Author Archives

I work by day, selling electronic services to hapless customers. I blog sporadically and literally begging myself to jog more to stay alive.

Three reasons why current accounts are for dinosaurs

When I started working as a new hire, one of the things shoved down my long throat was my salary account, which was a current account. I didn’t know my left from my right as the account was free to use so all the complaints of charges that customers were screaming about were like cold […]

A rant about the evolution of telephony in Nigeria

A long time ago, when chicken had teeth, the whole of Nigeria (not half of it, the whole!) had 400,000 lines for 80 million people. Of course, only the rich had these phones. Everyone went to the business center to make calls and do Yahoo faxes. Or you climb a tree and shout yourself hoarse […]

Only Free Interbank Transfers Can Fix Financial Inclusion in Nigeria

Financial inclusion is a buzzword, but it’s also a real issue for third-world countries. Many things have been thrown at it, including the kitchen sink. As far as Nigeria is concerned, nothing seems to be working. Nevertheless, I believe that significantly reducing the cost of transactions, up to the point of free transfers, will break […]

I hate shopping online. But for a different reason

Just like every other man, shopping in store is the very worst punishment, just next after going to hell. In fact, it can be worse than going to hell if you must do that with a woman. Much worse if you have to do that with your daughter. It’s not hard to figure out: women […]

Transforming Payments in Nigeria with Open APIs

This is the email that birthed Open Banking Nigeria. Sent just 2 minutes to midnight on June 1, 2017. Sent to those unfortunate to be my friends and so, are subjected to never-ending streams of half-baked ideas and utter madness. It’s a very long read, so be warned! **************************************** Good evening everyone, At one time […]