There are 500 million unbanked people in Africa who interact with informal merchants for a wide range of services. This channel of high volume but small value transactions requires the unique solutions that Nomanini has built. These potential account holders live on $5 a day and are widely distributed geographically and so existing banking channels, such as branches, ATMs and even agency banking are too expensive to serve them. Nomanini enables financial inclusion via local informal retail merchants, who already serve as a daily touch point for over 80% of people in Africa. Nomanini enables merchants to facilitate a wide-range of basic transactions including mobile top-ups, utility payments, remittances, deposits, withdrawals, account opening and mobile money/card acceptance. Nomanini works with banks to enable existing third party merchant aggregators, such as mobile and FMCG distributors, to acquire and serve merchants efficiently.