2016
Etisalat Nigeria
Etisalat Prize for Innovation
Recognising innovation in telecom-integrated digital services.
VAS
99.2%
USSD
99.4%
Pay
99.1%
Who we are
Founded in 2010, Cloud Interactive Associates Limited (RC 895353) designs, deploys, and operates telecom-integrated digital platforms — across subscriber engagement, transaction processing, agency banking, and now regulated airtime & data lending.
Our work spans three core domains: Value-Added Services, SaaS & Digital Infrastructure, and Agency Banking & Digital Financial Services. From the Airtel Jollof Recharge Boost to 9PSB's full digital banking stack, our platforms run inside the institutions that move Africa's economy.
By the numbers
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Years operating since 2010
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Enterprise & institutional clients
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MNO & bank integrations
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Subscribers reached cumulatively
0
Countries — Nigeria & Ghana
Indicative — final metrics confirmed by the CIA team before launch.
What we do
A focused suite of services engineered for African telcos, banks, lenders, and enterprises — productised, regulated, and proven in production.
Operator-integrated services running directly inside MNO billing & messaging environments — recharge boosts, loyalty, and campaigns.
ExploreOur proprietary Credit Service Delivery Platform — connecting telecom operators, lenders, and subscribers for compliant micro-credit at scale.
ExploreBespoke core banking, agency networks, and digital banking infrastructure — delivered to PSBs, microfinance banks, and commercial banks.
ExploreLoyalty and engagement programmes for major industrial groups — from FMCG to media — with measurable, audited outcomes.
ExploreThe connective layer between telco billing, settlement rails, and enterprise systems — secure, observable, audit-ready.
ExploreOperational monitoring, regulatory reporting, and consumer-protection workflows aligned to FCCPC, NCC, and NDPR expectations.
ExploreIndustries we serve
Our platforms run inside telcos, banks, insurers, lenders, and enterprises with hard regulatory and uptime requirements. Click any industry to see real-world use cases.
Licences & Compliance
CIA holds active authorisations across Nigeria's communications, data protection, and financial services regulators — most recently the FCCPC Airtime & Data Lending Service licence. The right rails to build serious products on.
See full compliance overviewNDPR
Trust Mark — data protection
NCC
Nigerian Communications Comm.
NIBSS
Inter-Bank Settlement
NITDA
National IT Dev. Agency
ISO 27001
Aligned controls
FCCPC
Airtime & Data Lending Service
Leadership & Management
A telecom-integrated digital service provider is only as credible as the people behind it. Our directors and key management bring deep telecom, fintech, governance, and engineering experience to a regulated, scalable business.
Co-Founder · CEO
WASPAN Governance Board
Technology entrepreneur and senior executive with extensive experience building and scaling digital platforms across telecom, fintech, and mobile commerce. Provides overall strategic leadership, commercial direction, and corporate governance oversight; leads regulatory engagement, operator partnerships, and commercial structuring for the FCCPC airtime & data lending service. Cross-border exposure across African, U.S., and European markets in digital infrastructure and financial services.
Co-Founder · CTO
BSc Elec/Elec Eng., OAU · Cranfield Pathways
Telecommunications and fintech executive with 20+ years of experience designing, launching, and scaling digital and payment infrastructure across Nigeria. Provides executive oversight of technology governance, systems integration, and regulatory alignment; supervises integration of the licensed platform with Nigerian MNOs. Also serves as Director at UCARD Innovations (B2B agency banking infrastructure) and Interestmax (AI-powered liquidity intelligence for diaspora markets in UK, Nigeria, and the U.S.).
Chief Compliance Officer
ACA · ACTI · M.Sc Accounting
Chartered Accountant and Tax Practitioner with significant experience in audit, regulatory compliance, financial reporting, and corporate governance. Provides independent oversight of the compliance framework and internal control environment; supports policies on regulatory reporting, financial transparency, record-keeping, and customer treatment in line with FCCPC requirements. Associate of ICAN and CITN.
Chief Operating Officer
Lagos Business School · BSc Applied Chemistry
Senior operations executive with leadership experience across energy, infrastructure, media, and commercial services. Oversees operational structuring, service delivery frameworks, and institutional readiness for the airtime & data lending operations. Implements operational governance standards, coordinates cross-functional execution, and reinforces performance management systems within regulated environments.
Head, Finance & Accounting
M.Sc Financial Technology, Manitoba
Finance and operations professional with experience spanning accounting, financial services, digital infrastructure, and telecommunications. Strengthens financial controls, supports compliance frameworks, and implements data-driven performance systems aligned with evolving regulatory and digital finance standards. Expertise in accounting operations, market expansion, and operator partnerships.
Chief Commercial Officer
DTech, Woolf · Financial Economics & Computational Sciences
Operations executive with extensive experience across financial services, digital infrastructure, and telecommunications. Oversees operational efficiency, revenue growth initiatives, and technology-enabled process improvement. Advises on service optimisation, internal governance structures, data-driven decision-making frameworks, and customer experience standards designed to ensure operational excellence and regulatory alignment.
Legal & Regulatory Adviser
Formerly Detail Commercial Solicitors · Cowry Asset Management
Commercial and regulatory lawyer supporting the company's legal and governance framework for the telecom-integrated airtime and data advance service. Advises on contractual structuring, regulatory compliance, data protection obligations, and corporate governance matters relevant to FCCPC and NCC requirements. Previously Associate (Team Lead) at Detail Commercial Solicitors, working on capital markets transactions, structured financing, infrastructure projects, and corporate restructuring.
Industries · Telcos
We design, deploy, and operate operator-integrated services that run directly within MNO billing and messaging environments. We hold technical integration experience with multiple licensed Mobile Network Operators in Nigeria and have operated services in Ghana.
Use case
Active telco loyalty service running with Airtel Nigeria.
Capability
Deployed across MTN, Airtel, Glo, and 9mobile billing infrastructure.
What we deliver: structured operational monitoring, incident handling, and coordinated interaction with operator technical and customer-care teams — service configuration, eligibility logic, consumer safeguards, and regulatory reporting obligations all owned end-to-end.
Industries · Financial Services
We deliver complete digital banking infrastructure to licensed financial institutions and operate our own agency banking network. Our work spans payment service banks, microfinance banks, and commercial bank technology stacks.
Use case
Complete digital banking infrastructure for 9mobile's Payment Service Bank.
Use case
Bespoke purpose-built core banking platform.
Use case
CIA's own agency banking network, run with VFD Microfinance Bank.
Industries · Lending
Our proprietary Credit Service Delivery Platform (CSDP) is the middleware connecting telecom operators, lenders, and subscribers for compliant micro-credit distribution at scale. Operating under the FCCPC Airtime & Data Lending Service framework, with consumer-protection safeguards aligned to NCC and NDPR requirements.
What CSDP does
Compliance posture
CSDP at a glance: the licensed foreign platform provider integrates through CSDP to Nigerian MNOs. Cloud Interactive owns service configuration, eligibility logic, consumer safeguards, operational monitoring, and regulatory reporting — under executive management supervision, legal oversight, and independent compliance monitoring.
Industries · Enterprise
We build loyalty and customer-engagement programmes for FMCG groups, media, and industrial conglomerates — with measurable, audited outcomes. Our platforms manage high-volume campaigns spanning millions of participants over multi-month windows.
Use case
End-to-end loyalty airtime campaign for the Dangote Group.
Capability
Loyalty and engagement programmes for major industrial groups including Forbes Nigeria.
Featured Case Studies
A snapshot of recent engagements. Full project references, audited financials, and due diligence documentation are available on request.
| Project | Client / Partner | Period | Value / Scale |
|---|---|---|---|
| Airtel Jollof Recharge Boost | Airtel Nigeria | Feb 2024 – Present | ₦3.01 Billion |
| UCard Agency Banking | VFD Microfinance Bank | 2022 – 2025 | $21 Million |
| 9PSB Digital Banking | 9mobile / 9PSB | 2020 – 2021 | $3.1 Million |
| Dangote Loyalty Campaign | Dangote Group | Jun – Oct 2020 | ₦1.5 Billion |
| Advans Lafayette MFB | Advans Lafayette MFB | 2021 – 2022 | $160,000 |
Cumulative
₦4.5B+
campaign turnover delivered
Cumulative
$24.3M+
digital banking throughput
Operators
4 / 4
major Nigerian MNOs integrated
Awards & Recognitions
Etisalat Nigeria
Recognising innovation in telecom-integrated digital services.
Africacom Awards
For excellence in digital content delivery across African telecom markets.
WASPAN — Wireless Application Service Providers Association of Nigeria
Cloud Interactive's Chief Executive Officer serves on the Governance Board, contributing to industry standards, policy dialogue, and sector development within the telecom and digital services space.
News & Insights
Marking a new chapter in our regulated journey — and unlocking richer products for our partners.
Lessons from running a ₦3.01B telco loyalty service end-to-end on operator infrastructure.
A walkthrough of CSDP — the middleware behind compliant micro-credit at scale.
Partner with us
Tell us what you're trying to build — telco partner, bank, lender, or enterprise. We'll get back to you within one business day.