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Digital finance services are designed for people with a relatively high income and salaries, who have specific financial needs that differ from low-income households. People with low-income have volantile incomes and expenditures, and have more variable financial needs that need complex financial management techniques.


Provide an electronic micro bank account with no monthly maintenance fee, no monthly service fee, no minimum balance and no deposit required to offer two types of personal accounts. Naa sika also combines a wallet with saving accounts.


Low-Income earners like smallholder farmers, traders, students, etc


Ralph Menz


I am an engineer, multimedia technologist, and a seasoned professional photographer.
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