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@MrOlibaba

Analyst💯| Building @Lenflex | Building @Waploan | Arsenal |

Lagos, Nigeria Katılım Eylül 2022
916 Takip Edilen1.3K Takipçiler
UNCLE
UNCLE@MrOlibaba·
@powerfulbadeeu Baba, shey night never come for P-land for you to sleep? Allow us take our L in peace.
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UNCLE@MrOlibaba·
@jpattueyi If you're going to post a content that's not yours, giving credit to the author wouldn't cause any disservice. I mean he would still get the engagement and impressions that come with it.
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JP Attueyi
JP Attueyi@jpattueyi·
You copied that tweet Doc. When caught in a hole stop digging. Apologize and move on. All this long grammar is unnecessary. Just say you are sorry, you won't die.
Dr Farouk@Dr_Pharouk

I just got a call while attending to a patient in church about a fellow dentist accusing me of stealing her tweets. It’s quite surprising because this same person doesn’t even follow me here on X, yet she sends me DMs asking me to engage her posts. The first time you reached out about growing your page, my advice was simple: stay consistent and keep posting, because that’s what I’ve been doing here for years and I drop tweets because I have passion for what I do. Now, the same person I advised is calling me out publicly. Let’s be realistic for a moment. I’m not the only dentist in Nigeria that’s talks about oral health, and I’m definitely not the only one who says “brush your teeth twice daily.” If another dentist says the same thing, does that mean I should come online and accuse them of stealing my content? Of course not. The same applies to conversations around dental floss or any other oral health advice. These are general principles in dentistry, not personal inventions. I can post something now and tomorrow another dentist posts the same thing on their platform and might even decide to rearrange it. It’s a basic thing we know already, so why would I come online to accuse the person of stealing my tweet? For the record, I didn’t see your DM. If you genuinely feel I copied your tweet, that’s your opinion. For the record, I didn’t see your DM. If you genuinely feel I copied your tweet, that’s your opinion. But if this is about getting reactions and traction, then I understand why this approach was taken. You’ve sent me your tweets before, yet you don’t follow me. It’s a bit ironic to expect engagement under those circumstances. My honest advice: this isn’t the best way to grow your platform. Yes, X can be tox!~c, but you don’t have to contribute to that t0~x!~city. People who know me know that I support others. I may not spoon-feed, but I will always put people on and support them without expecting anything in return. I’ve always had a feeling that a moment like this might come, which is why I chose not to give you the kind of audience you were looking for. That said, I have absolutely nothing against you, even now. Let’s also be honest, if I wasn’t a bigger account, this probably wouldn’t be happening. You know that mentioning my name brings attention. Congratulations, you’ve got the attention you wanted. 👏 👏 Proud of you 👍🏽 In all, everyone should ensure they brush their teeth twice daily with a toothpaste that contains fluoride.

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UNCLE
UNCLE@MrOlibaba·
@SirJarus This hurts honestly... Unfortunately we're never good at winning finals. Hopefully we'll savage the situation by winning the EPL.
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Sir J (J9)
Sir J (J9)@SirJarus·
My boys here are crying. "They have beaten us" Time to save these boys from Arsenal torture. Arsenal is not a club to invest emotions on o. Some of us have been used to Arsenal nonsense for over 20 years.
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UNCLE
UNCLE@MrOlibaba·
Unity Bank will never stop to amaze me. A relationship manager during an interview gave you a commitment of 1b deposit mobilization within six months. You're telling the candidate to mobilize 400M first before offer letter. If not for government backup eh, a bank like Unity Bank should still not be in existence.
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UNCLE
UNCLE@MrOlibaba·
@jpattueyi It's just a little differential to be honest.
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JP Attueyi
JP Attueyi@jpattueyi·
@MrOlibaba Business owner here. I mind about the rate. Some rates are not worth taking.
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UNCLE
UNCLE@MrOlibaba·
@jpattueyi Fintechs have higher rates compared with commercial banks, but business owners don't mind provided they get funds when it is needed for business transactions.
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UNCLE
UNCLE@MrOlibaba·
Fintechs and MFBs have already taken over SME financing from commercial banks. You will rarely see an MSME and SME that urgently need working capital to expand tell you that a bank availed them a facility. It will be always be, Sycamore gave me an offer of 10M, Renmoney said they will give me 20M, Oxygen X gave me an offer of 15M. These Fintechs will avail you these credits within 2-3 days of application with no paper work. Let me not even start with the process of Commercial banks 🤔
Temitope@TOPENREWAJU

@MrOlibaba the next shock is the complete take over of the MSMEs credit sector by MFBs, fintechs & digital platforms. I foresee this in next 5years. With Ai enabled credit appraisal system because fintech have the data, the battle is shifting to MSME loans.

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UNCLE
UNCLE@MrOlibaba·
@alivefortunes1 Unrealistic targets. Where will they see 30 persons to open account for on daily basis. Isn't that too much.
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Alivefortunes Ventures King
Alivefortunes Ventures King@alivefortunes1·
@MrOlibaba One lady from my church just resigned two weeks ago from her marketing job with a bank. The stress and Waka Wan finish her
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UNCLE
UNCLE@MrOlibaba·
Banks are losing money. Commercial banks are losing the retail market to fintechs and they're struggling to catch up. I mean it, if you know anyone working in a commercial bank as a marketer under retail they will tell you the pressure they're facing from management on account opening. Some have crazy targets of 30 daily account opening. The mass market have adopted Fintechs and this have deplicted the banks customer acquisition and liabilities. Fintechs are doing what banks failed to adopt. Nigerians have moved. With fintech app you can pay bills and get small cashbacks. Banks don’t offer that. You save money and see your interest upfront. No stories. You can open a Tier 3 account on your phone. No paperwork, no back and forth for KYC, no unnecessary limits. You can hold savings in dollars, euros, pounds. Your phone number can serve as your account number. You can access loans directly on the app without stress. Commercial banks have lost the retail market to Financial institutions.
Mek$@MekaOjukwu

When you find out how much commercial banks are making from your savings

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UNCLE
UNCLE@MrOlibaba·
The big Fintechs are strategically setting up regional offices, gradually they will have a full scale license. Fairmoney just recently hired Gbenga Shobo as their board chairman. Do you know who Gbenga is? A former retail and digital head at First Bank with over 30years experience. These are not small moves.
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Omonefe Ogboru 🇳🇬🌍💻
@XiiithJeph @_astalavi_ @MrOlibaba Maybe you are not following the global trend of fintechs like Revolut, Nubank, Wise Moniepoint, Opay, Kuda Bank just got National licenses (like I said) ... next step would be commercial bank licenses like I clearly implied This is needless explanation Thanks for your lecture
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UNCLE
UNCLE@MrOlibaba·
@PhilzSpeaks But regulation doesn't stop an institution from innovating. Infact it should give you the leverage to scale what you have. But our commercial banks says "NO", they just like stress.
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Philz
Philz@PhilzSpeaks·
@MrOlibaba I quite agree, but it isn’t absolute. we’re quickly forgetting that Fintechs are not as heavily regulated like the commercial banks. Those conversations are only coming up now.
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UNCLE
UNCLE@MrOlibaba·
@AObilana Very true 🤣 And it's not like you're old old oh.
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Akin Obilana, ICAN Online Tutor
In Nigeria, ageism is real. If you are ever classified as old. Just know that you are now on your own.
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UNCLE
UNCLE@MrOlibaba·
@ToksOdunsi It is not on profit. This is about retail market adoption.
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Emmanuel Odunsi
Emmanuel Odunsi@ToksOdunsi·
@MrOlibaba Have you checked Zenith and GTB annually profits? Not FINTECH can match them.
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UNCLE
UNCLE@MrOlibaba·
I have a friend who works in a top Fintech company, he's the company's credit manager. This guy has all the FCA and ACA etc. We spoke yesterday, he's really into getting a Masters. Masters can be a "jara" if you're in finance but it makes things complete.
DEDE!@minutesimal_

@MrOlibaba In finance, master is like jara

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parcel master
parcel master@TonyMichae81787·
@Agentonyeka4 @MrOlibaba During cashless policy, my friend introduced me to palmpay. From that day, I forgot I have access bank
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King Simba 👑🦁
King Simba 👑🦁@Don_TEE·
@MrOlibaba This is like NNPC vs Dangote These banks had decades of headstart to be innovative and focus on making things easier & better for their customers, but all they kept doing was rubbish but they were still cashing out Fintechs didn't do anything crazy TBH, but customers felt heard
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