The PennZone

BETHLEHEM, Pa. - PennZone -- Zivra AI today announced the launch of Zivra, an AI-powered business health and financial intelligence platform built for small and medium-sized businesses that lack real-time financial visibility.

Many SMEs operate with financial activity fragmented across banks, POS terminals, mobile money, wallets, cash, and receipts. As a result, "knowing the numbers" often arrives late—after statements, after reconciliation, after the month ends. In markets where fragmentation is normal, delayed visibility is structural, not a workflow problem. Most software still assumes clean, single-rail data and periodic reporting, leaving business owners reactive instead of proactive.

Zivra is designed for this reality. It ingests multi-rail business activity and continuously evaluates financial health to produce decision-ready outputs in real time. Instead of treating accounting artifacts as the product, Zivra treats them as outputs—while the core value is continuous understanding of cash position, trend direction, and emerging risk.

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"The core problem isn't bookkeeping—it's real-time visibility," said Dr. Chinedu Ekuma, founder and CEO of Zivra AI. "SMEs don't need more reports. They need continuous financial understanding—cashflow, risk, and health signals that update as the business operates."

Zivra provides multi-rail ingestion across banks, POS, mobile money, receipts (including OCR), and manual uploads. As transactions occur, the platform updates real-time indicators such as cash position, cashflow forecasting, and risk or anomaly signals. A business health scoring engine tracks financial stability and trend direction over time, and an AI assistant supports natural-language queries and automated summaries.

Zivra is also built to generate credit-native outputs, including lender-grade health signals that are machine-readable and accessible via APIs. This enables businesses to convert everyday operating activity into standardized intelligence that can support better decisions and improve readiness for capital.

While the company is not aware of a directly comparable solution currently available, the capabilities provided by Zivra AI address a challenge that is especially pronounced in fast-digitizing economies—where businesses adopt digital payments, platforms, and financial tools rapidly, often without unified financial oversight.

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The company's initial focus is on digitally active SME environments, beginning with Nigeria and expanding into other high-activity markets over time. Zivra AI views these markets as early indicators rather than exceptions. Financial fragmentation tends to surface most clearly where digital adoption accelerates fastest, but the same pattern is increasingly evident globally as businesses rely on multiple payment rails and systems that do not reconcile seamlessly.

This positions the problem—and the solution—not as region-specific, but as structurally global.

Zivra is now available, and businesses can request access through the company's website at http://www.zivra.ai.