“Can a Lagos-based microfinance bank become a one-stop financial services group for Nigerian MSMEs across banking, lending and insurance?”
Addosser Microfinance Bank is a Nigerian CBN-licensed microfinance bank founded in 2008, focused on retail/micro-enterprise banking and SME lending. A sister entity, Addosser Finance, offers business, personal, public sector and lease financing, and the group has extended into insurance brokerage (Addosser Insurance Brokers). The bank is a traditional deposit-and-lending institution rather than an embedded finance platform.
Addosser Microfinance Bank discloses Addosser Microfinance Bank (in-house) as its banking provider, according to the Embedded Finance Index 2026.
Addosser Microfinance Bank does not disclose a bank charter of its own; its banking services are provided through Addosser Microfinance Bank (in-house).
Addosser Microfinance Bank's lending and capital products are provided by Addosser Microfinance Bank (in-house) and Addosser Finance (in-house).
Addosser Microfinance Bank's embedded insurance is provided by Addosser Insurance Brokers (in-house).
The Embedded Finance Index 2026 maps 3 layers in Addosser Microfinance Bank's stack: Banking / BaaS (Addosser Microfinance Bank (in-house)); Lending (Addosser Microfinance Bank (in-house), Addosser Finance (in-house), Working Capital Loans, Asset Finance Loans and 7 others); Insurance (Addosser Insurance Brokers (in-house)).
Addosser Microfinance Bank is founded in 2008 and headquartered in Lagos, Nigeria.
Get a read on where your own stack stands against Addosser Microfinance Bank and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.