The Concept Is An Innovative Solution To Address The Problem Of Financial Exclusion In Nigeria And Sub-Saharan Africa. The Concept Is A Hand-Held NFC-Enabled Device That Can Send And Receive Money Online And Offline, Allowing Unbanked Individuals To Access Financial Services, Make Digital Payments, And Save Their Earnings. The Slim Design Of The Device Allows It To Be Attached To The Back Of Smartphones, Making It Convenient To Carry Around.