₦airaland Forum

I like this app. Really nice

I think morality should be a religion on its own!

By David Olele

The importance of technology in our world cannot be overemphasized as it has become the bloodline of virtually all human activities and facets.
Hence, the introduction of technology into the banking sector has become vital towards achieving its goals and providing better services to its customers.

And of course, among the software used in the sector for smooth and swift operation is mobile app.

Techeconomy.ng, in this article, however, is presenting and analyzing one of the avenues leading banks (in Nigeria) offer services to their customers and same time make some revenue, having done an in-depth research about them.

In the course of carrying out our thorough investigation through various means such as Vox pop, public opinion, and customers’ indelible experiences in banking with the banks, we have strong confidence to announce the best five mobile banking apps in the year 2020.

Happy reading as we enlist the mobile apps and what customers have said about them.

Below is the list of the best 5 banking apps in Nigeria 2020:

1. OneBank

2. ALAT

3. GTWorld

4. Zenith Bank Mobile App

5. Stanbic IBTC Bank

1. Onebank
Among the best five mobile apps in Nigeria, Onebank; an app owned by Sterling Bank PLC is the favourite.

The app is taking the lead because it is well downloaded across platforms such as Google play and apple app store and from customer’s perspective, it is truly a ‘digitalized bank’.

Its features are easy to access and it is user-friendly. Onebank mobile app is highly rated on Google play store and Apple store.

And of course, the app does not have any security challenge. Our investigation reviews that it meets up with necessary standards to lead the way.

About one hundred thousand customers have already downloaded the app in just about 12 weeks. Many users commend the good effort of the bank to bring the app their ways while some customers have one complaints or the other.

Free-free to read about the users’ comments below:

What We Like: OneBank brings a whole new financial and non-financial experience to the digital space.

OneBank offers payments, lending, investment, advisory, informational and life-style services which brings that intuitive banking experience on your mobile.

What We Don’t Like: “The app keeps crashing on my Gionee phone, even with the update.

“I can only log in and once I’m in and attempt to perform an operation e.g airtime recharge, the app would just go off. It’s appalling cos I have installed.”

2. ALAT
Alat is taking the second position among the five best banking mobile app in Nigeria in the year 2020. The app is also rated high on Google play store and on Apple store.

Thousands of users have reviewed the app and given it high score while some have one complaint or the other.

What We Like: One of the users said the app is the best banking app he has ever used.

According to him, it is fully digital and he has never had the cause to physically visit the bank for any transaction.

What We Don’t Like: A user said he has done all procedures required upon signing-up, the message that keeps popping up is that: ‘the email does not correspond with the email I registered with Wema bank’.

3. GTWorld
Also, our findings have shown that GTWorld is among the best mobile banking apps in the year 2020.

GTWorld is rating high on Google play and Apple store. About one million people have downloaded it.

Some customers have also expressed their both positive and negative experiences.

What We Like: A user said GTWorld is still one of the best banking apps to use, it has a lot of useful features.

What We Don’t Like: A user said she could not setup her pin. Also, she could not change the authentication method for transactions from token to pin.

And when she put in the 6 digits of the card, she got the OTP and input the card pin.

Whenever she did that, the account got blocked, and she had to go through the hassle of unblocking it.

4. Zenith Bank Mobile App
This report may not have been complete, if we commit an error of omission about Zenith bank mobile app.

Zenith bank being among the best five banks in Nigeria that are setting the pace for other banks to follow in technology, as a standard and users friendly mobile app.


The application is among the most downloaded app across platforms such as Google play, apple app store, and Microsoft store.

Also, from the information gathered, you will see what the app users have said below:

What We Like: According to a user, please make it possible to have a PDF file download after a successful transfer which can be shared with the receiver to confirm the transaction.

It is not a bad idea to make it possible for customer to login and download a statement for old transfer too. The transfer should be clickable.

What We Don’t Like: A customer said, “your App is way too old school. Can you try lefting your mobile App to new school?! By adding blind option to account balance.

“I hate it when I login, the first thing that I see is my account balance. Please the IT team should get to work for upgrade. Looking forward to seeing the new face your app.”

5. Stanbic IBTC Bank
Stanbic IBTC Bank mobile app is the fifth one among the five best banks in Nigeria in the year 2020.

The app is also rating high on Google play store and on Apple store. Thousands of people already use it.

What We Like: A user said: “Wow! I love this App. Especially the voice command added. Nice job! Keep it up.”

According to a customer, “The best App when you are looking for bank app to use. Very easy to use and understanding of it is top notch. You can sit in the comfort of your house and reach the world.”


What We Don’t Like: A customer said, “I’m good with the app. But it’ll be completely reasonable if a feature for account upgrade is added.”

Another user said: “Pls this app is too childish. The fonds is so tiny and not properly aligned. Why this kind of useless app.

“I tried to generate my banking report and it says my bank account is not linked to any Email. I do get reports before so where did you guys dump my email?”

We all have a stake in the country. To contribute our quota is to make a successful country.

We can
We will
We must.

The “Stand With Nigeria” campaigners (with campaign hash tag, #StandWith9ja and wishing to be officially known as Patriotic Alliance for National Development) on Tuesday, 31st of October had a formal lecture where roles of youths in leadership and governance were redefined. The event was well attended and reported on Radio Nigeria, Enugu National service on Frequency Modulation 92.9. Below is a very similar trans copy of the news report as filed by Edith Ajah;

A corps member serving in Enugu State, yesterday, Tuesday, 31st of October, launched a “Stand With Nigeria” Campaign, hash tagged “StandWith9ja” in the state.

The event with the theme; “Making of A New Nigeria: The Youth Agenda” was held at the Enugu North Local Government Secretariat’s City Hall with government officials and other dignitaries in attendance.

The corps member, Moshood Muhammed with the state code EN/16B/4959, it was learnt started the campaign as a personal Community Development Service effort until some of his colleagues adopted the ideology and joined the movement.

Speaking during the event, the Assistant Director, NYSC, Enugu State, Mr. Ernest Ebekine charged Nigerian youths to continue to work together for the development of the nation by ensuring they do the right thing at all time.

According to him, he was happy a corps member in the state could think of how to sensitize others to have the right thinking attitude, cause change so as to move Nigeria forward.

In his words, “I feel so glad that one of our corps member initiated this idea. This is a right step in the right direction because through this programme, a change will occur and our country, Nigeria, will move forward”.

The State Director of National Orientation Agency, Mr. Isaac Onukwube lauded the initiative and encouraged the corps members present to always present the country in good light.

He added that event as such should be embraced by many as it would help redirection of grievance registration by youths and other stakeholders in the country, rather than causing mayhems.

In his remark, a guest speaker at the occasion, the immediate past Commissioner for Human Capital Development and Poverty Reduction in Enugu state, Mr. Godwin Ogenyi maintained that youths should aim at making Nigeria better through their creative abilities.
While lauding the initiative of the corps member and his colleagues who put the programme together, the former commissioner charged them to equip themselves with necessary skills, and do away with the usual complaints about what is not good about the country.
He noted that opportunities only come to those who are prepared for it.

Mr. Ogenyi said; “What we are doing today is an idea of a young man, who has decided to redefine the kind of Nigeria we want to see, to consider those things we need to be able to do this. Obviously, he (Muhammed) has engaged his colleagues so they can collectively challenge the ills in the society. This is good”

Earlier in his welcome address, the founder initiative, Mr. Moshood Muhammed said the aim of the programme was to encourage patriotism among Nigerians, with special focus on the youth so as to unite and move the nation to a greater height.
He added that the inauguration of volunteers became necessary owing to the need to continue the campaign beyond his service year, noting that the same campaign is currently being mobilized for in Ogun State as well as other parts of Nigeria.

Explaining the rationale behind the project, Muhammed said; “this campaign started with a view to engage the youth so as to orientate and re-orientate citizens of the country, augment the patriotism of our people so that we can collectively move this country forward.

“The country, Nigeria, cannot move forward when we are not a part of it. There is a need for us as citizens to come on board, acts responsibly and ensure they put the country first in everything we do, because there is no leadership without followership”. He noted. -

Some members of the movement expressed satisfaction with success of the inauguration and extended an invitation to other youths to key into the vision of building a better nation for all. One of them, Justin Izuchukwu Okosa said; “I thank Mr. Moshood for bringing up the idea. The campaign targets the youths so we can engage the youths of the country on the need to be patriotic because when we (the youths) do the right thing, the country will move forward.”

Another participant, Kolade Tinuola, had this to say; “Most Nigerians have turned to western countries to pursue their dreams because they have lost interest. With this attitude, we would not be able to build the kind of country we seek. Everyone of us must be part of the nation building process; in Nigeria, my contemporaries should believe that we can make it and Nigeria will rise enviably. That is why we have started this campaign”

The event, which saw the inauguration of volunteers for the campaign had in attendance a member of Enugu state House of Assembly representing Ezeagwu State Constituency, Hon. Barrister Chima Obieze; Police Public Relations Officer, SP Ebere Amaraizu; Local Government Inspector of Enugu North, Mr. Maduforo Chinedu and senior officials of the NYSC in the state among others.

I shared this on 29th day of May, 2017.

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By: Moshood Muhammed

Generally speaking, the people constitutes mainly the element, admissible and permissible in democracy, the Nigerian system of government, with whom the decision of who becomes what, get what and at what time is taken and for.

With reference to the definition a former President of United States of America, Abraham Lincoln, participation of people, who are an indispensable element of government and leadership of a country, is believed to be non-negotiable. But, reverse is sharply the case in the issue of Nigeria, the most populous black-skinned people country in the world.

The rare magnanimity of the then military ruler and Head of State, Rtd. General Abubakar Salami saw Nigeria return to democratic rule in 1999 with Olusegun Aremu Okikiola Obasanjo as the democratically elected President. After he exited office, Nigeria has successfully transferred power from one leader to the other and most recently, from a political party which Nigeria started with, the Peoples Democratic Party (PDP) to the now ruling All Progressives Congress (APC), in a very peaceful and uncommon manner, alien to the African politicians and its many years of political sojourn. This remains one of the feats we have achieved as a country.

On return to democracy eighteen (18) years ago, expectations were high, no thanks to the ‘nightmares of military rule’ and having seen what democracy infers in other climes. Nigerians could not hide their joys when the Obasanjo administration came on board; many were promised with very infinitesimally done so far and nothing done in many cases, even by successive occupiers of the Aso Villa and other public positions in the yesteryears up till now.

Power supply has remained consistently out of supply in many homes, villages, cities and factories, forcing Nigerians to make darkness their neighbours, while many businesses went out of operation, with others relocating to neighbouring countries; education is yet to recover from the colossal damage done to its structural and administrative hitherto strong rooting. Same is the case with Agriculture, which was formally our source of national financial muscle depleting into a business of very few with little concentration from government, not until recent time. The list is endless.

As much as it incontrovertible that all is not so well, coupled with corruption fast becoming regalia of our political actors, it does not translate to the end of the road for the country. The country has despite the political upheavals that greeted the preparation for last general elections among other issues emerged, a united country, though with affray from some parts of the country.

As Nigerian democracy gets a year older, concerted efforts must be made by all in seeing the birth of the new and assuring country Nigerians would be proud of.
Now, the leadership of the country and government structures across board must be sanitized and made to work in the interest of the people, while the trademark of corruption on most political office holders is ‘confiscated’. Our leaders must be aware that if everyone who has at one point or the other occupied the office did not leave, they would never have the opportunity to get there.

Furthermore, the central government must not surrender in its struggle for a well respected country in Africa and beyond, flush out, in sincerity the demonic corruption tendencies, that has almost brought the country on its knees, out of the country; wipe out the inkling Boko Haram insurgence stint, rescue the remaining Chibok School girls, get back home Nigerians leaving like foreigners on the own soil, neighbouring countries. Also, our economy which somersaulted must also be revamped, with the diversification plan executed speedily while ensuring an enduring, stable and uninterrupted power supply to all nooks and crannies of the country. This will do doubt help recover our hailing economy and set us forthwith on the path to prosperity.

On the other hand, Nigerians must see The New Nigeria project as a collective assignment, on which the destiny of millions of our country men and women are tied to, and indeed that of many generations yet unborn. Should the war against corruption be won, proceeds recovered and ultimately pumped into the economy, Nigerians can be certain of a speedily developed country. Hence, everyone must resolve to join the campaign, reject proceeds of crime and never be involved corruption. Charity they say begins at home.

Similarly, our parents, families, religious leaders, teachers and schools must note that they are either partner in crime or partner in progress, depending on what they make of the flock in their care. There is therefore a great need to have them support government and by far, the popular view, rid the country of many rots she has found herself in. This implies that the song of anti corruption, transparency, accountability, hard work and perseverance should be continuous on their lips.

The truth is, should we fail to augment our resolution for the ‘hell-lots’, vent our displeasure with the widely affirmed abysmal state of things, by participating meaningfully in the affairs of the country, our complaints would be mere noise. In other words, our political affairs, call for accountability, responsive and responsible government should not be left in the hands of politicians and the acclaimed ‘opposition’ parties, we must all make Nigeria work for our good. The rumoured military take-over is not and will never be in the interest of majority of Nigerians. As such, we must all defend our democracy and make it stronger.

Though, all may not be rosy for us as a country, it is never a time to give up; our participation in governance should be strong, defiant of oppression tendencies of any public office holder, bad governance, misrepresentation among others, like never before. Surely, we would get there.

If you are not participating, it is not making sense. #Standwith9ja

God bless Federal Republic of Nigeria!

www.moshoodmuhammed.

By: Moshood Muhammed

Darkness cannot drive out darkness, only light can. Hate cannot drive out hate, only love can do that.
- Martin Luther King Jr.

In the build up to the 2015 General Elections, caution was thrown into the wind and modesty spanner got lost in the can of oil of exuberance by many, including the supposed highly placed individuals, public office holders inclusive, in their usage of words on other people. This saw many prophecies by those tagged as “agents of doom” pronounce the break-up of Nigeria while international community had their attention shifted to happenings in the country.

Then, campaign of calumny, derogatory statements, advertorials, and all sorts became arrows in the hands of the ruling class and the then opposition. They flew freely, from all corners across the polity. No one perhaps would have doubted the prophecies, as fears in the land for a possible military coup heightened, as another school of thoughts believed.

Religious and traditional leaders among others were a part of this dastard and divisive prone act. A king in Lagos state, with reference to the state’s governorship election and in a bid to make his choice candidate known made a statement that caught a serious backlash across the country. That was the magnitude of the shameful act, it did not spare the highly reverred stool of an Oba - king, a well respected position in the land.

Two years into the leadership of the country, led by the President Buhari, the trend has continued unabated. And no doubt, it has become widely spread like a fire during harmattan, and it has become a norm, to the regret of the current leadership of the country. This time around, it has taken a new but more serious dimension, especially as the call for a sovereign state of Biafra by Indigenous People of Biafra (IPOB) goes into head.

Asides the ethnic nationality coloration hate speeches has successfully courted, religious individuals, groups, mass media and online platforms have also lent shameful dancing steps into the trend, whether overtly or covertly. Media platforms owned by politicians and their allies have been used in doing the BAD JOBS.

More recently, social media have become the new hotbed, as the popularity of the internet-facilitated communication platform has further promoted this ugly trend. Anonymous, wrongly attributed messages are spread across, either cautiously misleading or unconsciously popularized by various individuals, with a view to sowing ember of discord among various nationalities and groups making up the country.

Sadly, all these events have further weakened the unity of the country and the peace being enjoyed is likely to be sent to its early grave.

Speaking recently on this rather unfortunate situation and possibility of another round of civil war, going by the recent provocative events, a former military administrator, Rt. Gen. Ibraheem Badamasi Babangida, said hate speeches was one of the reasons the country engulfed in a civil war years ago and warned that such may repeat itself, should the barrage of odium comments go unchecked.

In view of the foregoing and considering the dangers inherent in the ugly monster rearing its head, the government and its various agencies should ensure that a proper orientation of Nigerians is done, while law enforcement agencies should employ the relevant sections of the country’s constitution in prosecution of ANY individual who uses, promote hate speeches, regardless of how highly place such may be, including social media users. The giant of Africa and most populous black-skinned state in the world is not a lawless country. Law should be made to take its course!

Religious, traditional and sectional leaders should be weary of their actions and inactions, serve as worthy peace ambassadors to their followers, preach tranquility and ensure grievances are settled without raising dusts. Even IF there will be a break away, as being clamoured for, it can be civilly done. Like a sound fellow once sounded, wars are no picnics!

Similarly, mass media and indeed Nigerians must also see the call for oneness, unity and peace of the country as a collective business and assignment. Messages that are capable of undermining the relative peace being enjoyed by the country must be discouraged.

Nigeria is and will always be a prosperous country, when her people stand together as an indivisible entity. The diversity of the country is an uncommon blessing. It is beautiful! #standwith9ja

May God bless Federal Republic of Nigeria!