1. Copyright © 2016 VALENTINE OBI, MD/CEO, eTRANZACT PLC The Experience Powering Retail Payments in Digital Africa

2. Providing convenient and secure financial services is among the most promising opportunities for retail payments in the 21st century. However, as experience show little mileage has been achieved in realizing this opportunity until now. The African Digital Payment Experience

3. The entire digital payment space in Africa is summed up in two words – OPTIMISIM & OPPORTUNITY.

4. Optimism shows the excitement with which Africans embraced the digital revolution, the excitement has translated into opportunities of immense value to operators and the entire ecosystem. Opportunities in meeting and surpassing the customers’ need for a more personalized service.

5. Over 55% of Nigerians who use the Internet buy products online at least once a month

6. The Smart phone is the number one device used for online shopping Smart Phones: 76% Tabs: 8.6% Computers: 15.4%

7. New payment technologies : Innovations in mobile payments technology around the world is pushing up the need to leave your wallet at home. Prominent among these are NFC, Apple Pay, Google’s Android Pay and PayPal. There have also been smarter payment acceptance technologies at checkout counters to facilitate quick settlement of bills. New technologies

8. Users now want a better digital experience paying for products and service Mobile is the ultimate lever for creating an outstanding Customer Experience (CX), by either accompanying, augmenting or facilitating Customer Journeys User Experience (UX) is the new enabler of Customer Satisfaction. By investing in delivering an exceptional User Experience, bank are securing stronger engagement, and better conversions

9. Highly personalized Mobile User Experiences are not only what brands want but also what customers expect. Not because it is cool but because it is more efficient, for both the bank and the user.

10. At eTranzact, we are constantly seeking to deliver superior customer value by providing innovative and secure payment solutions

11. Introducing The revolutionary product for retail payments

12. BankIT is an alternative payment option, a gateway that works directly with customers' bank accounts accessible through multiple channels: Web, Mobile, and USSD. It enables customers pay at validated merchants websites directly from their bank account.

13. Designed for ease of use and security, BankIT eliminates the need to use Cards, hardware tokens or visit Bank branches, directly meeting customer needs at their most prevalent point of interaction – when buying goods online.

14. No card is required. It frees the customer of inputting long card numbers & PINs It simplifies the entire payment experience

15. Key features

16. Your customers will enjoy: Fast and easy to use Instant Payment Quick Refunds Very Secure Eliminate lengthy and complex card details Pay from Multiple Bank Accounts

17. The banks on BankIT will enjoy: Additional Income stream Instant value for transactions Financial Inclusion – wider consumer reach Flexible Commission structure

18. System Security Managed Encryption, Firewall and SSL Two Factor Authentication – Bank Integrated or System Generated Digital certificate which verifies the identity and authenticity of eTranzact’s console User defined password on account activation 3DES & CBN Compliance with PCI-DSS Level III Certification

19. Our Guarantees: Low Risk registration and activation – Phone number & Bank Account link verification Customer refund & chargeback assurance – Merchant owns transaction liability

20. What Merchants Need to Know

21. We have simple sign up process for merchants Merchants can Integrate BankIT in less than 48 hours

22. Grab the BankIT API and integration Integrate into your online shop or platform Complete Merchant Application Forms & Agreement Your users can begin transacting with BankIT Your payment is available in your merchant account

23. Consumers can also transact Faster BankIT is easy to use and follows 3 simple steps: Select BankIT at checkout. Enter identifying details along with Bank Account details– one time and Set your password Verify Account with System or your Bank OTP The payment process is complete

24. We have a special offer for merchants, online retailers and web developers at our stand – C5

25. THANK YOU