The problem has nothing to with the carrier / internet network of the provider (Airtel / MTN and co) the problem is with the bank’s infrastructure / application servers – that are not designed to execute the increased transaction traffic from customers. The banks need to install more capacity

Walking into a bank branch in Nigeria is often all you need to do in order to understand how antiquated their processes are. The general lack of urgency, attention to customer care, the constant need for paper based forms and documentation to conduct the simplest of requests, the privileging of individuals of high balance account holders over the average client or customer.

It can be really frustrating when someone has to spend a whole day just to do a simple thing, like getting your bank to reverse a duplicate transaction.

It’s no wonder some people prefer to use cash exclusively instead of dealing with the banks, which don’t always work very well despite all the “fees” we have to pay them to hold our money.