Category Archives: Piscalux

10 Predictions for Digital Payments in 2021

Now for the fourth year, here are my predictions for digital payments in 2021 with the hope that it offers a better time for everyone than 2020. You probably have heard it a thousand times; 2020 was a shitty year for almost everyone except for technology and especially payments. Those worst hit by 2020, apart […]

The futility of utility bills for address verifications

I was recently working with a traditional financial service provider to launch a product online. And they insisted on applicants providing utility bills. Then the trouble started! Even though argued strenuously against this, but they also brought valid arguments. So, I had to take a step back to ask; why the hell do we need […]

Digital customer onboarding and engagement

A white paper on a modern approach to KYC for financial services in a digital world. Written with Unyime Sarah Tommy and Ayowole Popoola. Knowing the identity of your counterparty has been fundamental to doing business for as long as time itself. With the nature of interactions and transactions in banking and financial services, it […]

We don’t want to go back to the office again!

We do realize that this statement may be a bit too dramatic but stay with us as we try to explain why we made such an unequivocal statement. Work-from-home and it’s an almost not-safe-for-work acronym, WFH, is the new normal. WFH has been a great addition to everyone’s vocabularies but the application and implementation of […]

Simple ways to prevent banks from taking your money

Hardly a day goes by without someone screaming on Twitter about their bank taking their money even while doing little or no transactions. Trust me, Nigerian banks are optimized for money making but hey, who said you can’t beat them at their games? Here are simple steps you can take to take control of your […]