O3 Capital Nigeria Limited (O3 Cards) is a non-bank financial institution and the first non-bank credit card issuer in Nigeria. It offers credit and prepaid cards on Verve and other schemes, catering to individuals, SMEs, and corporate customers. The company aims to promote a cashless economy in Nigeria. Its target audience includes the growing middle-income segment seeking micro-credit facilities. The unique selling proposition is providing convenient payment solutions and fostering a culture of credit card usage in Nigeria, with a focus on customer-centric products and innovation[1][2][5].