Private Placement | Qualified Investors Only

Issued by NCDF Securities Limited

What We Do

We build the access layer between underserved communities and trusted financial services.

Konto combines membership, financial literacy, SME onboarding, agent readiness, merchant development, partner referrals, data intelligence and digital tools to support responsible financial inclusion.

Core Services Overview

Financial Inclusion Membership

Konto Access Membership helps individuals, households and communities join a structured financial inclusion network. Members receive financial literacy support, onboarding guidance, partner updates and future access to Konto digital tools.

SME & Merchant Access

Konto helps microbusinesses, traders, artisans and local merchants create business profiles, improve financial readiness and connect with partner opportunities.

Agent Readiness Programme

Konto identifies, screens and trains aspiring agents and community entrepreneurs before activation through approved partners or applicable regulatory arrangements.

Community Financial Literacy

Konto delivers financial literacy clinics and community programmes for markets, associations, cooperatives, schools, faith communities and local groups.

Partner Market Activation

Konto supports banks, fintechs, insurers, DFIs, NGOs and government programmes with responsible last-mile onboarding, agent recruitment, merchant mapping and community engagement.

Data & Inclusion Insights

Konto develops consent-based, anonymised and aggregated market intelligence to help institutions understand underserved communities, SME clusters and agent-network opportunities.

How Konto Works

We Organise the Market

We onboard members, SMEs, agents, merchants and community groups into a trusted financial inclusion network.

We Educate and Prepare

We provide financial literacy, agent training, SME readiness support and compliance orientation.

We Verify and Structure

We build profiles, collect consent-based data, map communities and prepare participants for responsible financial engagement.

We Connect to Partners

We connect eligible members, agents, merchants and SMEs to licensed financial service partners and approved programmes.

We Digitise the Relationship

Through the Konto app and digital tools, we support ongoing engagement, reporting, education, partner referrals and future transaction enablement.