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

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• Can a customer be onboarded without a bank account?

  Yes. • Account number is NOT compulsory • Alājo can create a bank account for the customer • That’s why data is collected early We are banking the unbanked, not filtering them out.

• 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 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. ...

• Are BVN and NIN compulsory?

  No. BVN and NIN are NOT compulsory at onboarding. • Any compulsory field has a red asterisk • BVN/NIN are optional and can be completed later • This is intentional because many customers don’t have them yet • Alajo is also modeled to help customers ...

• Why can’t agents register customers anywhere they like?

  Because Alājo is structured. Each agent owns a designated territory, to: • Allow marketplace products and loans to be traceable • Build community trust • Saturate one area thoroughly • Avoid confusion and duplication • Ensure long-term growth • Allow ...