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Zimako Smart Business SolutionsZimako Smart Business Solutions

Est. 2017 — Johannesburg, South Africa

NewMeet Kaya, our AI agent

We build the digital backbone of service delivery.

Verification, billing, payments and debt-management platforms — plus AI agents that automate the work around them — for municipalities, government and the private sector across Southern Africa.

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Trusted by the institutions that serve millions

Joburg WaterMahikeng Local MunicipalityCalibre Capital PartnersVhembe District MunicipalityMHRBVictor Khanye Local MunicipalitySL RecoveryMohokare Local MunicipalityNdwedwe Local MunicipalityZMSAmauhle

(01)Why we exist

At Zimako, we believe technology should be an enabler, not a barrier. We bridge the gap between complex technological challenges and practical solutions that create real value — for businesses, for municipalities, and for the communities they serve.

Read our purpose
01
2017
Founded in Johannesburg
02
50+
Public & private-sector clients
03
200+
Projects delivered
04
15+
Municipalities served

(02)AI agents

Kaya AINew

An AI agent that talks, acts and knows when to hand over.

Kaya answers customers over chat and real-time voice, works on live account data through secure, audited tools, and brings in your team — full transcript attached — the moment a human should take over.

Built for collections and customer service, and wired straight into SmartKollect — so every answer comes from the account as it stands right now.

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Kaya

AI agent · online

Message Kaya…Demo

Chat & real-time voice

Natural conversations on the web and over voice, with replies in real time.

Acts on live data

Checks balances, records arrangements and sends SMS confirmations through secure, audited tools — never raw database access.

Knows what's stale

Every fact Kaya remembers has a shelf life. Anything old is confirmed before she relies on it.

Human hand-off

Escalates to a collector with the whole conversation. After hours, requests wait at the top of the morning queue.

Call auditing

Transcribes recorded calls and scores them against your QA scorecard, ready for supervisor review.

Collections intelligence

One trusted view of an outsourced debtor book across every collection agency you work with.

(03)Solutions

Platforms that run the essentials.

Seven platforms, one mission: help municipalities and businesses verify, bill, collect and serve — accurately, securely and at scale.

Debtor book4 of 1 208
  • ACC-10482Rates & servicesPTP
  • ACC-10517Consumer loanDebit order
  • ACC-10533Rates & servicesArrears
  • ACC-10541Business accountFlagged

Debt management · Public & private sector

01

SmartKollect

End-to-end debt management and collections: debtor books, promises-to-pay, debit orders, payment reconciliation and live chat — with built-in AI agents that review flagged accounts and prepare hand-overs for your team.

  • Debtor & PTP management
  • Debit orders & reconciliation
  • Built-in AI agents
  • Live chat

In use at

  • Mahikeng Local Municipality
  • MHRB
  • SL Recovery
  • Calibre Capital Partners
YeboPay

Municipal account

R 1 240,00

Pay now

Payments

02

YeboPay

Secure, efficient digital payments for municipal services — with automated statement distribution and payment-gateway integration.

  • Gateway integrations
  • Automated statements
  • Real-time reconciliation
Household queue0/5 verified
  • HH-20417Ndwedweverifying
  • HH-20418Vhembepending
  • HH-20419Mohokarepending
  • HH-20420Victor Khanyepending
  • HH-20421Roodepoortpending

Social support, targeted

03

Indigent Verification

Advanced verification that accurately identifies and supports indigent households — the platform we launched in 2017 and have since scaled to municipalities nationwide.

  • Household-level verification
  • Integrates with municipal data
  • Built for scale
Billed vs collectedLeakage detected
Billed Collected

Revenue enhancement

04

Revenue Protection

Safeguard revenue streams and prevent losses through digitisation, data cleansing and billing-system optimisation.

  • Data cleansing
  • Billing optimisation
  • Loss detection

New2

#3021

#3022

In progress1

#3019

Resolved2

#3017

#3018

Customer operations

05

DCOMS

Dynamic Customer Operations Management System — one place to run service requests, field teams and customer support.

  • Case management
  • SLA tracking
  • Omnichannel support
my-account / overview

Balance due

R 0,00

Up to date
September statement

Self-service

06

Consumer Portal

A streamlined digital front door where residents and customers view accounts, log queries and manage services.

  • Account statements
  • Self-service queries
  • Mobile-first

Connectivity

07

Telecommunication

Communication infrastructure and solutions that keep modern enterprises and public institutions connected.

  • Network design
  • Unified comms
  • Managed services

(04)Footprint

From one municipality to a national footprint.

Since 2017 our platforms have gone live across six provinces — from Vhembe in the far north to Mohokare on the Lesotho border — and since 2025 for private-sector clients too.

  • 2017RoodepoortGautengHead office
  • 2018Joburg WaterGautengCustomer CRM
  • 2019NdwedweKwaZulu-NatalIndigent verification
  • 2021VhembeLimpopoIndigent verification
  • 2022Victor KhanyeMpumalangaRevenue enhancement
  • 2023MohokareFree StateDigital payments
  • 2026MahikengNorth WestSmartKollect

(05)What we do

Expertise from strategy to code.

Deep industry knowledge meets technical depth — so the solution fits the problem, not the other way round.

  • Agents that converse, reason and act inside your systems — automating customer conversations, quality reviews and back-office work, with a human always one step away.

    • Conversational AI
    • Voice agents
    • Workflow automation

(06)Our journey

Built year by year, partner by partner.

2017

Chapter 01

Company established

Zimako was officially established and registered with the CIPC. In the same year, we developed and launched our first indigent verification software for municipalities.

2018

Chapter 02

First major CRM implementation

Appointed by Joburg Water to install and configure a customised Customer Relationship Management (CRM) system to enhance service delivery and customer support operations.

2019

Chapter 03

Expansion into KwaZulu-Natal

Partnered with Amauhle to assist in the rollout of an indigent verification programme for Ndwedwe Local Municipality, enabling effective targeting of social support services.

2020

Chapter 04

National-scale indigent verification

Commissioned by ZMS to design and develop a scalable indigent verification system for 15 municipalities across South Africa, significantly expanding our national footprint.

2021

Chapter 05

Vhembe District Municipality

Awarded a contract by Vhembe District Municipality to build and implement a robust indigent verification system, tailored to local needs and integrated with municipal data systems.

2022

Chapter 06

Revenue enhancement initiative

Engaged by Victor Khanye Local Municipality to assist with revenue enhancement strategies, focusing on digitisation, data cleansing and billing-system optimisation.

2023

Chapter 07

Digital payments & billing automation

Appointed by Mohokare Local Municipality to implement a digital payment solution, including automated distribution of municipal statements and payment-gateway integration.

2025

Chapter 08

Into the private sector

Zimako expanded beyond the public sector, bringing its platforms to private-sector clients — from debt-recovery specialists to capital partners — while developing and deploying intelligent systems.

2026

Chapter 09

SmartKollect & Kaya AI

SmartKollect, our debt-management platform, is now used by Mahikeng Local Municipality, MHRB, SL Recovery and Calibre Capital Partners — and Kaya AI brings AI agents that chat, talk and act on live account data around the clock.

(07)Contact

Let's build what's next.

Tell us about the challenge — a verification rollout, a billing overhaul, a new platform. We'll come back with a clear next step.

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