500,000+ Mthly app uses, 97% retention; 14-days rate doubled the daily downloads rate. Emailmoni is the bank-featured app on hyper-high-traffic, nation-wide Bet9ja site. Emailmoni will be at 1.0 mil. transactions per month rate, likely this month. Nigeria is Cashless-oriented, so even the company may have underestimated the new usage rate, compared with any other nation on earth. UBA Bank offers 458 branches to a 200.0 mil. level population. Then it offers banking in twenty other nations. Emailmoni becomes the brick and mortar branch for everyone. especially in rural areas. More likely the bank intends that. The nations create Consumer Economies!