Introducing AppZone– Leading Financial Technology Software provider

• AppZone’s phenomenal industry impact has been driven by the following facts:

• Significant amounts of people and businesses in Africa are financially under-served

• Financial institutions’ are unable to traditionally service many customer segments in a profitable way.

• African Banks are adopting digital channels to create superior customer experiences and gain competitive advantage.

• Most Financial technology systems are imported hence tend to be too expensive, inflexible and not tailored to the needs

of the local environment.

AppZone is a Fintech software provider and venture builder enabling Banks to digitize and fully automate the delivery of financial services.

Through automation, AppZone products help significantly reduce Bank operational costs while considerably improving service delivery.

AppZone owns all its IP and has existing relationships with every Bank and most Microfinance Banks across the financial services industry in Nigeria.

“We can transform African societies from 3rd world to 1st

world status (in our lifetime) through digital and fully automated wealth creation”

Our Core Belief

End Poverty

Modernize Our Environment

Dignify Our People

…with the ultimate goals to…

To digitize & fully automate all economic activities in Africa.

Our Mission/Vision

Our Business Focus

Our technology platforms enable financial institutions deliver

fit-for-purpose services to the under-banked informal sector in a

profitable way.

Financial Inclusion

We are on track to digitize and fully automate Banking as we

transition African Banks from brick and mortar to fintech and digital.

Digital Banking

AppZone is dis-intermediating and proliferating digital payments thereby

laying the foundations for a truly cashless economy.

Digital Payments

“AppZone is deploying disruptive digital technologies to enable financial inclusion, automate banking and facilitate payments”.

BankOne is an integrated core banking and digital channel management

application for microfinance banks.

CreditClub empowers bank-led agent networks to deliver Banking services to remote customers in the informal sector particularly where

there are no branches.

Products

AppZone offers BankOne as a shared service on secure cloud

infrastructure to manage day- to-day operations and enable digital

service delivery for the Microfinance Industry.

BankOne is the only platform that integrates MFB core banking

functionality with digital channels like Mobile App, USSD, PC Browser,

ATM, and Agent locations on a single platform.

AppZone has established partnerships with most commercial banks in Nigeria thereby leveraging their reach and relationships to on-board MFBs.

CreditClub also provides a complimentary independent

network of roving and stationary agents that use CreditClub

technology to service customers on behalf of banks.

CreditClub also supports instant card issuance and USSD provisioning to enable customer have instant access to newly created accounts.

Basic Banking services available through CreditClub include

instant account opening, cash deposits, cash withdrawals,

transfers and loan origination.

Prime is a cloud-based card management platform that provides integrated hosting, transaction processing and end- to-end process automation

services for payment cards.

Blend is a digital banking development and delivery platform that allows banks rapidly create and launch their own mobile apps and digital

solutions in-house.

Products

Prime allows banks achieve end-to-end personalization and

issuance of chip-and-PIN debit cards within five minutes of

request in any branch.

By replacing expensive outsourced operations with automated

alternatives, Prime enables Banks perform card personalization and

transaction processing activities in-house.

Prime empowers Banks to take control of the entire card services value chain in order to gain significant savings and reduce service delivery TATs.

With Blend, Banks can deploy small teams of mid-to-entry level

developers to take full control of their digital journey.

Blend empowers Banks with the speed, agility and user experience to transform traditional digital offerings and/or deliver a fully digital Bank via

multiple channels including Mobile, Tablet, PC and Kiosk.

Blend provides a rapid innovation environment with DIY

tools, predictive analytics and instant deployment functionality.

Zone mobile is a social m-commerce platform and ecosystem based on instant messaging technology and embedded into Mobile Banking apps.

Zone switch is a peer-to-peer transaction processing platform based on Blockchain technology.

Products

Zone applies chat conversations, content publishing, and push

notifications, to enhance payment and commercial

interactions and create whole new experiences for users

Asides transforming the person-to-person payment experience,

Zone connects merchants to mobile Banking users thereby

enriching Bank mobile apps with social ecommerce capabilities.

.

Zone also establishes life-time communication channels that enable sellers engage buyers in more effective ways that significantly

increase sales and promote loyalty

MOBILE SWITCH

Zone’s Blockchain switch is deployed within datacenters of

banks to enable each bank consummate inter-bank

transactions without requiring any intermediary.

Zone Switch digitizes, automates and fully dis-intermediates all operations involved in the processing of electronic

financial transactions.

Transaction processing operations managed by Zone switch include authorization,

clearing, settlement, reconciliation, back-office

posting and reporting.

Our Guiding Principles

All human beings should be equally respected & empowered to live fulfilling lives.

HUMAN DIGNITY

Technology has the potential to drastically improve our human condition.

Technology Transformation

To achieve widespread adoption, technology must be usable, secure, applicable and

reliable.

USAR Focus

To innovate, we need quick & thorough understanding of relevant tech, business rules &

customer needs.

Accelerated Learning

Disruptive innovation unlocks enormous value that ultimately benefits our society.

Disruptive Innovation

We must act on our ideas really fast or risk losing access to useful resources

and/or the opportunity to have an impact.

RAPID EXECUTION

Core Values

End-to-end Automation

We are replacing expensive and rigid manual processes being outsourced by Banks or managed in-house with

agile and fully automated alternatives.

Digital Delivery Channels

We are enabling the full utilization of digital alternatives for financial service delivery including human-assisted

and self-service options.

Cognitive Services

We apply cutting edge algorithms to extract deep insights from customer data and real-time

interactions for better decision making and to enhance customer experience.

In-house Development Platform

We enable small in-house development teams within Banks to rapidly create and launch digital offerings that include mobile apps and self-service portals.

Our Fintech Value Proposition

Launched First Product: BankOne

BankOne launched targeting

MFBs upon completion of a 2 year development effort.

Jun-08 Apr-11 Mar-16 Jun-17

Jan-11Jun-14 Dec-16

Secured investment of $400k

New Investment from Green House Capital through Founder Holdco

Launched Agent BankingAgent Banking platform was pioneered by Diamond

Bank, a leading Nigerian retail bank.

Completed 2 year project to achieve PCI DSS

compliance & certification.

Launched BlendWent live on the Blend Internet &

Mobile Banking platform at Providus Bank

Jul-17

Launched Prime Instant Issuance

Commenced live operations in GT bank for instant EMV-based card personalization in branches.

Jan-18

Launch of Zone Mobile

Zone's conversational mobile payment service is expected to launch early 2018.

Mar-18

Launch of Zone Block chain Switch

Zone's peer-to-peer switching product (based on Block-chain technology) is expected to

launch early 2018.

Commenced OperationsAppZone initially provided bespoke software services

to commercial Banks in Nigeria

Closed $2M Investment dealNew South African Investors, BCX who subsequently got acquired by Telkom

Our History

Obtained PCI-DSS

Certification

PROCESSING

80billion

In transactions monthly

18Commercial Banks

MANAGING

35billion

in sitting balances

Business Statistics

350Microfinance Banks

ISSUING MORE THAN

1million

cards monthly

DISBURSING MORE THAN

5billion

In loans monthly

130Highly Motivated

Professionals

5,000,000

Hosted Accounts

Our Footprint

Head Office:3B, Iron Bar Street,

Lekki Phase 1.

Divisional Office: 350, Borno Way,

Alagomeji Yaba.

Northern Sales Office: 215, Ademola

Adetokunbo Crescent, Wuse II, Abuja.

Eastern Office: 14, Ziks Avenue

Awka, Anambra

State.

Data Centre Site: MainOne-FABAC

Close, 3b Ligali

Ayorinde Street, Lagos

Nigeria Africa

Awards & Certification

15Public PowerPoint Template

Obi is the CEO of AppZone.

He previously served as an ED at Parkway Projects LTD

where he spearheaded its electronic payments

division and built several innovative solutions,

formulating as well as implementing multiple

winning business strategies on a corporate and

product level.

Founded AppZone in 2008 and is largely responsible

for company’s emergence as Nigeria’s leading

provider of home grown banking and payment

software with clientele that spans over 16 and 300

banks and microfinance/mortgage banks respectively.

Wale serves as the CTO of AppZone.

He has over 10 years of experience in the modeling,

design, and implementation of enterprise software.

He has been involved in intensive research in areas

of electronic commerce and payment, portal

technology, enterprise software, mobile applications,

embedded technologies and rapid application

development frameworks.

He served as Head, Research & Development of Parkway

Projects LTD and was responsible for performing

research, recommending solutions, and leading a team of

application developers.

OBI EMETAROMCEO at AppZone

B.Sc. at Federal Univ. of Technology Owerri

Emeka serves as COO of AppZone.

His entrepreneurial drive led to the development of

Nigeria’s premier mobile airtime distribution service

in 2006 which gave to the RechargePlus® brand, a

web and mobile based service for prepaid airtime

purchase.

Prior to this Emeka established Ceerom Ventures, a

table water production and manufacturing business

enterprise.

He holds an engineering degree from the Federal

University of Technology, Owerri.

EMEKA EMETAROMCOO at AppZone

B.Sc. at Federal Univ. of Technology

Owerri

WALE ONAWUNMICTO at AppZone

B.Sc. At Obafemi Awolowo University

Founder Team

Our Technology

Serverless Computing

Machine Learning

BlockChain

1

2

3

“We have built deep competences around these state-of-the-art technologies that will form the foundations for our digital and fully

automated future.”

Proactive uptime monitoring, routine maintenance and

management of usage scale

Rapid and agile project delivery methodology with rigorous project

planning, tracking and control

Case management automation including case assignment,

tracking, feedback and escalation.

World class cyber-security stack covering physical access, as well as

network, server, database, and application layers.

Operational Excellence

Global best practices inrequirements management, testing,

deployment, and change management

Key Clients

Partners

Correspondent Bank Partners

Infrastructure Providers Payment Processors Card Schemes

Advisors

Provider Category Service Provided

Synergy Law Partners Legal AdvisorsGeneral Legal advisory

Services and acts asSolicitors and advocates

Remi Oyekola & Co. Auditors External Auditing Services

Management Transformation Management Consultants Advisory services on strategy, operation & M&A

First Bank, Skye Bank, Stanbic IBTC

Bankers Banking and Financial Services

Manasard Insurance Insurers Property, Vehicle and Group life insurance

InfoPrive Limited IT security consultantAdvisory on IT Security compliance and

certifications