diff --git a/css/style.css b/client/css/style.css
similarity index 100%
rename from css/style.css
rename to client/css/style.css
diff --git a/index.html b/client/index.html
similarity index 100%
rename from index.html
rename to client/index.html
diff --git a/js/owl.carousel.js b/client/js/owl.carousel.js
similarity index 100%
rename from js/owl.carousel.js
rename to client/js/owl.carousel.js
diff --git a/.gitignore b/server/.gitignore
similarity index 100%
rename from .gitignore
rename to server/.gitignore
diff --git a/src/config/config.js b/server/database/DB.json
similarity index 100%
rename from src/config/config.js
rename to server/database/DB.json
diff --git a/package-lock.json b/server/package-lock.json
similarity index 56%
rename from package-lock.json
rename to server/package-lock.json
index 1dfbb7d..2604e8c 100644
--- a/package-lock.json
+++ b/server/package-lock.json
@@ -4,6 +4,65 @@
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   "requires": true,
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+      "resolved": "https://registry.npmjs.org/@hapi/address/-/address-2.1.4.tgz",
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+    },
+    "@hapi/formula": {
+      "version": "1.2.0",
+      "resolved": "https://registry.npmjs.org/@hapi/formula/-/formula-1.2.0.tgz",
+      "integrity": "sha512-UFbtbGPjstz0eWHb+ga/GM3Z9EzqKXFWIbSOFURU0A/Gku0Bky4bCk9/h//K2Xr3IrCfjFNhMm4jyZ5dbCewGA=="
+    },
+    "@hapi/hoek": {
+      "version": "8.5.1",
+      "resolved": "https://registry.npmjs.org/@hapi/hoek/-/hoek-8.5.1.tgz",
+      "integrity": "sha512-yN7kbciD87WzLGc5539Tn0sApjyiGHAJgKvG9W8C7O+6c7qmoQMfVs0W4bX17eqz6C78QJqqFrtgdK5EWf6Qow=="
+    },
+    "@hapi/joi": {
+      "version": "16.1.8",
+      "resolved": "https://registry.npmjs.org/@hapi/joi/-/joi-16.1.8.tgz",
+      "integrity": "sha512-wAsVvTPe+FwSrsAurNt5vkg3zo+TblvC5Bb1zMVK6SJzZqw9UrJnexxR+76cpePmtUZKHAPxcQ2Bf7oVHyahhg==",
+      "requires": {
+        "@hapi/address": "^2.1.2",
+        "@hapi/formula": "^1.2.0",
+        "@hapi/hoek": "^8.2.4",
+        "@hapi/pinpoint": "^1.0.2",
+        "@hapi/topo": "^3.1.3"
+      }
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+    "@hapi/pinpoint": {
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+      "resolved": "https://registry.npmjs.org/@hapi/pinpoint/-/pinpoint-1.0.2.tgz",
+      "integrity": "sha512-dtXC/WkZBfC5vxscazuiJ6iq4j9oNx1SHknmIr8hofarpKUZKmlUVYVIhNVzIEgK5Wrc4GMHL5lZtt1uS2flmQ=="
+    },
+    "@hapi/topo": {
+      "version": "3.1.6",
+      "resolved": "https://registry.npmjs.org/@hapi/topo/-/topo-3.1.6.tgz",
+      "integrity": "sha512-tAag0jEcjwH+P2quUfipd7liWCNX2F8NvYjQp2wtInsZxnMlypdw0FtAOLxtvvkO+GSRRbmNi8m/5y42PQJYCQ==",
+      "requires": {
+        "@hapi/hoek": "^8.3.0"
+      }
+    },
+    "@types/bytebuffer": {
+      "version": "5.0.40",
+      "resolved": "https://registry.npmjs.org/@types/bytebuffer/-/bytebuffer-5.0.40.tgz",
+      "integrity": "sha512-h48dyzZrPMz25K6Q4+NCwWaxwXany2FhQg/ErOcdZS1ZpsaDnDMZg8JYLMTGz7uvXKrcKGJUZJlZObyfgdaN9g==",
+      "requires": {
+        "@types/long": "*",
+        "@types/node": "*"
+      }
+    },
+    "@types/long": {
+      "version": "4.0.1",
+      "resolved": "https://registry.npmjs.org/@types/long/-/long-4.0.1.tgz",
+      "integrity": "sha512-5tXH6Bx/kNGd3MgffdmP4dy2Z+G4eaXw0SE81Tq3BNadtnMR5/ySMzX4SLEzHJzSmPNn4HIdpQsBvXMUykr58w=="
+    },
+    "@types/node": {
+      "version": "13.7.7",
+      "resolved": "https://registry.npmjs.org/@types/node/-/node-13.7.7.tgz",
+      "integrity": "sha512-Uo4chgKbnPNlxQwoFmYIwctkQVkMMmsAoGGU4JKwLuvBefF0pCq4FybNSnfkfRCpC7ZW7kttcC/TrRtAJsvGtg=="
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       "resolved": "https://registry.npmjs.org/abbrev/-/abbrev-1.1.1.tgz",
@@ -19,6 +78,32 @@
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+      "resolved": "https://registry.npmjs.org/africastalking/-/africastalking-0.4.5.tgz",
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+      "requires": {
+        "@hapi/joi": "^16.1.7",
+        "axios": "^0.19.0",
+        "body-parser": "^1.19.0",
+        "grpc": "^1.24.2",
+        "lodash": "^4.17.15",
+        "querystring": "^0.2.0",
+        "unirest": "^0.6.0",
+        "validate.js": "^0.13.1"
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+      "version": "6.12.0",
+      "resolved": "https://registry.npmjs.org/ajv/-/ajv-6.12.0.tgz",
+      "integrity": "sha512-D6gFiFA0RRLyUbvijN74DWAjXSFxWKaWP7mldxkVhyhAV3+SWA9HEJPHQ2c9soIeTFJqcSdFDGFgdqs1iUU2Hw==",
+      "requires": {
+        "fast-deep-equal": "^3.1.1",
+        "fast-json-stable-stringify": "^2.0.0",
+        "json-schema-traverse": "^0.4.1",
+        "uri-js": "^4.2.2"
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@@ -58,6 +143,51 @@
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       "integrity": "sha1-ml9pkFGx5wczKPKgCJaLZOopVdI="
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+    "ascli": {
+      "version": "1.0.1",
+      "resolved": "https://registry.npmjs.org/ascli/-/ascli-1.0.1.tgz",
+      "integrity": "sha1-vPpZdKYvGOgcq660lzKrSoj5Brw=",
+      "requires": {
+        "colour": "~0.7.1",
+        "optjs": "~3.2.2"
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+    },
+    "asn1": {
+      "version": "0.2.4",
+      "resolved": "https://registry.npmjs.org/asn1/-/asn1-0.2.4.tgz",
+      "integrity": "sha512-jxwzQpLQjSmWXgwaCZE9Nz+glAG01yF1QnWgbhGwHI5A6FRIEY6IVqtHhIepHqI7/kyEyQEagBC5mBEFlIYvdg==",
+      "requires": {
+        "safer-buffer": "~2.1.0"
+      }
+    },
+    "assert-plus": {
+      "version": "1.0.0",
+      "resolved": "https://registry.npmjs.org/assert-plus/-/assert-plus-1.0.0.tgz",
+      "integrity": "sha1-8S4PPF13sLHN2RRpQuTpbB5N1SU="
+    },
+    "async": {
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+      "resolved": "https://registry.npmjs.org/async/-/async-2.6.3.tgz",
+      "integrity": "sha512-zflvls11DCy+dQWzTW2dzuilv8Z5X/pjfmZOWba6TNIVDm+2UDaJmXSOXlasHKfNBs8oo3M0aT50fDEWfKZjXg==",
+      "requires": {
+        "lodash": "^4.17.14"
+      }
+    },
+    "asynckit": {
+      "version": "0.4.0",
+      "resolved": "https://registry.npmjs.org/asynckit/-/asynckit-0.4.0.tgz",
+      "integrity": "sha1-x57Zf380y48robyXkLzDZkdLS3k="
+    },
+    "aws-sign2": {
+      "version": "0.7.0",
+      "resolved": "https://registry.npmjs.org/aws-sign2/-/aws-sign2-0.7.0.tgz",
+      "integrity": "sha1-tG6JCTSpWR8tL2+G1+ap8bP+dqg="
+    },
+    "aws4": {
+      "version": "1.9.1",
+      "resolved": "https://registry.npmjs.org/aws4/-/aws4-1.9.1.tgz",
+      "integrity": "sha512-wMHVg2EOHaMRxbzgFJ9gtjOOCrI80OHLG14rxi28XwOW8ux6IiEbRCGGGqCtdAIg4FQCbW20k9RsT4y3gJlFug=="
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@@ -69,8 +199,23 @@
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-      "integrity": "sha1-ibTRmasr7kneFk6gK4nORi1xt2c=",
-      "dev": true
+      "integrity": "sha1-ibTRmasr7kneFk6gK4nORi1xt2c="
+    },
+    "basic-auth": {
+      "version": "2.0.1",
+      "resolved": "https://registry.npmjs.org/basic-auth/-/basic-auth-2.0.1.tgz",
+      "integrity": "sha512-NF+epuEdnUYVlGuhaxbbq+dvJttwLnGY+YixlXlME5KpQ5W3CnXA5cVTneY3SPbPDRkcjMbifrwmFYcClgOZeg==",
+      "requires": {
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+      }
+    },
+    "bcrypt-pbkdf": {
+      "version": "1.0.2",
+      "resolved": "https://registry.npmjs.org/bcrypt-pbkdf/-/bcrypt-pbkdf-1.0.2.tgz",
+      "integrity": "sha1-pDAdOJtqQ/m2f/PKEaP2Y342Dp4=",
+      "requires": {
+        "tweetnacl": "^0.14.3"
+      }
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@@ -138,7 +283,6 @@
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-      "dev": true,
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@@ -158,6 +302,14 @@
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+    "bytebuffer": {
+      "version": "5.0.1",
+      "resolved": "https://registry.npmjs.org/bytebuffer/-/bytebuffer-5.0.1.tgz",
+      "integrity": "sha1-WC7qSxqHO20CCkjVjfhfC7ps/d0=",
+      "requires": {
+        "long": "~3"
+      }
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@@ -175,6 +327,11 @@
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       "dev": true
     },
+    "caseless": {
+      "version": "0.12.0",
+      "resolved": "https://registry.npmjs.org/caseless/-/caseless-0.12.0.tgz",
+      "integrity": "sha1-G2gcIf+EAzyCZUMJBolCDRhxUdw="
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@@ -214,6 +371,54 @@
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       "dev": true
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+    "cliui": {
+      "version": "3.2.0",
+      "resolved": "https://registry.npmjs.org/cliui/-/cliui-3.2.0.tgz",
+      "integrity": "sha1-EgYBU3qRbSmUD5NNo7SNWFo5IT0=",
+      "requires": {
+        "string-width": "^1.0.1",
+        "strip-ansi": "^3.0.1",
+        "wrap-ansi": "^2.0.0"
+      },
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+        "ansi-regex": {
+          "version": "2.1.1",
+          "resolved": "https://registry.npmjs.org/ansi-regex/-/ansi-regex-2.1.1.tgz",
+          "integrity": "sha1-w7M6te42DYbg5ijwRorn7yfWVN8="
+        },
+        "is-fullwidth-code-point": {
+          "version": "1.0.0",
+          "resolved": "https://registry.npmjs.org/is-fullwidth-code-point/-/is-fullwidth-code-point-1.0.0.tgz",
+          "integrity": "sha1-754xOG8DGn8NZDr4L95QxFfvAMs=",
+          "requires": {
+            "number-is-nan": "^1.0.0"
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+        "string-width": {
+          "version": "1.0.2",
+          "resolved": "https://registry.npmjs.org/string-width/-/string-width-1.0.2.tgz",
+          "integrity": "sha1-EYvfW4zcUaKn5w0hHgfisLmxB9M=",
+          "requires": {
+            "code-point-at": "^1.0.0",
+            "is-fullwidth-code-point": "^1.0.0",
+            "strip-ansi": "^3.0.0"
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+        "strip-ansi": {
+          "version": "3.0.1",
+          "resolved": "https://registry.npmjs.org/strip-ansi/-/strip-ansi-3.0.1.tgz",
+          "integrity": "sha1-ajhfuIU9lS1f8F0Oiq+UJ43GPc8=",
+          "requires": {
+            "ansi-regex": "^2.0.0"
+          }
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+    "code-point-at": {
+      "version": "1.1.0",
+      "resolved": "https://registry.npmjs.org/code-point-at/-/code-point-at-1.1.0.tgz",
+      "integrity": "sha1-DQcLTQQ6W+ozovGkDi7bPZpMz3c="
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@@ -229,11 +434,23 @@
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+      "version": "0.7.1",
+      "resolved": "https://registry.npmjs.org/colour/-/colour-0.7.1.tgz",
+      "integrity": "sha1-nLFpkX7F0SwHNtPoaFdG3xyt93g="
+    },
+    "combined-stream": {
+      "version": "1.0.8",
+      "resolved": "https://registry.npmjs.org/combined-stream/-/combined-stream-1.0.8.tgz",
+      "integrity": "sha512-FQN4MRfuJeHf7cBbBMJFXhKSDq+2kAArBlmRBvcvFE5BB1HZKXtSFASDhdlz9zOYwxh8lDdnvmMOe/+5cdoEdg==",
+      "requires": {
+        "delayed-stream": "~1.0.0"
+      }
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       "version": "0.0.1",
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-      "integrity": "sha1-2Klr13/Wjfd5OnMDajug1UBdR3s=",
-      "dev": true
+      "integrity": "sha1-2Klr13/Wjfd5OnMDajug1UBdR3s="
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@@ -303,6 +520,14 @@
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+      "resolved": "https://registry.npmjs.org/dashdash/-/dashdash-1.14.1.tgz",
+      "integrity": "sha1-hTz6D3y+L+1d4gMmuN1YEDX24vA=",
+      "requires": {
+        "assert-plus": "^1.0.0"
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       "resolved": "https://registry.npmjs.org/debug/-/debug-3.1.0.tgz",
@@ -311,12 +536,22 @@
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+      "version": "1.2.0",
+      "resolved": "https://registry.npmjs.org/decamelize/-/decamelize-1.2.0.tgz",
+      "integrity": "sha1-9lNNFRSCabIDUue+4m9QH5oZEpA="
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       "dev": true
     },
+    "delayed-stream": {
+      "version": "1.0.0",
+      "resolved": "https://registry.npmjs.org/delayed-stream/-/delayed-stream-1.0.0.tgz",
+      "integrity": "sha1-3zrhmayt+31ECqrgsp4icrJOxhk="
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@@ -352,6 +587,15 @@
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+    "ecc-jsbn": {
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+      "resolved": "https://registry.npmjs.org/ecc-jsbn/-/ecc-jsbn-0.1.2.tgz",
+      "integrity": "sha1-OoOpBOVDUyh4dMVkt1SThoSamMk=",
+      "requires": {
+        "jsbn": "~0.1.0",
+        "safer-buffer": "^2.1.0"
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@@ -440,6 +684,26 @@
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+      "resolved": "https://registry.npmjs.org/extend/-/extend-3.0.2.tgz",
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+    },
+    "extsprintf": {
+      "version": "1.3.0",
+      "resolved": "https://registry.npmjs.org/extsprintf/-/extsprintf-1.3.0.tgz",
+      "integrity": "sha1-lpGEQOMEGnpBT4xS48V06zw+HgU="
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+    "fast-deep-equal": {
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+      "resolved": "https://registry.npmjs.org/fast-deep-equal/-/fast-deep-equal-3.1.1.tgz",
+      "integrity": "sha512-8UEa58QDLauDNfpbrX55Q9jrGHThw2ZMdOky5Gl1CDtVeJDPVrG4Jxx1N8jw2gkWaff5UUuX1KJd+9zGe2B+ZA=="
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+      "version": "2.1.0",
+      "resolved": "https://registry.npmjs.org/fast-json-stable-stringify/-/fast-json-stable-stringify-2.1.0.tgz",
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@@ -481,6 +745,21 @@
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+      "resolved": "https://registry.npmjs.org/forever-agent/-/forever-agent-0.6.1.tgz",
+      "integrity": "sha1-+8cfDEGt6zf5bFd60e1C2P2sypE="
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+      "resolved": "https://registry.npmjs.org/form-data/-/form-data-2.3.3.tgz",
+      "integrity": "sha512-1lLKB2Mu3aGP1Q/2eCOx0fNbRMe7XdwktwOruhfqqd0rIJWwN4Dh+E3hrPSlDCXnSR7UtZ1N38rVXm+6+MEhJQ==",
+      "requires": {
+        "asynckit": "^0.4.0",
+        "combined-stream": "^1.0.6",
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+      "integrity": "sha1-OhBcoXBTr1XW4nDB+CiGguGNpAA=",
+      "requires": {
+        "assert-plus": "^1.0.0",
+        "core-util-is": "1.0.2",
+        "extsprintf": "^1.2.0"
+      }
+    },
     "which": {
       "version": "1.3.1",
       "resolved": "https://registry.npmjs.org/which/-/which-1.3.1.tgz",
@@ -1451,6 +2590,58 @@
         "string-width": "^2.1.1"
       }
     },
+    "window-size": {
+      "version": "0.1.4",
+      "resolved": "https://registry.npmjs.org/window-size/-/window-size-0.1.4.tgz",
+      "integrity": "sha1-+OGqHuWlPsW/FR/6CXQqatdpeHY="
+    },
+    "wrap-ansi": {
+      "version": "2.1.0",
+      "resolved": "https://registry.npmjs.org/wrap-ansi/-/wrap-ansi-2.1.0.tgz",
+      "integrity": "sha1-2Pw9KE3QV5T+hJc8rs3Rz4JP3YU=",
+      "requires": {
+        "string-width": "^1.0.1",
+        "strip-ansi": "^3.0.1"
+      },
+      "dependencies": {
+        "ansi-regex": {
+          "version": "2.1.1",
+          "resolved": "https://registry.npmjs.org/ansi-regex/-/ansi-regex-2.1.1.tgz",
+          "integrity": "sha1-w7M6te42DYbg5ijwRorn7yfWVN8="
+        },
+        "is-fullwidth-code-point": {
+          "version": "1.0.0",
+          "resolved": "https://registry.npmjs.org/is-fullwidth-code-point/-/is-fullwidth-code-point-1.0.0.tgz",
+          "integrity": "sha1-754xOG8DGn8NZDr4L95QxFfvAMs=",
+          "requires": {
+            "number-is-nan": "^1.0.0"
+          }
+        },
+        "string-width": {
+          "version": "1.0.2",
+          "resolved": "https://registry.npmjs.org/string-width/-/string-width-1.0.2.tgz",
+          "integrity": "sha1-EYvfW4zcUaKn5w0hHgfisLmxB9M=",
+          "requires": {
+            "code-point-at": "^1.0.0",
+            "is-fullwidth-code-point": "^1.0.0",
+            "strip-ansi": "^3.0.0"
+          }
+        },
+        "strip-ansi": {
+          "version": "3.0.1",
+          "resolved": "https://registry.npmjs.org/strip-ansi/-/strip-ansi-3.0.1.tgz",
+          "integrity": "sha1-ajhfuIU9lS1f8F0Oiq+UJ43GPc8=",
+          "requires": {
+            "ansi-regex": "^2.0.0"
+          }
+        }
+      }
+    },
+    "wrappy": {
+      "version": "1.0.2",
+      "resolved": "https://registry.npmjs.org/wrappy/-/wrappy-1.0.2.tgz",
+      "integrity": "sha1-tSQ9jz7BqjXxNkYFvA0QNuMKtp8="
+    },
     "write-file-atomic": {
       "version": "2.4.3",
       "resolved": "https://registry.npmjs.org/write-file-atomic/-/write-file-atomic-2.4.3.tgz",
@@ -1468,11 +2659,68 @@
       "integrity": "sha1-SWsswQnsqNus/i3HK2A8F8WHCtQ=",
       "dev": true
     },
+    "y18n": {
+      "version": "3.2.1",
+      "resolved": "https://registry.npmjs.org/y18n/-/y18n-3.2.1.tgz",
+      "integrity": "sha1-bRX7qITAhnnA136I53WegR4H+kE="
+    },
     "yallist": {
       "version": "2.1.2",
       "resolved": "https://registry.npmjs.org/yallist/-/yallist-2.1.2.tgz",
       "integrity": "sha1-HBH5IY8HYImkfdUS+TxmmaaoHVI=",
       "dev": true
+    },
+    "yargs": {
+      "version": "3.32.0",
+      "resolved": "https://registry.npmjs.org/yargs/-/yargs-3.32.0.tgz",
+      "integrity": "sha1-AwiOnr+edWtpdRYR0qXvWRSCyZU=",
+      "requires": {
+        "camelcase": "^2.0.1",
+        "cliui": "^3.0.3",
+        "decamelize": "^1.1.1",
+        "os-locale": "^1.4.0",
+        "string-width": "^1.0.1",
+        "window-size": "^0.1.4",
+        "y18n": "^3.2.0"
+      },
+      "dependencies": {
+        "ansi-regex": {
+          "version": "2.1.1",
+          "resolved": "https://registry.npmjs.org/ansi-regex/-/ansi-regex-2.1.1.tgz",
+          "integrity": "sha1-w7M6te42DYbg5ijwRorn7yfWVN8="
+        },
+        "camelcase": {
+          "version": "2.1.1",
+          "resolved": "https://registry.npmjs.org/camelcase/-/camelcase-2.1.1.tgz",
+          "integrity": "sha1-fB0W1nmhu+WcoCys7PsBHiAfWh8="
+        },
+        "is-fullwidth-code-point": {
+          "version": "1.0.0",
+          "resolved": "https://registry.npmjs.org/is-fullwidth-code-point/-/is-fullwidth-code-point-1.0.0.tgz",
+          "integrity": "sha1-754xOG8DGn8NZDr4L95QxFfvAMs=",
+          "requires": {
+            "number-is-nan": "^1.0.0"
+          }
+        },
+        "string-width": {
+          "version": "1.0.2",
+          "resolved": "https://registry.npmjs.org/string-width/-/string-width-1.0.2.tgz",
+          "integrity": "sha1-EYvfW4zcUaKn5w0hHgfisLmxB9M=",
+          "requires": {
+            "code-point-at": "^1.0.0",
+            "is-fullwidth-code-point": "^1.0.0",
+            "strip-ansi": "^3.0.0"
+          }
+        },
+        "strip-ansi": {
+          "version": "3.0.1",
+          "resolved": "https://registry.npmjs.org/strip-ansi/-/strip-ansi-3.0.1.tgz",
+          "integrity": "sha1-ajhfuIU9lS1f8F0Oiq+UJ43GPc8=",
+          "requires": {
+            "ansi-regex": "^2.0.0"
+          }
+        }
+      }
     }
   }
 }
diff --git a/package.json b/server/package.json
similarity index 78%
rename from package.json
rename to server/package.json
index 8377040..8abc404 100644
--- a/package.json
+++ b/server/package.json
@@ -1,10 +1,10 @@
 {
   "name": "fsi-hack",
   "version": "1.0.0",
-  "description": "It offers inclusive, simple, seamless, stress-free, almost fraud-free transactions for Nigeria (the reality, there is no perfection to this; albeit, very close). To drastically reduce fraud (Building on existing, already accepted (by customers) platforms), transactions will be verified to ensure they are genuinely made by authorised users using a higher level of verification/authentication to banking processes. Via a trained model, unusual transaction patterns will be flagged as fraud and a two-factor authentication 1(2FA) will be required. In comparison and contrast to the existing OTP method, no new method will be introduced; as well, mobile phones ,including future phones(to ensure inclusion for the formal and informal sectors) will be able to automatically detect codes sent to them via SMS and authenticate such transactions (by comparing with that already encrypted on the server).",
+  "description": "It offers inclusive, simple, seamless, stress-free, almost fraud-free transactions for Nigeria (the reality, there is no perfection to this; albeit, very close). To drastically reduce fraud (Building on existing, already accepted (by customers) platforms), transactions will be verified to ensure they are genuinely made by authorized users using a higher level of verification/authentication to banking processes. Via a trained model, unusual transaction patterns will be flagged as fraud and a two-factor authentication 1(2FA) will be required. In comparison and contrast to the existing OTP method, no new method will be introduced; as well, mobile phones, including future phones(to ensure inclusion for the formal and informal sectors) will be able to automatically detect codes sent to them via SMS and authenticate such transactions (by comparing with that already encrypted on the server).",
   "main": "server.js",
   "scripts": {
-    "start": "nodemon src/server.js",
+    "dev": "nodemon src/server.js",
     "test": "echo \"Error: no test specified\" && exit 1"
   },
   "repository": {
@@ -18,10 +18,16 @@
   },
   "homepage": "https://github.com/devcareer/fsi-hack#readme",
   "dependencies": {
+    "africastalking": "^0.4.5",
     "axios": "^0.19.2",
     "dotenv": "^8.2.0",
     "express": "^4.17.1",
-    "mongoose": "^5.9.3"
+    "innovation-sandbox": "^1.1.0",
+    "jsonfile": "^6.0.0",
+    "lodash": "^4.17.15",
+    "mongoose": "^5.9.3",
+    "morgan": "^1.9.1",
+    "ussd-menu-builder": "^1.2.0"
   },
   "devDependencies": {
     "nodemon": "^2.0.2"
diff --git a/server/src/config/config.js b/server/src/config/config.js
new file mode 100644
index 0000000..e69de29
diff --git a/server/src/models/transactions.js b/server/src/models/transactions.js
new file mode 100644
index 0000000..d6b61d2
--- /dev/null
+++ b/server/src/models/transactions.js
@@ -0,0 +1,22 @@
+const mongoose = require('mongoose');
+
+const Schema = mongoose.Schema;
+
+const transactionSchema = new Schema({
+  amount: {
+    type: Number,
+  },
+  old_balance: {
+    type: String,
+  },
+  new_balance: {
+    type: String,
+  },
+  user: {
+    type: Schema.Types.ObjectId,
+    ref: 'users'
+  },
+  timestamps: true,
+});
+
+module.exports = mongoose.model('transactions', transactionSchema);
diff --git a/server/src/models/users.js b/server/src/models/users.js
new file mode 100644
index 0000000..a3413f2
--- /dev/null
+++ b/server/src/models/users.js
@@ -0,0 +1,25 @@
+const mongoose = require('mongoose');
+
+const Schema = mongoose.Schema;
+
+const userSchema = new Schema ({
+  name: {
+    type: String,
+    required: true,
+  },
+  account_number: {
+    type: String,
+  },
+  phone_number: {
+    type: String,
+  },
+  bvn: {
+    type: String,
+    required: true,
+  },
+  location: {
+    type: String,
+  }
+});
+
+module.exports = mongoose.model('users', userSchema);
diff --git a/server/src/plugins/menu.js b/server/src/plugins/menu.js
new file mode 100644
index 0000000..72ddc2f
--- /dev/null
+++ b/server/src/plugins/menu.js
@@ -0,0 +1,28 @@
+const UssdMenu = require('ussd-menu-builder');
+
+const menu = new UssdMenu();
+
+menu.startState({
+  run: () => {
+    menu.con(`
+      Welcome. Choose option:
+        1. Show Balance
+        2. Exit
+    `);
+  },
+  next: {
+    '1': 'showBalance',
+    '2': 'exit'
+  },
+});
+
+menu.state('showBalance', {
+  run: () => {
+    fetchBalance(menu.args.phoneNumber)
+      .then(function(balance) {
+        menu.end(`Balance is: ‎₦${balance}`)
+      });
+  },
+});
+
+module.exports = menu;
diff --git a/server/src/routes/index.js b/server/src/routes/index.js
new file mode 100644
index 0000000..f7781fb
--- /dev/null
+++ b/server/src/routes/index.js
@@ -0,0 +1,12 @@
+const { Router } = require('express');
+const menu = require('../plugins/menu');
+
+const router = Router();
+
+router.post('/ussd', function(request, response) {
+  menu.run(request.body, ussdResult => {
+    response.send(ussdResult);
+  });
+});
+
+module.exports = router;
diff --git a/server/src/server.js b/server/src/server.js
new file mode 100644
index 0000000..4c5f955
--- /dev/null
+++ b/server/src/server.js
@@ -0,0 +1,17 @@
+require('dotenv').config();
+const express = require('express');
+const morgan = require('morgan');
+const routes = require('./routes');
+
+const app = express();
+const PORT = process.env.PORT || 5000;
+
+app.use(express.urlencoded({ extended: true }));
+app.use(express.json());
+app.use(morgan('dev'));
+
+app.use(routes);
+
+app.listen(PORT, () => {
+  console.log(`Server is running on port ${PORT}`);
+});
diff --git a/server/src/services/nibss.js b/server/src/services/nibss.js
new file mode 100644
index 0000000..70f086d
--- /dev/null
+++ b/server/src/services/nibss.js
@@ -0,0 +1,42 @@
+const { config } = require('dotenv');
+const { nibss } = require('innovation-sandbox');
+
+config();
+
+const BVNr = nibss.Bvnr;
+
+const {
+  BVN,
+  FSI_SANDBOX_URL,
+  ORGANIZATION_CODE,
+  SANDBOX_KEY,
+} = process.env;
+
+const sandbox_key = SANDBOX_KEY;
+const organization_code = ORGANIZATION_CODE;
+let password;
+let ivkey;
+let aes_key;
+
+// get reset token
+const resetToken = (sandbox_key, organization_code) => new Promise((resolve, reject) => {
+  BVNr.Reset({sandbox_key, organization_code}, (error, payload) => {
+    if (error) {
+      console.log(error);
+      reject(error);
+    } else {
+      console.log(payload);
+      resolve(payload);
+    }
+  });
+});
+
+const verifyBVN = ({ options }) => new Promise((resolve, reject) => {
+  const result = await BVNr.VerifySingleBVN({options});
+  return result;
+});
+
+module.exports = {
+  resetToken,
+  verifyBVN
+};
diff --git a/server/src/services/sms.js b/server/src/services/sms.js
new file mode 100644
index 0000000..092dea0
--- /dev/null
+++ b/server/src/services/sms.js
@@ -0,0 +1,12 @@
+const AfricasTalking = require('africastalking');
+
+const africasTalking = new AfricasTalking();
+
+const { SMS } = africasTalking;
+
+async function sendSMS(to, message) {
+  const result = await SMS.send({ to, message, enque: true });
+  return result;
+}
+
+module.exports = sendSMS;
diff --git a/src/models/transactions.js b/src/models/transactions.js
deleted file mode 100644
index b348719..0000000
--- a/src/models/transactions.js
+++ /dev/null
@@ -1,24 +0,0 @@
-const mongoose = require('mongoose');
-const Schema = mongoose.Schema;
-
-const transactionSchema = new Schema ({
-    amount: {
-        type: Number,
-    },
-    old_balance: {
-        type: String,
-    },
-    new_balance: {
-        type: String,
-    },
-    user: {
-        type: Schema.Types.ObjectId,
-        ref: 'users'
-    },
-},
-{
-    timestamps: true,
-}
-);
-
-module.exports = mongoose.model ('transactions', transactionSchema);
\ No newline at end of file
diff --git a/src/models/users.js b/src/models/users.js
deleted file mode 100644
index 15bf170..0000000
--- a/src/models/users.js
+++ /dev/null
@@ -1,26 +0,0 @@
-const mongoose = require('mongoose');
-const Schema = mongoose.Schema;
-
-const userSchema = new Schema ({
-    name: {
-        type: String,
-        required: true,
-    },
-    account_number: {
-        type: String,
-    },
-    phone_number: {
-        type: String,
-    },
-    bvn: {
-        type: String,
-        required: true,
-    },
-    location: {
-        type: String,
-    }
- }, {
-     timestamps: true,
- });
-
- module.exports = mongoose.model('users', userSchema);
\ No newline at end of file
diff --git a/src/server.js b/src/server.js
deleted file mode 100644
index 53d94b7..0000000
--- a/src/server.js
+++ /dev/null
@@ -1,23 +0,0 @@
-const express = require('express');
-const app = express();
-const mongoose = require('mongoose');
-
-require('dotenv').config();
-
-app.use(express.urlencoded({extended: true}));
-app.use(express.json());
-
-const options = {
-  useNewUrlParser: true,
-  useCreateIndex: true,
-  useUnifiedTopology: true
-};
-mongoose.connect(process.env.MONGODB_URL, options)
-.then(() => console.log('Database connection established'))
-.catch(err => console.log('An error occured while connecting to database'))
-
-const port = process.env.PORT || 5000
-
-app.listen(port, () => {
-    console.log(`Server is running on port: ${port}`);
-});
\ No newline at end of file