All you need to know about NIMC's General Multipurpose Card

PRESS RELEASE

Director-General, NIMC, Abisoye Coker-Odusote

THE GENERAL MULTIPURPOSE CARD(GMPC)

We are meeting one of our core mandates by introducing a new card program with multiple use cases and payment functionality for various social and financial services.

? The new GMPC scheme layered with payment and verifiable Identity as the foundation, will in various ways address the demand for physical and digital evidential identity in any location with or without connectivity.

? This enables cardholders to prove their identity, access multiple government services and facilitate social and financial inclusion of disenfranchised

Nigerians.

Improved Economic Stability

? It will also empower citizens and encourage increased participation in nation

building.

GMPC ENABBLES ECONOMIC AND FINANCIAL INCLUSION Access to Financial Services3

OUR STRATEGIC ROADMAP FOR GMPC ISSUANCE

The strategic roadmap of our DG/CEO is to revitalize the card program with the issuance of GMPC scheme with multiple variants to deal with different use cases in line with Mr President�s directive on the mandatory use of NIN.

? The Implementation is currently at advanced stage focused on the following use cases:

? Use Case 1: Payments ? Use Case 2: Government to

people programs(G2P)

? Others: Optional Senior Citizens

Centre programs, ECOWAS National

Biometric Identity Travel Card (ENBIC)

in collaboration with NIS, etc.4

BENEFITS TO CITIZENS

Enhanced Financial Inclusion

The new identity program opens up

access to social and financial services

for all especially the unbanked and

underbanked populations.

Evidential Means for Identification The need to have a trusted and verifiable identity means citizens can now be

uniquely identified digitally with evidence

Three-in-one Value

This is now eased by having just one card layered with both their identity, payment and accessing social benefits

Capable for Cross-Border Transactions Capability for cross-border payments

enabling consumers to make

international transactions efficiently

Offline Capabilities

This will allow transactions to be carried out in areas with limited network coverage and address literacy issues with fingerprints

Access To Government

Services

Citizens can now benefit directly from the government e.g social, financial, and economic intervention programs

Convenience and

Interoperable

Consumers can make secure transactions at various points of sale, online

merchants, and ATMs with verifiable identity.

Social Intervention

Palliative, transportation, grants, etc. 5

BENEFITS TO GOVERNMENT

KEY SCHEME FEATURES

Biometric authentication, such as fingerprint and picture, to aid identity verification within any location including areas with limited infrastructure.
Longer years validity and easy requisition from multiple channels
Offline capability ensures transactions can be carried out in any location including areas with limited network coverage
Banking details at back of card with chip and pin and contactless functionalities � Support: Cash, digital tokens, virtual wallets, and eNaira
Function either as a debit and prepaid card for both banked and unbanked individuals on AfriGo rail � Includes Nigeria quick response code (NQR) with National Identification Number
Support for multiple wallets: the ability to process unique citizens across multiple programs via the 32- wallet application on the card
Interoperable with existing payment system: ATMs, POS, Mobile Apps, and web-based payment 7

gateways

USE CASE 1: PAYMENT

The Federal Government of Nigeria, in collaboration with NIMC, CBN, and NIBSS's AFRIGOPAY Financial Services arm, is introducing payment and identity solution for local and international card transactions.
AfriGO, a domestic card scheme by the CBN, will power this card issued by participating banks. These cards

will be purely be based on user request.

CRITICAL CHALLENGES IN THE PREVIOUS PROGRAMS ADDRESSED

? Wide distribution and acceptance of the National ID cards from multiple channels- bank branches etc.

? Possibility of personalization and fulfillment across the country instead of one perso plant. ? Easy Requisition and multiple points of request and delivery

? Free Choice of banks and pick-up location.

? Your money and Identity in one card with immediate access to government services. ? Reduce FX related collaterals on the foreign card schemes

USE CASE 2: GOVERNMENT TO PEOPLE

PROGRAMS(G2P)

This use case will be enabled for Identity and all

government intervention and services across

multiple Ministries, Departments, and Agencies

(MDAs). Among other capabilities and

functionalities, it will be enabled for the compliance

with the EMV/ ID operational & security standards.

Currently, we are at advanced discussion in the last

1 year with 20 MDAs and 6 states on the use of the

G2P cards with two ready for lunch in January

How to get the Cards: To be issued based on the

government program. This will be purely program

driven.

CRITICAL CHALLENGES IN THE PREVIOUS PROGRAMS ADDRESSED

?Low delivery cost

?Offline real-time capability addressing infrastructure challenges nationwide.

?Lower social, economic, and financial access

?Verifiable identification no matter the location

?Use of fingerprints for accessing services to address literacy issues

?Real access through electronic money and tokens, and NOT just cash.

?Ensures government intervention achieves its objective, with no chance for deviation

?Cheaper card and possibility for instant Issuance

ROLL-OUT PLAN FOR Q1 2025

Enable the G2P ecosytem to meet the urgent needs for authentication and a secure platform for government services such as Palliatives The focus is on the

Vulnerable Nigerians funded by the current government intervention programs.

Activate the bank-enabled National ID in the next 2 months to meet the needs of the middle and upper segments who will pay on request for these cards
Provide virtual(digital)versions of all cards for those who may want such cards for display but with limited

functionalities or purely photo IDs without any use case. 12

HOW TO GET

THE CARD

PORTAL FUNCTIONALITIES REQUEST CHANNELS

Fresh/New card Request

Card Reissuance Request

Card Deactivation Request

Card Status Request

SELF

SERVICE

PORTAL

REQUEST

CHANNELS

APPOINTED

AGENTS/MDAs

WALK IN �

NIMC OR

BANK BRANCH

ONLINE REQUISITION PORTAL

This is an online request portal that allows NIN holders irrespective of their locations(local & international) to:

? Initiate a card request

?Select their preferred card type, bank, and pick-up location.

Additional features include

? Dashboard for the banks and ERCs to process and monitor requests. ?Audit trail for NIMC to monitor the card delivery status, generate reports, and perform other administrative roles.

? Integration into online request channels of all participating banks & MDAs. ?Routed to the NIMC Card Lifecycle Management System on card pick up.

CARD STATUS

A feature to track the status of submitted requests online by applicants

When application has been

processed by the bank

When application

has been

submitted

When NIMC has processed ID details

When PERSO company is producing card

Card pick up notification to NIMC CLMS & Bank

When card is

ready for pick

POINTS OF NOTIFICATION

HIGH-LEVEL DEPLOYMENT PLAN

Implementation

Implementation commenced in January
Dependent deliverables from NIMC were completed in April
Integrations with critical stakeholders such as NIBSS/CBN completed

Press Release

Go-Live

Go live and launch activities- January 2025

Joint Press release to the

dailies Bank/MDA Engagements

Joint Conference with the Banks � May
Agreement of Pilot banks/MDAs for rollout/Integration- May Nov
Finalize integration with banks and MDAs and issue pilot

cards - June- Dec, 2024

CONCLUSION

The New National E-ID Card with Payment

and Social Services represents a

groundbreaking integration of identity

verification, financial transactions, and

CONCLUSION

access to social and government services to

enhance security, efficiency, and inclusivity.

We seek the cooperation in realizing this

potential for the collective benefit of society.

Let us work together to enable Nigerians and legal residents participate in the growing digital economy in a verifiable and scure manner as we fulfill our core mandates.

FREQUENTLY ASKED QUESTIONS

S/N 1.	QUESTIONS How can I apply for the card?	ANSWERS Self-service. Walk in NIMC, banks or approved agents.
	Can a request be made in any bank to pick up the card?	Yes, cards can be requested at any participating bank.
2.	Can a card requested for in a particular bank branch be picked up from another branch of same bank?	No. Card must be picked up @branch it was requested.
3.	How long will it take for the card to be ready after request is made?	The card will likely take 2 to 3 working days after the request is successfully made, much similar to the current bank card request duration
4.	What is the maximum capacity of the prepaid card limit?	This will be regulated by CBN and communicate once confirmed
6.	What are the charges on the cards?	The charges per transaction on the card will be like the usual bank card charges.
9	For lost, stolen and damage card, what do I do?	Deactivate the card and request for a new one using the available channels?
10	If there is fraudulent act on a card, who should I contact?	Contact issuing bank
11	Can a card be collected on behalf of another?	No one can collect the card on anyone�s behalf.
12	Who can apply for the card	Only registered citizen and legal residents 16 and above with a verified NIN
13	What are the functionalities of the card	Identity and use Payment services linked to bank of your choice

FREQUENTLY ASKED QUESTIONS

S/N 14	QUESTIONS What services can the card be used for	ANSWERS Identity, Payment and to access government social services
15	Is my personal data secured with the new card	Yes, in line with data protection regulation and policy
16	Can the card be used as travel document?	Yes, the feature will include machine Readable Zone (MRZ) in compliance with ICAO standard
17	How can people in the diaspora get their cards?	There will be options for home delivery at a cost
18	I am not up to 16 years. can I apply for the card	No, till you are 16
19	There is no network in my area, how can I apply for the card?	You can walk in to the any NIMC office or bank branch of your choice
20	I am a foreigner; can I apply for the card	You must be a legal resident
21	Can I have more than one card?	No
22	If I have this new id card, do I need another debit or credit card	You can only have one of these cards either debit or credit from any bank
23	I have changed my details do I request for another card?	Yes, a new card must be requested for If the details changed are features on the surface of the card
24	How do I use the self-service?	You can download from play store.
25	How can I access my NIN from the card? Is it visible on the card?	The NIN is not visible on the card but can be accessed by scanning the QR code on the card.
26	Can the card be used for online financial transactions?	Yes. The same way other bank cards are used.
27	Can the card be used for financial transactions outside the country?	Yes, the card can be used both locally and internationally

FREQUENTLY ASKED QUESTIONS

S/N 28	QUESTIONS Will the government have unauthorized access to the funds in my card in the case of default government payment?	ANSWERS No.
29	Why is this card different from other cards in the market?	The card has the capacity, flexibility and ability to store data on card for real-time transactions and verifications when in off-line mode
30	Can anyone get access to the information on the card?	No one can access the information on the card without a registered fingerprint. This means the card is unique to only the holder.
31	What makes the card unique?	The card is different because it can verify identification and process transactions in any locations without internet, and with high uptime and zero fraud
32	Does the card work with conventional systems?	The card is highly interoperable and works with conventional systems on open loop wallet.
33	Will the old card work with these programs	NO. All old cards will be replaced with this new one on need basis
34	What about those who paid for the replacement but yet to get their cards	They will be issued the new card free
35	Will the card be free?	No
36	Is the card mandatory	No. Based on request