Private Placement | Qualified Investors Only

Issued by NCDF Securities Limited

About Konto | Konto Financial Group

About Konto Financial Group

Konto is the financial-inclusion and digital-finance business within NCDF Group, pursuing a new growth phase from an existing operating foundation.

The business behind the transformation

Formerly Microfone, the predecessor business operated for more than four years and maintains four years of audited financial statements, according to management. Its activities included telecommunications, e-wallet-enabled fertiliser distribution and agent relationships. These records describe the earlier business rather than four years of new fintech performance.

Our Mission

Help people and enterprises access useful financial services through education, distribution and appropriate technology.

Our Vision

Build a commercially sustainable financial-access network with clear responsibilities and dependable customer support.

Build services around real customer needs

The strategy combines financial readiness, agent development, partner distribution and digital products. The group includes a fintech business, an agent-distribution business and an acquisition vehicle; proposed acquisitions are evaluated separately.

Connect inclusion with enterprise development

Konto focuses on customers, merchants and distribution. Other NCDF companies have different advisory, investment and capital-market roles. Group relationships do not transfer regulatory permissions or create automatic funding commitments.

Develop capability in stages

Membership and readiness

Engage participants and understand their needs.

Authorised partner activation

Define services and responsibilities before transactions begin.

Digital delivery

Release suitable technology as operating and support arrangements are ready.

Principles for the new business

Community relevance

Understand local needs and delivery conditions.

Agent capability

Assess active, suitable distribution relationships.

SME usefulness

Address practical business needs.

Partner-Clarity

Name the responsible provider for each product.

Evidence

Measure active use, retention and service economics.

Regulatory Discipline

Match activity to the applicable permissions.