Can a customer be onboarded without a bank account?

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• Why is the onboarding form long?

  Because we are collecting money, not selling airtime or products The long form: 1. Protects the customer 2. Protects the agent 3. Allows continuity if someone dies 4. Enables bank account creation 5. Qualifies customers for loans & products 6. ...

• Why do we take pictures of the customer’s location?

  Because address alone is not reliable. Pictures help us: • Locate customers physically • Verify existence • Support loan & product delivery • Replace utility bills when unavailable Pictures are compulsory. Addresses are secondary.

• Must onboarding be completed in one sitting?

  No. Onboarding is designed to be done in stages. • You can start onboarding without all documents • The app saves progress automatically • You can come back later to complete it • Never walk away because documents are missing • However, you must ...

• Who are Alājo’s partners?

  • Banks (Stanbic IBTC, Providus and Taj Bank) • Insurers • Marketplace providers • Cooperatives • Technology partners • Telcos (MTN, Airtel, Glo and Etisalat)

• Why should I trust you more than traditional Ajo collectors?

  Because: • You cannot lose money • Bank handles funds • Insurance protects everyone • You get receipts • You get ATM access • You see your money every day