Economic and social inclusiveness thanks to our digital service offerings

"Digital will enable us to accelerate banking and financial inclusion in Africa. The Orabank Group adopts new softwares and Apps with the desire to transform its value proposition. "

Amos KONLAMBIGUE, Digital Banking Director Tweet

"In our group, information security is part of an approach to controlling operational risks and is one of the major drivers of our commitments to our stakeholders. It's also everyone's business! "

Salif SOW, Director of Information Systems Tweet
1 %
Customers using banking mobility solutions
1 %
Only Africans have fixed incomes
1 %
Bankization rate
Digital banking

Orabank is committed to offering a complete digital offering that enhances customer empowerment in their relationship with the bank.

Orabank is setting up a digital policy designed not only to meet the needs of an increasingly connected, mobile clientele eager for innovative banking and financial services, but to penetrate new niches of unbanked customers. Today, it’s about leading the service to the customer; he does not move more systematically in agencies and expects to be able to get services from where he is, from the moment he has an internet connection.
The Orabank Group is setting up an infrastructure and a dedicated “Digital Financial Services” division to offer digital banking services (e-banking, mobile banking, mobile money). We also create customer relationship centers to assist our customers in their journey and experience with Orabank. Orabank is an authorized agent of several money transfer operators: Wari, Sigue, Oryx, Western Union, MoneyGram, RIA, Joni Joni Money Transfer and Small World.

Inclusive digitalization

Orabank is committed to giving African people access to banking, to reduce their social exclusion.

Digitization is a growth driver to collect more deposits and the Orabank Group wishes to take an important position in the banking sector and the financing of the economies in sub-Saharan Africa by being a responsible and citizen economic actor. Since significant populations are still far from our services, the Orabank Group must promote economic and financial integration, thanks to new technologies that are anchored durably in uses. The deployment of the digitalisation strategy makes it possible to reach a broader target while diversifying our sources of income. In the sub-Saharan region, we can expect a significant expansion of financialisation via mobile. We are positioning ourselves on this new customer segment with more adapted products. Orabank’s strategic ambition is to build a profitable, efficient group, serving a clientele for which it can find innovative solutions, including for those with lower incomes, and where it is good to work. Through our funding, we are more interested in helping to create local wealth and jobs. The first phase of digitization began in Togo with the launch of the omnichannel platform called KEAZ. It offers a range of internet banking products for private and corporate customers, but also offers a mobile application and Agency Banking platform for distributors or sub-agents. The mobile application “My KEAZ” is available on Apple stores and Google Play but also has a USSD interface for non-smartphone phones

 
A reliable and secure information system

Orabank is committed to ensuring a high level of security, reliability of systems and stored information.

In a context that is becoming increasingly restrictive from a legal, regulatory and contractual point of view, and in the face of cybercrime-related threats, the security and availability of the Group’s information assets and the underlying information systems are becoming strategic. the performance of the Group. The Group must be able to guarantee its shareholders, its customers and its employees the security and reliability of its systems while retaining the agility it needs for its development. Thus, to meet these challenges, the Orabank Group has an Information Systems Security Policy applicable to all Group entities and allowing a consolidated common vision of the security of our assets. This policy is part of the Group’s operational risk management approach. It is a strategic issue for our Group and is one of the major vectors of compliance with our commitments. It gives rise to thematic policies and guidelines that set the functional safety rules. All Group employees are therefore mobilized and committed to supporting the safety policy and ensuring the continuous improvement of the resulting processes.

KEAZ and KEAZ PRO, respectively intended for retail customers and professionals, will gradually replace Ora@net. The KEAZ brand was launched in Togo in July 2019.
Orabank’s My KEAZ mobile app replaces Oramobile. Deployment of the product will be finalized in all 12 countries of the group in 2020.
liberté
The LIBERTÉ card is a prepaid Visa Electron debit card that can be topped up by cash deposit, cheque or transfer in Orabank branches.
In order to continue our work of financial inclusion, while providing a consistent digital experience across all networks, Orabank has selected CR2, CR2’s global omni-channel platform BankWorld, the world’s leading provider of banking software, to develop its banking services range digital and self-service agencies. Orabank’s Agency Banking offer, named KEAZ SPOT, was launched in Togo in July 2019 and will gradually be rolled out to all 12 countries.