Test Gadget

The Nigerian Mentality...and Banking

Tuesday, November 24, 2015

Hi Guys!

So, as you might already know, I work in a bank in Lagos, Nigeria. Sometimes, our customers complain about our services or lack of to my face, on social media or to each other and I have the privilege of hearing such conversations. If you're honest and sincere, you'll agree with me that more often than not, when you open your mouth to comment on your bank, you're saying something negative. And it's ok, I respect your feelings. I also know that banks are the easy targets for everybody's frustration in this country. I just would really like to ask a few questions which I hope that you honestly answer in your mind.

- You most likely employ the services of an Internet Solutions Provider in your home or office and you experience the erratic service they are legendary for. Knowing that these ISPs are also what majority of the banks use, why do you expect banks to never experience network downtime? I'm not trying to make excuses for them, but c'mon! Let's be a tad bit realistic okay? I worked with one of these ISPs in Abuja during my service (NYSC) year and we provided Internet services to 90% of the banks in Abuja at the time...I can easily tell you it is not always their fault. 

- As a Nigerian and also a Lagosian, I can also easily tell you the biggest problem we have. All talk, no action. A typical Nigerian will complain and complain all day, but ask him what he has done to solve the problem and the answer is almost always nothing. We like pity parties and we are quick to throw them everywhere and every time, but move to ensure a solution is a problem. Stop complaining about the queues in the banking hall, the complaint boxes seat empty in the banking halls, next time use it! Pick the phones strategically placed in the banking halls and speak with someone or send an email to the complaints team. Stop moaning about the problem, cause a change darling.

- Did you know that when an ATM does not have cash in it, you can walk into the bank and speak with the Head of Operations? He/She will be extremely grateful for this and ensure the ATM is loaded with cash immediately, because sometimes they are genuinely unaware. This will also help reduce queues at the Machine.

- Did you also know 95% of the customers on the queue inside the bank are there to carry out basic transactions like check account balance, withdraw as little as N2,000. Are you aware that you can check your account balance, get your account statement, carry out transfers both foreign and domestic, confirm your cheques, create additional accounts, pretty much do anything on the internet banking platform? 

- Do you know that we have Cash Deposit ATMs in a lot of the branches in Lagos or are you scared to use a machine that "swallows" your money and you cannot see where it goes? LOL. Please use these machines and help us decongest the banking halls. God bless you in advance.

- Are you aware that CBN's aim is to make the Nigerian economy a Cashless one? Stop withdrawing money to buy groceries. Your grocery store has a POS machine, pay for your purchases with your Bank Card. Everybody is online real time now, pay for that asoebi via internet banking. 

- Do you know that you actually don't need to come into the bank, except to pick up your Bank Card, Chequebook or Token?

- Do you know that you have an account officer that manages your account and whose job is to make your banking experience seamless always?  I advise that you go to your bank and get this person's details (email and phone number), some banks allow you access to this information on your internet banking profile (well, my bank does...lol) and life will be so much easier for you.

These are the things I remember. If you have any banking-related questions that you've always wanted to ask, advise or anything you want clarification on, please let me know. 



Rivaj Lip Pencils


I got some Lip Pencils in Dragon Mall on my last trip to Dubai. The first time I visited Dragon Mall was in 2013 on my first trip there, my friend was getting married and wanted affordable hairpieces and earrings for her big day. The mall houses stores that sell mostly chinese items at ridiculously cheap prices. Yeah, I know when you read Chinese you were like, nah mehn...I'll pass. The amazing thing is, this place houses the most amazing deals you'll find in Dubai. I'm not talking cheap designer stuff, nope. I'm talking amazing Jewellery, shoes, makeup and clothes all at great prices.

Bringing me to the reason for this post. I got the Lip Pencils pictured below; the chubby sticks, for 10dhs each (about N570) while the slim ones were 5dhs each (1dhs is currently N57).

L-R: Cola, Maroon, #034, Auburn, #025, (no colour name) and Pink

I love the texture of the pencils....they are very much like the Zaron Lip Pencils, smooth, consistent and not drying at all.

I have never seen them in Nigeria, but if you happen to visit Dubai, you can get them at the Dragon Mall or in the Gold Souk (my sister was there some weeks ago and got some...of course I took one from her :D ).



Blogs I Love - Fashion Bananas

Wednesday, November 18, 2015

Hey Hey!

I read a lot of blogs, some consciously while some I find myself on by trolling. I find that I keep going back to some and they've made it to my "Blogs I Love" list...mostly because they have great content. I won't be doing a "Top Ten Nigerian/International Blogs I read" or anything like that, a lot of bloggers have done that and I find that they have sort of the same names. There's soooo much amazing content out there that isn't being read, maybe because these bloggers haven't mastered the art of photography or don't have the most amazing blog layout. I'll be sharing at least one with you each week and I hope you come to appreciate them as much as I now do.

The blog I'm loving today is Delmy's blog Fashion Bananas and it's only apt that I start with it because it was literally the first fashion blog I started following. When I wanted to start fashion blogging and I had no idea if it was something I really wanted to/could do, I sent her an email with my questions/concerns and she was sweet enough to reply in detail.

In my mind, I'm Delmy's Nigerian sister...lol. I think I feel this way 'cause I've pretty much followed her blog from when she started till she met her Significant Other and had her baby, plus she has shared personal stuff with her readers, so I feel like I know her really well. She isn't much of a talker on her blog but I love her style...it's so chic and chill, and her personality too. And she's super super hot too :D


Styling her bump:

Post Baby

Hope you like her blog as much as I do.