Economic and social inclusiveness thanks to our digital service offerings

Participate in economic and social promotion through listening and innovation.


of customers use a bank mobility solution



financial Inclusion Rate in Africa



greater Bankruptcy Rate in Africa



mobile phone penetration rates in Africa

It is through digital technology that we will be able to accelerate banking and financial inclusion in Africa. The Orabank Group is adopting new applications with the aim of transforming its value proposition.
Director of Digital Bank

Client Empowerment

The Digital Bank
Orabank is committed to providing a comprehensive digital offer that empowers customers in their relationship with the bank. Orabank is implementing a digital policy aimed not only at meeting the needs of an increasingly connected, mobile and greedy clientele of innovative banking and financial services, but also at penetrating new niches of unbanked customers.
Today, it is a matter of leading the service to the customer; he no longer systematically moves to the agencies and expects to be able to have the services from where he is, from the moment he has an internet connection.

Social inclusion

ODD 8.3
Inclusive Digitalization
Orabank is committed to banking African populations for social inclusion Digitalization is a lever for growth to collect more deposits and the Orabank Group wants to take an important position in the banking and financing of economies in sub-Saharan Africa by being a citizen and responsible economic player. As large populations are still far from our services, the Orabank Group must promote economic and financial integration, thanks to new technologies that are rooted in long-term usage.
The deployment of the digitalization strategy allows us to reach a wider target while diversifying our sources of revenue. In the sub-Saharan region, we can expect a major surge in financialization via mobile. We position ourselves on this new customer segment with more suitable products. Orabank’s strategic ambition is to build a profitable, efficient group that serves a clientele for whom it can find innovative solutions, including those with lower incomes, and where it is good to work. Through our funding, we are more interested in contributing to the creation of local wealth and jobs.
The first phase of digitalization began in Togo with the launch of the omnichannel platform called KEAZ. It offers a range of online banking products for customers of individuals and companies, but also offers a mobile app and a platform from Agency Banking for distributors or sub-agents. The mobile app “My KEAZ” is available on Apple and Google Play blinds but also has a USSD interface for non-smartphone phones.
KEAZ and KEAZ PRO, respectively intended for retail customers and professionals will gradually replace Ora@net. The KEAZ brand was launched in Togo in 2019.
Orabank’s My KEAZ mobile app replaces Oramobile. The product deployment will be finalized in all 12 countries of the group in 2020.
The FREEDOM card is a Visa Electron prepaid debit card rechargeable by cash deposits, check or bank transfer to Orabank agencies.
In our group, information security is part of a business risk management approach and is one of the major vehicles for our commitments to our stakeholders. It’s also everyone’s business !
Salif SOW
Director of Information Systems

Sécurité informatique

Orabank is committed to ensuring a high level of security, reliability of systems and stored information. In an increasingly constraining legal, regulatory and contractual environment and in the face of cyber-crime threats, the security and availability of the Group’s information heritage and underlying information systems are becoming strategic for the Group’s performance.
The Group must be able to guarantee its shareholders, customers and employees the security and reliability of its systems while maintaining the agility necessary for its development. In order to meet these challenges, the Orabank Group has developed an Information Systems Security Policy that is applicable to all Group entities and allows for a consolidated common vision of the security of our assets.
This policy is part of the Group’s approach to managing operational risks. It is a strategic issue for our Group and is one of the major vehicles for meeting our commitments. It gives rise to thematic policies and guidelines that set the rules for functional safety. All the Group’s staff are therefore mobilized and committed to supporting the security policy and to ensuring the continuous improvement of the processes resulting from it.