I have reasons to believe that some of the banking issues that customers have with commercial banks can be avoided, but because these banks need people to keep coming to their offices and their customer care active, they permit it.

People who have been using fintechs like OPay, PalmPay, and the rest generally experience fewer challenges. There has never been a need for most of them to seek the physical offices of these banks.

Now ask yourself, if fintechs can work, why are the traditional banks not working?