Nafiu Muhammad@nafiumohammad
Someone mistakenly sent a sum of "Two Million, two hundred and sixty thousand Naira only" (2,260,000) to my Opay yesterday, I was pressing my phone when I saw the notification on my Opay, I had to look again to be so sure. Yes, Indeed it's the sum of that amount. I kept pressing my phone knowing fully the owner would account to why he sent it... Then immediately my phone rang, I picked, it was a deep confusing voice, whom at the very best shall start with Salam, but I knew why he didn't. He was confused and stammering, I smiled and asked him to calmly say why he called. And so he began.
"Dan Allah ka taimakeni, nayi mistake ne na turo ma kudi" nace mai har nawa? Ya ce "Miliyan biyu da dubu dari biyu da sittin". Nace "Aiko ban gansu ba, ka tabbatar da nan ka turo su?" Yai wani dogon salati😅😅. I had to burst into a loud laugher and asked him to calm down, that I saw the cash and I'm sending it to him on the same number he sent it. He obliged while deeply thanking me. I did as promised, saved his number and shared him the receipt. Immediately, I received yet another notification of 50k from same number and I sent it back without further meditation, knowing fully it's a token of appreciation. I sent it not because I'm sufficient of the amount, no, the amount is a big percentage of my monthly salary but because I believe I don't have to be paid for being kind, and of course for doing what I must do. He called and was appreciating me like I liberate him from going to hell.
I thought, even if it's a business dealings, I'm certain the business profit would not be upto that 50k, or maybe it's a part saving from his savings, then why do I think I worth that huge amount for just being generous to what if I didn't he might still get back his money through legal proceedings. But alas! It happened and for good, we now became friends who Maybe would be of a greater benefit to eachother. But then a thought strikes me, why would one be using "Fintech accounts" to execute such a massive transaction? What if the Opay I'm using is a Tier that can't accommodate such amount and it immediately went on "Post No Debit" PND that I had to provide things to make an upgrade, or I bought a registered SIM card and was using it, what if I went to a POS guys far from my reach, transfer the money and crack the simcard, would I be traced and be arraigned?
Yes using "Fintech accounts" is secured, most of which were licensed and insured by both CBN and NDIC, but again, quick resolution is the my main concern here, how much time would it takes you to secure a court order for the immediately release of such mistakenly sent funds, not that alone, how many of the people using those accounts can formulate a very straight to the point mails to the appropriate units and department for reversal.? Many people have to forsaken their lost, mistaken or wrongly transferred funds due to lack of knowledge of how to retract their cash. No matter how dull one is, commercial Banks would have you covered, wherever you're and whatever language you speak, there's always someone at the front desk of conventional banks that would see to your complains and Resolution is quick. Most bank's "Service Level Agreement" SLA is 48hrs max and they'd avail you with the next step forward to better resolution. And for business owners, though, in the North, it's still Taboo collecting loans from Banks. But with those Conventional banks you have access to loans and business development consultancy... You can do better... Aliyu Tunde Muhammad Elyakub
