MobileWorld:
What is 3line card management all about?

3line card Management Company is an e-payment solutions company that offers end-to-end card product solutions to various sectors of the economy.

MobileWorld:
Can you tell us about the Freedom Card Brand

The Freedom card brand is at the core of 3line value proposition and offering. It is the flagship for 3line products.

Freedom card brand Essence is borne out of a strong philosophy that for every human being choice is the most desirable form of Freedom… choice of location, achievement, lifestyle, convenience, security etc. People are simply desirous to live truly free. The brand has therefore positioned itself as an enabler for achieving this aspiration of the innate desire for Freedom.

Freedom card brand posture therefore resonates this attribute inside out, from our work culture to our various product offerings. We see ourselves as Freedom ‘fighters’ whose ambition is to bring exciting lifestyle experience to Nigerians through innovative and cutting edge products that truly enables them achieve more, do more, believe more in themselves ……especially those excluded from access to financial services and products.

Freedom card believes that there are limitless possibilities and that by being non-conformist, we can question the status quo and discover hitherto unconceivable solutions to make everyday life more fun filled and colorful, exciting and vibrant.

It is in line with the above brand essence that our products and services seeks to address every aspect of daily lives of Nigerians with a view to enabling them live truly free using the  e-payment platform, while forging deep connection with the Nigerian culture.

MobileWorld:
There are numbers of electronic payment switches why is 3line joining an industry where competition seems very strong?

Yes the industry already has a lot of strong players participating at various levels from infrastructure provision to card issuance and switching. However, the economy is still grossly underserved. Arguably, 70% of Nigerians are still cut off from basic financial services. This is why our primary focus as a company is not just infrastructure deployment but rather crafting solutions that takes advantage of existing structures and delivers direct financial services to the underserved population. We are very optimistic that servicing this community of users is an enormous task that yet promises to be very rewarding. Indeed, we are championing a new service provision industry that delivers the promise of freedom and emancipation to the financially neglected.

MobileWorld:
What unique services are you offering to the market?

As i mentioned earlier we are offering uniqueness by recognising the prevalent payment needs and positioning as the choice facilitator for such payments that take place informally and outside the banking system. Our aim is to bring unbanked cash into the system. We commit ourselves to bringing the bank to the unbanked without necessarily bringing the unbanked to the bank. This we believe should be the objective of every player in this industry.

 MobileWorld:
Are there any challenges you are facing in delivering best services customers and how do you manage them?

The challenges are very similar to what they used to be a decade ago but times are changing. These border on level of e-payment awareness in Nigeria which also borders on the general level of literacy in the society. One possible remedy to this is to consciously simplify the processes involved in executing transactions and empower people to transact with technologies with which they are already familiar. Infrastructure is also a major challenge but the advent of new technologies like the GSM and related services have alleviated this a little bit. Lastly, regualtory framework for e-payment is yet rudimentary for sustainable growth and truely healthy competition in the industry. Suffice to say that the journey is still very long for us as a nation.

MobileWorld:
Can you explain your partners both locally and internationally?

We have carefully chosen to partner with companies that have a long term plan for electronic payment service provison. This has guided the relationships we have engaged in both locally and internationally. Credibility of such companies is also a key decision factor for us. Our major international partners have executed projects for governments and large multinationals and are hence enriched with the level of experience that is able to facilitate our smooth operations. Also locally we have chosen partners that are strong players in the Nigerian economy.

MobileWorld:

What is the future of e-payment in Nigeria?

The future is very bright for electronic payment in Nigerian. We are fast developing at a rate that is faster than many of our peer counries. We are usually one of the earliest adopters of new technologies, we are blessed with highly innovative enterpreneurs that are not afraid to invest in capacity buiding for e-payment services and the upcoming generation is already several steps ahead of their time. I foresee a time when locally crafted e-payment solutions will be exported to other developing economies especially the West African subregion. It is already happening and can only get better.

MobileWorld:

Where will 3line card management be in the next five years?

Our visions are quite extensive and very broad. We plan to be the employer of choice in the area of human capital development. We also plan to have touched the lives of more Nigerians than anyone else in our industry through our products and services. For us, the next five years promises to be very exciting and full of rewarding activities.

MobileWorld:

What are your plans for future expansion?

This question is closely related to the last one. Our technology is scalable and robust hence will be able to accommodate our projected growth. Our business objectives are also as expansive as the number of unbanked Nigerians in need of freedom. Our brand resonates through the culture and fibre of the Nigerian life style. Indeed expansion was planned into our growth right from inception of the company.