Stakeholder engagement

To establish a relationship of trust, harmony and continuity with our various partners and to include all the relationships and partners of our value chain in our development.

Customers satisfied with products and services


2022 : 90
2021 : 90
2020 : 90

Customers using digital offers


2022 : 75%
2021 : 75%
2020 : 15%



Network Failures


2022 : 50
2021 : 172
2020 : 15%

The digitalization of our products and services is a real opportunity for growth even if we may consider that we need to catch up with some competitors. Moreover, improving our internal processes by digitizing them can also resolve the operational risk that is so well managed in terms of controlling these digital processes. We need to build efficiencies around digitalization.

Julien KOFFI
Sales and Marketing Director

Product development

Collaborative approach to innovation and agility

The Orabank Group operates in 4 very diversified markets: individuals and professionals (including small companies), medium-sized and large enterprises, and institutional customers. The Orabank Group offers a commercial offer enriched with innovative products and services, adapted to a sub-segmentation that is taking place (young people, pensioners, diaspora, etc.).

The Orabank Group offers a wide range of international Visa and Mastercard credit cards, a network of 219 ATMs, and high-performance Electronic Payment Terminals (EPTs), including the mPOS mobile device that Orabank was the first to launch in Francophone West Africa.

Since 2017, the Orabank Group has been offering multi-product packages for individuals and professionals. The Orabank Group partners with complementary players in the banking services and establishes strategic partnerships with insurance companies to develop bancassurance products and with public services to collect their funds (Single Window, Customs, Passport Services, Large Invoicers, etc.).

Since 2018, the Orabank Group has been setting up a regional business offering, consistent with its broad geographical presence in various economic areas. Launched in the second half of 2019, the second phase of Orabank Group’s Digital Financial Services (DFS) project continues by offering its customers innovative products tailored to their needs and by making a positive contribution to the digital transformation of the economies of the various countries where the group is active. 

Mobile Money
In December 2022, Orabank Benin signed with the two GSM operators, MTN BENIN and MOOV AFRICA BENIN, a partnership agreement on the marketing of mobile money service. Now with the MOMO EXPRESS ORABANK services of MTN and MOOV BANKING ORABANK of MOOV Africa, Orabank customers holding a current or savings account on the one hand and having a mobile money MTN or MOOV AFRICA account on the other hand, will be able to easily send money from their bank account to their e-money account or vice versa. The two MOMO EXPRESS ORABANK AND MOOV BANKING ORABANK services are accessible 24/24, from a mobile phone and a USSD number. Subscription is possible in all Orabank branches in Benin on presentation of a valid ID and after confirmation of the mobile number.
WhatsApp Banking
Orabank Guinea launched its WhatsApp Banking platform in August 2022 to make its digital banking services more accessible. It was during a ceremony attended by Orabank Group leaders and their partner SEMOA. With this new platform developed by SEMOA, Orabank Guinée’s customers can now access digital banking services such as balance consultation, bank statement requests, bank transfers, and transfers via mobile money. The platform also allows customers to self-simulate bank loans without going through an account manager. The launch of this platform demonstrates Orabank Group’s commitment and willingness to offer innovative products and services that meet the expectations and needs of its customers.
After Orabank Togo in October 2022, Orabank Benin launched WhatsApp Banking in February 2023. With the WhatsApp app, Orabank Benin customers with a current or savings account will now be able to benefit from several banking services 7/7 and 24/24. These include the receipt of the GDP, the balance, or the mini-statement. Transfers and mobile money transfers are also possible from this new digital service. ; very innovative. WhatsApp Banking, developed through the partnership with Fintech SEMOA, is the result of a triple ambition. The first ambition is that of the Orabank Group, which, in its strategic plan 2021-2025, has chosen a focus on accelerating the deployment of the offer and digital transformation. The second ambition is that of Orabank Benin, which very early on adopted its digital transformation movement aimed at impacting the supply of products and services, but also the automation of internal processes for a better quality of services to its clients.
International Digital and Innovation Forum
On May 5 and 6 2022, Orabank Togo took part in the first edition of the International Forum for Digital and Innovation (FONI). The Forum provided an opportunity for in-depth reflection on the challenges facing the banking and financial industry in the WAEMU countries. More than 30 countries, 200 institutions and partners, and 1,500 participants traveled from Lomé to take part in the various activities that marked this event. This first edition was also marked by the launch of the activities of AFRIK CREANCES. As the founder of the FONI, it is a new regional financial institution whose scope of activities covers banking, financial, and payment intermediation. The participation of Orabank Togo was noted during the forum by the intervention of its Managing Director. After a two-year break, the Center Togolais des Expositions et Fires de Lomé – CETEF, hosted again the International Fair of Lomé – FIL which was held from November 30 to December 18, 2022. The Bank’s presence was marked by the running of a stand in the Agou pavilion. Several products and services were made available to visitors such as account opening, MYKEAZ application enrollment, and Whatsapp banking. The Liberté prepaid card is accessible to all persons who do not have a fixed postal address or a formal job.
Innovation is at the heart of the Group’s concerns in order to go even further in optimizing the customer experience. The KEAZ platform, launched as a pilot in the Orabank Togo banking network, is a perfect illustration of this. A digital banking platform, KEAZ represents by its functionalities, accessibility, and simplicity a tool adapted to the new uses of our customers. It will be deployed to the other countries of the Group during 2020.
Since July 2019, Orabank has been offering its customers in Togo a portfolio of innovative digital banking services and self-service branches (applications, wallet, e-banking, and agency banking) under the name KEAZ.
This is an omnichannel offering for consumers and professionals, as well as an app that can be downloaded from the Apple Store and Google Play. Customers of Orabank Togo, the pilot site, will be the first to benefit, followed by those from other countries of the Group. With KEAZ, Orabank launches a wide range of digital products. This means not only equipping mobile phone users with digital products but also making banking services accessible and available to all segments of the population by developing a genuine proximity relationship through an ambitious commercial approach.
The platform provides Internet Banking for home, Internet Banking for business, Internet Banking for sub-agents, Mobile Banking / Wallet (Apple/Android and USSD), and ATM (multi-function ATM for cash deposit, card-free withdrawal, account and customer information update). Several other services, such as the payment of water and electricity bills, person-to-person payments, the electronic wallet (eVoucher) for card-free ATM withdrawals and money transfer services will be offered on the KEAZ platform.
In 2021, Oragroup completed the production phase of its omnichannel platform KEAZ, which is currently deployed in 11 out of 12 countries. KEAZ CASH is the electronic wallet available in the KEAZ offer for individuals and allows for card-free cash withdrawal operations and the sending and receiving of electronic money. This feature also allows non-customers of the bank to receive e-money via KEAZ.
In 2022, three years after the launch of its KEAZ application, the Orabank Group is preparing to deploy new functionalities on its KEAZ platform such as transfers to prepaid cards, delegation of power, generation of “payment tokens”, payment programming, and the possibility for economic actors to carry out new types of operations through the application.
Orabank Togo promoted the new application interface on June 10, 2022. In 2022, the Orabank Group launched its KEAZ EXPERIENCE campaign and the digital platform KEAZ. This campaign was an opportunity for the Group to present its application which contains 3 universes: MY KEAD, KEAZ PRO, and KEAZ SPOT.
In addition to equipping mobile phone users with digital products, the goal is to make banking services accessible and available to all segments of the population by developing a genuine proximity relationship through an ambitious commercial approach.
Commercially, 2023 will be difficult. Growth is around 20% on deposits and net bank income, but 2023 will be more difficult than 2022 due to tighter monetary policy and its impacts. Our approach is based on many adjustments. Our challenge in trade is to have the right human capital in some countries, with men and women who are experienced in this situation, to rise from the level of cash managers and sell banking products and services. It’s a challenge that we have to deal with in our environment, which is difficult to move, but it would allow us to be more resilient in an increasingly competitive marketplace.