This business area focuses on niche market services and products and leverages the licences and key skills that are available to the group. The core business strategy is a commitment to  designing and developing key financial products that provide relevant and progressive solutions to their specifically-identified target markets. Particularly strong is our focus on providing effective, practical and cost-effective financial services to Africa’s unbanked market.

This business area is also geared to provide financial products that facilitate greater market penetration within the group while stimulating the sales of products and services supplied by member companies.

This business area provides the group with robust cash flow, some of which is annuity based income.