We advised the Client in the development and implementation of its mobile banking application, which is a premier introduction of mobile banking in microfinance banking in Nigeria. As Solicitors to the Client, we provided legal advisory support during the negotiations with third party software developers, switches and card issuers and advised on the contractual relationship between the Client and all third parties. We also reviewed the terms and conditions of the Client in relation to the mobile banking application. Separately, we provided legal advisory services as well as regulatory diligence services in relation to the deployment of the Client’s international debit cards and mobile tellering services. The successful implementation of these products have increased the customer base of the Client and aided the provision of services to its customers who are major small and medium scale enterprises, in line with the objective of banking the unbanked. It has also effectively reduced the cost of physical branches, while increasing the competitiveness of the Client in the microfinancing banking sector.