Economic empowerment — In our drive to improve access to financial and digital services in unbanked regions, we have created empowerment schemes in partnership with banks to provide zero cost devices to generate new streams of revenue for individuals that are willing to be an agent or merchant on our platform. We are currently part of the Central Bank of Nigeria’s Shared Agent Network Facility Program that is focused on increasing the level of financial inclusion and literacy across the country, especially in the Northern States of Nigeria. We are also working with EFInA (a financial development organisation that promotes financial inclusion in Nigeria and is funded by the UK Government’s Department for International Development (DFID) and the Bill & Melinda Gates Foundation) to provide technology-enabled financial inclusion services in the Northern States of Nigeria, where there is a greater level of financial exclusion.
B2B — Our B2B integration platform, based on a set of APIs, provides a flexible technology architecture that enables our enterprise clients to overlay our core digital products and services on their own platform, tailor it to their needs and then push through their own distribution channels.
Female empowerment — One of our core responsibilities to our agent community is to ensure that female representation is a significant part of our ecosystem. Across our operational value chain spanning agent acquisition, product training, customer management, and support, we ensure that this remains a key focus both within CDL as an organisation, which has over 65% female representation amongst its staff, and our agent community. Accordingly, women represent over 50% of our current agent network. We see this as a core objective of our company, as our platform is a source of livelihood, provides valuable access to loan facilities, creates economic independence, increases incomes and provides resources for business expansion.
Social empowerment — In delivering our services to individuals from a wide range of economic and socio-demographic backgrounds, we have created a large number of autonomous business outlets across the country that have thrived on grassroots and mass-market consumers. Through our services, these businesses have created and fostered a collective sense of purpose, self-confidence, autonomy, economic independence, and a new drive to be successful and to empower those in their local communities.
