KEGOW is Driving Financial Inclusion in Nigeria

Kegow mobile banking app

KEGOW mobile banking app is powered by Chamsmobile Limited, a technology company licensed by the Central Bank of Nigeria to provide mobile money and agency banking services. The KEGOW wallet is targeted at bridging the financial gap for the unbanked and underbanked Nigerians. KEGOW is achieving this goal by providing robust financial services in three (3) wallet types – individual, agent and business.

KEGOW Individual Wallet 

The individual wallet is target at meeting the personal financial needs of Nigerian adults. The financial services rendered by the individual wallet include fund transfer, data bundle purchase, airtime recharge, bills payment and cable TV subscription.

kegow digital banking app

One of the ways which KEGOW Individual Wallet solves the challenge of the unbanked is to make the account opening process as seamless as possible.

Being a Mobile Money Operator (MMO) licensed by the the CBN, KEGOW allows users to create a wallet without providing BVN or other documents often required by the banks for a Tier 1 account opening. Users can always upgrade wallets to tiers 2 and 3 by providing the necessary documents. Click here to download the KEGOW Individual Wallet.

In terms of charges, users are exempted from paying fees like maintenance costs, and transfers between KEGOW wallets are free. Transactional fees on transfers from KEGOW wallet to other bank accounts are significantly low, compared to the rate charged by traditional banks.

KEGOW Agent Wallet 

KEGOW Agent Wallet is taking the banks to the doorsteps of the underbanked by equipping agents who become branchless banks to individuals within their vicinity. A unique advantage this offers users is that the KEGOW agents are neighbours, family members and friends of the rural dwellers. This largely helps to solve the trust issues often encountered with rural dwellers. Click here to become a KEGOW agent.

KEGOW Business Wallet 

Small and medium businesses are not left out in KEGOW’s drive for financial inclusion. KEGOW business wallet caters for SMEs and NGOs. The wallet allows them to manage cash disbursement at very low charges. The wallet also enables SMEs to easily manage treasury, invoicing, human resources, payroll, and payment schedule free of charge. We also provide a platform for investment opportunities that can help these businesses scale and expand. Click here to download the KEGOW Business Wallet. 

Join the Mobile Banking Force and Make an Impact

We’re recruiting a force to help us bridge the gap in the availability of financial services to bankable Nigerian adults.

Click here to become a KEGOW agent.

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Akinsanmi Adeleke

Business Mngr. and Enterprise Solution

Akinsanmi is a high-performing operations-management executive with expertise in optimizing organizational processes through system automation. His career accomplishments consist of more than 10 years of experience implementing technology projects, developing product requirements, and analysing support strategies and processes to facilitate improved operations and efficiency. A proficient problem-solver who designs solutions and assists developers with issues by envisioning business and technical perspectives to a problem. When it comes to completing a job from start to finish, the value of clarity and good communication can’t be overstated, his superior communication and problem-solving skills allow him to excel in driving teams through all facets of project life cycles and realizing improved efficiency and productivity.

Grown through the ranks at Chams PLC, starting as Biometric Technology Support, Database Administrator, and presently a Business Manager, he has efficiently led diverse teams to oversee, manage and successfully deliver a number of technology change management projects for both government and private clients. Applying strong relationship and stakeholder management skills, he has ensured the utmost satisfaction of all clients. His expertise, experience, and achievement across projects includes Business Analysis, Process Improvement/Automation, Open Source Development, ERP, HR and Payroll Automation and Auditing, Data Analysis, Public Financial Management Automation.

Reinforcing his experience are credentials that include a Master’s Degree in Information Technology from the prestigious University of Lagos, as well as various other professional certifications including Certified Business Analyst from Imarticus Learning in India, Oracle Certified Professional, Microsoft Certified Technology Specialist and a recognised Odoo Partner.

Babatope Olulode

Head of Sales, VOTA & I’m Alive

Babatope Olulode is the Assistant General Manager, Sales. He works primarily on VOTA and I’m Alive Solutions for the Company. With working experience in a vast variety of industries in Nigeria and the United States, he leads the sales effort to ensure that Chamsmobile products are highly sought after and exceed the expectations of our clients.

Prior to Chamsmobile, Tope worked at NETCOM Africa and was on the Board of Management of John Holt PLC as General Manager overseeing assets worth over N10 Billion. He also worked in Logistics as the Chief Operating Officer of CFL Logistics and Head, Business Development at Flux Logistics, a member of the Superflux Group. He was appointed as MD/CEO of Sattrak Telematics in 2008 after working with Nextzon Business Services, a firm providing Business advisory, venture financing and management, outsourcing and consulting services. In the United States, he joined AWABCO as a Manager and later JWB Ventures as General Manager after receiving a 98.5% score in serve-safe certification.

A multi-disciplinary and lifelong learner, Tope holds a Bachelor of Technology Degree from the Ladoke Akintola University of Technology Ogbomoso, and is a member of the American Marketing Association AMA. He earned an MBA from the Louisiana State University in 2004 and was awarded the Don Wilcox Scholarship for Outstanding Academic Performance. He’s an avid Film critic and loves to travel.

Kayode Akomolafe

Executive Director

Kayode Akomolafe is the Executive Director, Chamsmobile. Before his appointment, he was the Chief Operating Officer, Chams Plc. He is an accomplished professional in project management with over 20years experience in diverse field which include Identity management, solution design, system architect, customer service, IT operations and infrastructure.

Sequel to joining Chams Plc in 2008, Kayode worked with Aeriel Link Communications, a public relation outfit in Lagos as Business Development executive and Mr Biggs Division of UAC as Operations Auditors and Compliance Manager. He has managed and led different teams to deliver several projects for federal, state and private institutions out of which are ChamsCity digital mall that got the Guinness world record, NCC SIM registration, Nigeria Airforce identity management and staff audit, Nigeria Custom identity management system, Osun state staff audit, including human resources and payroll solution, and the famous national identity project with NIMC.

He holds a Bachelor of Technology from Federal University of Technology Akure, a Master’s Degree in Information System Technology from University of Liverpool, UK and an Executive MBA from Lagos Business school. He is an Alumni of Nanyang Business School, Singapore. He is a certified Scrum Master, a Professional Member of British Project Professional Society, Scrum Alliance USA and Agile Practitioners Association of Nigeria.


Mayowa Olaniyan

CEO/Managing Director

Mayowa Olaniyan is a finance and management expert. She is the Managing Director and Chief Executive Officer of Chamsmobile Limited, an associate company of Nigeria’s long-standing indigenous technology company, Chams Plc.

Mayowa’s managerial and strategy expertise is sought after in the corporate sector. With an accomplished career of over 27 years that spans across finance, audit, automobile, and technology, Mayowa is a thoroughbred professional and resilient administrator whose business leadership is well recognized among C-Level Executives, Board of directors, Regulatory Authorities and other key Stakeholders for the many outstanding performances in delivering company’s business and financial objectives.

Until her appointment as MD/CEO of Chamsmobile, Mayowa oversaw Chams Plc’s finance, strategy and services as Executive Director. In this role, she led the refinancing of Chamsmobile and reengineered the company’s mobile money operations and positioned same to play alongside other big leagues in the industry and also drove the financial and business strategy that shot the Chams group back to profitability. Prior to that role, she served as the Chief Strategist and Financial Officer.

A chartered accountant of repute, a Fellow of the Institute of Chartered Accountants of Nigeria (FCA) and Fellow of Chartered Certified Accountants (FCCA), global body for professional Accountants, Mayowa holds an MBA from Edinburgh Business School, Heriot-Watt University, UK.

She has a degree in Applied Accounting and post graduate diploma from Oxford Brooks University, UK. She is an alumna of NANYANG Technology University, Singapore and the prestigious Pan Atlantic University (Lagos Business School), Nigeria.