Topic: Whenn last did you visit the bank? - page 2. (Read 526 times)

Na true you talk because even me I no fit remember when last I go bank even before the cashless policy, I no dey like go bank instead I dey prefer to use POS no matter how huge the amount is, wetin I dey normally calculate much na time, my residence dey far from bank so I dey calculate the transportation fees for go come, the money don pass the charges for the POS, I dey spend almost one hour to get to the bank and come back, na this matter be the reason why I no even collect ATM rather I dey use mobile apps to do my transaction, one hour wey I go use go bank to back na em I go use go POS and also do wetin I want do within one hour.

Truly if not because of safety I go like to they keep my money for house because sometimes I no dey get access to money when I need am, even this network issue don tire me, and also that unnecessary charges and also fraudulent people too dey disturb person.

I just like the fact say you no begin dey shout and sing praises of bitcoin  and cryptocurrency in general because if na others the next thing you go see be say na bitcoin  make people stop to fey go bank which is absolutely  wrong because at the end of the day, with all your bitcoin holdings, you go still need naira.
Frankly I no fit remember when last I enter our banks and reason been that I never really get anything to go do there because Firstly when I reason transport to reach Bank which is about 800 naira to and fro, aswear I no see reason to reach bank because  with that transport I fit withdraw 80k once and I never really do transactions wey go require me pay upto 80k physical cash.
I still dey pray make I no get reason to go bank not anything soon except better money drip wey dem go block my account.

@op, e be like small error dey your topic make you edit the "whenn" comot one "n"

The truth remains, everyone of us cannot do without bank , and that  you have not visited the bank for some months does not mean you can do without it. Most persons who have been to bank still have their ATM card working perfectly and some do not have any issue with their account.
If you have not been to bank for some times now, then you must have been to P.O.S to withdraw money. Even the p2p transaction requires the bank.
When there is mass adoption and usage of Bitcoin for day to day activities then going to bank for anything will be optional

Evolution is contact in life, so many things will spring it up, whether with positive effect or negative effects, it has given pushed innovative ideas to the limelight. That's why some often alleged bad policies bring about innovative solutions to problems which is another avenue that people diversify and make more money. I believe the cashless policy is a case study. Unfortunately, our government is not necessarily Digital currency friendly, they would have widely adopted the technology or at least explore around the technologies.

Government needs to be more proactive and prudent in opening its windows and doors to vast of ideas out there.

Even bank too no say costumer no dey too come bank now, as of last two weeks ago first bank dey look for who to give pos machine, this one surprised me well well  because the all first bank no fit sit down dey wait for costumer to come because they discovered say people dey move to wallet bank now because their charges dey cheap and network is almost 100%. When we dey complain about their charges we were thought that the charges are low now,

It's actually quite funny you know because I also can't quite recall my last visit to the bank after all the horrible experiences I had when the shenanigans of the whole new naira note shortage was going on. I think I am now bankophobic  because the whole system of business is now trying to meet up and things are a bit lot easier in Nigeria.

I nor fit remember when last I enter inside bank or even go atm machine sef. Na pos I dey use oh, and most shops don get the machine and them dey also accept transfer. Things don really change for naija oh, and na since that cash scarcity time last year nai business owners come wise. If I get transfer problems, I go just email the bank or write their customer support for twitter. This pattern fast pass the time way I dey go stand line for inside bank, those customer care girls go come dey use person dey turn round.

Mehnnn, na January wey I enter di banking hall last and wetin really carry me go there na because I need hard copy of my statement of account. POS, ATM machines, bank transfers don make transaction easy for people, na before before wey I dey go queue up in other to deposit or withdraw money. Now POS don dey everywhere, wen I calculate di money wey I go use pay transport go bank, di time wey you go waste and di stress, I go just reason say e no worth am and I go just accept to pay di POS vendor di charge instead to run di transaction for me.

 You know say this question nah funny one but nah something wey we dey overlook because of POS and mobile banking app. The funny part be say I dey dread go there unto say the line wey person go cue on just to collect moni no be here. And sometimes too, after staying there for a long time, e fit reach your turn and them go say cash don finish or one crazy excuse.
Another annoying thing about banks nah be say if you go use their ATM machine, sometimes your card fit get swallowed. Honestly, I no go lie say POS don help reduce the stress. But the way some of them dey charge eh, e go make u reason bank.

The introduction of POS and Moblie banking don really make things easier for us especially in terms of withdrawals, the way queue de always de for banks especially during period go make you hate bank so much. As i see this post i just de remember one say wey i see shege for bank as i go withdraw mumcy salary, the kind queue wey i see dat day i stand for almost 3 hours and when e vin de reach my turn na im dem talk say cash don finish for the machine so we still had to wait before dem still stack the machine with cash. This experience just make me de avoid bank matter ever since and i think the last time wey i enter bank na when i go request for account upgrade and also new atm card and e don reach a year now or even pass sef and after the upgrade i no de really use this banks again. Opay and palmpay has been my most used bank because of their fast transaction.

If you compare this N100 and N200 charges to the amount wey you go spend for transport go bank you go see say much difference no de na why we de jejely use go POS to withdraw and also the issue of queue wey de dey for banks de discourage us from going to the bank.

Na so i been de think too say how dem de take see customers as dem don too plenty and in some areas you go see like 5 different POS line up near each other, but then one of my friend wey own a Pos con de tell me say even as dem plenty all of them de see customers say na we de see am like dat and i con reason am say the rate wey people de transact everyday no be small.

Haha, don't be surprised if or when I tell you I stayed more the seven good months before visiting a bank recently.

And why did I visit the bank?

It was because, I transferred the sum of #180, 000 naira to someone and he didn't get the money, even when I had been debited, we waited for 2 days and the guy did not get the money, I normally do lodge my compliant online and within a few days, the issue, no matter how serious, will be resolved, but this time, I just on my own decided to visit the bank branch close to me since it's been a while since I last visited the bank, so I went physical to lodge my compliant this time, and within days like normally with my online complaints, money was refunded back to my account.

So yeah, the emergence of POS and mobile banking, have indeed reduced the stress that comes with operating an account with a bank here in Nigeria .

Just that POS operators don too much, in my area here, you can't walk for 5 seconds without seeing a POS stand or shop, sometimes, I dey wonder how they take dey see customers self  .

POS don dey around for some time now and the growth on the business don dey explosive way be say, e hard for you to walk around any corner for any urban area and you no go see at least one or two POS stand. This business don bring about the rise of plenty wallets (online banks: Monie point, OPay, etc) and these guys don make services cheaper and access to POS machines more affordable and accessible but, the skepticism side still dey.

You know goose calls way person go receive con dey tell you say, them be your bank manager and you go send them some code via say something dey wrong with your account… The thing don make some people to dey careful on how them dey use POS services and these categories of people still dey dey prefer inside bank than any alternative but the better be say,
E don drop wella.

The cashless policy and change of notes open Nigerians up to possibilities of easy and faster means to finance handling. E help banks too if you ask me. Less paper work and time spent in attending to customers as well as managing people. E dey hard me go bank for any of my personal transactions. Mobile banking and the availability of customer care support on the apps just makes banking a lot more easier and the charge on POS service no matter much for petty transactions.

Thats true op. And the most discouraging part about not seeing any need to stand in queue at the ATM point to make withdrawal is how money finishes in the machine when it's close to your turn, like one or two persons to your turn after you have stood in line waiting.

Those recurrent cases was part of what discouraged me from having the liver to stand at ATM point for withdrawal when I can just perform same using a POS point with just #100 charge, saving my time from been wasted.
Microfinance banks has been a life saver during and after those times of scarcity of the Naira with their fast payment system hardly getting hanging transfers. But even as that I wouldn't encourage anyone to leave huge sum of cash in those microfinance banks like palmpay, Opay and Kuda etc. If you want to keep a huge amount in your bank account do that with those banks with physical offices saturated all over the States and country it's much saver as you have where to walk in ask easily lay a complaint.

You can leave a little amount in this microfinance banks for daily quick transactions and expenses buy never as a means of storage . E get why!

Wetin I wan go find for bank wey POS full everywhere for street? The distance from where I dey stay to bank I fit spend like four hundred naira just for transport fare, and not that person go deposit or withdraw the money instantly their customer attendans in banks (cashiers) go first behave like sey them be second angel of death, you go to their ATM stand for queue just to hear sey the machine swallow your card.

Sha e no get as e be for now we still need all these commercial banks service, I don't know the kind of technology wey go come in future but for now I go still rate them as the best. Some people still de wey no too believe in all these microfinance Banks dem, dem never still get mind to they put money for microfinance Banks like opay, palmpay, raven and fairmoney e.t.c because them they think sey they fit run with their money any moment and if anything like dat happen to locate their branch go de difficult so the safety of our money na im be d Koko. Banks are more reliable but e no de stop me from using my opay.

Since Buhari show us shege during and after election on the cashless policy, I don't even use cash except rare cases of transportation when I use public transport. If there is any area that I like about the past government is the cashless policy but the way they bring wasn't friendly at all, I will never forget frustrations I experienced during and after that election time.

I like how things have change in the banking industry, there was this time Nigerian Commercial banks think they are gods, the untouchable because there was no alternatives then but today, with your ₦200, you can have your thousands of naira instead of walking or drinking Kilometers away to go and use their machines that will even swallow your card at the end or during the transaction. Nigeria Bank ATM don swallow your card before, the experience are not funny one and I love the innovation how it changed the banking sector.

As it is right now, there is even more competition among the micro finance banks, Kuda was one of the first micro finance banks in nigeria, then Opay follow when their transportation idea died and since the launch of their opay POS, they have become one of the fastest growing bank in Nigeria, Palmpay is good because of their loan but moni point is now fighting to have more customers, they just launched their mobile app on app store and play store to get more customers. Their adverts is all over BBNaija shows to win Nigerians heart but opay is already leading with their lightening transaction.

To be frank I see the evolution gradually taking place in the banking and finance industry and sooner than later banks would be a thing of the past as people are gradually doing away with the reasoning of going to the bank to do transaction and believe me there would be downsizing of work force in the banks as people are no longer interested in going there for anything. These days, people prefer using the POS vendors than going to the bank for transaction. At your convenience,  you can transfer huge amount of money from your microfinance bank app if you have scaled through the KYC process that grants you such privilege.
I really have not been to the bank for quite a long time now as a result of the ease and satisfaction I derive in using my microfinance bank app. So far it has made people gone digital and cashless that you have joy doing transactions.

As e done tay way you go bank nai he say the day way you go go there again, my broda if you no get patient you no go fit endour the frustrations for bank because them go just turn turn you (you fit even confuse self).
First of all when you reach as you collect your number, if you no get luck maybe them go give| you number 85 and you go stand for line for hours under sun, then when you enter inside you go stil stand but make you not dey surprised when you no reach do waytin carry you go there, i remember when I won go collect ATM card how I suffer and still my transportation self nah waste, can you imagine since then I never collect ATM card nah transfer I dey do, thank God for the help of this micro finance bank way them they call am OPAY, I done collect their card and nah im I dey use but I no dey put big money inside because I no won hear story, although them they licensed by CBN

E Dn really tey wey I enter bank last about 2 years plus now. POS and online banking has really reduced the stress of standing at the ATM stand. Personally, back then I hated going to bank because of the stress that comes with it. You ft spend a whole day for bank make u no achieve wetin u go do there

No be small thing o, me e don tay wey i visit bank o. I visit bank every 4 years to renew my ATM card as all my transactions are being done online.

Thanks to modern way of banking too like the microfinance banks. At least with the establishment of these online banks it has made it easy for us to perform series of transactions without going to the bank to stand in queues.

And moreover their are transactions that requires urgency like maybe when a loved one is being hospitalized. And you know anything concerning a persons health requires urgent treatment and attention so imagine a situation where you need to go to the bank to withdraw or transfer money before the patient will be attended to. So you can see how these online banking have aided us so much because you can actually perform transactions immediately with a phone theirby making monetary transactions easier and more convenient for us.

Furthermore, online banking has also reduced criminal activities because sometimes going to the bank always is very risky because some criminals will start monitoring your movement whenever you go to the bank and again since alot of persons now focus on online banking, criminals have find it difficult to rob people because most people doesn't go about with money in their pocket again. Imagine during the naira redesign, if not for mobile and internet banking the masses would have experienced more severe suffering but they didn't experience much heat because people where performing transactions via their phones and other online medium of transactions. So for me there's absolutely no need going to the bank anymore.