Chams Holco. Plc

Chams is Nigeria’s pioneering identity management and technology solutions provider, with a legacy of innovation spanning over 39 years. As a trailblazer in the industry, Chams has been at the forefront of delivering cutting-edge solutions in identity management, payment processing, e-governance, and digital security.

Through its subsidiaries—ChamsSwitch, ChamsMobile, CardCentre Nigeria Limited, and ChamsAccess, the Group provides a diverse range of technology-driven services:

• ChamsSwitch: Provides e-payment infrastructure support, offering payment switching, processing, remittances, and financial services. It holds four key licenses:

  • Payment Solution Service Provider (PSSP)—Enables secure digital payments for merchants and businesses.
  • Switching License—Facilitates transaction processing, including UnionPay services.
  • Payment Terminal Service Provider (PTSP)—Supports the deployment and management of Point-of-Sale (POS) terminals.
  • Super-Agent License—Enables agent banking services for financial inclusion.

• ChamsMobile: A leading mobile financial services provider, operating Kegow, a mobile banking and payment platform. ChamsMobile holds Nigeria’s highest Mobile Money Operator (MMO) license and offers financial solutions such as:

  • Payroll Processing & Business Solutions via Kegow Business
  • Pension Verification solution ("I'm Alive")
  • Voting Solutions for secure digital elections

• CardCentre Nigeria Limited specializes in the production and personalization of smart cards, including:

  • SIM Cards
  • Financial Cards (Debit, Credit, and Prepaid Cards)
  • Identity Cards for government and corporate organizations
    It delivers comprehensive solutions in identity management, digital security, and payment card personalization.

• ChamsAccess: A leading provider of biometric and security solutions, offering:

  • Sales and maintenance of fingerprint scanners and Bank Verification Number (BVN) enrollment machines
  • PenCentral, a pension remittance platform for seamless pension payments
  • Secure Kids, a child monitoring and safety solution

With a strong track record of delivering large-scale national projects, such as Nigeria’s first e-ID card scheme and the Bank Verification Number (BVN) enrollment, Chams continues to redefine digital transformation in Africa. Our vision is to be the trusted leader in identity and payment solutions, creating value for businesses, institutions, and individuals through innovation, excellence, and integrity.