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COVID-19 is expected to have a far-reaching and deep impact on our economy. With only a few establishments unaffected by the COVID-19 crisis, almost all businesses are scrambling to respond to the changing environment. All major sectors like agriculture, manufacturing and services have been adversely affected.
In the wake of the lockdown that followed the threatening sporadic spread, commercial bank customers lament over unsatisfactory digital service varying from the failed transaction, double debit, unsolicited bank charges, ATM irregularity charge amongst others.
Amidst the tension faced by the banks at the first ease of lockdown, when banks were partially allowed to work, Access Bank stood out in terms of effective customer service delivery and operational structure.
Access Bank saw the possibility of a fundamental shift in customer behavior, and predicted a possible decrease in the physical branch visits with an immediate increase in online transactions, peer to peer payments, wallet usages, etc.
Access Bank stepped up her game and converted more of these experiences into positive stories for long-term digital adoption.
A major part of retail banking services including deposits, credits, payments, etc. is part of what governments refer to as ‘essential services’, so banks had to continue these services to minimize the adverse effects on people. However, managing all these at a much-reduced employee count can be challenging. Access Bank tackles these challenges by embracing digital banking.

According to National Association of Independent Online Media Publishers (NAIOMP) findings, the Bank took some proactive Strategies for Digital Marketers in Retail Banks.
Access Bank kept all their digital channels open and proactively update their customers much before they feel the need to reach out for help, especially during the time of crisis. It is commendable that despite the lockdown, Access Bank persist to give out soft loans to their customers.
Access bank also took its management to inform their customers about the safety-related precautions such as:
-Hygiene steps are taken to sanitize the branches, ATMs, currency notes, special training to banking correspondents, etc
-Employee-hygiene measures like daily temperature check, usage of sanitizers and protective equipment
-Steps that need to be taken for customers who have no other option than visiting the branch—appointments, maintaining distances in queues, etc
-Special provisions for the old and vulnerable sections
-Possibilities of COVID-related phishing emails, unauthorized KYC requests, etc.

A visit to 15 branches of Access Bank in Alimosho, Ikeja reveals that safety measures start from the entrance. Some of the branches were open only for ATM withdrawals while some were opened to attend to customers across the counter.
The branches opened for ATM clearly made boxes on the floor of the premise, with about 6 m spaces away from every customer.
Access Bank proactively updates its customers about steps taken at the branch level through digital channels. Emphasis was given to drive more visits to digital channels than branches and ATMs.
Like Access Bank, retail banks being one of the main touchpoints and key essential services for millions of people in Nigeria, need to rise above the crisis. Digital banking serves as the best bet for banks to navigate the crisis. Banks need to be more creative with digital services more than ever. Don’t forget that the world will go back to normal one day. Until then, we need to stay digital and stay safe.
We congratulate Access Bank for their delivery.

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Zenith Bank Refunds N3.23m To Angry Customer Chiamaka Agim



A leading Nigerian commercial bank, Zenith Bank has returned N3.23 million to Chiamaka Agim, a Lagos State resident whose N4.039 million was erroneously deducted on January 9.


According to reports, Zenith Bank had previously informed Agim that she would only receive N800,500 of the N4,039,900 that had been debited.


But on Monday, January 16, in the evening, the bank sent back N3,239,400.


Recently, the Zenith Bank client shared a post about the refund on her Twitter page.



Agim reported that on that Monday, the bank contacted her to provide an update on the refunded money.


“After the event, they had to put my account on pause, so I didn’t get any alerts,” the user said. I was told to visit the bank the next day,” she recalled.


“They had credited my account with N3,239,400 around 7.30 pm on Monday,” the customer said. “My account statement was printed when I got to the bank.”


She claimed to have discovered that Access, one of the two banks to which the funds were transferred, still held the remaining N800,500.


Zenith Bank stated that Access Bank is now withholding the funds and that it is not their fault at this time. They said Access Bank stated that the funds would not be released without a court order.

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Primate Ayodele Begins 17 Days Of Appreciation & Philanthropic Impacts, Visits Sick People



The Leader Of INRI Evangelical Spiritual Church, Primate Elijah Ayodele has kicked-off a 17-day appreciation and philanthropic impact on Sunday, 29th Of January till Tuesday, 14th Of February, 2023.

Many of his church members had a first-hand experience of the prophet’s philanthropic impact yesterday, Sunday, which marked the beginning of the programme. A good number of youths in the church choir were empowered, surgery fee was paid for 25 people, accommodation fee was paid for 20 people and every member of the congregation were given food items.


Today, Monday, which is the second day, Primate Ayodele visited old and sick people in Lagos communities with money, food items, clothing materials, and many more. He also prayed with them and settled some of their needs.


The old people couldn’t hold their joy as they passionately hugged the prophet and showered prayers on him for his rare philanthropic act. The very jovial prophet was also seen cracking jokes and playing with some of them just to lighten up their moods.

Till February 14, Primate Ayodele will be visiting several places, institutions, organizations to show gratitude and impact people with cash gifts, prayers, words of encouragement, food items, to mention but a few.


This is not the first time Primate Ayodele will be engaging in such philanthropic acts; every 14th of February is a day dedicated for his annual thanksgiving and it has been his culture to engage in massive philanthropic acts on days preceding the D-day.


Every February 14 for Primate Ayodele is always the mother of all empowerment. In recent years, the man of God has given out cars, tricycles, thousands of GCE/JAMB forms, scholarships, accommodation fees, school fees, sewing machines, beds, food items, among a host of many others.

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