farikai/kumba

AI voice powerded fintech app, with ai shopping, financial and predictive analysis # Kumbapay — AI Voice-First Digital Wallet Kumba is a voice-first AI-powered digital wallet for Nigeria. It combines financial management, a marketplace, bill payments, and an AI assistant (Kumba) that can execute transactions, analyze finances, and guide users — all through natural conversation. ## Features ### 💰 AI Financial Assistant (Kumba) - Voice-first chat interface with 20+ tools - PIN-protected transactions (send, buy airtime, pay bills, place orders) - RAG-powered context: remembers transactions, spending patterns, beneficiaries - Navigates any app screen via voice commands - Budget-aware shopping: checks budget before recommending purchases ### 🏪 Marketplace - Seller dashboard with store registration - Product CRUD (add, edit, delete inventory) - Orders management with status tracking - Payout history for sellers - Commission-based revenue model (5% default) ### 📊 Financial Tools - **AI Budget Planner** — Set category budgets, track vs actual spending - **Budget Analytics** — Visual breakdown of budget vs actual - **Transaction Analytics** — Income/expense trends and charts - **Financial Stability Analyzer** — Health score (0-100) from real data - **AI Tax Calculator** — Nigerian PAYE bracket estimation - **Savings Goals** — Track progress toward targets ### 💸 Payments & Bills - Send money via 9PSB to any Nigerian bank - Buy airtime (MTN, Airtel, Glo, 9mobile) - Data bundles - Electricity bills (IKEDC, EKEDC, AEDC, PHEDC, IBEDC, KEDC) - TV subscriptions (DSTV, GOtv, StarTimes) - Scheduled recurring payments - QR code scanning - Fund wallet via bank transfer/card ### 🛒 Shop & Compare - Product search across stores (Jumia, Konga, Jiji) - Category browsing (Rice, Beverages, Electronics, Fashion, Home & Kitchen) - Price comparison with savings display - Marketplace products from sellers - Order placement with wallet debit ## Tech Stack | Layer | Technology | |---|---| | Frontend | Next.js 16 (App Router), TypeScript (strict), Tailwind CSS v4 | | Back …