Zumma operates under two distinct brands: Zumma Financial and another AI-powered financial app. Zumma Financial is a platform that helps businesses manage finances and automate expense invoicing through WhatsApp, using AI for assistance[3][4]. The other Zumma is a fintech app focused on educating and empowering Latin American women to save and invest, offering features like expense tracking and investment in ETFs[1][5]. The unique selling proposition for both is the use of AI and a focus on financial management, with the fintech version specifically targeting women in Latin America.