How Start a Financial Technology Company in Nigeria

Introduction

A finance company is a company licensed by the CBN to provide financial services to individual consumers, and industrial, commercial or agricultural enterprises. These services include providing consumer loans, funds management, asset finance, project finance, local and international trade finance, debt factoring, debt securitization, debt administration, financial consultancy, loan syndication, warehouse receipt finance, covered bonds and issuing vouchers, coupons, cards and token stamps.

It is important to note that finance companies in Nigeria are required to operate on a “stand alone” basis. Therefore, unlike other financial institutions, the Guidelines specifically preclude finance companies from rendering services such as deposit-taking, stockbroking, foreign exchange transactions and non-financial activities including trading, construction and project management.

Self-appraisal Phrases

I communicate my expectations clearly to all stakeholders.

I maintain contact with department heads and stay an active part of team meetings.

I provide constructive feedback and focus on solving challenges with communication.

I present my ideas in a skillful, effective, and professional manner.

PERSONNEL REQUIRE TO START-UP A FINANCIAL COMPANY

The personnel require to start a financial company is depend on the capacity of the company in a start business plan. But in a normally circumstances for a start personnel should be at least seven (7) in number in standard organisation.

PLANNING ROUTE: this has to do with the day-to-day activities of an organisation and it normally spell out in company policy on how the routing activities are to done and the categories of people that are to carry out those jobs at a define direction.

Technology Require in Financial Company

Financial technology (abbreviated fintech or FinTech) is the technology and innovation that aims to compete with traditional financial methods in the Technologies. Artificial intelligence (AI), big data, robotic process automation (RPA), and block chain are among the technologies used by fintech organizations. Financial organizations can gain a deeper understanding of their customers by using AI algorithms to provide insight into their spending habits. E- Delivery of financial service it is an emerging industry that uses technology to improve activities in

Finance. The use of smartphone for mobile banking, investing and borrowing services, cryptocurrency and are examples of technologies aiming to make financial services more accessible to the general public. Financial technology companies consist of both start-up and established financial institutions and technology companies trying to replace or enhance the usage of financial services provided by existing financial companies. A subset of fintech companies that focus on the insurance industry are collectively known as insurtech or insurtech companies.

Branding

Traditional firms used to leverage existing celebrities and influencers, notably artists, to enhance their brands’ voices, but it’s quickly becoming a thing among internet start-ups.

Rise has joined the ranks of other financial start-up’s that have enlisted the services of one or more celebrities to help them showcase their company’s unique offerings to the rest of the globe. Bitsika, which gained thousands of users on its first day after announcing Davido as its ambassador; WorldRemit, which had Patoranking as its ambassador; Kuda and the young superstar, Fireboy DML; and Chipper Cash, which has Burna Boy, the self-proclaimed African giant, flying its flag around the world. What exactly is a brand?

Simply said, a customer’s total view of your firm defines your brand.

Your brand is your reputation!

In today’s market, a successful brand has to be consistent in communication and experience, across many applications:

• Environment (storefront or office)

• Print collateral, signage, packaging Website & online advertising
• Content publishing
• Sales & customer service
• Internal (with employees)

How you build a brand? You need to do more.

Environment (storefront or office)

• Print collateral, signage, packaging
• Website & online advertising
• Content publishing
• Sales & customer service
• Internal (with employees)

Now, brand building being simple? The truth is: branding doesn’t happen overnight…or even in a few months.

Building a brand is definitely a process and require a method However, the ongoing effort will result in establishing long-term relationships with your customers.

This can lead to a steady increase in leads and sales, word-of-mouth referrals, and advocacy for your

Sources Of Financing for Fintech in Nigeria

There are many ways of getting money for your fintech start-up. These include

• Crowdsourcing
• Bank loans
• Venture capital
• Angel investors, and Family, & friends’ financial gift

However, you need to have a minimum viable product (MVP) that serves as a proof concept. The funds from MVP are enough to build software or app for your target market. Actually, most of these fintech giants started that way.

Advantages of Fintech

• Greater accessibility. This also translates into an increase in the banked population since anyone with internet access can open an account and apply for a loan without any problem.

On average, fintech have response times for applicants that range from 10 minutes to 48 hours.

• Time optimization. Thanks to the fact that all processes are carried out through the Internet, it is not necessary, in most cases, to go to a physical branch.
• Variety of services. Fintech have managed to segment services, so that a whole range of services is offered, according to the needs of both financial services users and providers.

On the users’ side, financial services range from opening a savings account, applying for a credit card, various types of insurance, to investing in a company requesting funds to expand, as well as in international financial markets.

On the part of financial service providers, fintech offer solutions ranging from analysing the profiles of credit applicants, storing data in the cloud, streamlining payment methods, among many others.

• Cost reduction. Another of the great differentiators of fintech, with which most of them intend to compete against traditional financial companies, is that the vast majority of fintech offer lower commissions than banks.

Disadvantages of Fintech

• Lack of physical branches. This can be a disadvantage when there is a problem in the provision of the service, since everything must be dealt with via email or social networks.
• Although in this aspect some fintech offer as a differentiator the use of blockchain technology to improve security, not all of them do so, a situation that puts the security of user data at risk.
• Although for many it is as easy as using their smartphones, the truth is that this condition immediately excludes a very large part of the population that does not have access to the Internet, and therefore, will have difficulties to become banked, even with the existence of Fintech.
• Lack of regulation. It is a reality that it is such a notorious phenomenon that authorities around the world continue, in many cases, to study and legislate this phenomenon. So, the regulations around fintech in the world are not perfect, and there is the possibility that some of these may be some potential fraud in the absence of regulation.

Licensing/Certification to Start-Up Financial Technology in Nigeria

Procedure for the acquisition of a Finance Company Licence in Nigeria?

The procedure for the acquisition of a finance company licence is in two stages as summarised below;

Stage 1

An application for the acquisition of a finance company licence is made in writing to the CBN accompanied by the following documents:

1. a non-refundable application fee of N100,000 (One Hundred Thousand Naira) payable to the CBN;
2. deposit of the minimum capital of N100,000,000 (One Hundred Million Naira) with the CBN;
3. evidence of payment of the minimum capital of N100,000,000 (One Hundred Million Naira by the proposed shareholders;
4. a detailed business plan/feasibility study;
5. a copy of the draft memorandum and articles of association of the finance company;
6. a copy of the letter of intent to subscribe to the company signed by each subscriber;
7. a copy of the list of proposed shareholders in tabular form showing their businesses, residential addresses and the names and addresses of their bankers;
8. a signed and dated curriculum vitae of the proposed directors of the finance company;
9. a copy of the draft manual of operations such as the enterprise management framework, credit policy etc.

Upon submission of the above, the CBN may, where satisfied, grant an Approval in Principle. It is only after the approval is granted that the finance company can be incorporated at the Corporate Affairs Commission (CAC).

Stage 2

Upon incorporation at the CAC and prior to commencement of business, the finance company is required to submit the following documents to the CBN.

1. A certified true copy of the certificate of incorporation and other incorporation documents of the finance company.
2. A copy of the shareholders’ register in which the equity interest of each shareholder is properly reflected (together with the original for sighting) and a copy of the share certificate issued to each shareholder.
3. A copy of the opening statement of affairs audited by an approved firm of accountants practising in Nigeria.
4. A copy of the letters of offer and acceptance of employment by each management staff and a written confirmation that the management team approved by the CBN has been put in place.
5. A letter of undertaking to comply with all the rules and regulations guiding the operations of finance companies.
6. Evidence of registration with the Finance Company’s association umbrella body.
7. Evidence of payment of licensing fee of N250, 000 (Two Hundred and Fifty Thousand Naira).

Upon receipt of the above, the CBN will conduct a physical inspection on the premises of the finance company and where it is satisfied that all requirements have been fulfilled, a finance company licence may be issued.

The Full Items That a Good Financial Technology Business Plan Must Be Contained Are: 

•  1. Executive Summary

The executive summary is the summary of the entire business plan. It can only be compiled when the business plan is finished. It provides a short overview over the basic contents of the plan. The most important details should be easily comprehendible.

•  Founder (team) and business leadership

An important component of the business plan is the introduction of the founder.  It is important to point out why this person should lead the business to success. You should make a distinction between professional qualifications and entrepreneurial ones, meaning between education and job experience, and leadership experience and the ability to work as part of a team.

•  Product or Service

The product (or the service) is the heart of any company. Characteristics and stages of development should be listed in the business plan. What makes the product one-of-a-kind, what is its so-called unique selling proposition? The product description should be easily understandable, even for laypersons. The question of what you want to accomplish should be answered. This includes short-term and long-term goals and how you want the product to develop. Should you be producing complex products, the individual stages of production need to be listed Is the product new or unusual, the functionality should be described in detail.

• Market and sector

A competent business founder should have a keen sense of the market and the competition. If you only see as far as your own nose, you will not get far. A market analysis is indispensable. Not only should you be aware of your competitors, you should also know your potential buyer very well. The easiest method of getting to know your potential customers is a survey or the questioning of other businesses of the sector. For almost every sector, there are current analyses. In most cases, you can attain the results from banks or view the corresponding theses at universities. The business plan should show how you expect your business to develop in comparison to other businesses in the sector

•  Distribution and marketing

This is one of the most important points of the business plan. You can therefore divide distribution and marketing into offer strategy, price strategy, distribution strategy, and marketing strategy.

• The product offer is critical and presents an opportunity to set yourself apart from your competitors. The business plan should stress the difference between you and your competition and what makes your product special. Your strategy for further development should not be missing here.
• The chosen price strategy is also importance. Did you desire for high or low prices, or even a threshold price strategy? Your business plan should demonstrate how your price strategy secures cost recovery and at the same time sets you apart from your competitors. You should therefore list the prices of your competitors for comparison. The price needs to be competitive, which should be visible in the business plan. You should also elaborate on the composition of your price, how high your profit margin is, and the minimum price of the product. The distribution concept should be visible as an entity. Publicity is needed for making your product known. Which strategy is to be pursued and why, is also part of the business plan

Some products and services can gain a high profile with the help of clever PR-strategies. This should not be underestimated.

. Co-workers and business coordination

Your business plan should outline your overall orientation regarding organisation: is there a strict hierarchy or do you prefer project teams? Where lie the responsibilities? The choice of co-workers and the suitable job description needs to follow accordingly. It may be better to employ part-time workers or consult external experts for individual projects. The business plan should also show the planned development of the employee situation. With the growth of the company, the number of employees may also need to be increased. You may, however, plan not to hire employees and rather commission external service providers for individual projects. This is useful in the area of bookkeeping

• . Legal form

A good business plan should also contain explanations about the chosen legal form of the company. Which person or other corporation holds a part of the company? Why is the current legal form the suiting the best? Are there any changes planned when growth is coming? This is part of the business plan.

•  Chances and risks

The risks, but also the chances are the most interesting parts of the business plan for investors, loan creditors, and bankers. Risks are naturally a delicate topic. However, if you are honest and mature about them (and they are listed in your business plan), they should not present a problem. Worst-case scenarios and best-case scenarios can be helpful to make your point. The appropriate numbers should be listed as well.

• . Capital requirement

The seed capital has to come from somewhere. No one founds a business without any resources. In most cases, the equity capital is not enough. The business plan should therefore show, which capital goes where and for what it is used. The reserve capital is also of importance. Self-employed people or freelancers have to budget for their personal needs. Current as well as prospective loans should not be forgotten.

•  Finance plan

The finance plan is likely the most complex component of the business plan, because it is not easy to show where the money comes from, where it goes, and for what it is used.

• The equity capital is one component of the finance plan. The amount you contribute should be noted in the business plan, as banks appreciate it when personal resources support new-business loans.
• External funds and their amount and distribution are an important part of the finance plan. Often the funding occurs through capital providers, such as investors or banks as loan providers. (Public) subsidies are also external funds. Should you plan to claim such funds you should include it in your business plan.

The so-called liquidity projection demonstrates financial solvency over a planned period. There are benchmarks for every sector, which can help you orientate yourself. Here, you should also mention the break-even point, meaning the point in time when you move from the red into the black. Your business plan should also point out how you intend to get by until then.

• The profitability statement or earnings forecast demonstrates, which proceeds a customer generates with which product (should there be more than one). Of course, these are only estimations but they can be well founded. The profit and loss statement shows how the capital and value is expected to increase. The turnovers are contrasted with the expenses.
•  Further documents

You should complete your business plan with other relevant documents, such as a CV, surveys, or drawings.

•  The right measure

Many business plans are too extensive, as the authors (the business founders) believe they need to describe every small detail extensively. You should not lose yourself in flowery phrases, but make precise statements. It is helpful to let friends, who are strangers to your line of business, read your business plan. If they can understand everything, the plan is comprehensible. You should be able to recount your business plan by heart and know the numbers in your sleep. This ensures that a presentation, or a visit with the bank or other investors will go smoothly

Location: Choosing a business location is not something that can be done on a whim; it’s a crucial step in starting a business. First things first, the business location you choose will depend on the type of business you operate. Business parks, shopping malls, strip malls, professional buildings, and others are all designed to meet the specific needs of various businesses. If you’re expanding from online-only to online and brick-and-mortar, for example, your needs will be much different than if you’re an accountant looking to grow your firm and bring in new clients.

A business location strategy takes planning and research and a willingness to thoroughly vet all of your options. With these helpful tips, you can identify the best place to establish your new business.  Commercial business spaces offer flexibility for even more growth down the road, but are typically best for businesses that don’t rely on heavy consumer traffic.

Goals And Objective of a Financial Technology Company:

Objective: ​​​it is utilized or to help companies, business owners and consumers better manage their financial operations, processes, and their desire lives.

Goals: to be the leading company among it revise.

Insurance In Financial Technology

The obvious and most important benefit of insurance is the payment of losses. An insurance policy is a contract used to indemnify individuals and organizations for covered losses. The second benefit of insurance is managing cash flow uncertainty. Insurance provides payment for covered losses when they occur.
Your start-up success is pegged on its founding team. However, finding the right team as a start-up is not easy. You must invest and work with the right talents, which can be hard to find or expensive to hire and retain.

According to successful Fintech founders, start-ups should hire budget-friendly offshore software developers to work with their in-house team until a time when the entrepreneur can afford to pay the high salaried top financial app developers.
Hiring: Your start-up’s success is pegged on its founding team. However, finding the right team as a start-up is not easy. You must invest and work with the right talents, which can be hard to find or expensive to hire and retain.

According to successful Fintech founders, start-ups should hire budget-friendly offshore software developers to work with their in-house team until a time when the entrepreneur can afford to pay the high salaried top financial app developers.

HR Process: A human resources process is a way of bringing consistency and visibility to a common function of the HR department. This consistency makes it easier for employees to interact with their HR teams and helps HR managers respond to employees with timeliness and accuracy.

GETTING STAFFS: The staffing process is a systematic attempt to implement die human resource plan by recruiting, evaluating and selecting qualified candidates for the job-positions in the organization. Thus, like planning and organization, staffing is also an important function of management.

Opportunities For Fintech in Logistics

Information is frequently shared within logistics chains using paper documents, which require manual signatures, retyping, and stamps (invoice, bill of lading, letter of credit). Many logistics firms still rely on antiquated technological solutions that are out of date in today’s networked world. Logistics services (data and transactions) are not fully linked with existing digital infrastructures in comparison to other industries (e.g. cloud software, smart phones etc.). This is particularly true for small and medium-sized businesses. The logistics business can make significant progress if it takes advantage of the opportunities provided by fintech. However, logistics service providers have generally focused on commodities delivery and are unaware of the benefits that fintech may bring to their processes. Joining forces can benefit both the financial and logistics businesses. Within logistics chains, information is, showing practical examples of fintech services that are relevant to the logistics industry.

How To Obtaining Customers

We all secretly hope that the best product (ours, of course) would prevail on its own merits when we start a firm. As a result, even the most amazing apps might stagnate without finding an audience. As a result, many entrepreneurs struggle to make the transition from product design to customer acquisition and marketing. To paraphrase a product-market-fit guru, the question is: How do you get the dogs to consume the dog chow once you’ve produced it?

Customer acquisition is more difficult than ever before, as evidenced by the fact that more than half of Nigerian smartphone users download zero new apps each month. That means you’re probably too late if you wait until your product is finished to design a distribution strategy. This is especially true in fintech. Where customers might already be hesitant to adopt your product.

You can rarely rely on word of mouth as a start-up. Here are a few ways fintech companies (and others!) can find users that are generally overlooked.

Become a part of payroll

Thanks to companies like Square and Gusto, services like earned wage advances and robot-saving may now be smoothly incorporated into the payroll process. This concept not only creates a built-in client base, but it also reduces the risk of extending loans by lowering default rates when payments are automatically withdrawn from the borrower’s pay check. Guideline, a start-up that offers low-cost 401(k) plans to small employers, is an example of this method.

Employers should be included.

You sell your service to a business, gaining that business’s customers as your own in the process. In this case, however, you’re distributing a product to employees via their employer. Unlike a typical channel strategy, these integrations work best when the product is mutually beneficial for both the employer and employee. For example, in the case of on-demand digital assistant Accolade Health, employers see reduced health care costs from their risk pool, while consumers see improved health outcomes. In fintech, this route has been taken by employer-distributed apps like Infiltrate existing marketplaces

They have the potential to become large-scale distribution networks in and of themselves. Sunder, an alternative home-rental company, lists its apartments on Airbnb to take advantage of the platform’s vast reach. When users come across Sunder’s postings, the Airbnb competitor can develop a direct relationship with them. Similarly, Capital One uses Credit Karma to provide cards and loans, then leverages those products to route customers into Credit Wise, its rival credit score monitoring app.

Activate social networks

So far, social networks in fintech have been mainly underutilized. Existing social relationships, on the other hand, can be a tremendous tool for encouraging saving and extending credit; an age-old (offline) example. In the future, a16z general partner Connie link discusses how WhatsApp and WeChat groups in China are being used to facilitate product experiences in travel, shopping, fitness, and other areas.

Revisit direct mail

Mail is a tried-and-true route that many start-up overlook. Mail, on the other hand, has a number of advantages for financial services firms in terms of reaching out to untapped customers. For one thing, targeting data can be combined with credit bureau information to make it easier to identify prime clients. It also provides a consistent, cost-effective alternative to Google’s ad auction strategy, because the cost of delivering mail is set.

• Use Search Engine Optimization (SEO) is the process used to optimize a website’s technical configuration, content relevance and link popularity so its pages can become easily findable, more relevant and popular towards user search queries, and as a consequence, search engines rank them better.

• Don’t forget about local SEO. … Search Engine Optimization

• Make infographics. … A visual representation of information or data, e.g. as a chart or diagram. “A good infographic is worth a thousand words”
• Leverage paid ads. … Leverage is the strategy of using borrowed money to increase return on an investment. If the return on the total value invested in the security (your own cash plus borrowed funds) is higher than the interest you pay on the borrowed funds, you can make significant profit.

• Generate reviews. … Is the process of getting more online reviews on your business listings’ review sites …This includes sites like Google and Facebook, among other industry-specific ones like Apartments.com and Health Grades.

• Email marketing. … Is a form of marketing that can make the customers on your email list aware of new products, discounts, and other services, It can also be a softer sell to educate your audience on the value of your brand or keep them engaged between purchases. It can also be anything in between.

• Social media marketing. (SMM) refers to the use of social media and social networks to market a company’s products and services. Social media marketing provides companies with a way to engage with existing customers and reach new ones while allowing them to promote their desired culture, mission, or tone. g. Facebook Instagram and WhatsApp

Management Strategy

Management strategies are a collection of processes that businesses use to ensure their activities remain aligned to the company’s mission, objectives and strategic plan.

MARKET NICHE: A niche market is the subset of the market on which a specific product is focused. The market niche defines the product features aimed at satisfying specific market needs, as well as the price range, production quality and the demographics that it is intended to target. It is also a small market segment. For Example, insecticide is produced in order to reduce the effect of mosquitos and other related insect on human’s body. While financial technology is platform build-up in order to provide financial aid to their prospect customers.

• Obtain a tax identification number: Individuals can apply on the JTB website with NIN or BVN (Bank Verification Number) or visit your nearest Federal Inland Revenue Service (FIRS) with Utility Bill, Valid ID (Government Approved) and a Passport Photograph.
• Implementation process: Implementation is the process that turns strategies and plans into

Actions in order to accomplish strategic objectives and goals. HOW TO MAINTAIN A BUSINESS PLAN: A business plan is a written document that describes in detail how a business; usually a start-up; defines its objectives and how it is to go about achieving its goals. A business plan lays out a written roadmap for the firm from marketing, financial, and operational standpoints.

Mistake To Avoid in A Financial Technology Company

Here are the five common financial technology mistakes and how to avoid them.

1. Expecting things to be simple

Making your vision a reality, no matter how good it is, will never be easy. According to recent research, 40% of founders reported a negative impact on their income, a third reported a bad impact on their family and social lives, and a quarter worked an average of 70 hours each week. It’s difficult, but at the end of the day, 75% of people would do it again.

Founders should only embark on this path if they are willing to put in the effort. They should surround themselves with a staff that is prepared to deal with failures, bad criticism, and unwelcome shocks. Founders must have unwavering passion, drive, and dedication.

1. A lack of grasp of the market, the product, or the customer

Founders should never believe they know how their product will be received by the market; they should never underestimate the importance of this ignorance. A good product should provide a solution to a problem, not a problem in search of a solution. There is still more study to be done before bringing this product to market. Unfortunate unfamiliarity with the target market is responsible for 42% of start-up failures. This is completely avoidable, and there is no replacement for conducting study to determine what you are disturbing. Who are the current occupants? How will they put you to the test?

1. Taking full responsibility for whatever

A great concept requires a team of people to help it succeed. Those that surround founders must challenge, push, and improve them. They’ll be successful if they can strike this equilibrium.

A board of directors should support a leadership team by complementing the founders’ deficiencies. To make this work, they should bring together industry credibility, sector experts, freedom, and the proper mind-set.

1. Loss of command

It’s critical to maintain control by enlisting the help of the greatest investors. Always do your homework on your target investors, learning who they are and how they function so you can devise a strategy to engage them. Recognize that not every trade is in your best interests, and be prepared to walk away if necessary.

Additional dilution may assist attract early-stage investors, but later-stage investors will be wary of companies with insufficient CEO/founder stock.

It’s critical to recognize when you need to enlist the help of others to supplement your knowledge and skills. Early-stage funding can be done by the founding team, but as you progress to Series B and C, you’ll require market advice.

1. Execution failure

Individual genius may have sparked a fintech journey, but it will not suffice on its own. A company’s survival, growth, and success are dependent on systematic processes and high-performing personnel. Start-ups can mix agility and creativity with stability and security by paying attention to repeatable, quantifiable procedures that enable predictable growth.

Starting a fintech company isn’t easy, as founders will attest. The business will align and begin to make sense with the correct counsel, relationships, processes, and plans. Once all of this is in place, the sky is the limit, and a brilliant idea can blossom into much more. My suggestion is to learn from other people’s mistakes.

Key Player in Financial Technology Industries

BIG PLAYER Rank

Company                            Industry             Revenue (USD Million) Net (USD Million)

Berkshire Hathaway           Conglomerate           245,510                                      42,521

Ping and Insurance Group   Insurance                   191,509                                    20,738

ICBC                                           Banking                      182,794                                    45,783

China Construction Bank      Banking                      172,000                                     39,282

Agricultural Bank of China    Banking                    153,884                                    31,293

China Life Insurance              Insurance                    144,589                                  4,648

Allianz                                     Insurance                     136,173                                   7,756

Bank of China                       Banking                      134,045                                    27,952

JP Morgan Chase                 Banking                           129,503                                   29,131

AXA                                       Insurance                          128,011                                    3,605

Small Players in Financial Technology Industry

Company       Industry                      Revenue (USD Million) Net (USD Million)

ANZ                   Banking                             27,147                                          4,863

BBVA                 Banking                            26,261                                            2,930

Onex                  Investment Services    25,606                                                -0.663                                                                                                         Lloyds Banking Group   Banking                                     25,251                                                 5,737

Basic Cost of How to Start the Business

• Cost of machine
• Cost furniture
• Cost of renting
• Cost of logistic
• Personnel cost

Business Name and Slogan

Name: kin’s

Slogan; send it now

Conclusion

Starting a fintech company in Nigeria offers big opportunities but also requires careful planning. Success will depend on meeting regulatory requirements, building secure and scalable solutions, understanding customer needs, and earning trust. Entrepreneurs who combine innovation with compliance and strong execution will be well-positioned to drive financial inclusion and growth.

Call to Action

At Business Cardinal, we guide entrepreneurs and investors through every stage of building and scaling businesses in Nigeria. Whether you are starting a fintech company, setting up manufacturing, or expanding into new markets, we provide the insights, strategies, and support you need to succeed.

Contact us:

Tel: (+234) 802 320 0801, (+234) 807 576 5799

E-Mail: hello@businesscardinal.com

Office Address: 5, Ishola Bello Close, Off Iyalla Street, Alausa, Ikeja, Lagos, Nigeria