Digital Payments in Nigeria: Empowering Financial Inclusion in the Modern Era

In the modern era, financial inclusion is no longer a luxury but a necessity. Access to financial services, especially in emerging economies like Nigeria, plays a pivotal role in improving the livelihoods of the underprivileged and driving economic growth. As a result, digital payments have emerged as a potent tool in achieving these goals. 

Digital Payments methods

Understanding Financial Inclusion

To begin with, financial inclusion is the process of ensuring that individuals and businesses have access to affordable, convenient, and secure financial services. These services can range from simple savings and payment accounts to more complex financial products like loans and insurance. In the context of Nigeria, achieving financial inclusion is crucial due to the significant portion of the population that remains unbanked or underbanked.

To demonstrate this, the World Bank’s Global Findex Database reported that, as of 2017, only 40% of adults in Nigeria had access to formal financial services. The government and various stakeholders recognized this as an issue that needed to be addressed. Digital payments are seen as a means to bridge this gap.

The Rise of Digital Payments in Nigeria

  • MOBILE PHONE PENETRATION

First and foremost, Nigeria has one of the highest mobile phone penetration rates in Africa. According to the Nigerian Communications Commission (NCC), there were over 196 million mobile subscribers in Nigeria as of 2020. This widespread use of mobile phones serves as the foundation for digital payment systems.

  • GOVERNMENT INITIATIVES

Moreover, the Central Bank of Nigeria (CBN) has actively promoted financial inclusion through various policies and initiatives. The “Cashless Nigeria” policy and the “National Financial Inclusion Strategy” have played crucial roles in encouraging the adoption of digital payments.

  • FINTECH INNOVATION

Furthermore, the rise of fintech companies in Nigeria has introduced a wave of innovative financial products and services. These companies have leveraged technology to provide digital payment solutions that cater to the needs of a wide range of customers, including those in underserved and rural areas.

Key Digital Payment Methods in Nigeria

Digital payments have had a transformative impact on financial inclusion in Nigeria. Here are some of the ways in which they have empowered individuals and businesses:

  • ACCESSIBILITY:

In particular, digital payment methods are accessible to individuals regardless of their location. Rural and underserved areas have seen a significant improvement in access to financial services through mobile apps and USSD banking.

  • AFFORDABILITY:

Also, digital payments are often more cost-effective than traditional banking. There are fewer fees associated with maintaining digital wallets or conducting transactions through mobile phones.

  • SECURITY:

Digital payments provide a secure way to store and transfer money, reducing the risks associated with carrying cash.

  • INCLUSION OF INFORMAL SECTOR

Many individuals engaged in the informal sector, such as small traders and artisans, now have access to financial services, enabling them to save and grow their businesses.

  • FINANCIAL LITERACY

The use of digital payments has contributed to an increase in financial literacy among Nigerians. Users become more familiar with banking concepts and practices through regular use.

Challenges and Opportunities

While digital payments have made significant strides in Nigeria, several challenges and opportunities remain:

  • INFRASTRUCTURE AND CONNECTIVITY

Limited access to the internet and mobile network coverage in some rural areas can hinder the growth of digital payments. Investments in infrastructure are needed to address this issue.

  • CYBER-SECURITY

With the growth of digital payments, the risk of cybercrimes and fraud has also increased. There is a need for robust cybersecurity measures and awareness campaigns to protect users.

  • FINANCIAL LITERACY

Despite the increase in financial literacy due to digital payments, there is still a need for educational campaigns to enhance users’ understanding of digital financial services.

  • PARTNERSHIP

Collaboration between financial institutions, fintech companies like Vtpass, and telecom operators can foster the development of innovative solutions and improve financial inclusion.

  • CROSS-BORDER TRANSACTION

Enhancing the capabilities for cross-border digital transactions can facilitate international trade and the influx of remittances.

CONCLUSION

Digital payments in Nigeria have emerged as a powerful tool in advancing financial inclusion. The widespread adoption of mobile phones, coupled with government initiatives and fintech innovation, has enabled millions to access affordable and secure financial services. While challenges remain, the future looks promising as the digital payments landscape continues to evolve, making strides in improving the financial well-being of Nigerians and propelling the nation towards greater economic growth. Financial inclusion is not just a buzzword but a tangible goal within reach, thanks to the modern era of digital payments.

To conclude, as Nigeria continues to develop its digital payments ecosystem, it is imperative that all stakeholders – government, financial institutions, fintech companies, and consumers – work together to overcome challenges and seize opportunities to ensure that financial inclusion becomes a reality for all. The journey has begun, and the destination is a more prosperous and financially inclusive Nigeria.

SHOULD I LEAVE MY MONEY IN A BANK?

Most people have learned the benefits of setting money aside for unexpected expenses. Want to hear something absurd, though? The majority of deposits today result in losses.

But, surprisingly, even with these losses, people still insist on saving money for future use.

How is that possible? The reality is that your money will actually be WORTH LESS in the future than it is now. This is if interest rates, which the bank pays you in exchange for deposits, are lower than inflation. Saving money is still how we accumulate funds for significant life events like weddings, a first home, or a family emergency. This doesn’t mean saving is bad. And it is obvious without saying that depositing money in a bank is much safer than hiding it under a mattress.

It is also noteworthy that current accounts in Nigeria accrue no interest irrespective of the tenor the money is kept.  

Your money in a bank account can only yield 3% per annum. Instead of keeping your funds in a savings account with a commercial bank, here are 3 ways to use your money well.

OPEN A FIXED DEPOSITT:

The majority of people don’t know about fixed deposit accounts. Investment deposit accounts are different from savings and current accounts because they are investment accounts. By investing your money at an agreed rate within a specified period of time, you’re reinvesting your money at a fixed rate. Depending on the institution, accrued interest rates may differ.

Fixed deposit accounts are attractive because they provide a guaranteed return on your investment, as long as you leave your money in the account for the entire duration of the fixed period. This means that you can be sure that your money will be safe and that you will make a profit at the end of the period.

In certain conditions, you can terminate your tour account before the due date, known as tenor. 

CONSIDER INVESTING IN BUSINESS OR START –UPS

You can utilize your capital in running a side business, or work streams that bring passive income. You can take part in a start-up if you have enough capital. With this you have the opportunity to invest in high growth companies for the future. 

This can be a great way to increase your income without having to put in the same amount of time as a full-time job. And, if you are investing in start-ups, you can potentially get a great return on your investment and benefit from the growth of the company.

INVEST IN STOCKS AND BONDS

Diversify your portfolio in your investment journey. Having all your money in one investment increases risk. If that single investment fails, all your money could be lost. Investment is a long term strategy for building wealth The most successful investor invests early, then allows the money to grow for many years before using it. Invest in diverse forms, and you will know what to do next. 

Diversification helps to spread out the risk of your investments. By investing in a variety of different assets, you can mitigate the risk of any single investment failing drastically. This allows you to create a more stable portfolio that can handle market fluctuations over time, while still allowing you to benefit from the growth of your investments.

No matter what you are saving or investing in, have a specific set of goals. Know what you are working towards, as this will focus your spending and motivate you.

If you are looking for a strong motivation to propel you into doing more, then it would be good news to know that vtpass.com can provide the incentive for you to work faster and more convenient. At vtpass.com, we make for quick and convenient means of paying all pending bills. Just by logging in to ppp.vtpass.com, you can pay for your phone airtime- Etisalat, AirtelMTNGLO; your TV subscriptionelectricity billsdata subscription and so on.

Smile Internet FAQ & Answers

Not the literal smile 😂. The Smile Internet is an internet provider that provides broadband connections that is reliable, stable, and high-quality.

How can I buy a new router ?

You can buy a Router online under the Deals section or you can visit any certified Smile shop. You can also ask a representative from Smile to contact you by completing a contact form on the website.

Smile data now available on VTpass

What should I bring to successfully complete my KYC?

To complete your KYC successfully, please visit a Smile outlet that is a “certified KYC” store. Bring your Nigerian ID document or Passport if you are a foreigner. We will take a portrait photo in-store as well as biometrics. If you are a Nigerian Citizen please also bring your National Identification Number (NIN) with you.

What do I do if I’m repeatedly disconnected or experiencing slow speed?

Check for any appliances with magnetic fields in the vicinity, e.g. microwaves, ovens, disc satellite antennas, and redirect the router away from them. Try to move your router location while checking the signal indicator bar on your router. Two signal bars and above are sufficient to have a good browsing experience.

How do I set up the Smile 4G LTE router?

The Smile LTE router is a plug-and-play device. Just plug the router into a power socket, switch it on and either connect to your PC with a LAN cable or connect with your PC or mobile via Wi-Fi. The Wi-Fi- router password is on the back of the device.

How can my business securely connect remote devices to my network?

Remote devices like ATMs and Point-of-Sale terminals can access the back-end systems on your network via a Smile Corporate APN solution.

Read more. Pay your smile internet data connection here.

HOW TO MANAGE YOUR MOBILE DATA BETTER

Data is life, or so you have heard from the famous Airtel television adverts. I often wonder how people cope without internet access due to the lack of data plan or not being able to manage your mobile data. The internet has become an integral part of our lives. As it provides us with access to information that was previously inaccessible. It’s also a powerful tool for connecting with people, for entertainment and for sharing ideas. Without internet access, many feel like they are missing out on so much.

And they are, they are missing out on so much. The Super Bowl was yesterday. Champions League continues this week, China accused the U.S. of flying a balloon over its (China) airspace. A lot of events have happened and are happening around the world that one should be aware of.

This blogpost intend to emphasise the importance of having mobile data on your smartphone at all times. These days, mobile data is money. If you don’t optimise your phone to handle it intelligently, you’re throwing dollars down the drain.

So, here are some insightful ways that can help you manage your mobile data:

Understand your data usage: To solve a problem, you need to understand the origin of that problem. What happens here is totally dependent on the model and type of phone you currently use. Basically, whatever model of Android phone you use, you can check your data usage from the settings. When you click on settings, find mobile data usage or app data usage. When you click on the icon, you will get a detailed overview of what actions, applications have been consuming your mobile data.

In addition, you will see the rate of increase over the past 30 days. In most cases, apps that consume a large amount of data are apps that involve streaming audio and videos. Social media applications fall into this category. Make a mental note of these apps. You will know what to do with them soon. Look closely at the graph. It gives you a breakdown of the data usage of all applications installed on your smartphone. This includes those that run in the background without you needing to open the app.

Reviewing mobile data usage to manage your data usaga

Remove all auto-play and ‘auto-download’:

This is a notorious culprit in the data hoovering business. To curb this, open all your social media platforms, locate their settings, and turn off the ‘auto-play’ and ‘auto-download’ menus. Videos are among the most voracious consumers of data, and social media sites play them without your permission. But guess what? It doesn’t take much effort to change that.In the Facebook Android app, if you open the main menu, tap “Settings & Privacy,” then tap “Settings” followed by “Media,” you’ll find a series of controls that’ll reduce the size of images and videos and keep videos from playing on their own. On Twitter, you’ll find similar options in the “Data Usage” section of the app’s settings.Most social apps have similar settings, even if they require a bit of digging.

Compress your mobile web experience:

Next up is an easy fix: making your browser less of a data hog. It can save a significant amount of data — as much as 60%, according to Google’s estimates — and actually make your browsing noticeably faster as a result. (Note, however, that it doesn’t work with Chrome’s Incognito Mode). To try it out, go into Chrome’s settings and look for the line labeled “Lite Mode.” Tap it, then make sure the toggle there is activated.If you want even more data-saving tools, try Opera Mini. The browser offers its own form of remote page compression and provides a variety of settings to control how much optimisation occurs.

Optimise your music apps: You use Spotify or Youtube music? Turn down the audio quality to low. This will assist you manage your mobile data better. Make sure your music app consumes as little data as possible. Try setting it to “Low” and then see if the more data-friendly audio quality is good enough for your ears.While you’re in the settings, take a moment to confirm that the “Limit mobile data usage” and “Don’t play music videos” options are activated. Be sure to look through the settings of any such apps on your phone to make certain they’re configured in the most data-efficient manner possible.

Try the light versions of apps and websites:

A growing number of services now offer scaled-down versions of apps — apps designed explicitly to use less data while still delivering reasonably enjoyable experiences. Even if you aren’t overly worried about your mobile data usage, you might find some of them to be preferable to the regular alternatives.Google has an entire suite of “Go”-branded apps for this very purpose, and as of this writing, four of them are broadly available: Google Go, Google Maps Go, Navigation for Google Maps Go, and Gallery Go.

(The others — including Gmail Go, Google Assistant Go, and YouTube Go — are currently available only for Android Go devices.) Facebook also offers light versions of its main Facebook app and Facebook Messenger app. Instagram has launched Instagram Lite. These apps are specifically designed to take up less storage space and data than their full versions. This makes them more accessible to people with limited phone storage or data plans. This will help you manage your mobile data.

Put the Play Store on notice:

App updates are a breeze! They’re also, however, often large — and if you aren’t careful, they can use a lot of your mobile data allotment. Make sure that isn’t happening by opening up the Play Store on your phone, tapping your profile in the upper-right corner, then selecting “Settings” followed by “Network preferences”. There, you can ensure that the “Auto-update apps” option is set to “Over Wi-Fi only” and also that “Auto-play videos” is set to “Over Wi-Fi only.” If you really want to go all out, you can also change “App download preference” to either “Over Wi-Fi only” or “Ask me every time” and then avoid downloading any apps on mobile data unless it’s absolutely necessary.

Download media in advance: The most effective way to cut back on mobile data streaming is to avoid it — and many multimedia apps make that easy to do. The trick is simply to download the content you want in advance, while you’re connected to Wi-Fi. So it’ll be locally stored and available whenever you’re relying on mobile data. And don’t forget that if you subscribe to YouTube Premium or YouTube Music Premium, you also have the ability to download videos from YouTube for on-the-go viewing (and that applies on your Chromebook, too, if you’re crafty).

Look in the “Background & downloads” section of the YouTube app’s settings to adjust your offline watching settings. Then tap the three-line menu icon next to any video on the YouTube home screen to find the download option (or open the video and then look for the Download button directly beneath its title). Spotify and other audio streaming services also offer similar options.

Optimise Account Sync Settings:

Your account sync settings are set to auto-sync by default. Keep auto-sync disabled for data-hungry apps like Facebook and Google+, which use sync services to sync files like photos and videos. Google constantly sync’s your data when a change is made. Most of these sync services might not be required. This background sync service affects both your data consumption and battery life.To adjust your sync setting, go to Settings>>Accounts. There you can fine-tune sync settings for different apps. To optimise Google sync, tap on Google, and turn off the options you don’t require.

If the steps are followed, it is believed that you will be able to manage your mobile data better. Meanwhile,  bills payment with ppp.vtpass.com is superfast, easy and very convenient. In addition, you get 24/7 access to our support team to help you through any glitch you might have. Why don’t you try us today?

Common Questions About International Airtime Answered

In this resource, we have common questions about International Airtime answered. That’s right. There are so many questions. We approached them and gave adequate answers. Yes. That’s exactly what we do. So lets get started.

Firstly, What is International Airtime?

International airtime is also called foreign airtime. It is simply airtime for countries other than yours. In this case, Nigeria. For example, Ghanaian airtime qualifies as international airtime. UK, United States, China, etc.

Secondly, Who Can Use It?

Anybody and everybody. Contrary to what you may have heard, anyone can use this product. You do not have to be traveling to buy International Airtime. Neither do you need to be vacationing. You simply need to have someone overseas. That’s all. An uncle, aunt, sibling. Maybe even a friend. You can simply buy International Airtime for them.

Thirdly, Why Would I Use It?

I know right? Why would I need to buy International Airtime for anyone overseas? I thought so too. The answer would surprise you. You might want to buy for a family member who is schooling. You could buy for a friend who recently relocated and is just trying to adjust to life. Possibly, you could be in a financial fix during your vacation and use it to settle some bills. There’s more here.

Where Can I Get It?

Subsequently, the most trusted platform to get International Airtime inn Nigeria is on VTpass. VTpass is the fastest and most reliable bills payment platform in Nigeria. It offers you superfast payment and immediate value on transactions. What more? You can get International Airtime on VTpass.

What Countries Can I Buy International Airtime For?

Consequently, you can buy International Airtime for almost all countries in the world on VTpass. That’s right. As a matter of fact, there are over 100 countries available on VTpass. You can see all available countries here.

How Do I Pay?

In the same vein, this is simple. For instance, lets say you buy airtime for UK on VTpass. Firstly, you select the country. Secondly, you select the operator. Next, you select the operator type/value amount you want to buy. Our system then helps you convert that amount to its Naira equivalent. That means, you get to pay in Naira.

Similarly, the process repeats itself for any country you are buying for. Our system will automatically convert it to its Naira equivalent. This means you get to pay in Naira.

In conclusion, you should get International airtime on VTpass for easy payment and immediate delivery of value. In the same vein, you can also buy airtime and data, pay other TV subscriptions and electricity bills, buy insurance covers and pay education bills on VTpass.

That’s it about common questions about International Airtime answered. Did we leave out any? Do let us know by dropping a comment. We’ll be glad to answer that also.

How International Airtime Got Me Money

This is a true life story about how the International Airtime got me money during this Easter Festive period. No cap. So, Easter was fast approaching. I was in a fix as I needed to host my babe for the period. Man was a little low on cash. Ok, not a little, a lot. Man was extremely dry. I needed a miracle!

I looked through my contacts. Lol. It is when you are broke that you will realise it is phone numbers you have, not contacts. Contacts can help. Phone numbers, well, let’s not go there. Well, there I was. Swimming in contacts, until I saw the contact of my uncle who was in the U.S. Boston, to be precise. Ok, could this be a way out?

Firstly, it had been a long time since we had spoken. The last time we spoke was 7 years ago, when I was asking him for financial help and he stopped responding to my chat. That meant I needed a way in. It would be wrong for me to just go in guns blazing and ask for money. I wasn’t raised to be a beggar, but I needed help.

Secondly, I needed an angle. That was when it hit me. A stroke of genius. Like Oga Sabinus, the plan formed in my mind. VTpass had a product on their platform called International Airtime. I could simply purchase airtime for this my uncle, then say hi to him online. Let him know that his thought crossed my mind and I just thought to recharge his line with something light. It should work, I thought…or hoped!

What Happened Next…

Consequently, within seconds, I was done. Immediately, I sent my uncle the receipt, along with a message checking up on him, wishing him the best and to let him know that he was in my prayers. I am such a bastard liar, gosh! Moreover, I actually started praying. My little money should not just go down the drain.

Guess what happened next? My Uncle started typing. Immediately at that! Imagine my shock. I thought this man was so busy. He responded, telling me that was so thoughtful of me. Of course. I’m so full of thoughts normally. lol. Next thing I know, he’s asking for my email address and my account number. Oshey! Uncle don ask for my aza ooo.

Long story short, that is how my last 2k that I used to buy International Airtime for my uncle got me 50k in return. See how International Airtime got me money. Easter don soft. Now look at me thinking, who else do I have in the abroad. I have found a new way to bill them.

I used VTpass. VTpass is an online bills payment platform where you can buy airtime and data, pay other TV subscriptions and electricity bills, buy insurance covers and pay education bills. Most importantly, you get a variety of payment options and instant value! Use VTpass to send International Airtime to your uncles in the abroad and see if it won’t work wonders for your bank account.

How To Buy International Airtime For Friends & Family In The Abroad

Wondering why you would ever need to know how to buy International Airtime? Family is everything. And they’re not just those related to us by blood. Over time, friends become family. We share moments together, forge deep bonds until…someone relocates and while they are trying to find their feet, relationships grow apart.

There’s a lot to adjust to when friends/family relocate. A new time zone. A new culture. They have to develop new relationships. They also have to survive and make ends meet because there’s probably no one to give them “urgent 2k” and they have more bills to pay. Yes. In an economy that works, there are more bills to settle. All these can put a strain on relationships back home.

How about parents who have children schooling overseas, while yet trying to work jobs barely enough to pay their rent in the abroad? Can you relate now? Here’s the truth. Everybody’s got someone overseas, when you look at it! And now, you can put smiles on their faces by a simple thoughtful gesture. Wondering how?

That’s where we come in. Now you can buy International Airtime for friends and family in the abroad and pay in Naira.

How To

  1. Firstly, log on to ppp.vtpass.com or open the mobile app.
  2. Secondly, Select “Buy Phone Airtime” and choose International Airtime.
  3. Thirdly, select the Country you are buying for. In addition, you can see list of countries you can buy International Airtime for here.
  4. Next, fill in the necessary details and proceed to payment.
  5. Lastly, choose your preferred mode of payment and complete payment in Naira.

Try it. Buy airtime for that “fam” you have in the abroad and see if this doesn’t get them smiling. It’s true that the thought matters, but, in the same vein, it is also true that little gestures go a long way. Why not make a little gesture now?

Didn’t Get JAMB e-PIN: What To Do

Firstly, to get your JAMB e-PIN, you should ensure you make your purchase using a reliable platform like VTpass. Bill payments made through VTpass are superfast. And you get value immediately. However, we know there are a few cases where you might not have gotten your JAMB e-PIN immediately. This could be due to a number of reasons. This will help you get your JAMB e-PIN in such cases

At VTpass, we are particular that you get instant value for services you pay for when you need it. By simply logging on to ppp.vtpass.com, you get to conveniently pay for everyday services. From airtime and data subscriptions. to electricity bills, cable tv subscriptions, insurance bills and education bills, VTpass has you covered. Upon using some of these services like the JAMB e-PIN purchase, you will need to receive a PIN to complete your registration. In rare cases, you may not receive this e-PIN immediately due to service breakdown, poor network issues, or maybe a drained phone battery.

Firstly, do not panic. You have not been scammed. VTpass has been delivering top notch service to customers for years. Should in case you did not receive your JAMB e-PIN after making payment through the platform, all you need to do is follow any of the steps below.

Contact Support

You can contact support via a number of channels.

  1. The Live Chat
  2. Calling our helpline
  3. Sending an email
  4. Social Media
  1. Firstly, the Live Chat feature gives you instant access to our 24/7 support centre just by clicking on “help” and “start live chat” from the VTPASS Mobile App or by logging on to ppp.vtpass.com from your phone browser and clicking on “online – chat with us” at the bottom right. All you need to do is provide them with the phone number/email address linked to your e-PIN purchase, and your profile code, and your complaint will be resolved.
  2. Secondly, calling our helpline is always advised if you have an urgent issue that needs resolution. Our helpline is always available to give you 24-hour dedicated support. That’s right, getting that issue resolved is as simple as dialling 08138752358 now!
  3. Thirdly, You can send a mail to support@vtpass.com now and we’ll help you resolve any issue you have. Just provide the phone number/email address linked to your e-PIN purchase, and your profile code, and your email will be treated promptly.
  4. Finally, you can also get your issues resolved by sending a DM to us via InstagramTwitter or Facebook with the necessary details of your transaction.

In conclusion, bill payments on ppp.vtpass.com are superfast, easy and convenient. In addition, you get 24/7 access to our support team to help you through any glitch you might have. Why don’t you try us today?

How to get Profile Code for JAMB e-PIN Purchase

The 2022 JAMB e-PIN (UTME/Direct Entry) is now available on VTpass and in line with the new directive, candidates will need to obtain a profile code for JAMB e-PIN purchase. Don’t know how to get it? We’re here to help. Sale for 2022 JAMB has commenced. And it is due to close on the 26th of March 2022.

JAMB registration has moved away from just purchasing a form. Now, there are requirements to meet before you are eligible to buy the e-PIN you need to register. Most important is having your profile code generated. We’ll walk you through what to do to get your profile code generated. It is easy. Just follow the steps below.

NOTE: Only one phone number can be used by each candidate to obtain his/her JAMB profile code. Also, make sure you use a phone number that you easily have access to.

Generating Profile Code for JAMB e-PIN Purchase

You need to generate your profile code, whether you’re a UTME candidate or a Direct Entry candidate. You then use the profile code to purchase your e-PIN. Here’s how

  1. Firstly, candidates should have obtained their NIN as directed by JAMB. In line with JAMB’s directive, only candidates who have obtained their NIN can register for the examination. If you do not have your NIN yet, then you need to register. Click here for information about how to register for your NIN. Consequently, if you already have your NIN, but misplaced it, You can simply dial *346# on any service provider to retrieve it.
  2. Secondly, Kindly link your SIM Card with your NIN to enable you receive the profile code in your phone. Even if you have linked your SIM before, try doing it again for faster receiving of your profile code. Note: Do not use SIM Card already linked by someone else maybe your mother or your father. It must be linked by you. This implies that the SIM must be yours.
  3. Thirdly, upon obtaining your NIN, SMS ‘NIN’, space and your 11 digit NIN number to 55019. For example, send (NIN 00123456789) to 55019. Be sure to put a “space” just like the example given. Similarly, also ensure that you are sending the correct NIN. You don’t have to send this message with the same phone number used in registering your NIN in the first place.
  4. Subsequently, Get Your Profile Code. Upon sending message to 55019, you’ll receive an SMS response containing a 10-digit profile code alongside your registered name with NIMC. This 10 digit profile code is important as you will not be able to purchase JAMB e-PIN without it.

What’s Next?

After that, you can visit ppp.vtpass.com/jamb and buy your e-PIN using the 10-digit profile code you received via SMS and your e-PIN is immediately sent to you via email, SMS, web and the VTpass app.

Note: The cell phone number used for sending ‘NIN’ to 55019 is automatically linked to the candidate’s name supplied by NIMC and will be used in all communications related to his/her application/examination.