Our Focus to help consumers to reach their financial goals by providing them a unified finance management platform with reasonable rates, zero fees, and access to a community that helps them to reach their financial goals, not restricts their financial health.
1. DIGITAL FINANCE: digitization of thrift savings scheme through the Esusu Management System.
2. INCLUSIVE FINANCE: deepening financial inclusion services through the Esusu Investment Platform to allow for micro insurance, micro-pensions and micro investments to its target users.
3. CASHLESS FINANCE: leveraging on electronic payment methods such as USSD, POS, WEB, MOBILE, ATM, etc.
4. COOPERATIVE FINANCING: Automating the group contribution process for debit card and bank account holders.
5. AGENCY FINANCE: building a smart and responsive agent network through quick service points (kiosks).
6. ETHICAL FINANCE: promoting alternative financing and non interest banking services.
ESUSU MANAGEMENT SYSTEM (EMS)
EMS is a unified digital finance management solution designed to automate the process of thrift savings, collection, microcredit and financial inclusion services to the financially excluded population.EMS is a built with a cloud based technology specifically to efficiently manage and enhance transactions of the esusu scheme. The system also provides members and management of esusu schemes with instant information on any transaction made and it guarantees security of data and information.The solution explores the use of Digital Payment Technology, Global System Mobile Device through Agent Network Managers such as Thrift Collectors, Loan Officers, Mobile Money Agents, etc. Microfinance Institutions and Savings, Credit and Cooperative Organizations can also use the solution to manage and enhance transactions of their esusu schemes.
ESUSU INVESTMENT PLATFORM (EIP)
EIP is a digital finance platform for debit card and bank account holders to automate their savings, investments and loans from aggregated financial service providers. Users are opportune to compare, contrast and subscribe to any savings, investment or loans plans from a couple of options depending on the best preference by the customer. Esusu products can be structured in recurring payment for Micro savings, Micro Insurance, Micro pensions, Micro Investment, Micro HMO, Micro Asset Leasing, etc. Ethical Financial Services are also available for the respective users to compare and subscribe on the platform.
e-COOPERATIVE MANAGEMENT SYSTEM (e-CMS)
e-CMS is a digital cooperative platform that automates personal savings and manual group contributions among cooperative members. Group Savings scheme allows one to get together with friends and family and begin the process of saving. e-CMS is aimed at digitizing the culture of ‘contribution’ that’s already prevalent in Nigeria. Considering the prevailing Nigerian culture of spending and saving money, e-CMS is a digital savings platform service with the intention of encouraging the saving habit.
DIGITAL FINANCIAL SERVICES (DFS)
DFS is an micro-banking and aggregated value added services on both the EMS and EIP to allow both agents and customers create prepaid wallet /bank account, fund wallet/bank account, buy airtime, pay bills, request debit card, buy exam scratch cards, etc. This is specifically tailored to deepen financial inclusion services in line with the CBN’s mandate for year 2020. These bouquet of value added services enhances the Open Banking Standard as it facilitates end to end open API integration with financial service providers so as to offer this services through digital payment channels such as USSD, POS, WEB, ATM, MOBILE, etc. In the long run, it would further promote the growth of agency banking and mobile banking in the Financial Ecosystem.
