₦airaland Forum

Miyachi:
Well this isn't an ego measuring contest but you can stroke yours all you want. You can be pedantic all you want and even pick on the type of font I'm using but if you can't pick the facts from what I've posted then you're not very bright. I'm not going to spell check or grammar check because of you.
oPay is not a bank. They're not the best at what they do. Their services suit a certain demographic more, it doesn't make them the best and they have their own failings.

And like I said throwing personal insults just shows on your character.

Remind me to seek your opinion when I'm looking for advice on application vulnerabilities.

There's no harm in knowing where your knowledge stops, go and educate yourself. Understand the difference between a private and public company (because clearly you do not). Then understand the type of license oPay uses and how it's is different from what conventional banks use. And like a poster pointed out, comparing the two is like comparing apples to oranges.

When you can explain dig up their financial statement and explain how that valuation was reached, then I can listen to you.

It was a healthy argument until you went off by claiming i was ignorant about finance so i only let you know i have a good idea about what i said.
No ill feelings, sorry if i said anything offensive to you, i take it back.

DomPerignon:
Cannibal 0su pig

If only slavery or forced labor was still legal i for buy you make i sell make profit so that dem fit put you to work on a farmland or construction site at least make you dey useful small...you're as useless as the salt that lost it's saltiness that Isa (PBUH) talked about in one of his parables

Villa12:
i swear

That man should be in his 30s

No mind these bloggers.

Cromagnon:
Tinubu fck your own sister or mama.why you de para unnecessarily

I dey para cos your mama do osho-free for APC delegates during convention.

20 year old boy and 19 year old girl indeed.
Na that man with strong blokus be 20 year old boy?

Miyachi:
Asides transfers and deposits what else do you do?
oPay is not a bank. Mtn provides banking services it doesn't make them a bank.
They're a Mobile Money Operator
[url]https://www.cbn.gov.ng/supervision/fi.asp?name=OPAY DIGITAL SERVICES LIMITED (FORMERLY PAYCOM NIGERIA LIMITED)&institutetype=Mobile Money Operator[/url]

Educate yourself, instead of throwing cheap insults. You don't seem very bright.

Look who is talking ... You write/spell like a kindergarten kid yet you're talking of education?
"Mtn provides banking services it doesn't make them a bank" ... the whole topic was even about banking services but you who claims to be bright is doing typing somersault here. Asides transfers and deposits what else do i do? I offer Penetration Testing, Vulnerability Analysis,Intrusion Detection and Prevention services to the very banks we are talking about, if not the i have a non-disclosure agreement with them i would have named the 4 banks i offer services to them,as such i know things about these banks you have no idea about. I do things that you can only imagine sir
I can show you my work on HackerOne, BugCrowd and Intigriti as well

CodeTemplar:
why was he recording them?

Are you always this thick? Haba mana!

Miyachi:
Can oPay receive international transactions, can oPay give you a mortgage, do they provide overdraft services? Like I said, there's a certain demographic that oPay fits and provides the most value to but you can't say they're better than all banks.

No bank is better than all banks. I guess you're not sophisticated in your use of financial so you wouldn't understand. Transfers and deposits is not all a bank does. I don't even use the same banks for my personal and corporate accounts because I understand that certain offerings meet different needs. Some banks will provide services to suit big companies while the services provided by others provide a better value proposition for small businesses. They suit your needs doesn't make them the best bank.

p.s. They aren't even a bank.

Go and check their mission statement and stop making a fool of yourself. Their focus is on domestic banking services and they are doing it better than any local bank and ordinary Nigerians who use their services are satisfied with it.
Look who is talking about sophistication ...Banza kawaii.

Na who come video them? Everything must end up for social media.

Jennyclay:
Biko, close your mouth and let us hear word .

It will definitely look like a skit to you because it’s a man that is being accused here, but if it were to be a woman you would have believed it.

By now this thread would have been on page 99 full of derogatory words about women

All men are serial cheat!! Men can never be faithful!!

Bunch of nonsense randy men!! Shior!

This damaged girl again...just because the men in your family are randy that doesn't mean every man is randy, you illiterate.

yemmit90:
100% better than any commercial bank in Nigeria, same with moniepoint. This guys finally changed the game.

Don't mind some people with their sentiments. I asked him to name his bank let's compare their services with Opay but he is yet to reply.
Opay, Palmpay, Moniepoint offer very good services without the need for Insha Allah

RIP Fawaz. May Allah grant you eternal rest brother.
A life is lost, put political differences aside for once. He had his short comings like every human but that is not enough reason to gloat over his death. Even PO will not encourage that, only a terrible person will do such.

Miyachi:
Explain the incompetence you talk about and I can tell you that oPay is plagued with equal or more in measure. I have a several current accounts with conventional banks I don't get unnecessary deductions, in fact, I only get charged a maintenance fee if I exceed a certain monthly threshold and I've only observed that with one particular bank.

I have not been to a bank branch in a long time, I send and receive international payments in the comfort of my home. I am provided with overdraft and loan facilities without even needing to enter a branch.

I believe there is a certain demographic that oPay appeals to but generally they don't have the depth of services that conventional banks provide.

Yes they need to improve in certain areas like cyber-security and customer service but they can't take all the blame for certain customer errors. People need to take their security serious too, they submit their bvn and banking details to every website / app and expect their money to be safe? Even the other places you talk of, customers lose their funds if they don't take their security serious.

I already explained it in the post you just replied to sir. Opay is better than your bank, name that your bank sir and let's compare their services.

Malroux:
But one day

One day dem go turn am to suya

Malroux:
He ran away.

99 days for him.

Miyachi:
They are public companies, they aren't private. A microfinance bank like Kuda can be considered private. Opay is also private they aren't required to publish audited financials for the public to see. So, whatever metrics they used for the valuations, it is Insha'Allah.

On poor service, I don't know where you bank, but I've received optimal service from all my banks - services that oPay cannot provide.

Who told you that?
So NDIC that registered them requires that from others but not from them? Are you kidding? This is not the year 2000 bro.

mediclife1987:
Same way Cowrywise would take over

Nothing is impossible, if they do their work well then why not.

Miyachi:
You have to consider too that oPay is a private company and startup so they can move fast and break things. For a Nigerian public company the NSE and it's investors aren't so forgiving. They might not really have as much money as you may believe to play around.

I say infinite funding because if SoftBank puts in $1billion into oPay, even if you have the most clueless CEO, it'll still take you a long way. (They put in $16billion into WeWork and I believe that isn't even their largest investment.) So, yes, infinite funding because if SoftBank believes oPay can be profitable and they need more money, they'll do more funding rounds.

Nigerian banks are private too and Opay has shareholders too so what's the point?
Are you trying to say it's lack of funding that made Nigerian banks to offer poor services? Ya'Allah

DeepThroater:
Person wey dem buy from baby factory dey talk?

You wey nah abakaliki okpo for Onistha head bridge born for awusa trailer driver dey talk ?

Banza go find your papa for Kano trailer park.

Mumu pikin, you carry your Mama nickname use am as your moniker

Miyachi:
You have to consider too that oPay is a private company and startup so they can move fast and break things. For a Nigerian public company the NSE and it's investors aren't so forgiving. They might not really have as much money as you may believe to play around.

I say infinite funding because if SoftBank puts in $1billion into oPay, even if you have the most clueless CEO, it'll still take you a long way. (They put in $16billion into WeWork and I believe that isn't even their largest investment.) So, yes, infinite funding because if SoftBank believes oPay can be profitable and they need more money, they'll do more funding rounds.

Stop making excuses for these banks. Why are conventional banks in other places offering hitch free services? In some countries you find less than 10 staff in a branch and everything works fine, these banks were simply serving the Nigerian factor,what did Opay implement that was so expensive that no bank in Nigeria could implement? It's simply bad policies and services, you deduct peoples money on flimsy excuses,monies disappear from customers accounts and the bank simply tells you "go to court"...Nigerian banks shot themselves in the foot. No excuses, not even about Softbank or anything it's just incompetence that simple.

DeepThroater:
Banza cannibal why you dey shame to claim your casted race of cannibals .


Vermin

Ask your father who also doubles as your mother's elder brother...twisted family of inbreed bastards
Get lost you swine.

Malroux:
He stole someone's phone and disappeared from nairaland. He is a thief. Run away from him.

No condemned tires and a liter of petrol around when it happened to send him to his creator? It would have been one less bigot.

DeepThroater:
See this one wey him papa marry him mama olosho pregnancy for ojuelegba


Jew wannabe rat.

You sophisticated illiterate, i am not Igbo.
I would not touch yoruba or Igbo kinship with a 10 foot pole.
Your father is your mother's elder brother if you doubt ask her she will confess.
Akuya

Malroux:
Helinues na TV he obtained.

So we have plenty Barawo here on NL?

DeepThroater:
0su cannibal

Special meat consumers


Akata ancestors

Baby factory producers

.prison niggers

Homosexual pigs of zion

Fathers of olosho and Jezebels

Shameless wanderers

Land grabbing thieves

Banza

Product of inbreeding...your daddy also doubles as your mother's elder brother...twisted family.

TemplarLandry:
Shut it!

Barawo telephone

TemplarLandry:
This is deplorable.

I dedicate "Jaga Jaga" by Eedris Abdulkareem to this repulsive news.

Great jam!

On a lighter note, the Nigerian President wannabe- paparazzi-loving Hoebi will as usual soon take his jet ski 🎿 there to give false hopes.

You this block-head...PO fvck your wife or sister ni? Allow the man be and focus on your fossil in the villa you small mind.

DeepThroater:
0su cannibal

Osu Sambisa