Aella MFB vs CRC Mobile

Aella MFB takes the hassle out of Finance - whether you are a business or an individual, we put control back in your hands with simple, straightforward products. Our "true north" is designed to help customers build financial independence by building simple products; loans, investments, bill payments, micro-insurance plans, and peer-to-peer money transfers. Why Aella MFB? We exist to simplify and open up financial access for all in emerging markets - by leveraging technology and widespread mobile adoption, we build products to make an impact at the frontier of Financial Inclusion. Our app has a feature for verifying addresses, which requires the ability to monitor regions and receive location updates in the background. This feature is essential for accurately verifying a user's address and providing access to higher loan limits and tier 3 level transaction limits. We have created a video showcasing this feature, which we have attached for your reference. You can see in the video how the app monitors a user's location and registers a region around their address. Once the user has visited the region a certain number of times, the address is verified. We understand that enabling the "Location" background mode can have an impact on battery life, and we have taken steps to minimize this impact. For example, we only monitor regions that are explicitly registered by the user and don't monitor location updates when the user is outside registered region. We believe that our use of the "Location" background mode is essential for the core functionality of our app and we have demonstrated this in the video.

CRC Mobile CRC Mobile is a comprehensive financial services and e-commerce application developed by CRC Credit Bureau, one of Nigeria's leading credit reporting agencies. The app provides a unified platform for digital wallet management, utility bill payments, professional course enrollment, and access to credit reports and financial products. CREDIT REPORTS & FINANCIAL PRODUCTS Browse and purchase individual and corporate credit reports directly from CRC Credit Bureau. Access trending reports, view detailed product descriptions, and complete purchases using your preferred payment method. Stay informed with the latest updates and news from CRC through the in-app content feed. CFEC PROFESSIONAL COURSES Explore and enrol in professional development courses offered by the CRC Financial Education Centre (CFEC). Browse available courses by category, view detailed course information including schedules, formats (online, in-person, or hybrid), pricing, and duration. Complete your enrollment and payment seamlessly within the app. SHOPPING CART & CHECKOUT Add credit reports and financial products to your cart, apply coupon codes for discounts, review your order summary, and complete checkout. The app supports multiple payment methods including card payment via Paystack, wallet payment, and bank transfer. TRANSACTION HISTORY View your complete transaction history with detailed records of all payments, purchases, and wallet activities. Filter transactions by status (successful, pending, or failed) and tap any transaction to view its full details. SECURE AUTHENTICATION Your account is protected with robust security features: Email and password login with strong validation Biometric authentication support (fingerprint and Face ID) for quick and secure access Automatic session timeout after 10 minutes of inactivity to protect your account Account deactivation option available in settings PROFILE MANAGEMENT View and manage your personal information, access privacy and security settings, get help and support through the integrated helpdesk, and learn more about CRC Credit Bureau through the About section. DIGITAL WALLET Manage your funds with a built-in digital wallet. Fund your wallet instantly using your debit card or bank transfer, view your real-time balance, and use your wallet to make payments across all services within the app. Your balance can be hidden for privacy with a single tap. BILL PAYMENTS Pay your everyday utility bills directly from the app: Airtime top-up for all major Nigerian networks (MTN, Airtel, Glo, 9mobile) Mobile data bundle purchases across all supported networks Cable TV subscription payments (DStv, GOtv, StarTimes, and more) Electricity bill payments for prepaid and postpaid meters across all major distribution companies Educational institution payments Each bill payment includes real-time customer verification, confirmation of details before payment, and instant transaction receipts. PAYMENT OPTIONS The app supports flexible payment methods across all services: Debit/credit card payments processed securely via Paystack Wallet payments using your funded in-app wallet balance Bank transfer options for wallet funding KEY FEATURES SUMMARY Buy individual and corporate credit reports Enrol in CFEC professional development courses Shopping cart with coupon code support Complete transaction history with filtering Fund and manage your digital wallet Purchase airtime, data, TV subscriptions, and electricity Real-time customer verification for bill payments Auto-logout for account security Secure payment processing via Paystack CRC Mobile is developed and maintained by CRC Credit Bureau Limited, a licensed credit bureau regulated by the Central Bank of Nigeria.