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  • This week · 6
  • This quarter · 10
  • Big bets · 3
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Generated Oct 22, 2026
  1. Programmable
  2. Playbooks
  3. Moniepoint
Moniepoint logo

growth playbook · Oct 22, 2026

moniepoint.com (opens in a new tab)

Moniepoint growth playbook

Diagnosis

Moniepoint is Nigeria's largest merchant acquirer and a unicorn with more than $200 million in Series C backing.

Its hiring maps the next stage: analytics managers to own CAC per channel and funnel metrics, a rewards platform to grow beyond cashback for 23 million users and the sales network, Field Sales Leads for Moniebook, regional marketers and a creative team, credit and terminal-recovery leaders, and a Kenya launch after buying Sumac.

The website every new ad lands on fails all three Core Web Vitals for real visitors. This playbook fixes speed and measurement first, then targets rewards, agent incentives, credit readiness and Braze journeys, Kenya founding merchants and MonieWorld referrals, with merchant-funded offers, a market-entry kit and diaspora products as big bets.

Growth Score

7/10

Biggest Opportunity

Use the network Moniepoint already owns (POS merchants, 50,000 sales agents and 23 million users) to cross-sell Moniebook, credit and rewards, and to seed Kenya and the diaspora corridor.

Biggest Risk

OPay, PalmPay and Kuda compete hard for the same consumers and merchants, LemFi and others for the UK corridor, and a slow site and unmeasured channels make growth more expensive.

01

Start here

The three moves to make first. Each one is written up in full below.

  1. 1

    Fix the site that every new ad sends people to: it fails all three Core Web Vitals for real visitors

    Set cache headers on static assets today.

    High impact First result in 1 month
  2. 2

    Name every button and fix low-contrast text

    List unlabelled buttons on the homepage.

    Medium impact First result in 1 week
  3. 3

    One CAC-per-channel table that marketing, field sales and regional teams all use

    Agree the definition of an acquired customer per product.

    High impact First result in 1 month

02

Your idea portfolio

21 ideas, grouped by when to run them. Open any idea for how to run it: the steps, who to approach, copy you can use, and how to measure it.

  • 8 ideas are marked Unexpected: plays you are unlikely to have tried.

Every idea placed by the effort it takes against the impact it could have. Quick wins sit top left; select a number to open that idea. The filters below narrow the list by status, timing, category and what Programmable can build.

Effort vs impactEach number is an idea. Select one to open it.
Impact →
Quick wins · 2Big bets · 12Fill-ins · 4Reconsider · 3
Effort →

Showing 21 of 21 ideas

This week 6

Quick wins with a clear first action.

  • 01

    Moniepoint is hiring Analytics Managers to find "our actual CAC per channel" and a Copywriter to write Google, Meta and TikTok ads. Those ads land on moniepoint.com, where real visitors wait 4.9 seconds for the main content, taps take 699 ms to respond and the layout jumps (CLS 0.25): it fails all three Core Web Vitals, and LCP is 15% slower than a year ago. In Google's phone test the headline takes 13 seconds on a mid-range connection, the kind most Nigerian customers use.

    High impactMedium effort First result in 1 month Web Engineering Lead

    First action

    Set cache headers on static assets today.

    How to measure it

    Field LCP, INP and CLS all passing

    Now
    –
    Target
    LCP < 2.5 s, INP < 200 ms, CLS < 0.1
    By
    90 days

    Steps

    1. 1

      Baseline

      Sign-up starts by channel today.

      Analytics Manager, Marketing & Sales 2 days

    2. 2

      Cache static files

      Long cache lifetimes.

      Web Engineering Lead 1 day

    3. 3

      Cut JavaScript

      Remove unused code; delay tags.

      Web Engineering Lead 1 week

    4. 4

      Fix images

      Sizes, formats, reserved space.

      Web Engineering Lead 3 days

    5. 5

      Text headline

      Render without waiting for scripts.

      Web Engineering Lead 1 day

    6. 6

      Audit tags

      Keep only tags with an owner.

      Marketing Technology Lead 1 week

    7. 7

      Measure

      Field data and sign-ups monthly.

      Analytics Manager, Marketing & Sales monthly

    First result
    1 month
    Cost
    Engineering time
    Owner
    Web Engineering Lead

    Smallest test

    Ship cache headers and image fixes and retest PageSpeed in a day.

    Why it works

    Take the three fixes PageSpeed measures first: set long cache lifetimes on static files (about 1.7 s), remove unused JavaScript and load tags after the page (about 1.5 s; Google Tag Manager and Facebook alone add 650 KB), and serve right-sized images with reserved space (about 0.9 s and the layout shift). Render the headline as text immediately. Then measure sign-up starts from paid traffic before and after.

    Every second of load on mobile data loses visitors before they see the offer, so the same ad budget buys more sign-ups. A faster site also lowers the CAC the new analytics team will report.

    Ready to use

    ChecklistCore Web Vitals fix list

    [ ] Long cache lifetimes on static files
    [ ] Unused JavaScript removed
    [ ] Tags loaded after the page
    [ ] Images sized, compressed, space reserved
    [ ] Headline rendered as text
    [ ] Buttons given accessible names
    [ ] Field data tracked monthly
    [ ] Paid sign-up rate compared before and after

    Risks and how to handle them

    • Removing tags breaks tracking

      Move tags to server-side events before removing them.

    • Design changes resisted

      Keep the design; change how it loads.

    Evidence

    • Google PageSpeedmoniepoint.com (tested October 21, 2026): mobile score 54, desktop 64; in Google's phone test the main headline appears after 13.2 s. Real visitors fail all three Core Web Vitals: LCP 4.9 s (good is under 2.5 s), INP 699 ms (good is under 200 ms), CLS 0.25 (good is under 0.1); across the whole site LCP is 15% slower than a year ago. The page loads 2 MB in 124 requests, 1.1 MB of it JavaScript and 901 KB from third parties (Google Tag Manager 383 KB, Facebook 266 KB). Biggest fixes: cache lifetimes (about 1.7 s), unused JavaScript (about 1.5 s), image delivery (about 0.9 s). Accessibility 83: buttons without accessible names and low-contrast text.Source
    • HiringAnalytics Manager, Marketing & Sales (London, Spain, Poland and Portugal; posted July to September 2026, still open October 21): owns "metrics, measurement, experimentation" for "acquisition, conversion, activation, retention, and revenue", starting with questions such as "What is our actual CAC per channel?" and "What products cause the biggest incremental engagement?"Source
    • HiringMarketing hiring: a Regional Marketing Specialist for the North East (Gombe, posted August 19, 2026) running neighbourhood "storming" activations, local radio and billboards, tracking "Cost Per Acquisition" for every regional activity and building ties with traditional rulers and trade unions; a Copywriter (updated October 16) for app, CRM, OOH, TV, radio and performance ads on Google, Meta, TikTok and LinkedIn; an Illustrator.Source
    • HiringMoniepoint's description in current posts: "Africa's all-in-one financial platform, helping 20 million businesses and individuals access seamless payments, banking, credit, cross-border, and business management tools each month"; "Nigeria's largest merchant acquirer"; "over $250 billion in digital payment transaction value annually".Source
  • 02

    PageSpeed scores accessibility at 83: buttons and links have no accessible names, and some text fails contrast. Many customers use small, older phones in bright light.

    Medium impactLow effort First result in 1 week Web Engineering Lead

    First action

    List unlabelled buttons on the homepage.

    How to measure it

    Lighthouse accessibility

    Now
    –
    Target
    95+
    By
    30 days

    Steps

    1. 1

      Audit

      Homepage and top /ng pages.

      Web Engineering Lead 1 day

    2. 2

      Label buttons

      Accessible names.

      Web Engineering Lead 1 day

    3. 3

      Fix contrast

      WCAG AA.

      Product Designer 1 day

    4. 4

      Heading order

      Sequential.

      Web Engineering Lead 2 hours

    5. 5

      Retest

      Lighthouse.

      Web Engineering Lead 1 hour

    6. 6

      Add to checks

      Release checklist.

      Web Engineering Lead 1 day

    First result
    1 week
    Cost
    $0
    Owner
    Web Engineering Lead

    Smallest test

    Fix the homepage buttons today.

    Why it works

    Add labels to every icon button and link, raise text contrast to WCAG AA, and fix heading order on the homepage and /ng product pages.

    Readable, labelled controls help everyone sign up and support screen readers and voice tools.

    Risks and how to handle them

    • Brand colours change

      Adjust shades only where contrast fails.

    Evidence

    • Google PageSpeedmoniepoint.com (tested October 21, 2026): mobile score 54, desktop 64; in Google's phone test the main headline appears after 13.2 s. Real visitors fail all three Core Web Vitals: LCP 4.9 s (good is under 2.5 s), INP 699 ms (good is under 200 ms), CLS 0.25 (good is under 0.1); across the whole site LCP is 15% slower than a year ago. The page loads 2 MB in 124 requests, 1.1 MB of it JavaScript and 901 KB from third parties (Google Tag Manager 383 KB, Facebook 266 KB). Biggest fixes: cache lifetimes (about 1.7 s), unused JavaScript (about 1.5 s), image delivery (about 0.9 s). Accessibility 83: buttons without accessible names and low-contrast text.Source
  • 03

    The Analytics Manager role asks "What is our actual CAC per channel?" while regional marketers already track cost per acquisition for activations and the field network drives most revenue. Without one table, digital, field and regional spend cannot be compared.

    High impactMedium effort First result in 1 month Analytics Manager

    First action

    Agree the definition of an acquired customer per product.

    How to measure it

    Channels with weekly CAC

    Now
    –
    Target
    100% of spend
    By
    60 days

    Steps

    1. 1

      Define events

      Acquisition per product.

      Analytics Manager, Marketing & Sales 1 week

    2. 2

      Collect costs

      Paid, field, regional.

      Finance Business Partner 2 weeks

    3. 3

      Join data

      Weekly table.

      Senior Data Engineer 2 weeks

    4. 4

      Review

      Monday budget meeting.

      Analytics Manager, Marketing & Sales weekly

    5. 5

      Reallocate

      Shift spend.

      Chief Marketing Officer monthly

    6. 6

      Add LTV

      Retention by channel.

      Analytics Manager, Marketing & Sales quarterly

    First result
    1 month
    Cost
    Analyst time
    Owner
    Analytics Manager, Marketing & Sales

    Smallest test

    Build the table for one product and one month.

    Why it works

    Define one cost and one acquisition event per channel (paid search, Meta, TikTok, regional activations, field agents, referrals), join them in a weekly table by product (personal, business, Moniebook), and review it with budget owners every Monday.

    Money moves to the channels that work only when everyone sees the same numbers.

    Risks and how to handle them

    • Field costs are hard to assign

      Start with commissions paid per acquisition.

    Evidence

    • HiringAnalytics Manager, Marketing & Sales (London, Spain, Poland and Portugal; posted July to September 2026, still open October 21): owns "metrics, measurement, experimentation" for "acquisition, conversion, activation, retention, and revenue", starting with questions such as "What is our actual CAC per channel?" and "What products cause the biggest incremental engagement?"Source
    • HiringMarketing hiring: a Regional Marketing Specialist for the North East (Gombe, posted August 19, 2026) running neighbourhood "storming" activations, local radio and billboards, tracking "Cost Per Acquisition" for every regional activity and building ties with traditional rulers and trade unions; a Copywriter (updated October 16) for app, CRM, OOH, TV, radio and performance ads on Google, Meta, TikTok and LinkedIn; an Illustrator.Source
    • HiringHead of Engineering, Sales Management Tools (posted September 10, 2026): MonieCRM runs "Moniepoint's 50,000-strong sales network", which "drives the overwhelming majority of company revenue"; the domain also covers partner management, rewards and "our marketing technology stack, including the engineering and customisation of Braze".Source
  • 04

    Moniepoint powers most of Nigeria's POS transactions, and new Field Sales Leads are being hired to sell Moniebook to retail and restaurant businesses. The easiest buyers are merchants already using a Moniepoint terminal.

    High impactLow effort First result in 1 month Field Sales Lead

    First action

    Pull 500 retail and food POS merchants in Kano and Enugu.

    How to measure it

    Moniebook activations

    Now
    –
    Target
    +40% per agent
    By
    60 days

    Steps

    1. 1

      Pull lists

      MonieCRM by region.

      Sales Operations 2 days

    2. 2

      Script

      Two-minute demo.

      Field Sales Lead, Moniebook 2 days

    3. 3

      Offer

      First-month incentive.

      Moniebook Product Manager 1 week

    4. 4

      Assign

      To agents.

      Field Sales Lead, Moniebook 1 day

    5. 5

      Visit

      Weekly targets.

      Field Sales Lead, Moniebook weekly

    6. 6

      Measure

      Activation and use.

      Analytics Manager, Marketing & Sales weekly

    First result
    1 month
    Cost
    Incentive budget
    Owner
    Field Sales Lead, Moniebook

    Smallest test

    Run one agent team on the list for a week.

    Why it works

    Use MonieCRM to list POS merchants in retail and food with steady volume in the four new regions, give Field Sales Agents that list with a short demo script, and offer a first-month incentive tied to their existing account.

    Existing merchants convert faster and cheaper than cold visits, and agents ramp to targets sooner.

    Risks and how to handle them

    • Merchants see it as more fees

      Show time saved on stock and books.

    Evidence

    • HiringField Sales Leads for Moniebook in Abeokuta, Anambra, Enugu and Kano (posted October 17, 2026): Moniebook is "The all-in-one business management software for retail and restaurant businesses" that sells, tracks inventory, keeps books and accepts payments, "Offline-first"; leads recruit and coach Field Sales Agents and get them "hitting activity targets within their first 30 days".Source
    • HiringHead of Engineering, Sales Management Tools (posted September 10, 2026): MonieCRM runs "Moniepoint's 50,000-strong sales network", which "drives the overwhelming majority of company revenue"; the domain also covers partner management, rewards and "our marketing technology stack, including the engineering and customisation of Braze".Source
    • HiringMoniepoint's description in current posts: "Africa's all-in-one financial platform, helping 20 million businesses and individuals access seamless payments, banking, credit, cross-border, and business management tools each month"; "Nigeria's largest merchant acquirer"; "over $250 billion in digital payment transaction value annually".Source
  • 05

    Rewards serves about 23 million people but "does one thing: cashback", and the new head's first objective is the best performance from it. Flat cashback pays the same to customers who would have transacted anyway.

    High impactLow effort First result in 1 month Head of Engineering

    First action

    Set up a 5% holdout group for current cashback.

    How to measure it

    Incremental return on cashback

    Now
    –
    Target
    +30%
    By
    1 quarter

    Steps

    1. 1

      Holdout

      5% control group.

      Head of Engineering, Rewards 1 week

    2. 2

      Design tests

      Three offers.

      Rewards Product Manager 1 week

    3. 3

      Launch

      Small segments.

      Head of Engineering, Rewards 2 weeks

    4. 4

      Measure

      Incremental use.

      Analytics Manager, Marketing & Sales 1 month

    5. 5

      Scale winners

      Wider segments.

      Head of Engineering, Rewards 1 month

    6. 6

      Report

      Monthly.

      Analytics Manager, Marketing & Sales monthly

    First result
    1 month
    Cost
    Existing cashback budget
    Owner
    Head of Engineering, Rewards

    Smallest test

    Test one lapsing-user offer.

    Why it works

    Run three controlled tests: cashback targeted to lapsing users, cashback on a customer's first bill payment or transfer type, and a streak reward for weekly use; hold out a control group and measure incremental transactions per naira spent.

    Measuring incremental behaviour turns cashback from a cost into a retention tool and sets the method for the wider platform.

    Risks and how to handle them

    • Users notice differences

      Keep offers personal and in-app.

    Evidence

    • HiringHead of Engineering, Rewards (posted September 11, 2026, in Kenya, Nigeria, the UK and Europe): Rewards "sits at the centre of our retention strategy across a user base of approximately 23 million people. Today the platform does one thing: cashback." The aim is "a full rewards, retention, engagement and personalisation platform" for business customers, consumers "and the sales agents who drive our distribution", won on "experimentation, personalisation"; a team of nine growing to 25+.Source
    • HiringAnalytics Manager, Marketing & Sales (London, Spain, Poland and Portugal; posted July to September 2026, still open October 21): owns "metrics, measurement, experimentation" for "acquisition, conversion, activation, retention, and revenue", starting with questions such as "What is our actual CAC per channel?" and "What products cause the biggest incremental engagement?"Source
  • 06

    Regional marketers run neighbourhood "storming" activations and must track cost per acquisition for each, while sign-ups often happen later in the app or through an agent.

    Medium impactLow effort First result in 1 month Regional Marketing Specialist

    First action

    Create codes for the next five activations.

    How to measure it

    Activations with measured CPA

    Now
    –
    Target
    100%
    By
    60 days

    Steps

    1. 1

      Create codes

      Per activation.

      Marketing Technology Lead 2 days

    2. 2

      Print

      Flyers and banners.

      Regional Marketing Specialist 1 week

    3. 3

      Link events

      Install and account opening.

      Senior Data Engineer 1 week

    4. 4

      Run

      Activations.

      Regional Marketing Specialist weekly

    5. 5

      Report

      Weekly CPA.

      Analytics Manager, Marketing & Sales weekly

    6. 6

      Shift budget

      Best formats.

      Regional Marketing Specialist monthly

    First result
    1 month
    Cost
    Printing costs
    Owner
    Regional Marketing Specialist

    Smallest test

    Use codes at one market activation.

    Why it works

    Print a unique QR code and short code per activation and per agent, link it to the app install and account opening, and report CPA per activation each week.

    Knowing which markets, hubs and formats produce accounts lets the region spend on what works.

    Risks and how to handle them

    • Codes not scanned

      Agents enter the code at sign-up.

    Evidence

    • HiringMarketing hiring: a Regional Marketing Specialist for the North East (Gombe, posted August 19, 2026) running neighbourhood "storming" activations, local radio and billboards, tracking "Cost Per Acquisition" for every regional activity and building ties with traditional rulers and trade unions; a Copywriter (updated October 16) for app, CRM, OOH, TV, radio and performance ads on Google, Meta, TikTok and LinkedIn; an Illustrator.Source
    • HiringAnalytics Manager, Marketing & Sales (London, Spain, Poland and Portugal; posted July to September 2026, still open October 21): owns "metrics, measurement, experimentation" for "acquisition, conversion, activation, retention, and revenue", starting with questions such as "What is our actual CAC per channel?" and "What products cause the biggest incremental engagement?"Source

This quarter 10

The core plays for the next three months.

  • 07

    The rewards platform is meant to serve "the sales agents who drive our distribution", and the 50,000-strong sales network drives most revenue. Paying agents only for sign-ups can produce inactive accounts and idle terminals.

    High impactHigh effort First result in 2 quarters Head of Engineering

    First action

    Model agent rewards on 90-day activity for one region.

    How to measure it

    Active merchants at 90 days

    Now
    –
    Target
    +15%
    By
    2 quarters

    Steps

    1. 1

      Model

      Rewards on activity.

      Analytics Manager, Marketing & Sales 1 month

    2. 2

      Design

      Agent view in MonieCRM.

      Head of Engineering, Sales Management Tools 1 month

    3. 3

      Pilot

      One region.

      Head, Customer Acquisition 1 quarter

    4. 4

      Measure

      Activity and recovery.

      Analytics Manager, Marketing & Sales monthly

    5. 5

      Adjust

      Thresholds.

      Head of Engineering, Rewards monthly

    6. 6

      Roll out

      All regions.

      Head, Customer Acquisition 1 quarter

    First result
    2 quarters
    Cost
    Reward budget reallocation
    Owner
    Head of Engineering, Rewards

    Smallest test

    Pilot with one state's agents.

    Why it works

    Pay agent rewards on merchants' 30- and 90-day activity (transactions, Moniebook use, credit repayment), shown in MonieCRM with a progress view, and reduce reward for terminals that go into recovery.

    Rewarding active merchants aligns the field network with retention and lowers terminal losses.

    Risks and how to handle them

    • Agent pushback

      Phase in with a guaranteed floor.

    Evidence

    • HiringHead of Engineering, Rewards (posted September 11, 2026, in Kenya, Nigeria, the UK and Europe): Rewards "sits at the centre of our retention strategy across a user base of approximately 23 million people. Today the platform does one thing: cashback." The aim is "a full rewards, retention, engagement and personalisation platform" for business customers, consumers "and the sales agents who drive our distribution", won on "experimentation, personalisation"; a team of nine growing to 25+.Source
    • HiringHead of Engineering, Sales Management Tools (posted September 10, 2026): MonieCRM runs "Moniepoint's 50,000-strong sales network", which "drives the overwhelming majority of company revenue"; the domain also covers partner management, rewards and "our marketing technology stack, including the engineering and customisation of Braze".Source
    • HiringCredit and terminals: Field Credit Officers in seven states (posted September 23, 2026) "Engage customers to ensure optimal usage of accounts to allow them to qualify for access to credit"; a Head, POS Recovery owns non-performing terminals from "at risk" to retrieval and a "revive rate"; a Head, Innovation Hubs runs hubs at OAU, UNN and ABU universities.Source
  • 08

    The POS Recovery head owns terminals from "at risk" to retrieval and tracks a "revive rate". Every recovered terminal is a merchant who stopped transacting.

    High impactMedium effort First result in 1 quarter Head

    First action

    Count terminals flagged at risk last month.

    How to measure it

    Revive rate

    Now
    –
    Target
    +20%
    By
    2 quarters

    Steps

    1. 1

      Flag rules

      At-risk signals.

      Head, POS Recovery 2 weeks

    2. 2

      Offer design

      Waiver or cashback.

      Head of Engineering, Rewards 2 weeks

    3. 3

      Agent script

      Revive call.

      Head, POS Recovery 1 week

    4. 4

      Automate

      Braze and MonieCRM triggers.

      Head of Engineering, Sales Management Tools 1 month

    5. 5

      Run

      All flagged terminals.

      Head, POS Recovery ongoing

    6. 6

      Measure

      Revive vs recovery cost.

      Analytics Manager, Marketing & Sales monthly

    First result
    1 quarter
    Cost
    Offer costs
    Owner
    Head, POS Recovery

    Smallest test

    Run revive calls on 100 at-risk terminals.

    Why it works

    When a terminal is flagged at risk, trigger a revive sequence first: a call from the agent, a fee waiver or cashback for the next 20 transactions, and a check for faults; only then start recovery.

    Reviving a merchant keeps revenue and costs less than retrieval and replacement.

    Risks and how to handle them

    • Merchants game the offer

      Limit to one revive offer per year.

    Evidence

    • HiringCredit and terminals: Field Credit Officers in seven states (posted September 23, 2026) "Engage customers to ensure optimal usage of accounts to allow them to qualify for access to credit"; a Head, POS Recovery owns non-performing terminals from "at risk" to retrieval and a "revive rate"; a Head, Innovation Hubs runs hubs at OAU, UNN and ABU universities.Source
    • HiringHead of Engineering, Rewards (posted September 11, 2026, in Kenya, Nigeria, the UK and Europe): Rewards "sits at the centre of our retention strategy across a user base of approximately 23 million people. Today the platform does one thing: cashback." The aim is "a full rewards, retention, engagement and personalisation platform" for business customers, consumers "and the sales agents who drive our distribution", won on "experimentation, personalisation"; a team of nine growing to 25+.Source
    • HiringHead of Engineering, Sales Management Tools (posted September 10, 2026): MonieCRM runs "Moniepoint's 50,000-strong sales network", which "drives the overwhelming majority of company revenue"; the domain also covers partner management, rewards and "our marketing technology stack, including the engineering and customisation of Braze".Source
  • 09

    Field Credit Officers are asked to get businesses to use their accounts so they "qualify for access to credit". Merchants cannot see that progress for themselves.

    High impactMedium effort First result in 1 quarter Regional Credit Manager

    First action

    Agree which signals can be shown without exposing the model.

    How to measure it

    Credit-eligible businesses

    Now
    –
    Target
    +25%
    By
    2 quarters

    Steps

    1. 1

      Pick signals

      Shareable factors.

      Credit Risk Lead 2 weeks

    2. 2

      Design meter

      In-app.

      Senior Content Designer 2 weeks

    3. 3

      Build

      Business app.

      Product Engineering 1 month

    4. 4

      Route leads

      To officers.

      Head of Engineering, Sales Management Tools 2 weeks

    5. 5

      Launch

      Test states.

      Regional Credit Manager 1 month

    6. 6

      Measure

      Eligibility and default.

      Analytics Manager, Marketing & Sales monthly

    First result
    1 quarter
    Cost
    Product time
    Owner
    Regional Credit Manager

    Smallest test

    Email 1,000 businesses their readiness.

    Why it works

    Add a credit readiness meter in the business app: account activity, inflows and repayment history against the thresholds that matter, with tips and a "talk to a credit officer" button when ready.

    A visible goal changes behaviour across millions of accounts without a visit, and gives officers warm leads.

    Risks and how to handle them

    • Gaming the signals

      Show ranges, not exact thresholds.

    Evidence

    • HiringCredit and terminals: Field Credit Officers in seven states (posted September 23, 2026) "Engage customers to ensure optimal usage of accounts to allow them to qualify for access to credit"; a Head, POS Recovery owns non-performing terminals from "at risk" to retrieval and a "revive rate"; a Head, Innovation Hubs runs hubs at OAU, UNN and ABU universities.Source
    • HiringMoniepoint's description in current posts: "Africa's all-in-one financial platform, helping 20 million businesses and individuals access seamless payments, banking, credit, cross-border, and business management tools each month"; "Nigeria's largest merchant acquirer"; "over $250 billion in digital payment transaction value annually".Source
  • 10

    Moniepoint is "preparing to go live" in Kenya after buying Sumac Microfinance Bank, with five Nairobi branches and 7.4 million small businesses as the target. The first merchants set the reference story for every market after.

    High impactHigh effort First result in 2 quarters Kenya Country Lead

    First action

    List Sumac business customers who could become founding merchants.

    How to measure it

    Founding merchants

    Now
    –
    Target
    500
    By
    2 quarters

    Steps

    1. 1

      Set offer

      Founding benefits.

      Kenya Country Lead 2 weeks

    2. 2

      Open list

      Kenya sign-up.

      Web Engineering Lead 1 week

    3. 3

      Branch outreach

      Sumac customers.

      Kenya Country Lead 1 month

    4. 4

      Onboard

      Early access.

      Kenya Country Lead 1 month

    5. 5

      Feedback

      Weekly sessions.

      Senior Content Designer weekly

    6. 6

      Stories

      Launch case studies.

      Copywriter 1 month

    First result
    2 quarters
    Cost
    Launch offer budget
    Owner
    Kenya Country Lead

    Smallest test

    Invite 50 Sumac business customers.

    Why it works

    Open a Kenya sign-up list, recruit 500 founding merchants through Sumac's branches and customers, give them early access, priority support and a launch offer, and collect their feedback in weekly sessions.

    A warm base at launch avoids an empty start and produces local proof for wider marketing.

    Risks and how to handle them

    • Regulatory timing

      Open the list without promising a date.

    Evidence

    • HiringKenya: "Following our acquisition of Sumac Microfinance Bank, we're preparing to go live"; "How we execute in Kenya will shape how we approach every market we enter after it." Nairobi hiring includes a Senior Content Designer (posted October 15, 2026), a Head of Group FP&A, a Financial Planning Analyst and a Talent Acquisition Specialist.Source
    • News coverageMoniepoint completed its acquisition of a 78% stake in Kenya's Sumac Microfinance Bank in April 2026, with Central Bank of Kenya approval; Sumac, founded in 2002, serves entrepreneurs through five Nairobi branches, and Moniepoint is targeting Kenya's 7.4 million micro, small and medium enterprises.Source
  • 11

    A Senior Content Designer is being hired in Nairobi. Nigerian product language (naira, POS, transfer habits) does not carry over to Kenyan businesses that use different payment habits and terms.

    High impactMedium effort First result in 1 quarter Senior Content Designer

    First action

    Schedule ten merchant interviews.

    How to measure it

    Kenya onboarding completion

    Now
    –
    Target
    80%
    By
    2 quarters

    Steps

    1. 1

      Interview

      30 merchants.

      Senior Content Designer 1 month

    2. 2

      Style guide

      English and Swahili.

      Senior Content Designer 1 month

    3. 3

      Rewrite

      Onboarding and fees.

      Senior Content Designer 1 month

    4. 4

      Test

      Comprehension.

      Senior Content Designer 2 weeks

    5. 5

      Help content

      Top questions.

      Copywriter 1 month

    6. 6

      Measure

      After launch.

      Analytics Manager, Marketing & Sales monthly

    First result
    1 quarter
    Cost
    Research incentives
    Owner
    Senior Content Designer

    Smallest test

    Rewrite the onboarding screens first.

    Why it works

    Run interviews with 30 Nairobi merchants, build a Kenya content style guide (English and Swahili), rewrite onboarding, fees and help content, and test comprehension before launch.

    Clear, local language raises sign-up completion and lowers support calls in a new market.

    Risks and how to handle them

    • Too little time before launch

      Prioritise onboarding and fees.

    Evidence

    • HiringKenya: "Following our acquisition of Sumac Microfinance Bank, we're preparing to go live"; "How we execute in Kenya will shape how we approach every market we enter after it." Nairobi hiring includes a Senior Content Designer (posted October 15, 2026), a Head of Group FP&A, a Financial Planning Analyst and a Talent Acquisition Specialist.Source
    • News coverageMoniepoint completed its acquisition of a 78% stake in Kenya's Sumac Microfinance Bank in April 2026, with Central Bank of Kenya approval; Sumac, founded in 2002, serves entrepreneurs through five Nairobi branches, and Moniepoint is targeting Kenya's 7.4 million micro, small and medium enterprises.Source
  • 12

    The Sales Management Tools domain runs Braze for customer engagement. New accounts that do not transact in the first weeks rarely become active.

    High impactMedium effort First result in 1 quarter Head of Engineering

    First action

    Measure the share of new accounts active by day 30.

    How to measure it

    Day-30 activation

    Now
    –
    Target
    +10 points
    By
    2 quarters

    Steps

    1. 1

      Baseline

      Activation by product.

      Analytics Manager, Marketing & Sales 1 week

    2. 2

      Design journeys

      Three products.

      CRM Manager 2 weeks

    3. 3

      Write copy

      Clear steps.

      Copywriter 2 weeks

    4. 4

      Build

      Braze.

      Head of Engineering, Sales Management Tools 1 month

    5. 5

      Agent follow-up

      Day 7 trigger.

      Head of Engineering, Sales Management Tools 2 weeks

    6. 6

      Test

      Against holdout.

      Analytics Manager, Marketing & Sales 1 month

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Head of Engineering, Sales Management Tools

    Smallest test

    Launch the personal-account journey.

    Why it works

    Build journeys by product: first transfer or bill payment for personal accounts, first POS or Moniebook sale for businesses, with reminders, help content and an agent follow-up when nothing happens by day 7.

    Early activation is the strongest predictor of retention, and journeys run automatically at scale.

    Risks and how to handle them

    • Message fatigue

      Cap messages per week.

    Evidence

    • HiringHead of Engineering, Sales Management Tools (posted September 10, 2026): MonieCRM runs "Moniepoint's 50,000-strong sales network", which "drives the overwhelming majority of company revenue"; the domain also covers partner management, rewards and "our marketing technology stack, including the engineering and customisation of Braze".Source
    • HiringHead of Engineering, Rewards (posted September 11, 2026, in Kenya, Nigeria, the UK and Europe): Rewards "sits at the centre of our retention strategy across a user base of approximately 23 million people. Today the platform does one thing: cashback." The aim is "a full rewards, retention, engagement and personalisation platform" for business customers, consumers "and the sales agents who drive our distribution", won on "experimentation, personalisation"; a team of nine growing to 25+.Source
    • HiringAnalytics Manager, Marketing & Sales (London, Spain, Poland and Portugal; posted July to September 2026, still open October 21): owns "metrics, measurement, experimentation" for "acquisition, conversion, activation, retention, and revenue", starting with questions such as "What is our actual CAC per channel?" and "What products cause the biggest incremental engagement?"Source
  • 13

    MonieWorld competes in a crowded UK-to-Nigeria corridor, and the sitemap has an /ng-uk-refer page. Millions of Nigerian Moniepoint users have family abroad who send them money.

    High impactMedium effort First result in 2 quarters MonieWorld Growth Lead

    First action

    Check current referral volume from /ng-uk-refer.

    How to measure it

    Invite-driven MonieWorld senders

    Now
    –
    Target
    +50%
    By
    2 quarters

    Steps

    1. 1

      Design offer

      Two-sided reward.

      MonieWorld Growth Lead 2 weeks

    2. 2

      Build invite

      Nigerian app.

      Product Engineering 1 month

    3. 3

      Instant credit

      Recipient account.

      Payments Engineering 1 month

    4. 4

      Promote

      In-app and CRM.

      CRM Manager 1 month

    5. 5

      Measure

      Senders and cost.

      Analytics Manager, Marketing & Sales monthly

    6. 6

      Expand

      US and Canada when live.

      MonieWorld Growth Lead quarterly

    First result
    2 quarters
    Cost
    Referral rewards
    Owner
    MonieWorld Growth Lead

    Smallest test

    Run the invite with 10,000 Nigerian users.

    Why it works

    Add an in-app invite in the Nigerian app: the recipient shares a link with a UK relative, both get a reward on the first transfer, and transfers land instantly in the recipient's Moniepoint account.

    Recipients are the reason senders choose a service, so a recipient-led referral is cheaper than UK paid acquisition.

    Risks and how to handle them

    • Reward abuse

      Pay on the first qualifying transfer only.

    Evidence

    • News coverageMonieWorld, Moniepoint's UK-to-Nigeria remittance product run by Moniepoint GB, launched in April 2025 into a corridor contested by Send, LemFi and Zepz, with US and Canada corridors and credit-building tools expected.Source
    • Your websiteSite structure (read by programmable.info from the sitemap): 487 blog URLs including many staff career stories, 42 pages under /ng, a single page under /gb, and pages for /moniebook, /orda, /ng-uk-refer and /hatchdev; the main sign-up link goes to /ng/digital-banking. The YouTube channel has about 11,100 subscribers and 169 videos.Source
    • HiringHead of Engineering, Rewards (posted September 11, 2026, in Kenya, Nigeria, the UK and Europe): Rewards "sits at the centre of our retention strategy across a user base of approximately 23 million people. Today the platform does one thing: cashback." The aim is "a full rewards, retention, engagement and personalisation platform" for business customers, consumers "and the sales agents who drive our distribution", won on "experimentation, personalisation"; a team of nine growing to 25+.Source
  • 14

    The YouTube channel has about 11,100 subscribers and 169 videos, and the creative team writes scripts for motion graphics. Business owners learn tools best from short videos in their own language.

    Medium impactMedium effort First result in 1 quarter Copywriter

    First action

    Script the first video on Moniebook stock tracking.

    How to measure it

    Monthly video views

    Now
    –
    Target
    500,000
    By
    2 quarters

    Steps

    1. 1

      Pick topics

      Top support questions.

      Copywriter 1 week

    2. 2

      Script

      Four languages.

      Copywriter 2 weeks

    3. 3

      Produce

      Motion and live action.

      Creative Lead weekly

    4. 4

      Distribute

      YouTube, WhatsApp, app.

      Regional Marketing Specialist weekly

    5. 5

      Measure

      Views and use.

      Analytics Manager, Marketing & Sales monthly

    6. 6

      Refresh

      Quarterly topics.

      Copywriter quarterly

    First result
    1 quarter
    Cost
    Production costs
    Owner
    Copywriter

    Smallest test

    Publish one video in Pidgin.

    Why it works

    Produce weekly two-minute videos (stock tracking in Moniebook, avoiding failed transfers, building a credit record) in four languages and share them through agents' WhatsApp groups and the app.

    Education reduces support load, lifts product use and gives agents content to share.

    Risks and how to handle them

    • Translation quality

      Native speakers review each script.

    Evidence

    • Your websiteSite structure (read by programmable.info from the sitemap): 487 blog URLs including many staff career stories, 42 pages under /ng, a single page under /gb, and pages for /moniebook, /orda, /ng-uk-refer and /hatchdev; the main sign-up link goes to /ng/digital-banking. The YouTube channel has about 11,100 subscribers and 169 videos.Source
    • HiringMarketing hiring: a Regional Marketing Specialist for the North East (Gombe, posted August 19, 2026) running neighbourhood "storming" activations, local radio and billboards, tracking "Cost Per Acquisition" for every regional activity and building ties with traditional rulers and trade unions; a Copywriter (updated October 16) for app, CRM, OOH, TV, radio and performance ads on Google, Meta, TikTok and LinkedIn; an Illustrator.Source
    • HiringField Sales Leads for Moniebook in Abeokuta, Anambra, Enugu and Kano (posted October 17, 2026): Moniebook is "The all-in-one business management software for retail and restaurant businesses" that sells, tracks inventory, keeps books and accepts payments, "Offline-first"; leads recruit and coach Field Sales Agents and get them "hitting activity targets within their first 30 days".Source
  • 15

    The blog has 487 URLs, many of them staff career stories. Business owners search for practical answers (registering a business, pricing, managing stock, getting a loan) that lead naturally to Moniepoint products.

    Medium impactMedium effort First result in 1 quarter Copywriter

    First action

    Research the top 30 small business questions.

    How to measure it

    Organic visits to guides

    Now
    –
    Target
    100,000 a month
    By
    3 quarters

    Steps

    1. 1

      Research

      Search questions.

      Copywriter 2 weeks

    2. 2

      Write

      30 guides.

      Copywriter 1 quarter

    3. 3

      Link products

      Relevant offers.

      Copywriter ongoing

    4. 4

      Speed

      Fast page template.

      Web Engineering Lead 2 weeks

    5. 5

      Promote

      Agents and social.

      Regional Marketing Specialist ongoing

    6. 6

      Measure

      Visits and sign-ups.

      Analytics Manager, Marketing & Sales monthly

    First result
    1 quarter
    Cost
    Writing time
    Owner
    Copywriter

    Smallest test

    Publish five guides.

    Why it works

    Publish 30 practical guides on the questions small Nigerian businesses search for most, each linking to the right product, and update them yearly.

    Search traffic from business owners is cheap acquisition and builds trust before sign-up.

    Risks and how to handle them

    • Thin content

      Fewer, deeper guides.

    Evidence

    • Your websiteSite structure (read by programmable.info from the sitemap): 487 blog URLs including many staff career stories, 42 pages under /ng, a single page under /gb, and pages for /moniebook, /orda, /ng-uk-refer and /hatchdev; the main sign-up link goes to /ng/digital-banking. The YouTube channel has about 11,100 subscribers and 169 videos.Source
    • Google PageSpeedmoniepoint.com (tested October 21, 2026): mobile score 54, desktop 64; in Google's phone test the main headline appears after 13.2 s. Real visitors fail all three Core Web Vitals: LCP 4.9 s (good is under 2.5 s), INP 699 ms (good is under 200 ms), CLS 0.25 (good is under 0.1); across the whole site LCP is 15% slower than a year ago. The page loads 2 MB in 124 requests, 1.1 MB of it JavaScript and 901 KB from third parties (Google Tag Manager 383 KB, Facebook 266 KB). Biggest fixes: cache lifetimes (about 1.7 s), unused JavaScript (about 1.5 s), image delivery (about 0.9 s). Accessibility 83: buttons without accessible names and low-contrast text.Source
  • 16

    Moniepoint is building innovation hubs at OAU, UNN and ABU, open to students from every faculty. Students choose their first bank account at university.

    Medium impactLow effort First result in 2 quarters Head

    First action

    Recruit five ambassadors per hub.

    How to measure it

    Student accounts

    Now
    –
    Target
    30,000
    By
    2 quarters

    Steps

    1. 1

      Recruit

      Five per hub.

      Head, Innovation Hubs 1 month

    2. 2

      Offers

      Student benefits.

      Head of Engineering, Rewards 1 month

    3. 3

      Codes

      Referral tracking.

      Marketing Technology Lead 1 week

    4. 4

      Events

      Each cohort.

      Regional Marketing Specialist monthly

    5. 5

      Measure

      Accounts and use.

      Analytics Manager, Marketing & Sales monthly

    6. 6

      Expand

      More universities.

      Head, Innovation Hubs 1 quarter

    First result
    2 quarters
    Cost
    Ambassador fees
    Owner
    Head, Innovation Hubs

    Smallest test

    Run one event at OAU.

    Why it works

    Recruit ambassadors in each hub, give them referral codes and campus offers (fee-free transfers, student savings), and run sign-up events tied to hub cohorts.

    Students are a large, social group, and early accounts often stay for life.

    Risks and how to handle them

    • Low balances

      Track activity, not deposits.

    Evidence

    • HiringCredit and terminals: Field Credit Officers in seven states (posted September 23, 2026) "Engage customers to ensure optimal usage of accounts to allow them to qualify for access to credit"; a Head, POS Recovery owns non-performing terminals from "at risk" to retrieval and a "revive rate"; a Head, Innovation Hubs runs hubs at OAU, UNN and ABU universities.Source
    • HiringHead of Engineering, Rewards (posted September 11, 2026, in Kenya, Nigeria, the UK and Europe): Rewards "sits at the centre of our retention strategy across a user base of approximately 23 million people. Today the platform does one thing: cashback." The aim is "a full rewards, retention, engagement and personalisation platform" for business customers, consumers "and the sales agents who drive our distribution", won on "experimentation, personalisation"; a team of nine growing to 25+.Source

Big bets 3

Larger plays that can change the trajectory.

  • 17

    Moniepoint sits on both sides of commerce: merchants on its terminals and consumers in its app. The rewards platform aims to cover business customers and consumers.

    High impactHigh effort First result in 4 quarters Head of Engineering

    First action

    Recruit 50 merchants for a pilot offer.

    How to measure it

    Monthly redemptions

    Now
    –
    Target
    1 million
    By
    1 year

    Steps

    1. 1

      Design model

      Merchant-funded offers.

      Head of Engineering, Rewards 1 month

    2. 2

      Build tools

      Offer setup in business app.

      Head of Engineering, Rewards 1 quarter

    3. 3

      Consumer feed

      Nearby offers.

      Head of Engineering, Rewards 1 quarter

    4. 4

      Pilot

      One city.

      Head, Customer Acquisition 1 quarter

    5. 5

      Measure

      Redemptions and footfall.

      Analytics Manager, Marketing & Sales monthly

    6. 6

      Scale

      Nationwide.

      Head of Engineering, Rewards 2 quarters

    First result
    4 quarters
    Cost
    Product investment
    Owner
    Head of Engineering, Rewards

    Smallest test

    Run a manual merchant offer with 50 stores.

    Why it works

    Let merchants fund offers (cashback at their store) shown to nearby Moniepoint consumers, paid on redeemed transactions, with reporting in the business app.

    Merchants get footfall, consumers get value, and Moniepoint gets fee revenue and engagement without funding all rewards itself.

    Risks and how to handle them

    • Low offer quality

      Curate early offers.

    Evidence

    • HiringHead of Engineering, Rewards (posted September 11, 2026, in Kenya, Nigeria, the UK and Europe): Rewards "sits at the centre of our retention strategy across a user base of approximately 23 million people. Today the platform does one thing: cashback." The aim is "a full rewards, retention, engagement and personalisation platform" for business customers, consumers "and the sales agents who drive our distribution", won on "experimentation, personalisation"; a team of nine growing to 25+.Source
    • HiringMoniepoint's description in current posts: "Africa's all-in-one financial platform, helping 20 million businesses and individuals access seamless payments, banking, credit, cross-border, and business management tools each month"; "Nigeria's largest merchant acquirer"; "over $250 billion in digital payment transaction value annually".Source
  • 18

    Moniepoint says how it executes in Kenya "will shape how we approach every market we enter after it". Each step learned there is worth documenting.

    High impactHigh effort First result in 4 quarters Kenya Country Lead

    First action

    Name an owner for the market-entry kit.

    How to measure it

    Kenya active merchants

    Now
    –
    Target
    10,000
    By
    1 year

    Steps

    1. 1

      Assign owner

      Kit lead.

      Kenya Country Lead 1 week

    2. 2

      Document

      Each launch step.

      Kenya Country Lead ongoing

    3. 3

      Measure

      Launch funnel.

      Analytics Manager, Marketing & Sales monthly

    4. 4

      Review

      Six months.

      Kenya Country Lead 6 months

    5. 5

      Update

      Kit.

      Kenya Country Lead quarterly

    6. 6

      Apply

      Next market plan.

      Chief Marketing Officer 1 year

    First result
    4 quarters
    Cost
    Staff time only
    Owner
    Kenya Country Lead

    Smallest test

    Write the founding merchant chapter first.

    Why it works

    Capture the launch as a kit: licence path, founding merchants, field network setup, content and language, pricing tests, rewards and measurement; review after 6 and 12 months and use it for the next market.

    A documented playbook makes the next launch faster and cheaper and keeps lessons when people move.

    Risks and how to handle them

    • Kenya-specific lessons

      Separate general steps from local ones.

    Evidence

    • HiringKenya: "Following our acquisition of Sumac Microfinance Bank, we're preparing to go live"; "How we execute in Kenya will shape how we approach every market we enter after it." Nairobi hiring includes a Senior Content Designer (posted October 15, 2026), a Head of Group FP&A, a Financial Planning Analyst and a Talent Acquisition Specialist.Source
    • News coverageMoniepoint completed its acquisition of a 78% stake in Kenya's Sumac Microfinance Bank in April 2026, with Central Bank of Kenya approval; Sumac, founded in 2002, serves entrepreneurs through five Nairobi branches, and Moniepoint is targeting Kenya's 7.4 million micro, small and medium enterprises.Source
    • HiringSenior Principal, Talent Marketing (Poland, posted September 21, 2026): builds the talent brand for the "newest engineering hubs (principally Poland and Spain)", where "Moniepoint is not yet an established consumer brand", through developer events and campaigns that convert attendees "into active, screened pipelines". Moniepoint lists about 148 open roles, many in engineering hubs in Poland, Spain, Portugal, Kenya, South Africa and Pakistan.Source
  • 19

    Coverage of MonieWorld points to more corridors and credit-building tools, and Moniepoint already runs credit at scale in Nigeria. Diaspora users want to support family and build assets at home.

    High impactHigh effort First result in 4 quarters MonieWorld Growth Lead

    First action

    Survey 500 MonieWorld senders on what they want next.

    How to measure it

    Users with two or more products

    Now
    –
    Target
    25%
    By
    1 year

    Steps

    1. 1

      Survey

      500 senders.

      MonieWorld Growth Lead 1 month

    2. 2

      Design

      Savings and family accounts.

      MonieWorld Growth Lead 1 quarter

    3. 3

      Regulatory review

      UK and Nigeria.

      Compliance Lead 1 quarter

    4. 4

      Launch savings

      First product.

      MonieWorld Growth Lead 1 quarter

    5. 5

      Add credit

      Family business finance.

      Regional Credit Manager 2 quarters

    6. 6

      Measure

      Products per user.

      Analytics Manager, Marketing & Sales quarterly

    First result
    4 quarters
    Cost
    Product and compliance investment
    Owner
    MonieWorld Growth Lead

    Smallest test

    Run the sender survey.

    Why it works

    Add goal-based savings and family accounts for diaspora senders, then credit products such as financing for family businesses on Moniepoint, using both sides' transaction history.

    More products per sender raise lifetime value in a corridor where transfers alone have thin margins.

    Risks and how to handle them

    • Regulatory complexity

      Start with savings on existing licences.

    Evidence

    • News coverageMonieWorld, Moniepoint's UK-to-Nigeria remittance product run by Moniepoint GB, launched in April 2025 into a corridor contested by Send, LemFi and Zepz, with US and Canada corridors and credit-building tools expected.Source
    • News coverageMoniepoint became a unicorn in October 2024 and its Series C passed $200 million, with Visa, Development Partners International, LeapFrog and Google's Africa Investment Fund among investors.Source
    • HiringCredit and terminals: Field Credit Officers in seven states (posted September 23, 2026) "Engage customers to ensure optimal usage of accounts to allow them to qualify for access to credit"; a Head, POS Recovery owns non-performing terminals from "at risk" to retrieval and a "revive rate"; a Head, Innovation Hubs runs hubs at OAU, UNN and ABU universities.Source

Wildcards 2

Unexpected experiments, each with a cheap way to test it.

  • 20

    The talent marketing role must build a brand in Poland and Spain where Moniepoint is unknown, and a recent Moniepoint post about reconciling over 100 billion transactions reached Hacker News.

    Medium impactLow effort First result in 1 quarter Senior Principal

    First action

    Pick the first three topics with engineering leads.

    How to measure it

    Qualified engineering applicants from content

    Now
    –
    Target
    +30%
    By
    2 quarters

    Steps

    1. 1

      Pick topics

      Three.

      Senior Principal, Talent Marketing 1 week

    2. 2

      Assign authors

      Hub engineers.

      Senior Principal, Talent Marketing 1 week

    3. 3

      Edit

      Monthly.

      Copywriter monthly

    4. 4

      Publish

      Blog and dev platforms.

      Senior Principal, Talent Marketing monthly

    5. 5

      Present

      Meetups.

      Senior Principal, Talent Marketing quarterly

    6. 6

      Measure

      Applicants.

      Talent Acquisition Specialist monthly

    First result
    1 quarter
    Cost
    Writing time
    Owner
    Senior Principal, Talent Marketing

    Smallest test

    Publish the reconciliation story as a series opener.

    Why it works

    Publish a monthly engineering article (reconciliation, offline-first POS, fraud, reliability at 20 million users) by hub engineers, and present the best ones at local meetups.

    Technical depth attracts senior engineers and builds credibility with partners and investors at the same time.

    Risks and how to handle them

    • Security details

      Review every article for sensitive content.

    Evidence

    • HiringSenior Principal, Talent Marketing (Poland, posted September 21, 2026): builds the talent brand for the "newest engineering hubs (principally Poland and Spain)", where "Moniepoint is not yet an established consumer brand", through developer events and campaigns that convert attendees "into active, screened pipelines". Moniepoint lists about 148 open roles, many in engineering hubs in Poland, Spain, Portugal, Kenya, South Africa and Pakistan.Source
    • HiringMoniepoint's description in current posts: "Africa's all-in-one financial platform, helping 20 million businesses and individuals access seamless payments, banking, credit, cross-border, and business management tools each month"; "Nigeria's largest merchant acquirer"; "over $250 billion in digital payment transaction value annually".Source
    • HiringHead of Engineering, Sales Management Tools (posted September 10, 2026): MonieCRM runs "Moniepoint's 50,000-strong sales network", which "drives the overwhelming majority of company revenue"; the domain also covers partner management, rewards and "our marketing technology stack, including the engineering and customisation of Braze".Source
  • 21

    Moniepoint bought Orda in March 2026 and is turning it into Moniebook for Restaurants; Orda serves more than 1,000 restaurants, but payments still happen outside its system. Field Sales Leads are now hired to sell Moniebook to restaurants.

    Medium impactMedium effort First result in 2 quarters Moniebook Product Manager

    First action

    List Orda restaurants not yet taking payments through Moniepoint.

    How to measure it

    Orda restaurants converted

    Now
    –
    Target
    60%
    By
    2 quarters

    Steps

    1. 1

      List restaurants

      Payment status.

      Moniebook Product Manager 1 week

    2. 2

      Design package

      Terminal, account, credit.

      Moniebook Product Manager 1 month

    3. 3

      Onboarding

      One visit.

      Field Sales Lead, Moniebook 1 month

    4. 4

      Train agents

      Restaurant pitch.

      Field Sales Lead, Moniebook 2 weeks

    5. 5

      Convert

      By city.

      Field Sales Lead, Moniebook 1 quarter

    6. 6

      References

      Case studies for new restaurants.

      Copywriter 1 quarter

    7. 7

      Measure

      Revenue per restaurant.

      Analytics Manager, Marketing & Sales monthly

    First result
    2 quarters
    Cost
    Terminal and incentive costs
    Owner
    Moniebook Product Manager

    Smallest test

    Convert 50 Orda restaurants in Lagos.

    Why it works

    Offer every Orda restaurant a switch package: a Moniepoint terminal and account linked to orders and stock, settlement into the same dashboard, working capital based on sales, and a single onboarding visit; then use the converted restaurants as references for new ones.

    Converting an installed base is far cheaper than new acquisition, and payments inside the restaurant system raise revenue per merchant and switching costs.

    Risks and how to handle them

    • Chains have existing acquirers

      Start with independent restaurants and offer settlement speed.

    Evidence

    • News coverageMoniepoint acquired Orda, a cloud restaurant management platform, in March 2026; Orda serves more than 1,000 restaurants, is being rebranded Moniebook for Restaurants, and until now payments happened outside its system.Source
    • HiringField Sales Leads for Moniebook in Abeokuta, Anambra, Enugu and Kano (posted October 17, 2026): Moniebook is "The all-in-one business management software for retail and restaurant businesses" that sells, tracks inventory, keeps books and accepts payments, "Offline-first"; leads recruit and coach Field Sales Agents and get them "hitting activity targets within their first 30 days".Source
    • HiringCredit and terminals: Field Credit Officers in seven states (posted September 23, 2026) "Engage customers to ensure optimal usage of accounts to allow them to qualify for access to credit"; a Head, POS Recovery owns non-performing terminals from "at risk" to retrieval and a "revive rate"; a Head, Innovation Hubs runs hubs at OAU, UNN and ABU universities.Source
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Independent research. Programmable wrote this playbook from public sources, as they stood on October 22, 2026, and cites them throughout. Moniepoint did not commission, review or endorse it, and Programmable is not affiliated with Moniepoint. Company and product names are trademarks of their owners, used only to identify them. The ideas are suggestions and opinion, not professional, legal or financial advice, and not statements about how Moniepoint runs its business.

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30/60/90 roadmap

What to focus on in each month, and the ideas that carry it.

  1. Days 1 to 306 ideas

    Core Web Vitals and accessibility fixes, one CAC table, Moniebook offers to POS merchants, cashback experiments and coded regional activations.

  2. Days 31 to 6011 ideas

    Agent rewards on activity, terminal revival, credit readiness, Kenya founding merchants and content, Braze journeys, MonieWorld invites, video education, business guides and campus ambassadors; start the engineering blog.

  3. Days 61 to 904 ideas

    Commit to merchant-funded offers, the Kenya market-entry kit and diaspora savings and credit; convert Orda restaurants to Moniepoint payments.

The research behind the plan

3 research areas, each summarised in a few lines. Open any of them for the full detail.

Customers

What customers say

Customers value reliable POS terminals and fast settlement. The most cited problem: failed or delayed transactions.

  • Access to business credit
  • Network and data costs
  • In their words: “POS”

Market

Competitive landscape

4 competitors compared: OPay, PalmPay, Kuda and LemFi.

  • Gap to exploit: Offline-first business software for small merchants
  • OPay: Less business software depth
  • PalmPay: Merchant tools

Hiring signals

Moniepoint is hiring to make growth measurable and to deepen its network.

  • Analytics Manager (Marketing & Sales): CAC per channel and funnel ownership. Ideas 1, 3.
  • Head of Engineering, Rewards: Rewards beyond cashback for 23M users. Ideas 5, 7, 17.
  • Field Sales Lead (Moniebook): Moniebook field acquisition. Ideas 4, 21.

From the team that wrote this playbook

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