The goal is to simplify operational management while providing transparency, especially for SME landlords, cooperatives, and multi-unit property owners.
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The story of Zetu Innovations is grounded in real-world experience. CEO & Founder of Zetu Innovations Ltd, Nicholas Ogaye, developed Nyumba Zetu to address personal challenges he faced while managing an apartment in Kenya from New York.
A former software engineer at Morgan Stanley and American Express, Nicholas Ogaye turned a personal challenge into a continent-wide opportunity. Today, the Nyumba Zetu platform is also being rolled out in Zambia and South Africa.
“Nyumba Zetu was built to reimagine property management for a digital future,” said Nicholas Ogaye.
“Our partnership with NCBA accelerates that mission by giving landlords, property managers and home-owners’ associations across Kenya and the diaspora access to powerful, data-driven tools.”
The Zetu Innovations leadership team, which includes Waringa Ngugi and Njuki Kihori, brings a mix of technical, psychological, and business expertise to the company’s operations. Their combined knowledge has shaped a product that is not only feature-rich but also user-centric.
In addition to its technical strengths, Zetu Innovations property management software adheres to data protection standards in Kenya. The Nyumba Zetu Platform is fully compliant with regulations from the Office of the Data Protection Commissioner, enhancing its trustworthiness in an increasingly regulated digital landscape.
Jefferson Wachira is a writer at Africa Digest News, specializing in banking and finance trends, and their impact on African economies.
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