Agency Banking services refer to the delievery of financial services (e.g money transfer, cash withdrawal, Account Balance, Bank Account Opening etc) outside conventional bank branches by using retail outlets (Supermarket, Grocery, Pharmacy, Bookshop, Filling Station, etc) that rely mainly on POS or mobile phone (STK) technologies for realtime transactions.

Africa Mama ATM (Nig.) Limited provides agency banking services, is an offshoot of Helpline Telecoms Nig. Ltd. It was incorporated in the year 2014 (with registration number RC. 1214520) to service FINTECH business sector with a product name known as mamaATM.

mamaATM is an advanced pos terminal (model: Visiontek GL11) plus Pin-Pad, designed and developed to provide agency banking and other utilities services with embeded cutting edge technologies to process payment cards such as; Visa Card, Verve Card and Master Card. It was certified by NIBSS (Nigerian Inter-Bank Settlement System) Ltd.