Economic and social inclusiveness thanks to our digital service offerings

Participate in economic and social promotion through listening and innovation.


of customers use a bank mobility solution

27% in 2021
14% in 2020
75% in 2019


financial Inclusion Rate in Africa

63,8% in 2021
60% in 2020
57.1% in 2019


greater Bankruptcy Rate in Africa

39,8% in 2021
40% in 2020
41.1% in 2019


mobile phone penetration rates in Africa

48% in 2021
46% in 2020
44% in 2019

Client Empowerment

The Digital Bank
Orabank is committed to providing a comprehensive digital offer that empowers customers in their relationship with the bank. Orabank is implementing a digital policy aimed not only at meeting the needs of an increasingly connected, mobile and greedy clientele of innovative banking and financial services, but also at penetrating new niches of unbanked customers.
Today, it is a matter of leading the service to the customer; he no longer systematically moves to the agencies and expects to be able to have the services from where he is, from the moment he has an internet connection. In September 2020, Orabank Benin dematerialized the bank statement. The subsidiary will no longer issue monthly bank statements in paper form, but only in digital form. In Togo, Orabank and Togocom will launch Mbanking, a service that will allow users to transfer funds from the bank to a mobile wallet and vice versa. In July 2021, Western Union is launching the app in Mali, which allows users to send money around the world directly from their cell phones, in partnership with Orabank.
In November 2021, Orabank Côte d’Ivoire and Wave Côte d’Ivoire signed a partnership agreement to establish the terms and conditions for the distribution of electronic money issued by Orabank through the provision of Wave Services to customers.

Social inclusion

ODD 8.3
Inclusive Digitalization
Orabank is committed to banking African populations for social inclusion Digitalization is a lever for growth to collect more deposits and the Orabank Group wants to take an important position in the banking and financing of economies in sub-Saharan Africa by being a citizen and responsible economic player. As large populations are still far from our services, the Orabank Group must promote economic and financial integration, thanks to new technologies that are rooted in long-term usage.
The deployment of the digitalization strategy allows us to reach a wider target while diversifying our sources of revenue. In the sub-Saharan region, we can expect a major surge in financialization via mobile. We position ourselves on this new customer segment with more suitable products. Orabank’s strategic ambition is to build a profitable, efficient group that serves a clientele for whom it can find innovative solutions, including those with lower incomes, and where it is good to work. Through our funding, we are more interested in contributing to the creation of local wealth and jobs.
The first phase of digitalization began in Togo with the launch of the omnichannel platform called KEAZ. It offers a range of online banking products for customers of individuals and companies, but also offers a mobile app and a platform from Agency Banking for distributors or sub-agents. The mobile app “My KEAZ” is available on Apple and Google Play blinds but also has a USSD interface for non-smartphone phones. Orabank Togo has launched the Student Package which is an all-in-one set of products and services for students living in Togo and attending a local university or school. The Student Package is composed of the following products: a simple savings account, a Visa Keaz card, SMS Banking, a Visa Keaz card, SMS Banking, e-statement and access to the My KEAZ application.
Orabank Togo is in partnership with the National Fund for Inclusive Finance (FNFI). This partnership has allowed them to benefit from up to 5,000,000 FCFA for large investments, and to immediately mark their passage into the conventional banking system. In 2021, the cell phone operator Moov Africa in collaboration with Orabank Chad launched a service that gives Orabank customers the possibility to buy smartphones on credit, from a wide range of devices offered by Moov Africa. In 2022, Orabank Côte d’Ivoire, in collaboration with the commune of Plateau, launched its “Plateau Access” bank card, which aims to digitalize the services of the Plateau town hall and related activities.
KEAZ and KEAZ PRO, respectively intended for retail customers and professionals will gradually replace Ora@net. The KEAZ brand was launched in Togo in 2019.
Orabank’s My KEAZ mobile app replaces Oramobile. The product deployment will be finalized in all 12 countries of the group in 2020.
The FREEDOM card is a Visa Electron prepaid debit card rechargeable by cash deposits, check or bank transfer to Orabank agencies.
In our group, information security is part of a business risk management approach and is one of the major vehicles for our commitments to our stakeholders. It’s also everyone’s business !
Salif SOW
Director of Information Systems

Computer security

Orabank is committed to ensuring a high level of security, reliability of systems and stored information. In an increasingly constraining legal, regulatory and contractual environment and in the face of cyber-crime threats, the security and availability of the Group’s information heritage and underlying information systems are becoming strategic for the Group’s performance.
The Group must be able to guarantee its shareholders, customers and employees the security and reliability of its systems while maintaining the agility necessary for its development. In order to meet these challenges, the Orabank Group has developed an Information Systems Security Policy that is applicable to all Group entities and allows for a consolidated common vision of the security of our assets.
This policy is part of the Group’s approach to managing operational risks. It is a strategic issue for our Group and is one of the major vehicles for meeting our commitments. It gives rise to thematic policies and guidelines that set the rules for functional safety. All the Group’s staff are therefore mobilized and committed to supporting the security policy and to ensuring the continuous improvement of the processes resulting from it. In addition, some of the Group’s entities have launched operations to make their databases more reliable. For example, Orabank Togo has launched a vast operation to update the personal and non-financial data of all its customers in order to improve its services.