Sector — Financial Services
Financial Services work that is still in production.
- Banking customers served
- 50,000+
- Daily transaction volume
- ₦50M+
- Mobile app downloads
- 1M+
01
The actual constraint
Customers in places with no reliable data connection. Regulators who need a complete audit trail. Account holders who have never had a bank account before.
Unity Microfinance went from 5,000 to 50,000 customers on infrastructure we built and still run. That worked because we did not assume a smartphone and a data plan — the platform reaches customers through USSD, an agent network and a mobile app, whichever one they can actually get to.
02
What we built
- 01
Microfinance Banking Platform
Unity Microfinance Bank — 2022–2023
Digital banking for 50,000+ customers across 5 states, combining a mobile app, USSD and an agent network.
- Active Customers
- 50,000+
- States Covered
- 5
- Daily Transactions
- ₦50M+
- 02
Mobile Banking Application
NextGen Bank — 2023
Cross-platform banking app with biometric authentication — 1M+ downloads and a 4.8★ rating.
- App Store Rating
- 4.8★
- Downloads
- 1M+
- User Retention
- 95%
03
Reference
“TOLTEM's platform transformed our operations. We've grown from 5,000 to 50,000 customers while reducing operational costs by 40%.”
Discuss your financial services project.
Free consultation · Reply within one business day · No obligation · NDA available on request