O3 Capital Customer Survey

Understanding your business and financial needs. O3 Capital is exploring ways to better support customers who use their personal credit cards for business or who occasionally need additional funds. This takes about 3 minutes and your responses are confidential.

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Section A · Customer Profile

1. What is your primary occupation? *

Salaried EmployeeSelf-EmployedBusiness OwnerProfessionalStudentOther

2. Do you currently operate or participate in a business? *

YesNo

3. What type of business activity do you engage in? *

Trading/RetailServicesManufacturingAgricultureTechnology/Digital BusinessProfessional ServicesNot ApplicableOther

4. Which O3 Capital card scheme are you currently subscribed to? *

Verve CardMasterCardAMEX

Section B · How You Use Your O3 Capital Card

5. What do you mainly use your O3 Capital credit card for? *

Personal expensesFamily/household expensesBusiness expensesBoth personal and business expensesOther

6. Have you ever used your personal credit card for business-related expenses? *

YesNo

7. How frequently do you use your personal credit card for business-related expenses? *

RarelyOccasionallyMonthlyWeeklySeveral times a weekNot Applicable

8. What types of business expenses have you paid for using your personal credit card? (Select all that apply) *

Inventory/StockSupplier PaymentsAdvertising/MarketingSubscriptions/SoftwareTransportation/LogisticsBusiness TravelEquipmentStaff/Contractor PaymentsUtilities/RentOnline PurchasesNot ApplicableOther

Section C · Your Business-Related Financial Needs

9. Approximately what percentage of your credit-card spending is related to business activities? *

0%1–10%11–25%26–50%51–75%More than 75%

10. Approximately how much do you spend monthly on business-related transactions using your card? *

Less than ₦50,000₦50,000–₦100,000₦100,001–₦250,000₦250,001–₦500,000₦500,001–₦1,000,000More than ₦1,000,000Not Applicable

11. What is your main reason for using your personal credit card for business-related expenses? *

ConvenienceI do not have a separate business/corporate cardFaster access to fundsTo manage temporary business cash-flow needsRewards/benefitsMy business is too small to require a separate cardEasier online paymentsOther

Section D · Challenges in Managing Business Expenses

12. How often do you use your personal credit-card limit to meet short-term business cash-flow needs? *

NeverRarelySometimesOftenVery Often

13. What is the biggest challenge you currently face when using your personal credit card for business-related expenses? *

Limited credit limitDifficulty separating personal and business expensesShort repayment periodHigh cost of using creditDifficulty accessing additional funds when neededLack of business-specific card featuresDifficulty making supplier/vendor paymentsNo significant challengeOther

Section E · Your Preferred Business Financial Solution

14. How long do you typically need funds when using your card for business-related cash-flow needs? *

Less than 30 days1–3 months3–6 monthsMore than 6 monthsNot Applicable

15. If O3 Capital introduced a card or financing solution designed for your business needs, which features would be most valuable to you? (Select all that apply) *

Higher credit limit for business transactionsFlexible repayment periodEasier access to short-term working capitalSeparate tracking of business transactionsBusiness-related rewards/cashbackSupplier/vendor payment optionsOnline/international payment capabilityExpense management toolsI would not be interested in a business-focused solutionOther