Cognito Systems

01Capabilities

What we build

Two products and one practice, organised around the problem you arrived with. MARTHA runs customer operations, ZFAI gives you financial truth, and Cognito Digital connects and operates the systems underneath both.

Three layers of the intelligence stack, separated

02Start where it hurts

01

Customer operations

Resolve customer issues across WhatsApp, web, email and voice — without scaling support headcount linearly.

MARTHA
02

Financial operations

Turn fragmented transactions and financial activity into one trustworthy, real-time operating view.

ZFAI
03

Business transformation

Replace disconnected tools and manual workflows with one integrated operating system that Cognito continues to run.

Cognito Digital
Fig. 01 — Channel resolutionEvery channel in. Almost all of it out, resolved — at Zap Africa.

03Customer operations

Resolve customer issues across WhatsApp, web, email and voice — without scaling support headcount linearly.

MARTHA

Product — MARTHA

Who it’s for

  • COO
  • Head of Customer Experience
  • Support Director
Try Martha Free

MARTHA is an AI resolution engine for operational customer support. Not a chatbot. Not a helpdesk. An intelligent system that understands customer intent, detects sentiment, speaks their language, and resolves issues in real time. Named after the founder's sister, because she loves to talk.

What’s breaking today

Your support team is drowning. Response times stretch to hours or days. Customers churn before anyone replies. Hiring more agents costs more than the revenue they save. And existing tools like Intercom still need humans to do the actual work.

Evidence

  • 30-second response, down from 30 hours

  • 91.7% resolved without human intervention, in production at Zap Africa

  • 60–90% reduction in support cost

What it does

  • 01

    30-Second Resolution

    Response time drops from 30 hours to 30 seconds. AI resolves 91.7% of tickets without human intervention, measured in production at Zap Africa.

  • 02

    Omnichannel Support

    Website chat, email, WhatsApp, voice, SMS, Telegram, Slack — every channel your customers use.

  • 03

    African Language Support

    Nigerian Pidgin, Hausa, Yoruba — not just English. Built for how Africans actually communicate.

  • 04

    Empathy Stack

    Detects intent, language, sentiment, and frustration level. De-escalates in real time.

  • 05

    Works Alongside Intercom

    Not a replacement. MARTHA handles the volume, Intercom handles the complex. Reduces cost, not tools.

  • 06

    Voice Note Processing

    Understands voice notes on WhatsApp. No other AI support tool does this.

  • 07

    5-Minute Integration

    Widget script or API. Live in 5 minutes, not 5 weeks.

  • 08

    Low-Bandwidth Optimized

    Works on slow connections. Designed for African network realities.

Supported channels

  • Website Chat
  • Email
  • WhatsApp
  • Voice
  • SMS
  • Telegram
  • Slack

+ African language support: Nigerian Pidgin · Hausa · Yoruba

Why MARTHA is different

  • WhatsApp-native (competitors ignore this channel)

  • Voice note processing

  • Nigerian Pidgin, Hausa, Yoruba support

  • Low-bandwidth optimized

  • Works alongside Intercom

  • Empathy stack with real-time de-escalation

  • $16/month vs $150+/month for global tools

Pricing

Starter

$16/mo

N20,000

For small businesses getting started with AI support

  • 500 conversations/month
  • 2 channels
  • Basic analytics
  • Email support

Team

Popular

$65/mo

N100,000

For growing teams with multi-channel needs

  • 2,500 conversations/month
  • All channels
  • Advanced analytics
  • Priority support
  • Custom training

Pro

$250/mo

N370,000

For businesses that need full AI operations

  • Unlimited conversations
  • All channels
  • Full analytics suite
  • Dedicated support
  • Custom integrations
  • SLA guarantees

Enterprise

Custom

For large organizations with specific requirements

  • Everything in Pro
  • On-premise deployment option
  • Custom SLA
  • Dedicated account manager
  • White-label option
Fig. 02 — Transaction to truthFive sources, one reconciled view. Exceptions surfaced, not dropped.

04Financial operations

Turn fragmented transactions and financial activity into one trustworthy, real-time operating view.

ZFAIEarly access

Product — ZFAI

Who it’s for

  • CFO
  • Finance Director
  • Fintech operator
Request Early Access

Financial intelligence that sees across every account, wallet, and transaction stream. ZFAI reconciles transactions scattered across systems, surfaces exceptions, and delivers financial truth in real time. Found $25,000 in forgotten wallets in its first week.

What’s breaking today

Your finances live in 10 different systems. Your accountant reconciles manually. Transactions slip through cracks. You discover discrepancies weeks or months later. The financial truth is always delayed, always incomplete.

Evidence

ZFAI is in early access. We publish reconciliation accuracy, reporting speed, exceptions detected and hours saved once there are enough deployments to report them honestly.

Six components

  • 01

    PULSE — Data Ingestion

    Connects to every account, wallet, and payment system. Pulls transaction data in real time.

  • 02

    LEDGER — Normalization

    Standardizes data from different formats, currencies, and systems into a single ledger.

  • 03

    ENGINE — Classification

    AI-powered transaction categorization. Learns your business patterns over time.

  • 04

    LAZARUS — Transaction Matching

    Resurrects dead financial data. Matches transactions across systems that were never connected.

  • 05

    SENTINEL — Exception Detection

    Flags anomalies, discrepancies, and suspicious patterns before they become problems.

  • 06

    BEACON — Reporting

    Real-time financial dashboards. The truth about your money, updated continuously.

Pricing

Early Access

Popular

Free

Be among the first to experience financial truth

  • Full feature access during beta
  • Direct feedback channel
  • Priority onboarding
  • Founding user pricing when launched
Fig. 03 — Operating architectureThe same systems you already own, on one spine.

05Business transformation

Replace disconnected tools and manual workflows with one integrated operating system that Cognito continues to run.

Cognito Digital

Engagement — Cognito Digital

Who it’s for

  • Founder
  • CEO
  • COO
  • Transformation lead
Talk to Us About Your Business

We build it, we run it, we stay. Cognito Digital connects the tools, data and workflows your business already depends on into one operating layer — then stays on to run and improve it, rather than handing it over. Website, e-commerce, events, ticketing, social presence, support automation: integrated as one system, not shipped as a package. Where they fit the engagement, MARTHA and ZFAI are deployed alongside it.

What’s breaking today

Your business runs on disconnected tools, manual processes, and scattered data. Customer inquiries slip through cracks. Operations depend on who happens to be online. Growth means hiring more people instead of building better systems.

Evidence

  • Operating costs reduced

  • Workflows automated end to end

  • Reporting consolidated into one view

What it does

  • 01

    Complete Digital Presence

    Website, e-commerce, social media — every customer touchpoint designed and connected.

  • 02

    Operations Automation

    Support, ticketing, events, scheduling — automated workflows that run without you.

  • 03

    Intelligence Layer

    Analytics and decision tools from day one, with MARTHA or ZFAI deployed where the engagement calls for them.

  • 04

    Ongoing Partnership

    Not a handoff. We manage, iterate, and optimize your digital infrastructure continuously.

  • 05

    African Market Expertise

    Built for Nigerian payment systems, WhatsApp-first communication, and mobile-dominant users.

  • 06

    Data Integration

    Every tool connected. Every data point flowing to where decisions are made.

How engagements work

Transformation is scoped, not packaged. We start with the diagnostic, agree the first intervention and the measure it will be judged on, then price the engagement against that. Cognito stays on to operate what it builds.

06The expertise flywheel

Compounding intelligence.

Every engagement makes us sharper. MARTHA builds richer conversation flows, ZFAI learns more reconciliation patterns, and Cognito Digital compounds what it knows about how African businesses actually run.

Your data stays yours — what compounds is our domain expertise and the models we build ourselves.

  1. Real-world patterns→
  2. Refined models→
  3. Smarter products→
  4. Better outcomes

Start

Find where your organization is losing intelligence.

Fifteen minutes maps where customer, financial and operational signals are breaking down in your business — and what it is costing you.

Run the 15-minute diagnostic
Book a working session
Or try MARTHA free

Direct

hello@cognito.systems

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Cognito Systems

© 2026 — Lagos, Global

Organizational intelligence infrastructure