WALLETMONIE SERVICES

WalletMonie offer a lot of services to provide customers with convenient ways to manage their finances, conduct transactions, and access account information without the need to visit a physical bank branch. Here are some common features and services offered by wallet monie:

a. Mobile Recharge: Users can use Wallet monie to recharge their mobile phone credits, allowing them to top up their airtime without needing to visit a physical store.
b. Loan Services: Users can be able to access loan services through their Wallet monie account. This could include personal loans, business loans, or short-term credit.
c. Bank Account Linking: Walletmonie offers the option to link your bank account to your Wallet monie wallet. This allows you to move money between your bank account and Wallet monie wallet, providing more flexibility for managing your funds.
d. Account Information: Customers can view their account balances, transaction history, and account details in real-time. This helps you keep track of your financial activities.
e. Fund Transfers: Wallet monie allows customers to transfer money between their own accounts, as well as to other accounts within the same bank or to accounts at different banks. This includes one-time transfers, recurring transfers, and scheduled transfers.
f. Bill Payment: with wallet monie, customers can pay their bills online, including utilities, credit card bills, loan payments, and other recurring expenses. They can set up automated payments or make one-time payments.
g. Account Alerts and Notifications: Customers can set up alerts and notifications for various account activities, such as low balance alerts, large transactions, or account login notifications.
h. Online Statements: Instead of receiving paper statements, customers can access electronic account statements online, which are often more environmentally friendly and easier to organize.
i. Account Management: Customers can manage account settings, update personal information, change passwords, and customize their wallet monie experience.
j. Mobile Banking Apps: WalletMonie provides mobile applications that allow customers to access banking services from their smartphones and tablets. We have features like fingerprint or facial recognition login for added security.
k. Money Management Tools: WalletMonie offers some tools to help customers budget, track spending, and set financial goals.
l. Customer Support: our WalletMonie platform provides customer support through online chat, email, or phone to assist customers with any issues or questions they may have.
m. Security Measures: WalletMonie services employ security features such as multi-factor authentication, encryption, and fraud detection to ensure the safety of customer data and transactions.

STUDENTS LOAN/GRANT
WalletMonie also integrated the student loan/grant process with our online banking service, so that students can have a streamlined, user-friendly experience. This is to empower students to take control of their education finances. On wallet monie, you can make an online application for the loan/grant through our user-friendly platform, upload required documents, such as proof of enrollment, income statements, and identification, directly to our online platform. After the verification process, the students would be presented with various loan and grant options based on their eligibility and financial need. They could customize the loan terms, such as repayment duration and interest rates, to fit their preferences. And wallet monie will also help them to manage their loans.

BUSINESS CONSULTING
WalletMonie provides business consulting as an online bank service, and we offer entrepreneurs and small business owners valuable insights and guidance to help them make informed financial decisions and grow their businesses. WalletMonie features a dedicated section for business consulting services, and you can get business consultants who specialize in various industries and aspects of business management to schedule virtual consultations. You can provide details about your business, goals, challenges, and the specific areas you need assistance with. The consultants would review the provided information before the consultation to better understand the business's needs and tailor their advice accordingly. Virtual consultations could be conducted through video calls, phone calls, or even chat-based interactions, depending on the preference of the business owner and the complexity of the consultation.

FINANCIAL SERVICES
WalletMonie offers a wide range of financial services that allow users to manage their finances and conduct various transactions from the convenience of their computer or mobile device. Here are some common financial services we provid:
a. Account Management: WalletMonie allows users to view account balances, transaction histories, and account details. They can also link multiple accounts, such as savings, checking, and credit card accounts, for easy management.
b. Funds Transfer: WalletMonie allows users to transfer money between their own accounts, as well as to external accounts. This includes transferring funds to pay bills, make loan payments, or send money to friends and family.
c. Bill Payment: Users can pay their bills online, scheduling one-time or recurring payments for utilities, credit cards, loans, and other regular expenses.
d. Alerts and Notifications: Users can set up alerts and notifications to receive updates about account activity, such as large transactions, low balances, or bill due dates.
e. E-statements and Document Storage: Instead of receiving paper statements, wallet monie allows users to access electronic statements (e-statements) and store important financial documents securely online. f. Customer Support: wallet monie offers customer support through live chat, email, or phone, allowing users to get assistance with their banking needs.
g. Investment Services: wallet monie provides access to investment accounts, allowing users to buy and sell stocks, bonds, mutual funds, and other securities online.
h. Secure Messaging: Users can communicate securely with their bank through the online banking platform, addressing inquiries or concerns. i. Security Features: wallet monie has robust security measures to protect user information and transactions. These may include two-factor authentication, biometric login, and encryption.

VIRTUAL CARD ISSUANCE
WalletMonie provides virtual payment cards that can be used for online transactions without the need for a physical card. These virtual cards are typically generated and managed through the wallet monie platform. Here's how a virtual card issuance service works and its benefits: Users can request the creation of a virtual card on wallet monie by selecting the desired account, specifying the card type (debit or credit), and the virtual cards will be generated instantly. Once created, the card details (card number, expiration date, CVV) are displayed on the wallet monie platform. The users can use the virtual card details to make online purchases, subscriptions, and other digital transactions. The virtual card functions similarly to a physical card, but without the need to carry a physical card.

These virtual cards from wallet monie are often designed with enhanced security features. They can be temporarily or permanently blocked to reduce the risk of fraud if the card details are compromised. Benefits of wallet monie virtual cards
a. Security: Virtual cards are important because it offers enhanced security for online transactions. Since they are not physical cards, the risk of card theft, skimming, or loss is minimized.
b. Convenience: Customers can create and manage virtual cards from the comfort of their online banking account or mobile app, eliminating the need to visit a bank branch.
c. Budgeting: Virtual cards can be set up with spending limits, helping customers stick to their budgets and avoid overspending.
d. Privacy: Virtual cards can be used for online purchases without revealing the customer's actual credit or debit card details to merchants, enhancing privacy.
e. Compatibility: Virtual cards can often be used for international transactions, just like physical cards, making them suitable for cross-border online shopping.
f. Instant Access: Virtual cards can be created instantly, providing customers with immediate access to payment methods for online purchases.
g. Reduced Clutter: Virtual cards eliminate the need for physical card storage and reduce the clutter of carrying multiple cards.

LENDING AND PROCUREMENT
WalletMonie offers lending and procurement services. Lending and procurement are two distinct aspects which involves financial services for both individuals and businesses. Both lending and procurement services offered on wallet monie aims to provide convenience, efficiency, and accessibility to customers and businesses.

The lending services offered through wallet monie provides customers with access to various types of loans, credit products, and financing solutions including
a. Personal Loans: customers can apply for personal loans online, providing information about their financial situation and credit history. We will assess the application and may offer competitive interest rates and flexible repayment terms.
b. Mortgages: wallet monie often offer mortgage services, allowing customers to apply for home loans, compare mortgage rates, and manage their mortgage accounts online.
c. Auto Loans: Customers can apply for auto loans on wallet monie to finance the purchase of a vehicle. The loan terms, interest rates, and monthly payments are typically provided upfront.
d. Small Business Loans: wallet monie also offers lending solutions for small businesses, including term loans, working capital loans, and equipment financing.
e. Credit Cards: wallet monie provides access to credit card services, allowing customers to apply for credit cards, manage their card accounts, and make payments online.
f. Digital Loan Application: wallet monie offers streamlined digital loan application processes, reducing paperwork and providing faster approval times.

Procurement Services:
WalletMonie also offers procurement services to facilitate purchasing goods and services for businesses. Wallet monie also allows for digital payments, such as electronic fund transfers and online bill payments, which are essential for managing procurement transactions.