₦airaland Forum

Separating men from the boys

Instincteverest:
How Come Buhari causing Premature Ejaculations ?

When mind is not at rest, it is hardly u perform in bed very well
Sexxx has alot to do with state of mind.

No be ur fault my brother, it's buhari factor
Manage till June 2024

Good

Do you remember Slip-free banking?
That was from GTBank. In 2005. Seventeen years ago. The concept was utterly simple: come into the bank and conduct banking by filling no forms, carrying no slips. With real-time digital connections, GTBank tried to demystify banking. It was truly ahead of its time.

But that was then. These days, with new banks such as Kuda, Nomba, Prospa, and Brass, the quest for frictionless financial transactions has broken new dimensions. And because of that, these new tech-powered financial institutions are beginning to look like a different species of organisms — they’ve got the DNA of banks but are mutating into much more. Perhaps, if you really think about it, they should be known by a different name.
Take Prospa. It’s a bank that offers to help entrepreneurs register their businesses. Once the registration is complete, it then, “in five minutes”, opens an account for the new company. This is Prospa’s big differentiator. And it’s brilliant, isn’t it? If you would like to start a company but need help navigating the Corporate Affairs Commission’s online registration portal, Prospa says it will help you.

This means that Prospa is not your grandmother’s bank. It’s a business consultancy that also does banking. Now, one question for Prospa is this: how many of Nigeria’s 40 million underserved micro-businesses will it have to register for it to be profitable?

Question two: if a company is so small that it cannot afford to employ a lawyer or executive or consultant to do its registration, does that company have the liquidity or business volume to actually return a profit to Prospa?
Of course, the bank has positive projections, otherwise, it wouldn’t have attracted over $3.8m in funding from investors.

To be sustainable, though, Prospa may need to add even more extra services to its bouquet. Services like: financial accounting and market strategy for its customers. Perhaps it might even add management consulting, the sort you would typically expect from a firm like Accenture or Deloitte. Or, whoever said a bank couldn’t effectively run its customers’ entire lifestyle, planning, negotiating bargains, booking travels and holidays, scheduling and handling school fees, and so on?

Do you see where I’m going with this?

The more we follow the explosion of possibilities that technology has dropped into financial services, the more users can rely on the service providers to handle more aspects of their personal and corporate lives. The more these new banks become way more than… banks.
In the case of Brass, it has even gone deeper into the whole do-more-than-ordinary-banking thing.

Once a prospect signs up with Brass, the banks onboards them to a portal from where payments can be made, invoices can be dispatched and reconciled, and team access to accounts can be controlled. Brass appears less than a bank and more like an empathic butler who intuitively feels your pain and serves you what you need to destress and regain your bearings.

When it comes to loans, Brass says it can quickly smoothen out cash flow wrinkles. “Capital is available,” it says on its website, “based on your cash flow performance and history with us.” The website, by the way, is festooned with customer testimonies.
If we assume that those customer endorsements on the Brass site are legit, you can see how that may start a cycle of customer acquisition for the bank. New prospect sees testimonials from real, traceable businesses on bank’s website. Prospect gives bank a try. Prospects become a customer. Customer is impressed with banks’ services such as simplified operations, low charges on transactions, transparent tracking of funds, sweet interest rates, access to loans, business advisory, team access integration, and multi-platform mobile applications. Customer shares positive reviews of the bank’s services online and by word of mouth. Positive reviews attract more prospects. And the cycle begins again.

It does also help that at this time, digital banks all around the world are having a great time in the sun, particularly because they seem to have earned a lot of trust from their users.

According to the Edelman Trust Barometer of 2021, 70 percent of consumers surveyed in 27 countries, including Nigeria, report that they trust the technology industry. Fifty-three percent of them trust the financial services industry. While these numbers show a decline in the level of trust compared to the previous year, and while the financial services sector only scores about average marks, tech clearly leads all other industries. So, by bringing the halo of tech to financial services, fintech companies win more converts to their services.

Meanwhile, as we noted before, is the number of new adopters of fintech services large enough to make a difference? As great as these services are, digital banks still largely depend on internet connections and a tech-savvy customer base. This suggests that their customers are likely to be concentrated in cities — Lagos, Abuja, Port Harcourt, Ibadan, Kano, Kaduna mainly. This may sound like a setback but is it? I’d say it’s a good start.

The more tech becomes accessible and second nature to more people, the more natural it feels to hop on board a fintech platform to plan everything.

As things currently stand, digital banks are blurring the lines between consulting firms, software as a service (SaaS), money transfer start-ups, and banks — and to continue to term them all as ‘banks’ suggests that we’re ignoring the major change that’s unfolding right before our eyes.

In the meantime, while the regulators may be figuring out a distinct classification to capture this evolution, at least the rest of us can rest in the satisfaction that, thanks to tech, real lifestyle banking is finally becoming a reality.

SAM ADEOYE

https://guardian.ng/saturday-magazine/prospa-like-brass-please-lets-find-a-better-name-for-these-banks/

So if a president dies 6months to the end of his tenure, it is equivalent to 4years of a VP who constitutionally and automatically replaces him?
Nonsense section 137(3)

Best of luck

Very well

FutureIsFemale:
Actually, what she said about men being dogs already is the truth. But for sleeping with dogs, that's her life and her business.

Meanwhile, behold our next president.

What's her name?

It is beyond this
Something is missing

You are not the target, that your Kim is the target.
US wants him to do anyhow so that he can see anyhow
His brother Putin is bloating already

Solofresh2:
There is course mate of mine. We were close friends in school. So there is this day she followed me to my home (because I don't live in the hostel, I rented an apartment outside), I was so hungry so she decided to cook for me. After we finished eating, one thing led to the other and we had sex. This girl is in her early twenties just like me.

Since that day, she never lets me rest. We have been having sex and she told me she has a boyfriend. She comes to my house and we always end up having sex all the time. I have told her enough is enough but she keeps coming. I use protection though.

I blamed myself for letting her know my place
How can I discard this girl totally because as long as she comes, I will keep sleeping with her.

Silence is golden
Tune down the radio and thank me later

Dem don dey start

Ehinjuola:
Hello NLanders,
I got caught up with something on my neck in my neighboood recently.

There's this woman (A) who bought a sewing machine from one woman (B) 9 years ago, suddenly woman B just came from nowhere to come and claim the sewing machine that she sold years back that she only use the machine as a collateral from woman A that she didn't sell it for her.

Now the issue is Woman A has sold the sewing Machine and also insisted that if truly woman's (B) use it as collateral for how many years now she would wish if Woman B paid her back with the interest on the money which the money is way much more than money for 100 sewing machines.

Now questions is, how will I go abt it cause I happened to be one of the landlords in my area( I guess I am the youngest) and we are called to come and judge over the matter.
1. Woman's A doesn't posses the receipt of the sewing machine and as already sold the sewing machine
2. Woman's B want the machine at any cost claiming she has the receipt with her and she will use it against woman's A in court ( If the judgement didn't suite her taste in landlord meeting)


Note: They've gone to police station around early February which they've told woman's A abt the important of receipt and also let it known to woman's B that collateral shouldn't be more than a year and after that the person you borrow something from might as well claim the ownership what you use as collateral (Don't know maybe there's any law backing it though)

Abeg let it gain more audience by pushing it to front page thanks.

This is a NO case...
Except you don't understand the issue.

First thing you need to establish is what truthfully transpired between the duo....sales transaction or lending and borrow?

If woman B can not establish the fact that she borrowed money from woman A and used the item in question, sewing machine, as collateral through documented evidence, she can't establish any case legally.

She needs to prove that she used the sewing machine as collateral.

The time frame is another thing tho but she should prove that the machine was used as collateral firstly and not sold

Screening

Abi scamming?

Be like bicycle

A bi Ori n ta yin?
This one too na report....lala why na?

They both tried but I prefer James performance to his

Princeadebayo11:
He won't be second or third

He don turn to man u be dat?

Dem no dey tell blind man say rain dey fall....

Wike is getting frustrated by the day...he seems not to have the capability and capacity to handle more revered power.

He might turn to a tyrant if he becomes a president of a country that is so fragile and disorganized like we have in Nigeria's case

Malory:
Why do most of these things happens in the west for Christ sake?

Because 'most' that happen there are reported, others cover and pamper criminals like they do to the Boko and ugm that are hunting them down now...

And so fucking what....
Him na better person?

Ok

Noted

ChoCho54:
. You dey madt!

Her child's story, your story

Wow

Dem just dey waste and embezzle our money

Hope say he Sha get father
Because this one wey we no here 'best half'

successmatters:
I will tell you guys this, and I will tell you for free

Wike is an empty rambunctious rambling person who doesn't even understand the boasts he's making.

Someone who will tackle banditry cannot be openly boasting on air.

He might be going through a medical condition that is unknown to anyone, including himself...

So that's why he just dey spoil Chelsea matches anyhow....
God furnish him