Field before theory
We begin with real transaction behaviour, operating constraints and customer journeys.
Financial infrastructure, designed for reality
Infrastructure for the last mile.
We help financial institutions, businesses and public-sector partners design the systems that move money safely through agents, merchants and communities.
Agent bankingCash collectionsLiquidity systemsField intelligence
01 Who we are
We turn financial access into an operating system.
Crest Digital Consulting is a financial-infrastructure advisory and operations firm focused on Nigeria's last-mile economy.
We combine field research, network design, operational controls and decision-grade data to build solutions that work beyond the boardroom—where cash, customers and commerce actually meet.
Evidence before scale
We test the model, capture the data and scale only what the evidence supports.
Controls by design
Risk, reconciliation and accountability are built into the operating model from day one.
02 What we do
Strategy that reaches the street.
From opportunity sizing to live field operations, we connect the commercial case to the daily mechanics.
Agent Banking Strategy & Network Design
Market mapping, node economics, location selection, agent segmentation and rollout planning.
Cash Collection & Disbursement Operations
Collection routes, merchant workflows, settlement controls, reconciliation and exception management.
Agent Liquidity & Float Systems
Liquidity diagnostics, cash rebalancing, float support and loss-of-business reduction.
Market Intelligence & Pilot Design
Field studies, 30-day pilots, performance dashboards and evidence-led expansion decisions.
Financial Education & Content Strategy
Clear, responsible education that helps businesses and communities make better financial decisions.
03 Our operating method
From insight to operating model
Build small. Measure deeply. Scale deliberately.
Every Crest engagement moves through a disciplined four-stage system. The result is an operation that is measurable, governable and ready to grow.
Design a pilot- 01Diagnose
Map the market, operating constraints and unit economics.
- 02Design
Define the node, controls, people, process and data model.
- 03Pilot
Run a controlled field test with clear success thresholds.
- 04Scale
Expand proven locations, standardise playbooks and govern performance.
04 Decision intelligence
Every node should generate evidence.
See what the network is telling you.
We turn field activity into a live management picture—so leaders can see what is working, where liquidity breaks down and what to fix next.
Transaction mix
Volume, value and revenue by service type.
Liquidity cycles
Peak cash deficit, float pressure and recovery time.
Node uptime
Availability, failed sessions and service interruptions.
Customer loss
Turnaways, unmet demand and preventable revenue leakage.
A physical layer for digital finance
05 Field infrastructure
Built for the environments we serve
A complete node—not just a terminal.
We design the physical and operational layer around the transaction: location, kiosk, operator, device, connectivity, cash controls, customer experience and reporting.
- Solar-ready branded service points
- POS and digital payment operations
- Cash handling and reconciliation controls
- Agent training, standards and oversight
- Location-level performance dashboards
06 Our perspective
“The future of financial access will not be won by technology alone. It will be won by the operators who connect technology, trust, liquidity and disciplined execution.”
Our recommendations are grounded in how customers and agents actually behave.
Clear measures and thresholds make every decision accountable.
Operational controls protect cash, customers and partner confidence.
We design repeatable systems—not one-off interventions.
Start with the operating question
What must work
at the last mile?
Bring us the mandate, the constraint or the market opportunity. We will help you turn it into an executable system.
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