According to the CBN, in 2018, Nigerians carried out 875,519,307 ATM transactions valued at over 6.4 trillion naira (N6,480,085,899,670.37),

295,890,167 POS transactions valued at over 2.3 trillion naira (N2,383,108,901,148.12),

50,815,901 Internet (Web) transactions valued at over 404 billion naira (N404,600,990,712.52),

87,086,260 Mobile Payments transactions valued at over 1.8 trillion naira (N1,830,701,111,107.85),

44,461,846 Remita transactions valued at over 18 trillion naira (N18,495,987,427,570.80)

Yet recent data provided by the World Bank shows only 40% of Nigerian adults have bank accounts, while 118 million Nigerians do not have bank accounts!

Nigeria's active mobile subscribers hit 172 million in 2018, as Nigerians spent 767.23 billion naira on airtime in just three months!

The figures above indicate enormous business potential in the financial and telecom sectors, which I would encourage you to venture into...

I would like to teach you how to start and run your own Mini Bank with just N10,000 - guaranteed, (No hidden charges) and earn N100,000 - N487,250 monthly as a Mobile Money Agent (MMA), deploying POS machines, opening accounts for customers (even without BVN), selling (issuing) and funding ATM cards, doing cash deposits, fund transfers, Remita payments, Insurance payments, School fees, religious offerings/donations/tithes, bill payments such as PHCN, DStv/GOtv, Startimes, Spectranet, plus more, using any phone at all, including Nokia torchlight - even without internet connection!

Did you know that as a Mobile Money Agent (MMA) I have over 4,000 Nigerians who have opened accounts through me and that I earn N20.00 - N40.00 commission each time any of them transfers money or N100.00 monthly maintenance fee per account holder?

Even if each of them does only a single transaction in a whole month, I would have earned N80,000.00 (PAYG) or 400,000.00 (MMF) at the end of each month - doing nothing extra!

I also earn 2% of every amount of airtime purchased by each of my account holders. So even if each of my account holders buys only N1,000 airtime in a whole month, I would have earned additional N80,000 doing nothing extra.

I also earn commissions when any of my account holders does bill payment such as DStv, GOtv, Startimes, PHCN, etc. This is in addition to being entitled to min of 2% discount for life on personal airtime/data purchases as a MMA.

Apart from having the authority to open accounts for individuals & corporates, I would also teach you how to deploy POS machines to customers and earn min of N10,000/POS, how to issue and fund MasterCards ATM cards for account holders & earn from min of N500.00 per ATM card issued + commissions on their transactions.

And guess what? Becoming a mobile money agent costs only N10,000 and within 48hrs!

But you might wonder "How did he get 4,000+ users registered?". Ask no more as I will show you how to get thousands of users to register with your agent code within the shortest time possible!

In fact, when you become an agent in the next 48hrs, I will give you a list of 1,000 - 5,000 Nigerians to register under your agent code. The list will contain the following details:
Full name
Phone number
LGA/State

Bonus
If you register to become an agent between today (Monday) and Friday 6th September, you would be entitled to a bonus of FREE MasterCard ATM card loaded with min of N1,000. The ATM card can be activated instantly and used to withdraw money from any ATM machine in Nigeria, as well as used for online transactions.

I will also introduce you to a finance company where you can get up to 10 million naira collateral-free loan within 48hrs, should you want to scale up. T&C; apply.

To get started, text REG FirstName LastName 000418 to 20220
Example: REG Philip Obin 000418
Send SMS to 20220
SMS costs a one-off ten naira (N10) only!

If you have followed the instructions above, what you have done is that you have created (opened) a new bank account for yourself. The new bank account is known and called PocketMoni (PM) account, and your new account number is simply the phone number used in sending the SMS - which makes it easy to remember your new bank account.

The advantage of the new account is that it's a cross-bank account in that it can be funded (you make deposits) from virtually every other bank in Nigeria.

For example, you can walk into UBA, Access Bank, GTB, Zenith, FCMB and make deposit into your new PM account, unlike your regular GBT account that requires you to go to a GTB branch to make deposit.

You can also login to a web portal to view your PM account details, view your transactions, download your statement, etc. You can also dial a USSD code to view your balance and carry out transactions without Internet connection. You can also get an ATM card & link it to your PM account instantly.

Note that you registered with the code 000418 - which is my agent code, meaning that I will earn money each time you carryout transactions such as transfers, airtime/data purchase, bill payments, etc - for life!

If you have been following me on social media, you must have seen the following post on my timeline over and over. That's how I get min of 10 new users registering with my code everyday, and you can also do same and finally take advantage of your social media accounts, instead of just wasting time and money buying data:

"Open an instant bank account without BVN. Text "REG FirstName LastName 000418" to 20220. Example: REG Philip Obin 000418. Remember to send SMS to 20220. SMS costs N10"

This whole system is legal, secure and approved and regulated by the Central bank of Nigeria (CBN).

Isn't this interesting?

But what is Mobile Money?
Mobile payment, also referred to as mobile money, mobile money transfer, and mobile wallet generally refer to payment services operated under financial regulation and performed from or via a mobile device.

History of Mobile Money
In April 2007, following a student software development project from Kenya, Safaricom launched a new mobile phone-based payment and money transfer service, known as M-Pesa. The initial work of developing the product was given to a product and technology development company known as Sagentia.

Mobile money in Kenya
Kenya is the world leader in mobile money. For 47 million Kenyans, the cell phone is a wallet and bank account. They can get paid, transfer money, pay bills, withdraw cash and even make in-store purchases – no matter what handset.

Safaricom’s M-PESA service was the pioneer of mobile money in Kenya, and worldwide. Launched in 2007, M-PESA now has over 23 million subscribers, and today, one quarter of the 98 billion dollar economy in Kenya runs through M-PESA.

By the way, M-Pesa — the M stands for "mobile", while "pesa" means "money" in Swahili language.

Mobile Money in Nigeria
The CBN Cashless Policy was introduced in June 2012, to ensure individuals and corporates no longer make cash withdrawals above N500,000 and N3,000,000 per day, respectively.

The policy stipulates that any withdrawal exceeding above limits attracts 3% penalty on the excess for individuals or 5% for corporate organizations.

Ever since then, individuals and corporates have been positioning themselves to benefit from the policy, and you too can be one of them, just like I started since the year 2012 - 6 years ago!

To get your own Agent Code within 48hrs, simply pay a one-time agent enrollment fee of N10,000 to Philip Obin Stanbic IBTC Bank Acc no 0029441544 or click https://paystack.com/pay/eef to pay online, and send proof of payment to 08027196002.

After payment, you would also be added to my dedicated Mobile Money Training group where you will learn step by step guide on everything you need to kick-start and succeed as a Mobile Money Agent.

Philip Obin
Life and Business Coach,
MD/CEO, Potechng.com,
Founder,
Club080.com & Trenchat.com
Web: PhilipObin.com
Tel: 08027196002
WhatsApp: wa.me/2348027196002
Add: #20 Adeniran Ogunsanya, Surulere Lagos
#62 Marian Road, Calabar - Cross River State