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Shachris02's Posts 5ljj

Shachris02's Posts

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shachris02: 11:01pm On Jan 18, 2019
Since after Atikus visit to the states, APC have been seeking to cluth on to anything, just so they can make it through.

The invented the term 'legislative immunity' to try and get you into senseless arguments with them and deviate attention from their dead campaign which was entirely focused on Atiku.

Truth of the matter is, there is nothing existing anywhere in the USA as legislative immunity.

If you commit felony on the US you cannot enter the country without getting arrested.

What these zombies are saying is that even if you are a known terrorist like Osama, you can a government entourage and US would give you right of way. If its so, you'd be seeing all manner of fugitivez exploring these.

Or can they point us to any particular law or instances where this has been applied before?
shachris02: 10:47pm On Jan 18, 2019
deomelo:
;Dr

Demented fura drinking kwashiokor looking nepostic bigot of the blood sucking fulani fame.

God punish buhari.
shachris02: 10:42pm On Jan 18, 2019
The way Buhari go take lose election next month eh.

TINUBU has already seen the bigger picture. THAT'S why u don't see him parambulating around with the sick buhari.
shachris02: 6:00pm On Jan 18, 2019
If you know, you know.

And i heard its on sale. grin

shachris02: 4:20pm On Jan 18, 2019
Lets watch if Buhari's dogs will respect this one.

3 Likes 1 Share

shachris02: 4:19pm On Jan 18, 2019
iMO is PDP!

4 Likes 3 Shares

shachris02: 8:45am On Jan 18, 2019
SEONaijaExpert:

What do you know?
What do you expect from a country in recession?
Did you read and find out what caused the economic crash?

We had years of plenty in the nation instead of saving and putting structures in place, they were looting. Everything that happened in PDP 16 years was a build up to dangerous times and we should be proud that President Buhari managed the situation well.

who took us into recession? who slowed our growth?

How can businesses prosper under a recessive economy?

How you are beginning to get a grasp on things.

What you should be asking is, how many millionaires did we have before buhari? how many are we having today.

That's a truer comparison, don't you think, mate?

1 Like

shachris02: 8:37am On Jan 18, 2019
SEONaijaExpert:
This is what President Buhari has done within the limited resources available after it was massively looted during the previous istration.

Again, they're planning to continue atikulooting.

I will enrich my friends (Atiku cabal) syndrome instead of enriching Nigerians.


shut up. Buhari did not do anything instead he took us backwards. Take Dangote for instance. Do you know how much he's lost under Buhari? Same is the story across the business community.

2 Likes

shachris02: 8:33am On Jan 18, 2019
THank you GEJ. You made Dangote the richest man in Africa.

5 Likes 1 Share

shachris02: 8:30am On Jan 18, 2019
I already know that this guy would be a failure.

VIOs are back on the roads...emboldened by the fact that this TInubu boy won.

Ambode had to stop the corrupt agberos in Uniform a.k.a VIOs. But Tinubu through his boy sanwo osu is preping them for a return.

Touts are very happy Sanwo osu is coming back. Lagos going to be one big hell under this guy.

4 Likes 1 Share

shachris02: 8:07am On Jan 18, 2019
buharitill2023:
op said some lawmakers, just 3 people,
tell thief atiku to meet with US National assembly and to visit WhiteHouse

so it's no longer visit USA, but go the white house?

Bunch of pathetic fools.

1 Like

shachris02: 7:59am On Jan 18, 2019
madridguy:
Enjoy your 3 days fame and see reality set in.


I wonder what your next campaign would be. Atiku cannot bleep Aisha?

It's done man. Buhari is gone politically. Atiku waiting a few weeks to the election to go to the USA was purely strategic, he's had his visa for more than 5 months now. You are too daft to understand it tho.

2 Likes

shachris02: 7:55am On Jan 18, 2019
madridguy:
We're gallant and no one even think about Atiku US trip because we know is already too late for him.


so much pain in just a few words.

We are here for you bro. We gat you.

5 Likes

shachris02: 7:47am On Jan 18, 2019
madridguy:
Let Atiku sleep inside white house, on top Trump matrimonial bed, it's late already.

We are moving to Next Level.

Eya. Ndo.

4 Likes 1 Share

shachris02: 7:42am On Jan 18, 2019
Atiku in the late hours of yesterday held meetings with some US congressmen at his Trump International Hotel residence, immediately after his arrival in Washington DC.

1 Like

shachris02: 8:56pm On Jan 17, 2019
festacman:

Guy we need you.... Don't kill yourself tonight yet.
shachris02: 8:49pm On Jan 17, 2019
sarrki:
I swear I would like him to visit

He's In serious pain!

26 Likes 1 Share

shachris02: 8:48pm On Jan 17, 2019
GavelSlam:

Seen.

We await further news.

So much pain in a few words grin

1 Like

shachris02: 8:47pm On Jan 17, 2019
Dami12345:
Na lie joor .
You mean a highly controversial issue and no pics of the airport, terminal.
If this was true it would be far more documented than the bible in details.

We all know if he lands there he has paid accommodation in prison.

Please someone should watch this guy closely tonight.... He might not make it through.

1 Like

shachris02: 8:46pm On Jan 17, 2019
grin zombies gonna die tonight for real.

1 Like

shachris02: 8:08pm On Jan 17, 2019
Last last this momma go sweet to lash sha.

2 Likes

shachris02: 8:05pm On Jan 17, 2019
Naajjii:

Look at this IPOB I thought you boycotted the election already, what are you talking about the election again? Let Nigerians talk about their election and you focus on Biafra.

Almajiri rat leave imo politics for imo people and go us on your poverty ridden region.
shachris02: 6:57pm On Jan 17, 2019
True but we are not voting APC in igbo land.

Not going to happen, Hope.

I can say for certain that your ambition to govern imo is quite HOPELESS.

12 Likes

shachris02: 3:27pm On Jan 17, 2019
El-rufai, can we see your asset declaration form?

You've been in government since like eternity. Would be nice to have some copies.

Instead of trying to be self righteous, kindly publish your asset declaration form.

38 Likes 2 Shares

shachris02: 3:07pm On Jan 17, 2019
Buhari did not just rape our collective sensibilities and economy. He made our global image such a who.re that any tom, dick and harry is bedding at random.

It would take Nigeria years to recover from this shame.

25 Likes 1 Share

shachris02: 12:44pm On Jan 17, 2019
Sad.

ANd it looks like he just wet his pants.
shachris02: 12:34pm On Jan 17, 2019
2018 was an exciting year for payments in Nigeria. Tons of cash came in as international investments; interbank transfer crossed 700 million transactions, even mCash had a little showing. Of course, the bitcoin bubble made a loud burst with many licking their wounds.

As usual, the following are my 10 predictions for 2019. They are mostly influenced by my understanding of the industry, discussion with various stakeholders, and my penchant for foolery. While these 10 predictions could be a guide for you, rely on them at your own risk.

Interbank transfers overtake ATM cash transactions
Come April 2019, for the first time ever and every month forever after, Nigerians will do more interbank transfers (using USSD, mobile, and online banking) than they collect money from ATM machines. Interbank has seen a steady 100% annual growth over the last few years and is poised to eclipse other payment methods as more bank customers gravitate towards USSD or can afford smartphones.

Payment Service Banking flops
The euphoria around Payment Service Banks (PSB) is unfounded as it is more about financial inclusion than fancy mobile or digital banking. Nevertheless, the poison pill of 22% CRR and 75% deposit with CBN as Treasury Bills is marking this as dead-on-departure. While a lot have applied, only a few will launch. MTN will find that it’s a different kettle of fish and would struggle significantly.

SANEF becomes a surprising success
Shared Agency Network Expansion Facility is a massive N32B undertaking by banks and NIBSS to haul in 30 million financially excluded Nigerians into the financial ecosystem. While it has been on for months with little to show apart from daily adverts by NIBSS, there appear to be unseen moves to make it a success. For example, adoption of a common API standard for opening would help the super agents get to the market faster. The appointment of Ronke Kuye, a veteran of payments and a co-founder of CeBIH, to run SANEF is a significant step in the right direction.

A massive data breach or fraud hits some fintechs
Some months ago, someone found exposed data about Arik customers which included card details, phones, and emails. This discovery underscores how pervasive the security lapses have been for technology companies worldwide. When you hear about likes of Google, Facebook, and Yahoo having breaches, you know it’s a matter of time that a Nigerian bank, a fintech, or government agency is walloped. This time around, it would be a hit so hard they cannot sweep the stories under the carpet. By the way, some of these frauds would be done by internal teams.

CBN clamps down on errant fintechs
After the embarrassing frauds and data breaches, CBN will go into a knee-jerk reaction and go after banks and/or fintechs who do not have licenses. A lot of apps will disappear with many investors dollars following the pipe into the drain.

Interbank transfer becomes N20
CBN will update its rules to force banks to reduce their interbank transfer payments to N20 a pop. Bill payments and others will not change though.

Micropayments become free
Part of the CBN rule would say that transfers below N1,000 should not be charged subject to a maximum of N2,000 per day to engender financial inclusion and cashless payments. Customers will rejoice, and I will throw a party (just make sure you RSVP). Before you think I am mad, just that CBN made ATM withdrawal free in 2013 and only put a cap of 3 free transactions when banks went begging with their grandmothers. With the cost of interbank transfer down to N20 or even zero for transactions of N1,000 and below, micropayments will explode. Now you can pay for Agege bread with N50, and you won’t get charged.

International players go big
Whatsapp finally figures out how to connect your bank (for some banks) to your app so you can now transfer funds instantly to anyone. And guess what, they will do it so well and so seamlessly that you wonder if our banks have been playing.

CBN does an about-turn on the new licensing regime
The Central Bank of Nigeria recently threw some gasoline into the fintech fire when it proposed to create 3 licensing bands of up to N5B capital requirements. Since then, everyone has been snipping at CBN’s heels.

Someone hacks AI for banking
A smart bank finally figures out what to do with the mess that Whatsapp banking. Instead of the rubbish flow, you will now be able to chat using natural language. I mean, if you can talk to Alexa in Ijesha accent with all the glory of “H factor” and it recognizes your voice, why can’t you chat with your bank Whatsapp and say “transfer N15,000 to Silifa” and it gets done?


https://dejiolowe.com/2018/12/10-predictions-for-digital-payments-in-2019/

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