Moniepoint has unveiled Moniebook, a unified payments, bookkeeping and business-operations platform built for SMEs and multi-location retailers. The launch follows several months of beta testing, during which more than 4,000 merchants processed payments, tracked stock and managed daily operations on the system.
Moniebook brings POS transactions, inventory monitoring, staff management, branch oversight, bookkeeping, receipt generation and customer-insight tools into one dashboard. It is designed to give business owners real-time visibility into sales and stock levels without relying on scattered apps or handwritten records.
Introducing the platform, Moniepoint MFB Managing Director Babatunde Olofin said:
“Moniebook is engineered to be a growth partner for businesses – a holistic source of truth in the hands of every entrepreneur. By providing full visibility over sales, staff, customers, and inventory in real-time, we are giving business owners the control they need to scale efficiently and securely.”
Why this fills a long-standing gap in SME operations
Most small businesses in Nigeria still juggle manual records or a mix of disconnected digital tools. This often leads to stock discrepancies, reconciliation delays and limited awareness of business performance.
Moniebook attempts to remove that friction by consolidating all core business processes into one system.
Moniebook Head of Product, Oluwole Adebiyi, captured this point clearly:
“For too long, small and medium-sized business owners have had to juggle multiple, disconnected tools. This complexity is a direct barrier to growth.”
With this launch, Moniepoint is moving beyond payments and agency banking into a deeper role as an end-to-end business-management provider.
The businesses that gain the most
Retail shops, supermarkets, restaurants, pharmacies, boutiques, logistics hubs and multi-branch operators stand to benefit first.
For existing Moniepoint merchants, Moniebook connects directly to their POS terminals. Larger retailers can centralise operations across multiple locations without relying on separate systems.
Ecosystem partners — accountants, POS agents and integrators — may also see new opportunities as businesses adopt the platform.
What comes next for Moniebook
Moniepoint plans to expand Moniebook’s capabilities with richer analytics, supplier-management features and deeper links to its lending and settlement systems.
Adoption is expected to rise as Nigerian SMEs seek more efficient ways to manage cash flow, stock movement and reporting.
The key signals to watch include merchant onboarding in the first quarter, transaction volumes processed through Moniebook-enabled POS terminals and uptake among multi-location retailers looking for centralised oversight.
