Blue Print for Nationwide Industry Transformation BUSINESS IDEOLOGY.

Blue Print for Nationwide Industry Transformation

BUSINESS IDEOLOGY

COMPANY OVERVIEW

Appzone is Nigeria’s leading provider of home-grown Banking and Payment

Software solutions and creator of Africa’s leading Banking and Payment Cloud solution for Microfinance & Mortgage

Banks- BankOne

To provide technology that empowers people with unlimited access to quality

financial services.

A financial cloud platform servicing a billion users and processing most of

Africa’s financial transactions.

VISIVVVVVISION

MISSION

Stats at a Glance…

OVER

130Highly Motivated

Professionals

SERVICING

16Commercial Banks

& OVER

200

Microfinance Banks

Key Industry Partnerships

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Other Strategic Partners

75% of Nigerian Commercial

Banks as

Customers

Core Investor &Infrastructure Partner

SA’s leadingIT Services Group

(by Market Share)

More than 7000Strong Workforce

(in 9 countries)

Built & OwnsTwo-Tier 4

(Data Centres)

Annual RevenueExceeding

$500 million

Clients IncludeSA Stock Exchange

Reserve Bank

“....To communicate the purpose, philosophy,

and motivation behind BankOne as an initiative to

transform the Microfinance industry in Nigeria....”

OUR OBJECTIVE

LIMITING BARRIERS

Some key Limitations…

Manual or Semi Manual Operations

Limited geographical spread

Zero support for Electronic Channels

Non participation in clearing

Lack of low cost high-quality tech

for automating operations

…have resulted in

Low customer patronage

Low deposits

Poor profitability, High cost & In-sufficient income

Losses due to poor Internal control

ABOUT BANKONE

“ Nigeria’s No. 1 platform that

combines world class Banking

Software functionality with a wide

variety of alternative Banking

channels and is delivered as an

affordable pay per use product ”

Output = 0.97% Output = 97.0%

StreamlinedOperations

How BankOne Transforms

Automating FI operations using the best

technology at Minimal initial & on-going cost…

ATMs

Bill Payment

Internet

POS

Mobile Banking

MFB Headquarter

Mobile MoneyAgents

Field Officers

Commercial Banks

BankOne connects MFBs to the largest network of Banking Channels at no extra cost

Relationship btw the Banks and BankOne

Reducing cost of operation & creating multiple new

streams of income to boost profits.

Mobile BillPaymen

t

MoneyTransfe

r

ATM

Branchless

Banking

SERVICE COMPONENTS

World-Class Core Banking Application

Customer account information center

Flexible Savings/Current/Fixed Deposit products

Group and individual loan products

Portfolio-At-Risk (PAR) management

Financial accounting and book keeping

Financial Reports CBN Returns/EFASS Credit Bureau Integration Treasury Management Fixed Asset Management Payroll Automation Approvals, Audit trails SMS, Email Alerts

Debit Card Issuance

Withdrawal at ATMs

Card Payments at Retail Outlets

Card Payments on the Internet

Card Co-branding

Automated Card request workflow

Mobile Banking

Balance Inquiry

Mini Statement

Funds transfers

Recharge

Bill Payment

Mobile Teller Automation

Cash-in

Cash-out

Money Transfer

Recharge/Bill Payment

Branchless Banking

Withdrawals at Correspondent Bank

Deposits at Correspondent Bank

Third party Cheque Lodgments

Correspondent Banking

Bulk credits for Salary Payments

Account transfers from commercial Banks

Electronic Payment Remittances

In-Branch FT & Bills Payment

Inter-Bank Transfers

Airline (Aero, Air Nigeria)

Cable TV (DSTV, HITV)

Postpaid GSM (Glo, Airtel)

PHCN, LSWC

Mobile Money Integration

Cash-in, Cash-out by mfb personnel/agents

Cash-in, Cash-out services for mfb customers

UNPARALLELED