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KAPA ONE
World's First WhatsApp-Native Business Operating System
💰 KAPA ONE Finance — Financial Services Workforce Management

Run Your Financial Services Business From WhatsApp

Staff attendance, client management, compliance tracking and daily reports — all via WhatsApp. No new app. No training. Live in hours.

★★★★★ Rated 4.9/5 by 100+ financial services firms
KAPA ONE Finance — Branch Hub
💼 Meridian Capital
● Live
28
Client Meetings
RM 485K
Pipeline
15
RM Checked In
3
Follow-ups Due
👤 Relationship Manager Activity Today
Ahmad R. — Client Meeting
Completed ✓
Siti N. — Follow-up Call
Scheduled
Kumar S. — Document Review
Pending
🏭 Compliance Checklist Status
✓ Verified: 34 ⏳ In Review: 6 ❌ Flagged: 2
Powering financial services firms across Malaysia

KAPA ONE Finance is the complete WhatsApp-Native Financial Services Workforce System — agent attendance, client management, compliance and payroll all running inside the app your team already uses every day. No downloads. No training. No IT department required.

💰 One System, Every Role

Every Role In Your Firm.
One WhatsApp Number.

Branch managers, operations, agents, compliance and finance each get exactly what they need from KAPA ONE Finance — without ever leaving WhatsApp.

See Your Entire Branch at a Glance

Full visibility across every agent and client portfolio — daily performance reports, a revenue dashboard and staff overview delivered straight to WhatsApp.

Daily Performance Reports Revenue Dashboard Staff Overview Compliance Summary Leave Approvals
See Branch Manager Features →
Agents On Duty22 / 24
New Applications Today14
Pending Leave Approvals3
Monthly RevenueRM 460,000

Coordinate Agents, Applications and Tasks in Real Time

Track agent attendance, assign client follow-ups and monitor application pipelines — all coordinated from WhatsApp.

Agent Check-In/Out Application Tracking Task Assignment Client Follow-Ups Shift Scheduling
See Operations Manager Features →
Agents Checked In22 / 24
Applications In Progress36
Follow-Ups Due Today11
Tasks Completed Today28

One Number for Every Agent in the Field

Check in for the day, view assigned clients and log applications — all from the WhatsApp number agents already use every day.

WhatsApp Check-In Client Assignments Application Logging Leave Requests Payslip Access
See Agents / Relationship Officers Features →
Checked In Today22 / 24
Clients Assigned Today58
Applications Logged Today14
Leave Requests Pending2

Keep Every Application Audit-Ready

Review applications for compliance, flag documentation gaps and maintain a full audit trail — all tracked automatically through WhatsApp.

Document Verification Compliance Checks Audit Trail Escalation Alerts Reporting
See Compliance / Back Office Features →
Applications Reviewed Today19
Documentation Gaps Flagged2
Escalations Pending1
Audit Records Logged36

Track Every Ringgit Across the Business

Reconcile daily transactions, track commission payouts and get consolidated financial reports — all generated automatically and delivered to WhatsApp.

Daily Reconciliation Commission Payouts Payroll Processing Monthly P&L Expense Claims
See Finance / Accounts Features →
Today's TransactionsRM 82,000
Pending Commission PayoutsRM 24,000
Payroll This MonthRM 186,000
Expense Claims This Month17
🎯 Getting Started

Ease Into a New
Way of Working

📱

Connect your number

Link your existing business WhatsApp number — no new number, no app switch for your team.

⚙️

Configure your workflows

We set up attendance rules, approval chains and payroll settings to match how your business runs.

👥

Invite your team

Every staff member gets a welcome message on WhatsApp — they're working within minutes.

🚀

Go live and grow

Add departments, branches and new modules any time as your business scales — no migration needed.

🛡️ Reliable by Design

A Platform You Can
Depend On

Seamless Launch

Our step-by-step onboarding gets you live in under an hour. Start with one module or all of them — scale up without procurement headaches.

💬

Dependable Support

Get responsive technical support from our team, plus dedicated onboarding assistance for every new client we bring on board.

🔒

Your Security, Our Priority

With 99.9% uptime, every connection to our servers uses industry-standard encryption to keep your business data protected.

⚙ One Intelligent Platform

Everything Your Business Runs On,
In a Single System

Manage Employees, Projects, Attendance, Invoicing, CRM, HR and Finance — all in one intelligent platform connected directly to WhatsApp.

👥
Employees
📋
Projects
Attendance
📄
Invoicing
🤝
CRM
💼
HR
💰
Finance
📱

KAPA One works on YOUR business WhatsApp number

No new app for your staff to download. They simply message your existing business WhatsApp number, and KAPA One handles attendance, leave, payroll, tasks, invoices and more — automatically, in the background.

✨ See It In Action

Every Part of Your Firm,
Automated Through WhatsApp

From the field agent to the branch manager, compliance to finance — every role gets exactly what they need, delivered straight to WhatsApp.

✅ Check In
📍 Branch - Verified
⌛ 8:58 AM ✓✓
⚠️ 2 agents not checked in
Staff Attendance
WhatsApp Staff Attendance
Check in and out for the day with automated late tracking and instant shortage alerts.
📋 New Application
Client: Ahmad R. - Personal Loan
✅ Documents Verified
Application Tracking
Application & Pipeline Tracking
Track every application from submission to approval, with status updates visible in real time.
🏭 Compliance Check
Application #4021
⚠️ Missing Document Flagged
Compliance
Compliance & Document Checks
Review documents and run compliance checks directly on WhatsApp, with a full audit trail logged automatically.
📋 Follow-Up Due
Client: Siti N. - Today
✅ Follow-Up Completed ✓
Task Management
Client Follow-Up Management
Assign and track client follow-ups, completed with a tap the moment contact is made.
💰 Payslip Ready
Net: RM 4,850.00
Commission calculated ✓
Payroll
Automated Payroll & Commission
Payroll and commission payouts calculated automatically every month, with payslips delivered directly to WhatsApp.
⏰ Follow-Up Reminder
3 clients due today
📊 6 PM Performance Report Sent ✓
Smart Notifications
Smart Notifications
Automatic follow-up reminders, compliance flags and daily reports — sent without anyone lifting a finger.
🧾 Expense Claim
Travel - RM 95.00
✅ Approved by Finance
Expense Claims
Expense Claims
Snap a photo of a receipt and submit instantly — finance approves with one tap, fully logged.
Application Conversion89%
Agent Productivity93%
KAPA Hub Dashboard
KAPA Hub Dashboard
A real-time view of every agent, application and compliance check, on a dashboard that works on desktop or mobile.
⚡ The KAPA One Difference

Why KAPA One Is Different From
Traditional ERP, CRM & Payroll Tools

Traditional business software requires new apps, weeks of training, and IT teams to manage. KAPA One eliminates all of that by working entirely inside WhatsApp.

Capability KAPA One Traditional ERP Standalone Payroll Tool Generic CRM
Works on WhatsApp natively Yes
No app download for staff Yes
Setup time Under 1 hour Weeks to months Days to weeks Days to weeks
Staff training required None Extensive Moderate Moderate
GPS attendance & field tracking Built-in Add-on module
AI invoice & document extraction Built-in Add-on module
Quotation approval workflow Built-in Custom config Partial
Automated WhatsApp reminders Native Via integration
IT department required No Usually yes Sometimes Sometimes
Real-time management dashboard KAPA HUB included Limited
👥 Built for Every Role

HR, Managers and Accountants —
All Working from WhatsApp

GPS Attendance
Location-verified check-in and checkout with automated reminders.
🌴
Leave Management
8 leave types with instant WhatsApp approval workflow for HR.
💰
Automated Payroll
Full statutory compliance with automatic deduction calculations.
Overtime Tracking
Multi-tier OT rates with manager approval and payroll sync.
🧾
Expense Claims
Receipt photo capture with instant Accounts approval routing.
📋
Task Management
Manager-led multi-staff scheduling with smart time slots.
📍
GPS Anti-Fraud
Radius verification at customer locations for field staff.
🤖
AI Work Reports
Auto-generated professional summaries from field notes.
📄
Quotation System
Branded PDF quotes with built-in director approval flow.
📧
Invoice AI
Automatic extraction and reminder tracking from email inbox.
⚠️
Discipline Engine
Automated warning notices based on attendance patterns for HR.
📊
KAPA HUB Dashboard
Real-time management portal with full data visibility for Directors.
🏢 Industries We Serve

Trusted Across Every
Financial Services Sector

From banks to accounting firms, KAPA ONE Finance adapts to the unique operational needs of your business.

🏦
Banks
Retail BankingCommercial BankingDigital Banks
🛡️
Insurance Agencies
Life InsuranceGeneral InsuranceInsurance Brokers
💰
Loan & Financing Companies
Personal LoansSME FinancingMicrofinance
📈
Investment Firms
Wealth ManagementAsset ManagementInvestment Advisory
💵
Money Services & Remittance
Money ChangersRemittance ServicesCurrency Exchange
📋
Accounting Firms
Accounting PracticesBookkeeping FirmsTax Advisory
📊 Your Data, Always Visible

All Data Stored Securely
in KAPA HUB

Every check-in, leave request, invoice and quotation processed through WhatsApp is automatically recorded in your KAPA HUB dashboard — accessible anytime, anywhere.

Real-Time Data Sync

Every WhatsApp action updates your KAPA HUB dashboard instantly — no delays, no manual entry.

Complete Audit Trail

Every approval, payment and task is logged with full timestamps and history.

Role-Based Access

Directors see everything; managers, HR and accounts see only what's relevant to them.

Secure Cloud Storage

Bank-grade encryption with automated backups — your business data is always protected.

Exportable Reports

Generate attendance, payroll and financial reports in just a few clicks.

Meridian Capital Hub — Weekly Overview
● Synced
RM 460K
Avg Pipeline
89%
Application Conversion
93%
Agent Productivity
Weekly Application Volume
Mon
Tue
Wed
Thu
Fri
Sat
Sun
⚡ How It Works

From Sign-Up to Go-Live
In Under an Hour

1
Choose Your Plan
Select the package that matches your team size and operational needs.
2
We Connect Your Number
KAPA One is configured to run on your existing business WhatsApp number.
3
Staff Get Invited
Each team member receives a WhatsApp welcome message — that's it.
4
Go Live Instantly
No training, no downloads. Your team is productive from message one.
📈 Real Results

Measurable Impact From
Day One

0
Financial Firms
0
Finance Professionals
0
Client Interactions
0
Uptime
💰 Choose Your Plan

Plans That Grow
With Your Business

All plans include KAPA HUB Dashboard, WhatsApp Native access & free software updates.
No hidden fees. Cancel anytime.

📊KAPA Hub
👥KAPA HR
📋KAPA CRM
💵KAPA Finance
💳KAPA Payroll
🤖AiBo AI
WhatsApp
🚀
AGENCY STARTER
RM 399/month
Setup Fee: RM 2,999

Perfect for small agencies, brokers & independent advisors

Agency Starter Features
  • Up to 10 staff
  • Staff Attendance & GPS Tracking
  • Client Visit Reporting
  • Basic CRM Pipeline
  • Daily Activity Report
  • Basic Hub Dashboard
Get Started with Agency Starter →
🏢
ENTERPRISE FINANCE
RM 1,699/month
Setup Fee: RM 14,999

Ideal for banks, insurers & large financial services groups

Everything in Financial Firm Pro, plus:
  • Unlimited staff
  • Multi-branch Management
  • Regulatory Reporting
  • Advanced Analytics
  • API Integration with Core Banking
  • Dedicated Compliance Support
  • Custom Integrations
Contact Sales →
☁️
Additional Cloud Storage

Store invoices, documents, images, AI processed files, reports, attachments and more securely in the cloud.

+50 GB
RM20 /month
+100 GB
RM35 /month
+250 GB
RM75 /month
+500 GB
RM150 /month
+1 TB
RM250 /month
Custom
Contact Sales
💬 Customer Stories

Trusted by Financial Services Leaders
Across Malaysia

★★★★★
"Tracking agent attendance and application pipelines used to mean three different tools. Now it's all in one place, on WhatsApp, in real time."
V
Vivian Chua
Branch Manager, Meridian Capital
★★★★★
"Compliance reviews used to be a bottleneck at month-end. Now every document gap is flagged the moment it's found, with a full audit trail."
H
Hafiz Rahman
Compliance Manager, TrustLine Insurance
★★★★★
"Commission payouts for our 24 agents used to take days to calculate. It's now automated and payslips go straight to WhatsApp every month."
A
Angeline Wong
Finance Director, SecureFund Financing
❓ FAQ

Frequently Asked
Questions

How does agent attendance work? +
Agents check in and out directly from WhatsApp for each work day, with attendance data feeding into payroll and performance reports automatically.
Can we track loan or insurance applications from WhatsApp? +
Yes. Agents log new applications and operations managers track every application's status across the pipeline in real time.
How does compliance review work? +
Compliance staff review submitted documents and run standard checks directly from WhatsApp, with every action logged in a full audit trail.
Is payroll and commission automated? +
Yes. Payroll and commission payouts are calculated automatically based on attendance and performance, with payslips delivered directly to WhatsApp.
Can we track client follow-ups and reminders? +
Yes. Follow-up due dates are tracked automatically, with reminders sent to agents so no client is missed.
What happens if a document is missing from an application? +
The gap is flagged instantly during compliance review, and the agent is notified to follow up with the client.
Can we manage multiple branches? +
Yes. KAPA ONE Finance supports multi-branch operations with consolidated reporting from one WhatsApp number.
Is client and financial data secure? +
All data is stored securely in your dedicated KAPA HUB instance, accessible only to authorized staff and management.
How long does setup take for a financial services firm? +
Most firms are fully live within a few hours. Our team configures your branches, staff list and workflows for you.

Ready to Run Your Financial Services Business
From WhatsApp?

Join 100+ financial services firms already running their operations on their own WhatsApp number with KAPA ONE Finance. Get started in minutes.

Get Started Talk to Sales
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