Poor network reception is contributory to failed transactions.

[Mr.right85]

I don't know if am the only one who has had problems recently when trying to complete transactions using mobile apps or USSD codes.
Things weren't like this till the new monetary policies and the just concluded presidential  elections came. Am not attributing the poor network reception as the main factor for failed transactions, but it is contributory to why there is consistent failed transactions.

*Could there be any other better explanation to why even online transactions and the recent online apps for swift money transfer and other transactions, OPAY, PALMPAY are experiencing same network issue, although it is not as severe as that affecting bank apps and their USSD codes?

U knw jst b4 nw, does palmpay, Opay, moniepoint nd d rest of dem bin dey do well. D issue bin dey reserved 2 bank apps bt of recent, dis guys don ce aboard d network wahala. E heat me 2day nd I do lik 2 different same transaction b4 e go tru. I evn try buy light days bck, e no gree generate my reg name 2 proceed wth d process.

D closest explanation I ft giv b4, d workload way con mount on these apps don pass there carrying capacity way dem bin dey built on. E no strange say, many dey fine way out 2 escape dis scarcity of fiat notes matter nd as such, na 2 pay wth ATM card or transfer wen we gt d chance nd dat dey work d system more. Come fiat notes, we go get som stability.

[CryptoHeadlineNews]

U knw jst b4 nw, does palmpay, Opay, moniepoint nd d rest of dem bin dey do well. D issue bin dey reserved 2 bank apps bt of recent, dis guys don ce aboard d network wahala. E heat me 2day nd I do lik 2 different same transaction b4 e go tru. I evn try buy light days bck, e no gree generate my reg name 2 proceed wth d process.

The Opay issue don happen to me like 5 times this week, because due to the no cash policy, na this Opay wey been dey help me most of the times when bank app dey misbehave. And it can only take a seller who knows you to let you go after you transfer and after an house he/she never see alert due to the poor network. Because same thing happened to me on Sunday evening, as I entered market to go buy Garri, made a transfer of #2k to my seller, showed her the receipt on my Opay app, only for her to call me the yesterday (Monday) morning say she never still see alerts oh, but only for the alert to arrive an hour later and she called to inform me. Because in most case people for don think say you don scam them, which is very bad,  and at such, and I go really like am if everything goes back to normal

[Rruchi man]

Banks dey really fuck up these days, you will be debited and the supposed receiver nor go see the money still dem nor go return am. Ii I begin to count the transactions that I have been debited and the receiver never still see am till date, you will ask me why I have not been to the bank or reported the case to their customer care via the phone, but I have and still nothing.

In total now, it is 25,000 to one access bank account
4,100 to another access bank account
3,500 to one fidelity bank account and
2,500 to one Unity bank.

Bank nor be small challenges these days, to even enter the bank to lay complaint so they can handle it immediately, it has become a problem.

*Could there be any other better explanation to why even online transactions and the recent online apps for swift money transfer and other transactions, OPAY, PALMPAY are experiencing same network issue, although it is not as severe as that affecting bank apps and their USSD codes?

As everybody dun dey move go OPAY, PALMPAY, KUDA, CARBON and all the others, their network go soon dey choke too as we dey experience small small, my hope na say make crowd nor go crash their server.

[RockBell]

The issue with commercial banks' networks is just annoying, and no one really knows why it started when the new currency policy went into effect. Doh, there was an increase in transactions and customers, and opay is currently experiencing the same issue with failed transactions even with their lightning network. It's also annoying that they have really poor customer care when you want to file a complaint. Commercial banks should really work on this.

[Silver005]

My dear,we don tire for this country oooh, nothing is working in this country currently everything was scattered, the worst one na wen you suffer stand for queue in the bank,when e reach your turn you enter inside after you complain them go tell you say network no dey,you fit don spend the whole day standing oooh, what a country is this for Christ sake, government no they standard,court go talk another man go disobey,na die we dey ooh..

[Marykeller]

The truth be say this banks don't value customer review as they have no effect in the Nigerian market, if na outside make dem mumu this thing and dem go see how their stock go just fall and wipe them out of business.

Not only that banks don't value their customers. The truth of the matter be sae banks no d kukuma pay the IT guys well wey d deliver bank transaction. The amount wey bank d pay them no d make sense. No why you see most of the IT guys d travel leave the bank job to a more better place wey d go value and pay them well. You supposed ask why em be sae peso no fit experience this kind outside country cos for there IT's guys are paid heavily. Them no suppose to F-up for a day.

The worst of everything wey the happen for this our country be sae, house of senate and representative no d like raise this kind pressing issues wey Nigerians d experience. Na why you go see banks, Dstv, network(Mtn, glo, airtel) and other big companies d treat Nigerians as d like without fear of our governments questioning them heavily.

[Davidvictorson]

-This increase in demands from Nigerians for the digital wallet which has become the best alternative to a commercial bank, has forced many of them to experience overcrowded network congestion since everyone now relies on their networks to carry out transactions without facing any issues.

Nigerian commercial banks were not ready for the immediately and forced policy of the Central Bank of Nigeria that brought increase in the number of customers who used their mobile banking network. They failed to upgrade their system and technology to the latest, so when there were too many transactions happening at once, the system become overloaded and that is when we experience all sorts of issues from a slow network, to failed transactions with debits. Another reason for this is that, we have experienced the spirit of Japa among the tech bros because these banks pay peanuts for a job. When they resign, these banks may go and hire inexperienced guys for a little pay. And the results is what we are seeing. We shouldn't be carried away with the transaction speed of OPAY, PALMPAY, MONIEPOINT, at the moment. If they remain consistent in the quality of their service delivery in the next two years, then we will commend them. But for now, they may just turn out to be another Zenith bank in metamorphosis.