CardinalStone Capital Advisers

AppZone Group is a prominent provider of integrated banking and payment software solutions tailored for small and medium-sized financial institutions in Africa. The company offers a comprehensive suite of products, including the BankOne Core Banking platform, which automates key operations such as deposit management, loan administration, financial accounting, and payroll processing. Additionally, AppZone provides an ePayment processing solution that facilitates access to financial services through various channels, including ATMs, POS terminals, and mobile devices. Their systems integration services enhance payment processing capabilities with features like prepaid card management and ATM monitoring. AppZone also offers cloud services that encompass customization, implementation, and ongoing support to ensure optimal performance of their solutions. Established in 2006 and based in Yaba, Nigeria, AppZone aims to empower individuals by providing technology that ensures unlimited access to financial services across the continent.

Kobo360 is a digital logistics platform that connects cargo owners, truck operators, and drivers to streamline the supply chain process. Founded in 2017 and headquartered in Lagos, Nigeria, the platform utilizes data analytics and artificial intelligence to enhance efficiency in logistics operations, particularly in last-mile delivery. Kobo360 aims to reduce communication gaps and optimize pick-ups and deliveries, ensuring goods are moved seamlessly across the continent. The company also supports rural farmers by minimizing farm wastages, thereby enabling them to access new markets and increase their earnings. In addition to its logistics services, Kobo360 plans to establish a marketplace to link farmers directly with buyers globally, which will help eliminate intermediaries and improve profitability for smallholder farmers. Ultimately, Kobo360 seeks to build a comprehensive logistics ecosystem that enhances trade and commerce in Africa and emerging markets.

Crest Agro Products Limited is a producer of food-grade cassava starch, catering to industrial users in Nigeria and the West Africa sub-region. Founded in 2013 and based in Lokoja, Nigeria, the company operates a nucleus farm dedicated to cultivating cassava tubers and a processing plant for producing high-quality cassava starch. Crest Agro Products serves key sectors, including food processing, pharmaceuticals, and textiles, and aims to contribute to the transformation of agriculture in Nigeria through commercial farming and industrial processing. The company is establishing an integrated cassava farm and starch processing facility on 13,000 hectares of land in Kogi State.