M-NAIRA is an innovative mobile money and payments solution which converts any mobile phone to a micro bank for the unbanked. The new mobile savings and payment system is based on scratch cards and enabled by any SMS enabled mobile phone. M-NAIRA is a tool for financial inclusion and mobile payments ecosystem. M-NAIRA allows you to make transactions simply and securely in a few seconds by using SMS technology. M-NAIRA objective is to enable the un-banked… Show more M-NAIRA is an innovative mobile money and payments solution which converts any mobile phone to a micro bank for the unbanked. The new mobile savings and payment system is based on scratch cards and enabled by any SMS enabled mobile phone. M-NAIRA is a tool for financial inclusion and mobile payments ecosystem. M-NAIRA allows you to make transactions simply and securely in a few seconds by using SMS technology. M-NAIRA objective is to enable the un-banked to perform basic banking transactions, in a convenient, reliable, fast, safe and secure manner without visiting the banking hall in line with the Central Bank of Nigeria's Payment Systems Vision 2020, using tested technology from E-soft Solutions Ltd, one of the world's largest mobile money Technology providers. M-NAIRA is an ecosystem that allows all citizens to participate in the growth and development trajectory of the economy. Show less