Business Banking Opportunity OurPass is pivoting toward providing end-to-end banking solutions for businesses in Nigeria and already serves large retailers. This suggests a sales opportunity to offer enhanced business banking products such as merchant accounts, payroll integration, and cash flow management to mid to large merchants and franchise networks.

TradeFinance Expansion With the launch of TradeAdvantage inventory financing in March 2024 and plans to offer broader financial services after acquiring an MFB licence, there is a clear cross-sell path for inventory financing, supplier finance, and working capital solutions to established retail partners and growing e-commerce merchants.

Marketplace Synergy OurPass currently processes about a million transactions monthly for major Nigerian outlets (Spar, Shoprite, Eat’N’Go). This depth of merchant activity creates a sales window to upsell payment orchestration, merchant analytics, and fraud prevention services to optimize large-scale retail payments.

Data and Analytics The technology stack includes Tableau and PostgreSQL, indicating a data-driven posture. This can be leveraged to sell advanced financial analytics, KPI dashboards, and customizable reporting to businesses seeking insight into spending, cash flow, and transactional trends.

Market Positioning Competitive positioning as a growing business banking platform in Nigeria, aiming to compete with Brass, Moniepoint, and Prospa, points to opportunities in channel partnerships, co-branded solutions, and accelerator programs to rapidly expand reach among SMEs and high-volume merchants.