Alerzopay
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FinTech - Agency Banking
Alerzopay
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FinTech - Agency Banking
Alerzopay
-
FinTech - Agency Banking
Alerzopay
-
FinTech - Agency Banking
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The Product:
The Product:
Lead designer
I conducted interviews, paper and digital wireframing, low and high-fidelity prototyping, usability studies, accounting for accessibility and iterating on designs.
Alerzo is Nigeria’s leading business to business all-in-one technology platform designed to equip micro-businesses with the digital products and services necessary to run profitable and sustainable businesses. One of such pruducts is Alerzopay, a financial technology company that provides payment solutions to micro and small medium enterprises (MSMEs) in Nigeria.
Alerzo is Nigeria’s leading business to business all-in-one technology platform designed to equip micro-businesses with the digital products and services necessary to run profitable and sustainable businesses. One of such pruducts is Alerzopay, a financial technology company that provides payment solutions to micro and small medium enterprises (MSMEs) in Nigeria.
Background Research:
Background Research:
Methodological approach was taken to this non-linear design process.
I had to understand the problem statement by deep diving into the industry challenges.
I realised that these 3-anchor points; Financial inclusion, mobile app penetration, and banking are all critical components of Nigeria's financial ecosystem.
While progress has been made in increasing financial inclusion and mobile app usage, there is still a significant gap to close.
Banking in Nigeria:
Any country’s ability to prosper economically depends on having a stable financial system and a strong banking system. The significant challenges affecting the banking sector has made it difficult for bank customers to experience better banking services.
Financial Inclusion:
Nigeria has one of the largest unbanked populations in the world, with over 60 million adults lacking access to formal financial services. This lack of financial inclusion has significant implications for economic development and poverty reduction. To address this issue, the Central Bank of Nigeria (CBN) launched the National Financial Inclusion Strategy in 2012, with the goal of increasing financial access to 80% of the adult population by 2020. As of 2021, Nigeria's financial inclusion rate stands at 63.2%, an increase from 36.8% in 2010. However, there is still a significant gap to close to reach the 80% target.
Mobile App Penetration:
Mobile phones have become a key tool for financial inclusion in Nigeria, with mobile app penetration on the rise. As of 2021, Nigeria has over 198 million mobile phone users, and mobile internet penetration stands at 51.2%. Mobile money services have become increasingly popular in recent years, with the number of registered mobile money users reaching 38.5 million in 2021, up from 32.5 million in 2020. However, despite the growth in mobile money usage, cash remains the dominant form of payment in Nigeria.
Banking:
Banking in Nigeria has undergone significant changes in recent years, with the advent of digital banking and mobile money services. Traditional banks are facing competition from fintech startups that offer innovative solutions and services to consumers. According to a report by McKinsey & Company, digital financial services could contribute up to $88 billion to Nigeria's GDP by 2025. However, despite the growth in digital banking, traditional banks still play a significant role in the financial ecosystem, with a total of 22 banks operating in the country as of 2021.
Banking in Nigeria:
Any country’s ability to prosper economically depends on having a stable financial system and a strong banking system. The significant challenges affecting the banking sector has made it difficult for bank customers to experience better banking services.
Financial Inclusion:
Nigeria has one of the largest unbanked populations in the world, with over 60 million adults lacking access to formal financial services. This lack of financial inclusion has significant implications for economic development and poverty reduction. To address this issue, the Central Bank of Nigeria (CBN) launched the National Financial Inclusion Strategy in 2012, with the goal of increasing financial access to 80% of the adult population by 2020. As of 2021, Nigeria's financial inclusion rate stands at 63.2%, an increase from 36.8% in 2010. However, there is still a significant gap to close to reach the 80% target.
Mobile App Penetration:
Mobile phones have become a key tool for financial inclusion in Nigeria, with mobile app penetration on the rise. As of 2021, Nigeria has over 198 million mobile phone users, and mobile internet penetration stands at 51.2%. Mobile money services have become increasingly popular in recent years, with the number of registered mobile money users reaching 38.5 million in 2021, up from 32.5 million in 2020. However, despite the growth in mobile money usage, cash remains the dominant form of payment in Nigeria.
Banking:
Banking in Nigeria has undergone significant changes in recent years, with the advent of digital banking and mobile money services. Traditional banks are facing competition from fintech startups that offer innovative solutions and services to consumers. According to a report by McKinsey & Company, digital financial services could contribute up to $88 billion to Nigeria's GDP by 2025. However, despite the growth in digital banking, traditional banks still play a significant role in the financial ecosystem, with a total of 22 banks operating in the country as of 2021.
It is now then imperative to take a closer look to how financial inclusion and banking challenges affects the regular informal retailer and their customer.
It is now then imperative to take a closer look to how financial inclusion and banking challenges affects the regular informal retailer and their customer.
The Problem:
The Problem:
From the research carried our, I discovered a problem
The problem of financial exclusion is a significant issue in Nigeria, with millions of individuals and small businesses lacking access to formal financial services. Micro and small medium enterprises (MSMEs) are particularly affected, as they often operate in the informal sector and have limited access to financing, payment solutions, and other financial services. This lack of financial inclusion hinders the growth and development of MSMEs, limiting their ability to expand and create jobs.
Furthermore, the traditional banking system in Nigeria is often inaccessible to MSMEs, as they may not meet the stringent requirements for opening and maintaining a bank account. Even when they do have access to banking services, the high fees and transaction costs can be prohibitive for small businesses with limited resources. This creates a significant barrier to entry for MSMEs looking to grow and compete in the Nigerian market.
To address these challenges, there is a need for innovative financial solutions that are tailored to the needs of MSMEs in Nigeria. A fintech app that provides payment solutions to MSMEs has the potential to increase financial inclusion and enable small businesses to participate more fully in the formal economy. By offering affordable and accessible payment solutions, the app could help MSMEs to grow and thrive, creating jobs and driving economic growth in Nigeria.
The problem of financial exclusion is a significant issue in Nigeria, with millions of individuals and small businesses lacking access to formal financial services. Micro and small medium enterprises (MSMEs) are particularly affected, as they often operate in the informal sector and have limited access to financing, payment solutions, and other financial services. This lack of financial inclusion hinders the growth and development of MSMEs, limiting their ability to expand and create jobs.
Furthermore, the traditional banking system in Nigeria is often inaccessible to MSMEs, as they may not meet the stringent requirements for opening and maintaining a bank account. Even when they do have access to banking services, the high fees and transaction costs can be prohibitive for small businesses with limited resources. This creates a significant barrier to entry for MSMEs looking to grow and compete in the Nigerian market.
To address these challenges, there is a need for innovative financial solutions that are tailored to the needs of MSMEs in Nigeria. A fintech app that provides payment solutions to MSMEs has the potential to increase financial inclusion and enable small businesses to participate more fully in the formal economy. By offering affordable and accessible payment solutions, the app could help MSMEs to grow and thrive, creating jobs and driving economic growth in Nigeria.
Solving the problem:
Solving the problem:
Now I began to immerse myself into the ways to solve the problem. One major way is using divergent method of thinking.
We'll be building our solution based on these three cardinals ACCESS, GROWTH and THE ALERZO ECOSYSTEM.
The Alerzopay mobile app would provide a simple and user-friendly interface for micro-businesses, regular users retailers to collect payments, manage their accounts, and access a range of financial services, including credit and insurance. The app would also enable other users to send and receive money, pay bills, and access other financial services.
To facilitate payment collections, the solution would also include a POS terminal with features that enable retailers to easily accept card payments, including contactless payments. The terminal would be affordable, portable, and easy to use, enabling MSMEs to accept payments from customers on the go.
To incentivize MSMEs to participate in the solution and earn extra income, the app would enable them to serve as merchants, offering a range of products and services to a wider audience. The app would provide tools and resources to help merchants manage their businesses, including inventory management, marketing tools, and customer relationship management.
Overall, this solution would address the problem of financial exclusion of MSMEs in Nigeria by providing a simple, accessible, and affordable payment solution that enables small businesses to participate more fully in the formal economy. With the robust Alerzo ecosystem, we would be enabling MSMEs to earn extra income as merchants, the solution would also help to create jobs and drive economic growth in Nigeria.
We'll be building our solution based on these three cardinals ACCESS, GROWTH and THE ALERZO ECOSYSTEM.
The Alerzopay mobile app would provide a simple and user-friendly interface for micro-businesses, regular users retailers to collect payments, manage their accounts, and access a range of financial services, including credit and insurance. The app would also enable other users to send and receive money, pay bills, and access other financial services.
To facilitate payment collections, the solution would also include a POS terminal with features that enable retailers to easily accept card payments, including contactless payments. The terminal would be affordable, portable, and easy to use, enabling MSMEs to accept payments from customers on the go.
To incentivize MSMEs to participate in the solution and earn extra income, the app would enable them to serve as merchants, offering a range of products and services to a wider audience. The app would provide tools and resources to help merchants manage their businesses, including inventory management, marketing tools, and customer relationship management.
Overall, this solution would address the problem of financial exclusion of MSMEs in Nigeria by providing a simple, accessible, and affordable payment solution that enables small businesses to participate more fully in the formal economy. With the robust Alerzo ecosystem, we would be enabling MSMEs to earn extra income as merchants, the solution would also help to create jobs and drive economic growth in Nigeria.
Research and insights:
Research and insights:
We went ahead to conduct user interviews to validate our problem solving idea.
The goal of design research is to inform the design process from the perspective of the end user. As an average Nigerian, I could empathise with the problem stated above but I need to ensure design decisions are from the user's view of the design solution.
First, we needed to know "Who will be using our products?", "Who is our Target audience?". These are the first questions to ask ourselves. From research data in Nigeria, the highest age band of internet users are between the ages of 18-60 (Gen Z, Millennials, Gen X). These age brackets are known to be quite familiar with the internet. They are in the category of college students and workers and in some brackets, “retirees”. There might be people older than this class of users, but most of the users will sit at this range.
We will be making our emphasis on micro-business owners and older users as they are most likely to be our primary Target Audience.
Meet Rhoda, Mama Femi and Mr. Frances…
Interview 1 with Rohda:
😁 UX Resercher (my team memeber):
Good afternoon, Rohda. Thank you for joining us today. We are conducting user research for our new financial application, and we would love to hear your thoughts and feedback. As a product manager in IT, we believe you have great insights into how fintechs work. So, what do you think about the current state of financial technology in Nigeria?
👩🏾 Rohda:
Thank you for having me. I believe that fintechs have done a great job of bringing financial services to the masses in Nigeria. However, I think there is still a lot of room for improvement. For instance, there is a need for more pair-to-pair payment solutions that are easy to use and secure.
😁 UX Resercher (my team memeber):
That's a great point. We are actually working on a feature that will allow users to make pair-to-pair payments within our app. What other features do you think we should consider for our app?
👩🏾 Rohda:
I think you should consider integrating investment options into the app. It would be great to have an app that not only allows users to manage their finances but also helps them grow their money.
😁 UX Resercher (my team memeber):
Thank you for your input, Rohda. We will definitely take that into consideration.
Interview 1 with Rohda:
😁 UX Resercher (my team memeber):
Good afternoon, Rohda. Thank you for joining us today. We are conducting user research for our new financial application, and we would love to hear your thoughts and feedback. As a product manager in IT, we believe you have great insights into how fintechs work. So, what do you think about the current state of financial technology in Nigeria?
👩🏾 Rohda:
Thank you for having me. I believe that fintechs have done a great job of bringing financial services to the masses in Nigeria. However, I think there is still a lot of room for improvement. For instance, there is a need for more pair-to-pair payment solutions that are easy to use and secure.
😁 UX Resercher (my team memeber):
That's a great point. We are actually working on a feature that will allow users to make pair-to-pair payments within our app. What other features do you think we should consider for our app?
👩🏾 Rohda:
I think you should consider integrating investment options into the app. It would be great to have an app that not only allows users to manage their finances but also helps them grow their money.
😁 UX Resercher (my team memeber):
Thank you for your input, Rohda. We will definitely take that into consideration.
Interview 2 with Mama Femi:
😁 UX Resercher (my team memeber):
Good afternoon, Mama Femi. Thank you for allowing us to interview you today. We are conducting user research for our new fintech app, and we would love to hear your thoughts and feedback. Can you tell us about your experience with traditional banks in Nigeria?
👵🏾 Mama Femi:
Ah, traditional banks? Dem no easy at all. Dem go just dey give person wahala. I wan open account before but ehn, dem dey ask for plenty tins wey I no get. And the queue wey dem dey put person for bank fit kill person.
😁 UX Resercher (my team memeber):
We understand your frustration, Mama Femi. That's why we are creating a new fintech app that will make banking easier for people like you. How do you feel about using an app to manage your finances?
👵🏾 Mama Femi:
Ehn, if e go make my life easy, I go like am well-well. I no go need to dey carry cash for market again. Dem area boys don rob me before o. I no wan experience am again.
😁 UX Resercher (my team memeber):
We completely understand. Our app will allow you to make payments easily and securely without having to carry cash around. Thank you for your input, Mama Femi. It was great talking to you.
Interview 2 with Mama Femi:
😁 UX Resercher (my team memeber):
Good afternoon, Mama Femi. Thank you for allowing us to interview you today. We are conducting user research for our new fintech app, and we would love to hear your thoughts and feedback. Can you tell us about your experience with traditional banks in Nigeria?
👵🏾 Mama Femi:
Ah, traditional banks? Dem no easy at all. Dem go just dey give person wahala. I wan open account before but ehn, dem dey ask for plenty tins wey I no get. And the queue wey dem dey put person for bank fit kill person.
😁 UX Resercher (my team memeber):
We understand your frustration, Mama Femi. That's why we are creating a new fintech app that will make banking easier for people like you. How do you feel about using an app to manage your finances?
👵🏾 Mama Femi:
Ehn, if e go make my life easy, I go like am well-well. I no go need to dey carry cash for market again. Dem area boys don rob me before o. I no wan experience am again.
😁 UX Resercher (my team memeber):
We completely understand. Our app will allow you to make payments easily and securely without having to carry cash around. Thank you for your input, Mama Femi. It was great talking to you.
Interview 3 with Mr. Frances:
🤓 Me:
Good afternoon, Mr. Frances. Thank you for taking the time to speak with us today. We are conducting user research for our new fintech app, and we would love to hear your thoughts and feedback. Can you tell us about your experience using financial technology in Nigeria?
💇🏾♂️ Mr. Frances:
Thank you for having me. I have been using financial technology for a while now, and I think it has made things easier for businesses like mine. However, I think there is still a need for more advanced features that can help businesses grow.
🤓 Me:
That's a great point. We are actually working on a feature that will allow businesses to access credit easily within our app. What other features do you think we should consider for our app?
💇🏾♂️ Mr. Frances:
I think you should consider integrating a loyalty program into the app. It would be great to be able to reward customers for their loyalty and encourage repeat business.
🤓 Me:
Thank you for your input, Mr. Frances. We will definitely take that into consideration.
Interview 3 with Mr. Frances:
🤓 Me:
Good afternoon, Mr. Frances. Thank you for taking the time to speak with us today. We are conducting user research for our new fintech app, and we would love to hear your thoughts and feedback. Can you tell us about your experience using financial technology in Nigeria?
💇🏾♂️ Mr. Frances:
Thank you for having me. I have been using financial technology for a while now, and I think it has made things easier for businesses like mine. However, I think there is still a need for more advanced features that can help businesses grow.
🤓 Me:
That's a great point. We are actually working on a feature that will allow businesses to access credit easily within our app. What other features do you think we should consider for our app?
💇🏾♂️ Mr. Frances:
I think you should consider integrating a loyalty program into the app. It would be great to be able to reward customers for their loyalty and encourage repeat business.
🤓 Me:
Thank you for your input, Mr. Frances. We will definitely take that into consideration.
Competitive Analysis
Alongside the design team, we conducted a competitive analysis with some products that were already solving similar problems. I drafted and researched what can be done to improve what already existed and how it can be done better so as to stand out in the marketplace. Some of these products include but are not limited to Opay, Kuda, GTBank, Mintyn, Sparkle, Rubbies, ALAT, Access Bank, Revolute and Monzo.
Kuda: Kuda is a digital bank that offers a range of financial services including savings accounts, loans, and bill payments. One of the advantages of Kuda is that they offer zero charges on transactions, making it a cost-effective option for customers. Kuda also has a user-friendly mobile app that allows customers to manage their finances easily.
Opay: Opay is a mobile payment platform that offers a wide range of financial services in Nigeria. They provide solutions for mobile money transfers, bill payments, ride-hailing, food delivery, and more. One of the advantages of Opay is that they have an extensive agent network, making it easier for customers to access their services even in remote areas.
GTBank: GTBank is a leading financial institution in Nigeria that offers a range of banking products and services. They provide solutions for personal banking, corporate banking, and investment banking. GTBank has a wide network of branches and ATMs, making it easier for customers to access their services.
Mintyn: Mintyn is a digital savings platform that helps customers save money easily. They offer high-interest rates on savings, making it an attractive option for customers. Mintyn also has a user-friendly mobile app that allows customers to track their savings progress easily.
Sparkle: Sparkle is a digital bank that offers a range of financial services including savings accounts, loans, and bill payments. They have a user-friendly mobile app that allows customers to manage their finances easily. Sparkle also has an extensive agent network, making it easier for customers to access their services.
Rubies: Rubies is a digital bank that offers a range of financial services including savings accounts, loans, and bill payments. They have a user-friendly mobile app that allows customers to manage their finances easily. Rubies also offers rewards and discounts on transactions, making it an attractive option for customers.
ALAT: ALAT is a digital bank that offers a range of financial services including savings accounts, loans, and bill payments. They have a user-friendly mobile app that allows customers to manage their finances easily. ALAT also offers a virtual debit card that can be used for online transactions.
Access Bank: Access Bank is a leading financial institution in Nigeria that offers a range of banking products and services. They provide solutions for personal banking, corporate banking, and investment banking. Access Bank has a wide network of branches and ATMs, making it easier for customers to access their services.
Revolut: Revolut is a digital bank that offers a range of financial services including savings accounts, loans, and bill payments. They have a user-friendly mobile app that allows customers to manage their finances easily. Revolut also offers low-cost international money transfers, making it an attractive option for customers.
Monzo: Monzo is a digital bank that offers a range of financial services including savings accounts, loans, and bill payments. They have a user-friendly mobile app that allows customers to manage their finances easily. Monzo also offers features such as budgeting tools and spending alerts to help customers manage their money effectively.
Competitive Analysis
Alongside the design team, we conducted a competitive analysis with some products that were already solving similar problems. I drafted and researched what can be done to improve what already existed and how it can be done better so as to stand out in the marketplace. Some of these products include but are not limited to Opay, Kuda, GTBank, Mintyn, Sparkle, Rubbies, ALAT, Access Bank, Revolute and Monzo.
Kuda: Kuda is a digital bank that offers a range of financial services including savings accounts, loans, and bill payments. One of the advantages of Kuda is that they offer zero charges on transactions, making it a cost-effective option for customers. Kuda also has a user-friendly mobile app that allows customers to manage their finances easily.
Opay: Opay is a mobile payment platform that offers a wide range of financial services in Nigeria. They provide solutions for mobile money transfers, bill payments, ride-hailing, food delivery, and more. One of the advantages of Opay is that they have an extensive agent network, making it easier for customers to access their services even in remote areas.
GTBank: GTBank is a leading financial institution in Nigeria that offers a range of banking products and services. They provide solutions for personal banking, corporate banking, and investment banking. GTBank has a wide network of branches and ATMs, making it easier for customers to access their services.
Mintyn: Mintyn is a digital savings platform that helps customers save money easily. They offer high-interest rates on savings, making it an attractive option for customers. Mintyn also has a user-friendly mobile app that allows customers to track their savings progress easily.
Sparkle: Sparkle is a digital bank that offers a range of financial services including savings accounts, loans, and bill payments. They have a user-friendly mobile app that allows customers to manage their finances easily. Sparkle also has an extensive agent network, making it easier for customers to access their services.
Rubies: Rubies is a digital bank that offers a range of financial services including savings accounts, loans, and bill payments. They have a user-friendly mobile app that allows customers to manage their finances easily. Rubies also offers rewards and discounts on transactions, making it an attractive option for customers.
ALAT: ALAT is a digital bank that offers a range of financial services including savings accounts, loans, and bill payments. They have a user-friendly mobile app that allows customers to manage their finances easily. ALAT also offers a virtual debit card that can be used for online transactions.
Access Bank: Access Bank is a leading financial institution in Nigeria that offers a range of banking products and services. They provide solutions for personal banking, corporate banking, and investment banking. Access Bank has a wide network of branches and ATMs, making it easier for customers to access their services.
Revolut: Revolut is a digital bank that offers a range of financial services including savings accounts, loans, and bill payments. They have a user-friendly mobile app that allows customers to manage their finances easily. Revolut also offers low-cost international money transfers, making it an attractive option for customers.
Monzo: Monzo is a digital bank that offers a range of financial services including savings accounts, loans, and bill payments. They have a user-friendly mobile app that allows customers to manage their finances easily. Monzo also offers features such as budgeting tools and spending alerts to help customers manage their money effectively.
Insight summary from all our research
Based on our background understanding, interviews and competitive analysis, there are several insights that would be factored into execution.
There is a need to provide easy and convenient payment solutions that can reduce the need for cash handling, especially for small business owners like Mama Femi.
Many people, especially in remote areas, face difficulties accessing traditional banking services due to long queues, complicated requirements and bad customer service. This creates an opportunity for your product to provide accessible and customer-friendly banking solutions.
There is a growing demand for mobile banking and payment solutions, especially among millennials and tech-savvy individuals like Rohda and Mr. Frances.
The competition in the Nigerian fintech space is intense, with several players offering similar services. To differentiate your product, it is important to focus on delivering unique features and benefits that can attract and retain customers.
In terms of user experience, simplicity and ease-of-use are crucial factors that can influence adoption and engagement with your product.
Providing additional value-added services, such as credit facilities, investment opportunities and rewards programs, can help to increase customer loyalty and drive adoption.
Overall, these insights suggest that there is a strong demand for our solutions in Nigeria, particularly as we would offer accessible and easy-to-use payment and banking services, while also delivering unique and value-added benefits to users.
Insight summary from all our research
Based on our background understanding, interviews and competitive analysis, there are several insights that would be factored into execution.
There is a need to provide easy and convenient payment solutions that can reduce the need for cash handling, especially for small business owners like Mama Femi.
Many people, especially in remote areas, face difficulties accessing traditional banking services due to long queues, complicated requirements and bad customer service. This creates an opportunity for your product to provide accessible and customer-friendly banking solutions.
There is a growing demand for mobile banking and payment solutions, especially among millennials and tech-savvy individuals like Rohda and Mr. Frances.
The competition in the Nigerian fintech space is intense, with several players offering similar services. To differentiate your product, it is important to focus on delivering unique features and benefits that can attract and retain customers.
In terms of user experience, simplicity and ease-of-use are crucial factors that can influence adoption and engagement with your product.
Providing additional value-added services, such as credit facilities, investment opportunities and rewards programs, can help to increase customer loyalty and drive adoption.
Overall, these insights suggest that there is a strong demand for our solutions in Nigeria, particularly as we would offer accessible and easy-to-use payment and banking services, while also delivering unique and value-added benefits to users.
UX flows and IA:
UX flows and IA:
After carefully conducting my research and gathering insights, it was time to put all my findings into paper and start ideating solutions
After carefully conducting my research and gathering insights, it was time to put all my findings into paper and start ideating solutions
Wireframes and sketches:
Wireframes and sketches:
This prepared a strong foundation for high fidelity designs.
We drafted iterations of each screen of the app on paper to ensure that the elements that made it to the final digital wireframes would be well-detailed to address user pain points.
We drafted iterations of each screen of the app on paper to ensure that the elements that made it to the final digital wireframes would be well-detailed to address user pain points.
Final design:
Final design:
After so much work on research, insights and creating wireframes, it was time for the visual design. Designing this we kept our users in mind and made sure we made use of trendy and up-to-date design methods.
We made sure to do our designs in stages to help us carefully and critically work in order of plan.
After so much work on research, insights and creating wireframes, it was time for the visual design. Designing this we kept our users in mind and made sure we made use of trendy and up-to-date design methods.
We made sure to do our designs in stages to help us carefully and critically work in order of plan.
The Results
Alerzopay is undergoing continous research and forward thinking iterations. With its microfinance banking license, Alerzopay digital bank and POS terminals powers payment for over 300,000 micro businesses with over 45,000 monthly active users. Powered by Alerzo, Alerzopay is present in over 50 cities across Africa with upto $500,000,000 annual transaction volume with up to 2,000,000 monthly transactions.
Alerzopay is undergoing continous research and forward thinking iterations. With its microfinance banking license, Alerzopay digital bank and POS terminals powers payment for over 300,000 micro businesses with over 45,000 monthly active users. Powered by Alerzo, Alerzopay is present in over 50 cities across Africa with upto $500,000,000 annual transaction volume with up to 2,000,000 monthly transactions.
Cuit et haché par Ayodeji Osindele ©2023
Ayodeji
Cooked & Chopped by
Ayodeji Osindele ©2023
Ayodeji