I would say adopting Bitcoin isn’t directly proportional to the behavior of our banks. People with real knowledge of Bitcoin will still use it anyway.
I think the biggest winners in the laxity of our commercial banks have to be Fintechs. Fintech has invested so much in Tech that Opay will even warn you of banks having network issues before making transfers and they make these things look so easy.

Speaking sometime ago with a banker friend, I understood that these banks initially didn't appreciate their tech guys. They used them to the brim and tried to pay them peanuts as per the normal Nigerian settings and now massive resignations hit them every month.

Those that aren't moving to Fintechs are on the japa route or are landing comfortable jobs with overseas companies that still pay them better while they work from home, as tech is in full demand across almost every field now.
They’re beginning to make adjustments now.