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

90%

2022 : 90

2021 : 90

2020 : 90

Network Failures

2022 : 50

2021 : 172

2020 : 15%

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Build trust, harmony, and sustainability with our various partners and include in our development all relationships and partners in our value chain.

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 and services 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 and services tailored to their needs and by making a positive contribution to the digital transformation of the group’s presence economies.

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.

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WhatsApp Banking

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 carry out several banking services, 27/7: having a bank account number, the account balance, a mini bank statement, wire money from an account to another, from a bank account to a mobile money account, and vice versa. WhatsApp Banking, developed through the partnership with Fintech SEMOA, is the result of a double ambition; the one of Orabank Group, which, in its strategic plan 2021-2025, has chosen a focus on accelerating the deployment of the oﬀer and digital transformation, one of our banks, which very early on, adopted a 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 their clients.

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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.

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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 of 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 to 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. After a two-year break, the Centre Togolais des Expositions et Foires de Lomé – CETEF, hosted the International Fair of Lomé – FIL which was held from November 30 to December 18, 2022. The Bank had a stand in the Agou pavilion where visitors could open accounts, and get assistance with enrolling on the MYKEAZ application and WhatsApp banking.

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KEAZ

Innovation is at the heart of the Group’s concerns 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. The omnicanal platform is now available in all countries. It will be deployed in the Group’s other countries and its App can be downloaded from the App Store and Google Play. KEAZ is a wide range of digital products for mobile phone users and makes banking services accessible and available to all segments of the population by developing a really close relationship through an ambitious commercial approach. The platform provides products such as Internet Banking for individuals, Internet Banking for businesses, Internet Banking for agents, Mobile Banking, bill payment, and other services such as the electronic wallet (eVoucher) for card-free ATM withdrawals and money transfer services.