Content Comparison

ChineduKenneth

3539

SME owner (fashion retail)  QA Ananlyst, Akwa Ibom

ModerateExperienced

Uses mobile banking apps (GTBank, Access Bank) for daily transactions and a POS terminal for customer payments. Prefers platforms that offer quick, reliable transfers and clear transaction histories.  

Android phone (Tecno Camon 16) 

Chinedu heavily relies on his POS terminal for business operations and uses fintech apps to track transactions. He is often frustrated by network downtime with POS systems and values transparency in fees. Easy-to-read transaction reports and the ability to quickly reconcile daily sales are critical for his business.

.

Android phone

Kenneth is a QA analyst, uses gtbank to save earnings on a monthly basis, saves foe emergencies, kids school fees and towards buying a landed property.

Maryam

25, Abuja

Trader (Manages mums business)

Low

Uses mobile money apps like OPay and PalmPay for personal savings, transfers, and accepting payments from customers. Not particularly tech-savvy, but uses these services due to their ease of access and lower transaction fees compared to traditional banks.

Android phone (Infinix Hot 10)

Halima needs simple, straightforward fintech solutions with minimal steps to complete transactions. She values reliability, especially when receiving payments from customers. She finds features like SMS confirmations and immediate access to funds critical for trust in the serviceMTN, Zenith and Gtbank

Iphone

Maryam keeps part of her earnings in Zenith bank and only uses when an urgency arises. She shows interest in savings with any company that offers good interest rate.

TundeAnthony

4028, Lagos

Corporate accountant (mid-sized firm) Student/works for Uncle  

High

Uses digital banking platforms and business fintech solutions for managing payroll, supplier payments, and invoicing. Regularly interacts with multiple banking platforms for business transactions.  Primarily uses personal banking apps like Gtbank for saving, budgeting, and personal transfers. Also utilises fintech apps like Opay for peer-to-peer transfers and mobile payments.

Windows laptop, iPhone 13

Tunde requires fintech solutions that streamline business transactions and offer integration with accounting software. He values features like automated invoicing, bulk payments, and detailed reporting, but he finds it frustrating when banking platforms lack API integrations with their business software. Efficiency and robust security features are critical for business operationsAnthony uses inventory system in supermarket he works to efficiently track, manage, and control stock levels, ensuring that products are available for customers while minimizing overstock and reducing losses due to spoilage, theft, or mismanagements. User also saves part of salary with his uncle.