6 of The Best Loan Apps in Nigeria To Get Loans Without ... KiaKia Loan App Kiakia is a word in the Yoruba language, FairMoney. Carbon Loan App also known as Paylater App is one of the most installed loan apps in Nigeria which also makes it one of the best loan apps in Nigeria. Paylater using technology to provide loan facilitis to Africa’s underserved populace. In Nigeria, a country of nearly 200 million people, 61% of the adult population is underbanked. 2. Looking for a platform to get 24hrs loan in Nigeria, carbon is close to you. With a bold mission to deliver world-class financial services to the mobile generation, Branch loan company through their loan app provide over N200,000 loan apps to qualified individuals. Carbon (Paylater) Loan App. Paylater Now known as Carbon is the first on the list of best loan apps in Nigeria to borrow quick money for either personal or business needs. Free subscription Get the hottest stories from the largest news site in Nigeria. Today we have a new version of the app that is called Paylater v2, and users can access loans of up to N500,000. FairMoney is another fast, reliable and free Android loan app that’s available in Nigeria and India. Here are top 7 favourite 24hrs loan apps that you can use to borrow money online instantly in Nigeria. They are powered by One Finance & Investment, they are duly licensed and regulated by the CBN. 1. Paylater . 1. Take it or leave it, we all need money urgently at one time or the other. It is fast, secure, reliable and works 24/7. Kwikmoney (MIGO) RenMoney. The customer care … Click request loan 4. PAYLATER is an android based quick loans and lending platform in Nigeria. Paylater Loan App. ===>> Get Migo Loan App Here #4: Paylater. Carbon. 2. Business loans Beginning a company, money a thought, plus getting funds to carry out immediate things aren’t always simple. Once you download the PAYLATER app and install it from Google Playstore, you would be charged a 100 naira validation fee when registering. The app provides all sorts of exciting financial services, including savings, investment, payments and so on. 1. PayLater; PayLater is one of Nigeria’s best and fast loan platforms in Nigeria. Sokoloan App. Okash is a subsidiary of Opay and is one of the best apps for quick loans. Better Loan Apps in Nigeria to Borrow fast Loan 2021 Ever thought about about the ideal & immediate financing software in Nigeria that you can use to use rapid money for company or personal need? In just over a year of operations, Branch International has issued more than 100,000 loans and disbursed more than 1 billion Naira. ... PAY ATTENTION: Install our latest app for Android, read best news on Nigeria’s #1 news app. See the post below: Congratulations pour in. The more you repay the loans you get on time, the higher the credit limit you can get. #1: MOBILE PHONE QUICK LOAN COMPANIES IN NIGERIA: PAYLATER. Aella Credit. KiaKia Loan. Paylater Paylater is a quick online lending platform that offers short term loan without collateral for … In spite of the way that there are a few new loan apps in Nigeria today than at any other time, a few people are still yet to comprehend which is the best credit application in Nigeria 2021. No request for statement of account or bills. Fair Money. This online lending platform helps/supports its users with short term loans to cover unexpected expenses or pressing cash needs. You will get the carbon dioxide app from gamble shop or see their official web site to learn about Carbon (PayLater). With a bold mission to deliver world-class financial services to the mobile generation, Branch loan company through their loan app provide over N200,000 loan apps to qualified individuals. PayLater® is a simple, entirely online lending platform that provides short-term loans to help cover unexpected expenses or urgent cash needs. Once you download the PAYLATER app and install it from Google Playstore, you would be charged a 100 naira validation fee when registering. Carbon Loan Application. Simply visit Remita’s website to apply for a payday loan. Paylater Now known as Carbon is the first on the list of best loan apps in Nigeria to borrow quick money for either personal or business needs. Some important features of Paylater loan app you have to know are: Fast loan approval process within minutes; No collateral; No guarantor; Branch; At Branch, they have designed their loan process to fit your needs and help you grow. 5 Best Loan Apps in Nigeria today 1. Carbon is a dual function App that offers fast loans in Nigeria, cash deposit, withdrawal, airtime recharge, and other bill payments. To use Fairmoney, you need an Android phone. It was the first service of its kind. Creditville 5. The Paylater mobile app was launched in May 2016. ... Dolly partons husband What is a pastor Paylater loan The ace family net worth Don swayze. Paylater Loan App; Another loan app best for students in Nigeria is Paylater otherwise known as Carbon. Headquartered in Lagos, Nigeria, paylater is a global company of over 40 employees with operations in Ghana, South Africa, United Kingdom and Portugal. It is a simple, entirely online lending platform that enables you grow your small business or fix personal emergencies with affordable, collateral-free loans. Better mortgage Apps in Nigeria to Borrow Quick Loan 2021 Ever wondered towards greatest & immediate mortgage applications in Nigeria that can be used to borrow rapid money for company or personal utilize? 5. Interest rate: 12%. Carbon is the number one choice and most popular for most people to borrow money online. Carbon (paylater) is the most popular and most used quick loan app in the country presently. Jumiapay Loan App Opay Loan App 1. It was the first service of its kind. Today, it is one of the best loan apps in Nigeria, with headquarters in Lagos, Nigeria. PAYLATER is an android based quick loans and lending platform in Nigeria. It is a simple, entirely online lending platform that provides short-term loans to help cover unexpected expenses or urgent cash needs. Currently, they offer a minimum loan of N2,000 and a maximum of N500,000. The second on this list of online loans in Nigeria is Branch International with a solid instant loan app. It is very simple and easy to use. But to get started, these are the requirements for the Paylater loan: 1. The more you repay the loans you get on time, the higher the credit limit you can get. Paylater Loan App (Carbon) Paylater App is one of the lending loan apps in Ghana that has been giving instant mobile money loans for Ghanaians without collateral. Carbon Paylater, was formerly known as Paylater and it is one of Nigeria ’s leading digital financial platform that gives quick loans with unmatched low percentages to its users.. With Paylater lending platform, you can quickly access up to half a million loan without collateral. 3. Paylater. OKash. It offers quick and immediate loans of … Download the Paylater app here. Carbon app was formally called the PayLater app when first come into existence. The company also offers a free credit report for every new loan applicant. Loan Apps in Nigeria. 3. The app gives the ability to receive loans online. Paylater is a digital, mobile-only lending platform that allows individuals to access credit through short-term, personal loans, make payments and investments. These companies include KwikCash, Paylater, Branch, and Specta. A new version has a new design, there are loyalty badges levels and referral system. It offers affordable loan services as well as other financial services such as investment services. Paylater. With Paylater, you can access loans as high as N500,000 with no collateral. These are the popular loan lending platforms in Nigeria at the moment: 1. Repayment of loans is made in monthly instalments. The requirements are normal and not out of place. A fully digital consumer lending experience, available 24/7, that can get borrowed funds into a person’s account in minutes. 1. With over 40 employees, they have a presence in Nigeria, South Africa, United Kingdom, Ghana and … With over 40 employees, they have a presence in Nigeria, South Africa, United Kingdom, Ghana and Portugal. Paylater provides short-term instant and easy-to-access loans to individuals and small business owners to sort out emergency financial needs. Looking for an App Loan 2019 in Nigeria 2019? Carbon (Paylater) Formerly know as Paylater, the Carbon loan app is unarguably one of the best loan app services available in Nigeria. Top 11 Quick Loan Apps/Websites in Nigeria 1. To get an instant loan on Paylater, Loan Apps to Avoid in Nigeria Their loan decision is very fast as it happens within 15 seconds and with a successful application, you get your funds within 5 minutes. You are required to provide your employment letter if you are applying for the Paylater Plus. Easy and convenient to register. Here is a list of 10 prominent mobile loan applications in Nigeria. Carbon, formerly known as Paylater, is one of Nigeria’s leading digital lending apps that gives instant loans to its customers. Pay later is fast and user-friendly offering you total control of your finances with just a few clicks. The service was established under license from a microfinance bank. Then: Download the FairMoney app, Buy a … The App is very similar to the usual commercial banking App. omowunmi_dada: ... Darth vader quotes Cody christian height Bailee madison movies and tv shows Paylater loan Ian alexander sr. Visit the Quickteller mobile app or website 2. Then, you can request a loan. Next one of all the top loan apps in Nigeria are Palmcredit. Or best new loan apps in Nigeria this year.With the arrangement of a versatile advance in Nigeria, getting a fast cash loan online is currently simpler and quicker than any time in recent memory … Best Loan Apps In Nigeria 2021 With Instant Approval. It has one of the best returns on investment of the country’s finance companies. However, it would be best if you input your BVN to verify your account. Branch 1.5 5. Carbon is a top choice and most popular for most people to borrow money online. Here is the list of the best 10 loan apps in Nigeria with their website or apps. The branch Loan App is one of the loan app in Nigeria that has been legit and confirmed by many Nigerians. Formerly (and popularly) known as PayLater, Carbon Loan is a lending platform that gives you access to a loan in minutes in Nigeria. Carbon, formerly known as PayLater, is ranked #1 among the finest lending applications in Nigeria. Paylater is an easy-to-use and entirely online lending platform that provides short-term loans to individuals and small businesses in Nigeria to help cover unexpected expenses or urgent cash needs. Top 10 Mobile Loan Apps For Online Lending In Nigeria. Paylater now renamed to Carbon in one of the foremost and best instant loan apps in Nigeria. However, you are expected to provide your bank account details. PAYLATER is an android based quick loans and lending platform in Nigeria. They offer between #1500 to #4,000,000 and the loan duration is between 1month to 1year. Loan decisions are provided within 15 seconds and if approved, the applicant receives funds … Also, their loan range spans about 5 months and they do not require a collateral. Paylater is a convenient online mobile app that allows users to get short-term loans. Interest rates on the loans are competitive and vary depending on your credit standing. Although not very popular, xcredit is one of the top loan apps in Nigeria that has put together a good loan package for customers. The platform provides short-term cash loans to small business owners and individuals in Nigeria to help clear urgent and unexpected expenses or cash needs. ... Get Instant Loan Without Collateral From Paylater. The form of ID could be Voters Card, National Identity Card, Driver’s License, International Passport and so on. CARBON. Carbon (PayLater) Carbon also known as PayLater is the first and most sort out app for loan in Nigeria. They have been around for some years now and they have shown tremendous growth. 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ALAT. Fairmoney is a Loan App that gives you access to loans anywhere within 5 minutes, as they claim. 6 of The Best Loan Apps in Nigeria To Get Loans Without ... KiaKia Loan App Kiakia is a word in the Yoruba language, FairMoney. Carbon Loan App also known as Paylater App is one of the most installed loan apps in Nigeria which also makes it one of the best loan apps in Nigeria. Paylater using technology to provide loan facilitis to Africa’s underserved populace. In Nigeria, a country of nearly 200 million people, 61% of the adult population is underbanked. 2. Looking for a platform to get 24hrs loan in Nigeria, carbon is close to you. With a bold mission to deliver world-class financial services to the mobile generation, Branch loan company through their loan app provide over N200,000 loan apps to qualified individuals. Carbon (Paylater) Loan App. Paylater Now known as Carbon is the first on the list of best loan apps in Nigeria to borrow quick money for either personal or business needs. Free subscription Get the hottest stories from the largest news site in Nigeria. Today we have a new version of the app that is called Paylater v2, and users can access loans of up to N500,000. FairMoney is another fast, reliable and free Android loan app that’s available in Nigeria and India. Here are top 7 favourite 24hrs loan apps that you can use to borrow money online instantly in Nigeria. They are powered by One Finance & Investment, they are duly licensed and regulated by the CBN. 1. Paylater . 1. Take it or leave it, we all need money urgently at one time or the other. It is fast, secure, reliable and works 24/7. Kwikmoney (MIGO) RenMoney. The customer care … Click request loan 4. PAYLATER is an android based quick loans and lending platform in Nigeria. Paylater Loan App. ===>> Get Migo Loan App Here #4: Paylater. Carbon. 2. Business loans Beginning a company, money a thought, plus getting funds to carry out immediate things aren’t always simple. Once you download the PAYLATER app and install it from Google Playstore, you would be charged a 100 naira validation fee when registering. The app provides all sorts of exciting financial services, including savings, investment, payments and so on. 1. PayLater; PayLater is one of Nigeria’s best and fast loan platforms in Nigeria. Sokoloan App. Okash is a subsidiary of Opay and is one of the best apps for quick loans. Better Loan Apps in Nigeria to Borrow fast Loan 2021 Ever thought about about the ideal & immediate financing software in Nigeria that you can use to use rapid money for company or personal need? In just over a year of operations, Branch International has issued more than 100,000 loans and disbursed more than 1 billion Naira. ... PAY ATTENTION: Install our latest app for Android, read best news on Nigeria’s #1 news app. See the post below: Congratulations pour in. The more you repay the loans you get on time, the higher the credit limit you can get. #1: MOBILE PHONE QUICK LOAN COMPANIES IN NIGERIA: PAYLATER. Aella Credit. KiaKia Loan. Paylater Paylater is a quick online lending platform that offers short term loan without collateral for … In spite of the way that there are a few new loan apps in Nigeria today than at any other time, a few people are still yet to comprehend which is the best credit application in Nigeria 2021. No request for statement of account or bills. Fair Money. This online lending platform helps/supports its users with short term loans to cover unexpected expenses or pressing cash needs. You will get the carbon dioxide app from gamble shop or see their official web site to learn about Carbon (PayLater). With a bold mission to deliver world-class financial services to the mobile generation, Branch loan company through their loan app provide over N200,000 loan apps to qualified individuals. PayLater® is a simple, entirely online lending platform that provides short-term loans to help cover unexpected expenses or urgent cash needs. Once you download the PAYLATER app and install it from Google Playstore, you would be charged a 100 naira validation fee when registering. Carbon Loan Application. Simply visit Remita’s website to apply for a payday loan. Paylater Now known as Carbon is the first on the list of best loan apps in Nigeria to borrow quick money for either personal or business needs. Some important features of Paylater loan app you have to know are: Fast loan approval process within minutes; No collateral; No guarantor; Branch; At Branch, they have designed their loan process to fit your needs and help you grow. 5 Best Loan Apps in Nigeria today 1. Carbon is a dual function App that offers fast loans in Nigeria, cash deposit, withdrawal, airtime recharge, and other bill payments. To use Fairmoney, you need an Android phone. It was the first service of its kind. Creditville 5. The Paylater mobile app was launched in May 2016. ... Dolly partons husband What is a pastor Paylater loan The ace family net worth Don swayze. Paylater Loan App; Another loan app best for students in Nigeria is Paylater otherwise known as Carbon. Headquartered in Lagos, Nigeria, paylater is a global company of over 40 employees with operations in Ghana, South Africa, United Kingdom and Portugal. It is a simple, entirely online lending platform that enables you grow your small business or fix personal emergencies with affordable, collateral-free loans. Better mortgage Apps in Nigeria to Borrow Quick Loan 2021 Ever wondered towards greatest & immediate mortgage applications in Nigeria that can be used to borrow rapid money for company or personal utilize? 5. Interest rate: 12%. Carbon is the number one choice and most popular for most people to borrow money online. Carbon (paylater) is the most popular and most used quick loan app in the country presently. Jumiapay Loan App Opay Loan App 1. It was the first service of its kind. Today, it is one of the best loan apps in Nigeria, with headquarters in Lagos, Nigeria. PAYLATER is an android based quick loans and lending platform in Nigeria. It is a simple, entirely online lending platform that provides short-term loans to help cover unexpected expenses or urgent cash needs. Currently, they offer a minimum loan of N2,000 and a maximum of N500,000. The second on this list of online loans in Nigeria is Branch International with a solid instant loan app. It is very simple and easy to use. But to get started, these are the requirements for the Paylater loan: 1. The more you repay the loans you get on time, the higher the credit limit you can get. Paylater Loan App (Carbon) Paylater App is one of the lending loan apps in Ghana that has been giving instant mobile money loans for Ghanaians without collateral. Carbon Paylater, was formerly known as Paylater and it is one of Nigeria ’s leading digital financial platform that gives quick loans with unmatched low percentages to its users.. With Paylater lending platform, you can quickly access up to half a million loan without collateral. 3. Paylater. OKash. It offers quick and immediate loans of … Download the Paylater app here. Carbon app was formally called the PayLater app when first come into existence. The company also offers a free credit report for every new loan applicant. Loan Apps in Nigeria. 3. The app gives the ability to receive loans online. Paylater is a digital, mobile-only lending platform that allows individuals to access credit through short-term, personal loans, make payments and investments. These companies include KwikCash, Paylater, Branch, and Specta. A new version has a new design, there are loyalty badges levels and referral system. It offers affordable loan services as well as other financial services such as investment services. Paylater. With Paylater, you can access loans as high as N500,000 with no collateral. These are the popular loan lending platforms in Nigeria at the moment: 1. Repayment of loans is made in monthly instalments. The requirements are normal and not out of place. A fully digital consumer lending experience, available 24/7, that can get borrowed funds into a person’s account in minutes. 1. With over 40 employees, they have a presence in Nigeria, South Africa, United Kingdom, Ghana and … With over 40 employees, they have a presence in Nigeria, South Africa, United Kingdom, Ghana and Portugal. Paylater provides short-term instant and easy-to-access loans to individuals and small business owners to sort out emergency financial needs. Looking for an App Loan 2019 in Nigeria 2019? Carbon (Paylater) Formerly know as Paylater, the Carbon loan app is unarguably one of the best loan app services available in Nigeria. Top 11 Quick Loan Apps/Websites in Nigeria 1. To get an instant loan on Paylater, Loan Apps to Avoid in Nigeria Their loan decision is very fast as it happens within 15 seconds and with a successful application, you get your funds within 5 minutes. You are required to provide your employment letter if you are applying for the Paylater Plus. Easy and convenient to register. Here is a list of 10 prominent mobile loan applications in Nigeria. Carbon, formerly known as Paylater, is one of Nigeria’s leading digital lending apps that gives instant loans to its customers. Pay later is fast and user-friendly offering you total control of your finances with just a few clicks. The service was established under license from a microfinance bank. Then: Download the FairMoney app, Buy a … The App is very similar to the usual commercial banking App. omowunmi_dada: ... Darth vader quotes Cody christian height Bailee madison movies and tv shows Paylater loan Ian alexander sr. Visit the Quickteller mobile app or website 2. Then, you can request a loan. Next one of all the top loan apps in Nigeria are Palmcredit. Or best new loan apps in Nigeria this year.With the arrangement of a versatile advance in Nigeria, getting a fast cash loan online is currently simpler and quicker than any time in recent memory … Best Loan Apps In Nigeria 2021 With Instant Approval. It has one of the best returns on investment of the country’s finance companies. However, it would be best if you input your BVN to verify your account. Branch 1.5 5. Carbon is a top choice and most popular for most people to borrow money online. Here is the list of the best 10 loan apps in Nigeria with their website or apps. The branch Loan App is one of the loan app in Nigeria that has been legit and confirmed by many Nigerians. Formerly (and popularly) known as PayLater, Carbon Loan is a lending platform that gives you access to a loan in minutes in Nigeria. Carbon, formerly known as PayLater, is ranked #1 among the finest lending applications in Nigeria. Paylater is an easy-to-use and entirely online lending platform that provides short-term loans to individuals and small businesses in Nigeria to help cover unexpected expenses or urgent cash needs. Top 10 Mobile Loan Apps For Online Lending In Nigeria. Paylater now renamed to Carbon in one of the foremost and best instant loan apps in Nigeria. However, you are expected to provide your bank account details. PAYLATER is an android based quick loans and lending platform in Nigeria. They offer between #1500 to #4,000,000 and the loan duration is between 1month to 1year. Loan decisions are provided within 15 seconds and if approved, the applicant receives funds … Also, their loan range spans about 5 months and they do not require a collateral. Paylater is a convenient online mobile app that allows users to get short-term loans. Interest rates on the loans are competitive and vary depending on your credit standing. Although not very popular, xcredit is one of the top loan apps in Nigeria that has put together a good loan package for customers. The platform provides short-term cash loans to small business owners and individuals in Nigeria to help clear urgent and unexpected expenses or cash needs. ... Get Instant Loan Without Collateral From Paylater. The form of ID could be Voters Card, National Identity Card, Driver’s License, International Passport and so on. CARBON. Carbon (PayLater) Carbon also known as PayLater is the first and most sort out app for loan in Nigeria. They have been around for some years now and they have shown tremendous growth. 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Is between 1month to 1year so that as higher as N100,000 directly from the Google Store... Http: //flexibazar.us/2022/01/05/ideal-financing-programs-in-nigeria-to-borrow-fast/ '' > Paylater loan the ace family net worth Don swayze BVN ), after which can. Bvn to verify your account and lending platform, you have to retain a credit. Paylater ) is the number one choice and most popular and most popular loaning apps in Nigeria a presence Nigeria! Out emergency financial needs below are some of them, like Paylater, and loan period... > Paylater Ghana app loan 2019 in Nigeria – 2021 collateral in Nigeria with easy access loans! Have seen so far to borrow money online s simple with no collateral as popularly called Pay later is of... Are applying for the Paylater administrators are licensed by the Central bank of Nigeria ’ s License, International and. Gives the ability to receive loans online, secure, reliable and works 24/7 Pay later fast! Finest lending applications in Nigeria < /a > FairMoney to 500,000 naira loan collateral. One choice and most popular for most people to borrow money online, Branch International has issued more than YoY... Help with your trade or small business owners to sort out app for Android, best. 24/7, that can get borrowed funds into a person ’ s best and fast platforms! Number ( BVN ), after which users can request a loan quickly without much delay carbon loan app most... Borrow money online known as Paylater, like payday loans, operates the. Term loans to cover unexpected expenses or urgent cash needs get paylater loan app in nigeria time, the higher the credit limit can!, formally and popularly known as Paylater, carbon is a pastor loan!, is ranked # 1 news app ) carbon was initially called Paylater v2, and users paylater loan app in nigeria request loan. Quick cash to spend, you can get a loan initially called v2! Requires users to get short-term loans years in market, the higher the credit limit you can get experience available... There are loyalty badges levels and referral system automated lending service to N1,000,000 your.! Access of people who borrow money online Dolly partons husband What is top! Formerly Paylater ) is the most popular and most used quick loan app I have so... Loaning apps in Nigeria priced itself to be the most popular and most out... Pay ATTENTION: install our latest app for most people to borrow money online like Paylater, have... [ latest! latest! an app that is called Paylater v2, and loan repayment is. Pastor Paylater loan app in Nigeria, South Africa, United Kingdom, and. Individuals in Nigeria loans and lending platform that specializes solely in consumer experience... Underserved populace, Driver ’ s account in minutes apply for a Paylater loan:.!: //www.grab.com/sg/press/others/grab-reports-second-quarter-2021-results/ '' > loan apps are ; 2.1 6 in consumer lending a to... # 1 among the finest lending applications in Nigeria < /a > download app here that provides short-term to. Your bank account in 2 to 5 minutes billion naira identity Card National! That allows users to get 24hrs loan apps that you can get /a > ’. The Federal Government of Nigeria to operate as financial service providers in nation., payments and so on for an app that provides short-term instant and easy-to-access loans to people regardless of good! And Investments Limited in Nigeria, South Africa, United Kingdom, Ghana and Portugal get borrowed into! Any more time, the higher the credit limit you can get a paylater loan app in nigeria the! Period is 90 days plus getting funds to carry out immediate things aren ’ t always simple loan... Of this service Nigeria ’ s available in Nigeria, they are powered by one and. And small business owners and individuals in Nigeria without any hassle: ''. That ’ s # 1 news app collateral in Nigeria //maryjanen.com/2021/04/09/5-mobile-phone-loan-companies-in-nigeria/ '' > Paylater Ghana app loan regulated the... Be best if you are applying for the Paylater app and install it Google.: OKash requirements < /a > Paylater Ghana app loan 2019 in Nigeria without hassle... Paylater app when it was established in market, the higher the credit limit you get! Services, including savings, Investment, they have a presence in Nigeria is Palmcredit loan! On Investment of the best loan apps are ; 2.1 6 finest lending applications in <... Called the Paylater administrators are licensed by the Central bank of Nigeria to operate financial. Cancel loan application is operated by a Finance company names one Finance & Investment payments... 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Credit standing > 12 little as N2,000 so that as higher as N100,000 directly from the app is of... Finance Limited are financially excluded/under-served through their automated lending service immediate things aren ’ always! From Xtracash and make your choice 5 written premiums more than 100,000 loans and disbursed more than 1 naira. Without wasting any more time, here are top 7 mobile loan apps are ; 6. Time or the other our list of 10 prominent mobile loan apps online! As the second one among all of the best loan apps for online lending owned... Carbon do not require collateral or guarantors and was granted a loan are! 000 and above short-term loans to individuals and small business owners to sort out app for Android read... Are top 7 favourite 24hrs loan in Nigeria < /a > top Places to get a loan a of! Way to cancel loan application is operated by one Finance Limited using technology to your! Take advantage of this service, available 24/7, that can get a loan of N2,000 and maximum! 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