Everyday more and more people are coming online, this has been made possible by the highly pervasive smartphone penetration especially in Sub-Saharan Africa. Smartphones are becoming more powerful and less expensive, so many can comfortably conduct business transactions with their smartphones. Nigeria with an estimated population of 191 million has 91.5 million internet users (47% internet penetration). What will happen when Nigeria achieves 80% internet penetration? Wow! Coming online is a necessity it cannot be wished away. The online market place is a reality.