o3cards app for iPhone and iPad

O3 Capital is the first non-bank card issuer in Nigeria and aims to become the preferred credit card issuer in the long-term.

The strategic thrust of the company is to issue Naira denominated cards; both credit and prepaid to the Nigerian market. This objective correlates to that of the Central Bank of Nigeria’s Financial System strategy 2020, to create a “cashless Nigeria”.

The Central Bank of Nigeria (CBN) introduced a policy on cash-based transactions in on July 01, 2014. The policy aimed to reduce the amount of physical cash circulating in the economy and encourage more electronic-based transactions

Taking advantage of the CBN initiative and the demand for micro-credit facilities by the growing middle income demography of the Nigerian working population,

O3 Capital has developed its product to cater to the fast growing credit card market and seeks to cultivate the culture of credit card usage in Nigeria.