About Osb Savings & Loans

We care about your spending habits. We intend on making you financially
free and we intend to be the best. It’s all love from Osb.ng ❤️

Why we started our company Osb.ng?

According to the Global Findex Database 2017 (World Bank), 1.7 billion adults globally have been categorized as “unbanked”. Of these 1.7 billion demographic, women are overrepresented. In the Nigerian economy alone, over half or more of the adults are unbanked.

This category of individuals do not own a bank account and beyond owning an account, they lack the financial literacy required to operate one. These individuals have no (or restricted) access to financial services such as savings and loans, and predominantly rely on a cash-based economy.

Our Solution.

Osb is solving the problem of financial inclusion in Africa, beginning with Nigeria. The model being deployed by Osemo Borealis is the creation of a savings and loans platform enabled by technology which provides standard banking offerings to the unbanked in an accessible and affordable manner.

Majority of users of this platform are market women in the financially excluded sectors of Nigeria who do not have the knowledge and resources (capital or collateral) required to obtain loans or overdrafts from standard financial institutions.

To further encourage owning of bank accounts, Osb recently partnered with Wema Bank PLC and First City Monument Bank (FCMB), one of the leading banks in Nigeria to distribute an innovative SME banking solution coupled with instant credits to its customers.

We are Building an Economy
for the Un-banked and Under-banked

Our approach involves providing non-collateral based credit
to under-banked small businesses within the sub sahara region.


Digitalized Ajo

Deposit money, keep it safe, and withdraw funds anytime.


Private Banking

Personal savings account to manage all your finances.


USSD Transaction

Transact on the go with our fast USSD banking.


Wallet Infrastructure

Sub accounts for your customers to pay small small.
Suitable for fintechs, cooperatives, and SMEs.


Customer Loan

Loan to help develop customer financial capacity.


Instant Credit

Get instant SMS for transparent transactions.

Expert team members

We are here to help you and give you
the best support for your financial growth.

Anthony Uagboe


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Zenith Bank - Corporate Banking
Santander Bank, UK - Personal Banking
Country Manager - Kings & Goodman Ltd.
Country Coordinator - Ducere Foundation, Australia
MSc. Strategy and Economics - Uni. of St. Andrews UK.
Harambean Fellow

Peter Kirui


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David Ogundeko

Strategy & Growth

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Chuka Anene

Chief Technical Officer

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Charles Uagboe


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Rasmus Eland


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What our customers
are testifying about us

With a growing happy customer base of 7000+ micro-businesses carrying out basic
SME financial services such as savings and loans saying thank you to Osb

Before now, i no get any person to help me with money for my market, but since Osb meet me, i don dey get easy money wey i fit take do market.

Mama Matthew

Life has been tough since before i met Osb.

Evelyn Goodman

For me, Osb is a great deal of comfort.

Emeka Onuora