₦airaland Forum

Cyynthialove:
Nice one. Some sharp igbo guys will invade this place after completion and acquire some properties and even turn the owners of the land to tenants and gatemen in their own land. While some of my hungry Yorrruba brothers will be on nairaland shouting "it's our land our land, it's our land!" from somewhere in ajegule, even at that ajegule, ibo man might even still be their landlord. .

Smh for some myopic foools

The truth about hate is that it makes people who have no part in the accomplishments of an individual or individuals who are part of their group take pride in that accomplishment when they have done nothing to add or further that accomplishment. #CelebrateDiversity

BTW, I am Igbo.

nkemiano:
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The IPhone changed the way music is consumed. People migrated from CD’s and tapes to consuming on their smartphones. On the global scene, this digital revolution in entertainment produced companies such as Deezer, Apple Music, Netflix, Hulu, Spotify, and Tidal. While in Nigeria we have Iroko tv, Iroking, Spinlet, MTN Music plus, Cloud 9, and WYNK. These companies also represent a shift in digital consumption, from paying for individual songs, albums, and movies to gaining access to all entertainment content with a single subscription.

However, despite deploying such innovative mechanism in Nigeria, such platforms such as Spinlet and Iroko have yet to gain mass appeal. In the past, this could be attributed to the high cost of data plan, but with the availability of cheap data plan, such is not the case anymore. Another challenge faced is the piracy of movies and music. In Nigeria, one can buy an album or music for less than a dollar; equally, one can easily download these entertainment content from the internet for free. As such, these actions impede people from subscribing to such subscription services like Iroko and Spinlet when the product they offer can be gotten for free.

For the artiste and music producer, this means searching for other streams of income which include product placement in movies and music videos, sponsorship, endorsements, concerts, and premiering movies at the cinema. While this is a win for the artiste and movie producers, it isn’t a win for the streaming business to which streaming music and movies is their bread and butter. As such, this article aims to explore other sources of revenue for the streaming industry.

The most obvious revenue source for streaming businesses is advertisement. This involves attracting users to the site with free content that is supported by advertisement. Once a large user base is there, advertisers are sure to follow. This method is one that has being adopted by traditional media, which the new media such as Hulu, and Deezer have taken a cue from. Also, for platforms such as Iroko tv, product placement in original contents could serve as a source of income.

Another means is making premium content available for a fee. As such, there becomes two tiers: a free one and paid one. As users get used to consuming content on the site, it is expected that some would be drawn to the premium content and begin to pay to view it. This approach is currently being implemented by platforms such as Hulu and Deezer.

Finally, rapid adoption of one’s product could be achieved through free trials. For Apple Music, this translated into months of free trials which has translated into 11 million paying customers. This approach is also adopted by platforms such as Deezer and Netflix. As such, one can try the music/ movie service for free and it is expected that some trial users would be converted to regular users who pay to use the service.

In 2014, UBA released the Smart Money mobile app and Visa backed debit card with a lot of hype and fanfare. But beyond the fluff and PR hype, what does the product offer the average customer. Granted, it is targeted at young adults and individuals who make transactions online, on the ATM and POS. That way one can make transactions without exposing one’s account to fraudsters. Equally, one can manage one’s fund properly as one determines the amount to load on the card thereby limiting one's spending.

But however, the same benefits can be gotten by creating another traditional account with another bank, with the added benefit of accessing the bank counter to make over the counter withdrawals which UBA’s Smart Money cannot do as one is limited to ATM, POS, and online transactions.

As such, there should be added benefits that differentiate UBA’s Smart Money from conventional bank accounts. One of such is setting a higher interest rate. This would draw more people from the physical branch to the digital bank as they stand to make more money off their savings. This would also be beneficial to UBA as their overhead cost for maintaining their bank branches is lowered.

Another means is putting in place overdrafts. After all, it is targeted at young adults whom might depend on their parents for stipends. As such, the overdraft serves as a buffer till their cash flow becomes positive.

Equally, financial and investment advice and tools for making investments in stocks and the likes would be of great use to many young people who are figuring out a means to earn income and would need advice.

Finally, integrating social features into the mobile app such as enabling shared payments, and giving friends the option to compete over savings can make it attractive to young people.

Culled from thatafricandude.wix.com/thatafricandude

In Nigeria, mobile money has become the new buzz word with various platforms being churned out. Examples of mobile money platforms include Pay by Capture, Pay with Attitude, Naira Box, and Zoto. While many offer conveniences to customers which include the ability to top up airtime, pay utility and cable bills and pay at offline locations; this article aims to discuss the added advantages it offers to banks and financial institutions.

One of such added benefit is big data. In modern time, big data is essential to innovative companies taking decisions. As such, having data on consumer spending patterns enables the banks to size up the net worth of the individuals, and offer products and services that are targeted at the individual’s needs. This action would be impossible without capturing data on the individuals spending pattern.

Furthermore, by attaching such data to the BVN of the individuals, banks are able to share the data of the individual among themselves ranging from income level to spending patterns, to be able to have a picture of the individual’s net worth and needs, and offer products targeted to such needs.

This also leads to knowing the individuals credit worthiness as the income and spending pattern are already captured by the Banks. As such, credit facilities can be pushed by banks to a wide range of individuals who have the means and spend a lot. This action would be impossible if the data on the individual’s income and spending patterns are not captured and shared among the banks. This can equally be pushed through a partnership with merchants. For example, Spar’s partnership with Diamond Bank which brought about a Diamond credit card aimed at customers’ who purchase from Spar.

This large adoption of mobile payments by individuals’ owing to the customisation and personalisation of services to them and the availability of credit lines would compel reluctant merchants to adopt the service as they would sell more products and services. Equally, this will increase consumer spending as they can take loans or credit from the banks to increase their spending power, and they have the banking products and services tailored to their needs. This also further pushes the cashless policy the banks have been trying to implement.

Finally, this can aid the banks further their policy of financial inclusion. This is because individuals in rural areas and out of reach of the banks can use their mobile phones to make financial transactions without the need to be at a branch location to withdraw money. This, in turn, reduces the overhead cost of maintaining physical branches by the banks as more people move to carrying out their financial transactions on their mobile devices.

Culled from thatafricandude.wix.com/thatafricandude

Mobile payments have become the new buzz word within the Nigerian financial space. This has seen the launch of several platforms such as Pay with Attitude, Pay with Capture, Naira Box, and Zoto. While these platforms have deployed innovative means to capture the Nigerian mobile payment space, such as deploying contactless payment, loyalty points, and cross-platform mobile applications; they have failed to catch the fancy of consumers. As such, they have had very low adoption rates. This article aims to propose new means of capturing the mobile payment space.

One of such means is prioritizing small business. The bulk of transactions in the economy is carried out by small businesses, as such, they need to be focused on when deploying infrastructures and creating processes for the mobile payment. This is because expensive and cumbersome processes tend to be a burden on small business owners who would want to minimize cost and ease transactions with their customers.
Another way is rewarding customers with free stuff. This would entice customers to download and use the mobile payment platform. This can be achieved by partnering with merchants to provide free stuff for customers who use the mobile payment platform in their store. For example, a customer can get free lunch on Friday at a restaurant when he uses Pay with Attitude or get two cinema tickets when he pays for one with Naira Box. This is not a silver bullet on its own, as it needs to be constantly promoted and seen by the consumer as something they would benefit from.

Also, constantly attaching discounts and other forms of promotions can entice consumers who are very price conscious. This also on its own can be a silver bullet when combined with constant advertisement and promotions. This is also by partnering with several merchants to offer premium services and goods at a lower cost to the consumers. As such, the consumers benefit with a price discount, while the merchants benefit by increased consumer traffic and a high turnover in profits.

Equally, helping consumers discover hotspots or merchants’ location could spur loyalty by the consumer who now depends on the mobile payment platform to discover hotspots and merchants’ offering goods and services that the customer desires. This would in return compel merchants to register with the platform as they would desire to be discovered by consumers thus increasing traffic to their business.
Lastly, by deeply integrating the mobile payment into the merchants’ business, a new user experience is created breeds customer loyalty. For example, the ability to pre-order food from the mobile payment app before arriving at a restaurant, or pre-order a concert ticket or a movie ticket. This is one of the features that gives mobile payment leverage over cash which is an angle that needs to be exploited by mobile payment companies. As such, customers would prefer mobile payment when they can see a distinctive edge over cash payment.