Cutthroat competition, business tussle and victimization of Nigerians by Access Bank and MoMo Agent (I)
Kabiru Haruna Isa
I have been a loyal customer of Diamond/Access Bank Plc., and I can say without any fear of contradiction that I opened my first bank account with them. I have been banking with them for almost one and a half decades. In fact, I have been serving as a volunteer marketer to the Bank as I convinced many people, including colleagues, friends and family members, to open accounts with it ostensibly because of the hitherto quality services it delivered.
With the implementation of the cashless policy, millions of Nigerians, including myself, are forced to rely on and use alternative payment platforms such as MoniePoint, Opay, Squad and Momo Agent, to mention just a few. The services of these payment platforms are a double-edged sword which eases transactions and creates ceaseless suffering simultaneously for the poor and downtrodden Nigerians. They are also used, in some instances, especially by the agents who render services at the Point of Sale (POS), to extort powerless, hapless and helpless customers. From the time this cashless policy was introduced, millions of Nigerians were robbed of their hard-earned money by some financial service providers, and unfortunately, nobody seems to care to fight for the financial rights of these innocent victims.
And so it happened to me on the 10th day of March 2023. I stopped over at Gidan Maza Quarters, Kumbotso LGA, Kano, to make a transfer at one of the POS kiosks around. The POS agent used the MoMo Agent terminal to transfer some amount to my Access Bank account. And based on the receipt given to me, the transaction went successfully. I waited for the whole day, but my account was not credited. To cut a long story short, today 31st day of March, is exactly three weeks, but my money is still hanging at only God knows where.
I complained continuously to the MoMo agent who operates the POS kiosk, but he informed me that there was virtually nothing he could do to facilitate the unconditional release of my money. As a last option, he took me to the Office of MoMo Agent to lodge my complaint directly to the service providers. What I found shocking and troubling during my interaction with the officials was that MoMo Agent used to partner with Access Bank to provide financial services to their customers, but the relations of the duo got strained due to allegedly petty jealousy, business rivalry and unhealthy competition.
The pertinent question here is why should the business tussle between MoMo Agent and Access Bank rob Nigerians of their hard-earned money. Why these financial service providers should be allowed to inflict systematic and psychological torture on their innocent customers? What are the Central Bank of Nigeria (CBN), the NDIC and other Financial Regulators doing? The Government should know that many Nigerians are going to bed with empty stomachs because of the rivalry and skirmishes between these financial service providers. The worst part of it is that when customers go to the branches of the bank to complain, they are subjected to long and interminable waits, after which the customer care unit will only succeed in rubbing salt into the wounds. They treat customers with disdain and make sure that they maximally frustrate and confound their misery.
I finally call upon the CBN to inquire, investigate and take necessary action(s) on the ongoing tussle between MoMo Agent and Access Bank so as to end the suffering of Nigerians. The apex bank should equally penalize any of these financial service providers that are guilty of illegally withholding customers’ money.
A lesson is enough for the wise. With the kind of trouble, trauma and travail I underwent following up on this issue throughout these past three weeks, I will flee from any POS kiosk that I see using the MoMo Agent terminal, more so when it is from my Diamond/Access Bank account that I want to transact from. As a matter of fact, I am contemplating closing my Diamond/Access Bank account unless everything is rectified. This is due to the genuine fear I have that whatever happens once can and will indeed happen again.
Dr Kabiru writes from the Department of History, Bayero University, Kano. He can be reached via khisa.his@buk.edu.ng.
This is the time for women to be financially independent
By Aisha Mahmud Yusuf
A few days ago, Dr Muhsin Ibrahim shared a story about a divorcee whose ex-husband refused to pay her medical bills. This is a familiar story as it happens to many people in our society.
I know of a divorced woman with three kids who has nowhere to go. Another woman was in an abusive marriage. When asked why she wouldn’t leave her husband, she said that he took care of her financial needs.
There’s also this woman whose husband was a serial womaniser and a drunkard, yet she couldn’t leave him because she has no means to sustain herself as her parents are dead.
In this society, a woman will be married off with no skill or education. Then get divorced and be left to start from scratch, thanks to the stigma attached to divorcees. No woman should be in an abusive marriage or miserable because she lacks financial independence.
Parents should let their girls finish at least secondary school and ensure they learn a skill. Those who finished higher institutions should be allowed to work or engage in business. The time to stay idle for women has passed. We should not let this poverty and misery cycle continue.
A woman should be financially independent regardless of her marital status. In case of divorce or the husband’s death, she should be able to care for herself and her children at least.
There’s no denying that our marriage institution needs reform, and the time to do so is now. Alhamdulillah, our scholars are now discussing it, but we need action. There is a need for sensitisation across rural as well as urban communities.
Girl-child education should be supported. There are many opportunities for learning that women can learn in the comfort of their homes, and they should be encouraged to do so.
Aisha Mahmud Yusuf wrote via aishatyusuf63@gmail.com.
Kano police apprehend 14 suspected criminals
By Muhammadu Sabiu
The Kano State Police Command reported that its agents had detained 14 suspected criminals as part of their attempts to purge the state of any criminal activity.
This was stated in a statement released on Thursday via SP Abdullahi Haruna Kiyawa’s Facebook page, the command’s public relations officer.
The arrests, according to the statement, took place during clearance operations carried out by a team of Operation Restore Peace under the direction of CSP Bashir Musa Gwadabe.
The accused were found to be in possession of lethal weapons, illegal substances, stolen, and looted valuables.
The police spokesman added, “Rigorous patrol and raids of criminals’ hideouts and black spots will continue throughout the state, as the Command will sustain the tempo in ensuring the safety of lives and properties.”
Uba Sani, Kaduna legislators receive Certificates of Return
By Sumayyah Auwal Ishaq
The Governor-elect, Kaduna State, Distinguished Senator Uba Sani, and his deputy, Dr Hadiza Sabuwa Balarabe, were issued Certificates of Return by the Independent National Electoral Commission (INEC) on Friday.
This came after their victory at the March 18 governorship election in the state. Accordingly, the issuance of the certificate of return included lawmakers-elect to the Kaduna State House of Assembly.
Senator Sani, who won the election on the All Progressives Congress (APC) platform, garnered 730,000 votes to defeat his closest rival, Peoples Democratic Party’s (PDP), Isah Ashiru, who polled 719,196 votes.
Abba Kabir and the challenges of education reform in Kano
By Bashir Abdu Muzakkari, Ph.D.
Education is a fundamental right of every individual, and it is crucial to achieving personal and national development. The availability of quality education is a critical factor in reducing poverty, improving health, economic prosperity, and fostering social equality. However, access to quality education remains a challenge in many countries, particularly in developing nations. To address this challenge, governments and stakeholders must take deliberate steps to ensure that education is accessible to all.
The Kano State Governor-elect, Engr. Abba Kabir Yusuf (Abba Gida-Gida), has a keen interest in the provision of quality education in Kano. In his plan to ensure that education is accessible to all, he has outlined several critical policies that will improve access to quality education which include: free education, establishment of additional schools, providing modern furniture, teacher recruitment, school feeding and uniforms, initiation of Mega Schools Policy, and the girl-child education initiative among others.
These critical policies are part of Abba’s Blueprint titled “Our Commitment for Kano: 2023 and Beyond”, and how they can improve access to quality education in Kano state.
To begin with free education: this is a crucial though critical policy in ensuring that education is accessible to all. Abba has proposed the provision of free education for all children in Kano state. This will eliminate the barriers that prevent children from accessing education, particularly those from impoverished backgrounds. Free education will ensure that all children, regardless of their socioeconomic status, can access quality education. The idea is to reduce the number of children – including beggars roaming our streets.
Similarly, establishment of additional schools in under-served areas will help to increase access to education. Abba has proposed the establishment of additional schools in rural areas and areas with a high number of out-of-school children. This will ensure that children in these areas have access to quality education at their doorstep.
In addition, the provision of modern school furniture is essential in ensuring that children can learn in a comfortable environment. His Excellency has proposed the idea “One-Child-One-Chair” to ensure that children can learn in a comfortable environment. This will help to improve schools’ attending and allows teachers to cater for the basic and individual needs of the pupils in their classes.
Moreover, to actualize the above policies, teacher recruitment is necessary. Abba Kabir has proposed the recruitment of qualified teachers to meet the demand for the 21st century learning system. Additionally, teacher training and retraining programmes had been developed to ensure that teachers have the necessary skills and sound knowledge to meet the demands of the standard global system.
Furthermore, school feeding and uniforms are essentials in promoting free education policy. Abba Kabir Yusuf has supported the continuation of school feeding program and distributing free uniforms to improve attendance and ensure that pupils learn with ease. This will help to reduce the burden on families and ensure that children have access to basic needs such as food and clothing.
Not only that, Abba Kabir Yusuf has proposed the initiation of Mega Schools Policy to address the challenges of inadequate resources and infrastructure in many schools. Mega schools are large schools that can accommodate a high number of students and provide all the necessary facilities, including classrooms, libraries, laboratories, and sports facilities. This policy helps to free the existing schools from over-crowded classes and improve free access to education in all parts of Kano State.
Finally, Abba has proposed the promotion of girl-child education initiatives to ensure that girls have equal access to education. This initiative is crucial in addressing the challenges of gender inequality in education, hawking as well as addressing the barriers that prevent girls from accessing education.
Abba’s plan to improve access to quality education in Kano state is comprehensive and addresses critical areas that need attention. By implementing these measures, it is certain people of Kano will have access to free quality education, regardless of their socioeconomic status or gender.
Bashir Abdu Muzakkari, Ph.D. writes from Kano and is a Senior Lecturer at Yusuf Maitama University, Kano.
Stop construction in public places – Kano Gov-elect warns residents
By Uzair Adam Imam
The Kano State Governor-elect, His Excellency, Engr. Abba Kabir Yusuf, has warned residents to stop any ongoing building in public places in the state.
The Govenor-elect also strongly cautioned that anyone who contravenes this warning is doing it at his or her own risk.
He made this warning in a statement Thursday by his Chief Press Secretary, Sanusi Bature Dawakin-Tofa.
There have been popular outrages by the citizens in the state over the selling of some parts of schools and hospitals by Govenor Abdullahi Umar Ganduje.
The statement read, “You are advised to discontinue any construction work on public land within and around the following: All schools in the State, all religious and cultural sites in the State, all hospitals in the State, all graveyards in the State, and along the city walls of Kano.
“You are also advised to discontinue the demolition of, and the construction on, all existing public buildings belonging to the government and people of Kano State.
This Advisory is issued in the public interest, effective from today Thursday 30th March, 2023 till further notice. Any contravener does so at his/her on risk, please,” the statement concluded.
Just In: Kano governor-elect. H.E. Abba Gida Gida appoints Chief Press Secretary
By Muktar Ibrahim
The Kano State Governor-elect H.E. Engr. Abba Kabir Yusuf has announced Sunusi Bature Dawakin Tofa as his Chief Press Secretary for the transition period.
In a letter signed by the Chairman of the Gubernatorial Transition Committee on behalf of the Governor-Elect, His Excellency described Mr. Bature’s appointment as well deserved as it was based on his competence, loyalty, commitment and hard work which he exhibited since 2019.
Sunusi is a seasoned PR guru, development communication and stakeholder engagement expert with 19 years working experience in both international development, private sector and the Media in Nigeria.
He is a winner of the Cambridge education award on investigative journalism in 2008, Bature has worked at different capacities in various national, International and Bilateral organizations such as the British Foreign and CommonWealth Development Office (FCDO), the United State Agency for Internal Development (USAID), Bill and Melinda Gates Foundation, Save the Children International, Discovery Learning Alliance and the Rockefeller Foundation.
He held several positions which include General Manager Corporate Services at Dantata Foods and Allied Products Limited (DFAP), Director Stakeholder Engagement at YieldWise Project, Country Program Manager at Girl Rising (ENGAGE) Project funded by the US Government, State Project Coordinator for MNCH Campaign Project of the BMGF, Deputy Director Operations at Discovery Learning Alliance, State Program Officer, Policy Advocacy and Media Development, Communication and Knowledge Management Specialist among other positions.
Graduated with a Bachelor’s degree (B.A. Hons.) in Mass Communication from University of Maiduguri, Sanusi holds a National Diploma in Mass communication from Kaduna Polytechnic, a Higher National Diploma (HND) and a Postgraduate Diploma in Public Health Education and Promotion.
He also bagged MSc. in Social Work with specialization in Community Development from Ladoke Akintola University of Technology, (LAUTECH) Ogbomosho, Oyo State and another master’s degree in Public Relations (MPR) from the prestigious Bayero University, Kano, Nigeria. He participated in MSc program on Project Management at Robert Kennedy College, Zurich, Switzerland.
Until his appointment, Sunusi Bature served as the Vice President, Nigeria operations for a UK based firm, Kingston Organic PLC.
‘Change Begins with Me’: The power of citizen participation in governance
By Aliyu Bugaje
Many of us have been quick to criticise the government for a long time about certain policies and decisions that we feel are not in our best interest. We voice our frustrations to anyone who cares to listen, and often, we do nothing more than that. But what if we could do more? What if we could participate in the governance process and influence key decisions that affect our lives and the lives of those around us? The truth is that change begins with us.
Recently, I was invited to participate in the APC campaign council in the Dikko/Jobe Call Centre Katsina and subsequently in the APC Situation Room. This opportunity allowed me to understand the workings of the party, the workings of the state government, and how elections are won. In addition, I was allowed room to influence key decisions of the party, was trusted with confidential party documents, and sat down with the gubernatorial candidate and other key figures. This experience has forever changed how I view governance and politics in general.
As citizens, we often complain about the government’s inability to deliver on its promises, but what are we doing to ensure those promises are kept? Are we actively participating in the governance process, or are we content with being mere spectators? The truth is, if we want to see real change in our communities, we must be willing to roll up our sleeves and get involved.
Citizen participation is the bedrock of any democratic society. It is the foundation upon which governments are built and the driving force behind meaningful change. Moreover, when citizens participate in the governance process, they bring knowledge, experience, and ideas to help shape policies and decisions in people’s best interests.
Participation can take many forms, from joining political parties and volunteering for political campaigns to attending town hall meetings and engaging with elected officials. It can also mean organising and mobilising communities around critical issues affecting their lives and holding government officials accountable.
One of the benefits of citizen participation is that it can help bridge the gap between the government and the people. When citizens actively participate in the governance process, they become more invested in decisions. As a result, they are more likely to support policies and programs that benefit the community. It also helps to build trust and confidence in the government, which is essential for a functioning democracy.
Another benefit of citizen participation is that it can help to create a culture of transparency and accountability. When citizens are actively engaged in the governance process, they are more likely to demand transparency from their elected officials and hold them accountable for their actions. This can help to prevent corruption and ensure that government resources are being used for the benefit of the people.
The power to bring about meaningful change in our communities lies within us. As citizens, we must be willing to step up and actively participate in the governance process. We must hold our elected officials accountable for their actions, demand transparency and accountability, and work together to build a better future for ourselves and our children. Change begins with us, and it is up to us to make it happen.
Aliyu Bugaje wrote via aliyukb@gmail.com.
An open letter to the President-elect and APC’s National Working Community
By Mu’azu Ibn Abdallah
Firstly, I would like to begin by congratulating you on the success of the APC in the recently concluded national elections in which the party won the presidency and majority of seats in both the upper and lower chambers of the national assembly, and also the majority of the governorships and state assembly seats in the country. This is indeed a remarkable achievement which, if adequately sustained, would continue to position the party as the ruling party in the country and the largest political party in Africa.
It is obvious that Nigerians voted for the party because they believed in the messages of RENEWED HOPE which our party promised them. They hope for a better life and a prosperous future, which we can only deliver as a party if we adhere to the principles of social justice, equity and social inclusion.
As the party is set to make a formal announcement with regards to the zoning of political leadership in the country and with the President-elect and Vice President-elect already coming from the South-West and North-East geopolitical zones, respectively, I am strongly drawing the attention of the members of the National Working Committee (NWC) of the party, President Muhammad Buhari, the President-elect Asiwaju Bola Ahmad Tinubu and all other critical stakeholders in the party to consider, as a matter of necessity and in the best interest of the party and the spirit of equity and social justice, zoning the Presidency of the 10th Senate to the North-West especially taking into consideration of the following reasons.
First, there is a need for the party to demonstrate clearly that it always appreciates and rewards members’ confidence, support and loyalty by zoning the senate presidency to the North-West where it got the highest votes from. This will pave the way for the emergence of a competitive race among the zones as to who will produce the highest votes for the party in the subsequent elections, which will, in turn, leads to more and more votes for the party.
Moreover, this has been the tradition in the political arrangement of Nigeria since the return of democracy in 1999, where the region that gives the ruling party the highest votes is favoured for such a position. For instance, during the era of President Olusegun Obasanjo, PDP zoned the senate presidency to the South-East fact that the zone overwhelmingly voted for the PDP. Also, during the tenures of Late President Yar Adua and President Jonathan Senate Presidency was zoned to North-Central Zone for the same reason. Therefore, in the present circumstance, the North-West zone, due to its significant contribution to the victory of APC in the presidential election (the highest votes of 2.7 million among the geopolitical zones in the country), deserved to be rewarded with the senate presidency, especially, looking at the fact that the zone has never produced a senate president despite its strategic relevance in the Nigerian politics.
Secondly, as the largest political party in Africa, the party is expected to draw lessons and experiences from the just concluded 2023 general elections and embark on early preparations and strategic planning towards the 2027 elections so as to address some of the challenges faced in the recent elections and to make sure that RENEWED HOPE is extended to 2031 and beyond. The party should do everything humanly possible to avoid the costly mistakes of losing Kano, Kaduna and Katsina, which ideally should have cost the party its success (if not for the disorganisation of the opposition and the confidence of the Nigerians in the party’s candidates).
Historically, these three states are strategic in Nigerian politics just like California in American politics, and the time to start planning for the recovery of the 3Ks (and the entire north-west and Nigeria in general) is now, specifically by zoning the senate presidency to the zone and ensuring a competent and high-profile politician with a record of effective political strategy and the confidence of the electorates is elected into the coveted position. This would help APC to address the existential threats posed by Sen Rabi’u Kwankwaso’s NNPP, which caused the APC significant harm in the recent elections.
Thirdly, the Senate presidency is a sine qua non to the success of every democratic administration, a sensitive office that may make or mar the realisation of the APC’s much anticipated RENEWED HOPE, and the party should try as much as possible to avoid the repeat the circumstances similar to what transpired in the build-up to the inauguration of the 8th senate which subsequently led to the emergence of the leadership against the party aspiration (including some positions going to the opposition party). To avoid this, the party should, as a matter of national interest and social justice, zone the presidency to the North-West zone due to the fact that the zone is still the stronghold of the APC (with the highest number of registered voters, the highest number of APC card-carrying members, five state Governors and many members of the National Assembly). Also, the zone is blessed with high-profile politicians who can network and canvass the support of senators-elect from across the geopolitical zones for whoever emerges as the candidate from the zone.
Coincidentally, the North-West zone is blessed with a wide range of high-ranking law-makers with effective legislative and administrative experience to fit into the job and, if elected and can efficiently and excellently provide the president-elect with the requisite collaboration and support required for synergy and complementarity to deliver his mission of RENEWED HOPE to the Nigerians. Top on this list is Senator Barau I. Jibrin CON, representing Kano North Senatorial district, who recently declared his interest in running for the post.
Senator Jibrin, a third-term law-maker who has demonstrated his political capability by winning the Kano North senatorial seat continuously for three consecutive elections, and more importantly, in the most recent election, despite the threats of annihilation faced by APC he was able to strategically endure the NNPP’s onslaught and return his senatorial district to the APC and as well large proportion of votes for the presidential candidates. Senator Jibrin is a politician with solid experience and impeccable pedigree, a track record of success working both as a lawmaker and administrator but one who has never been involved in any scandal or incidents any corrupt practices by any of the federal government anti-corruption bodies.
Finally, there is no doubt in the fact that the success or otherwise of the president-elect’s administration and its ability to deliver the much celebrated RENEWED HOPE depends largely on the type of legislative leadership he will work with, as such, for the success of his administration, the president-elect needs no other person as the president of the senate than Senator Barau Jibrin.
Barau is a soft-spoken, laid-back, highly motivated and experienced legislator who has the respect and cooperation of his colleagues and has been responsible and successful in every position he has held due to his approachability and humbleness. An experienced law-maker who has held the position of the appropriations committees in both the House of Representatives and the Senate and has been successful in discharging his duties and guaranteeing thorough budget oversight. Senator Barau has also served as the vice-chairman of the Senate’s committee on Petroleum Resources (Downstream) and later as chairperson of the same committee. He has previously held various positions, such as the chairman of the Kano state Investment and Properties Ltd, Kano state commissioner of Science and Technology and a member of a committee Budgetary procedure.
Conclusively, the just concluded elections have further indicated that Nigerians have higher hope for a better Nigeria, they have spoken with their votes on the direction they want the country to advance, and the elections have indicated that Nigerians have confidence in APC. And from his acceptance speech when INEC issued him with the certificate of return, the President-Elect has clearly demonstrated his commitment and motivation to embark on the renewal journey which he promised Nigerians during the campaigns. As such, he needs a committed and motivated President of the Senate with whom they can deliver effectively to Nigerians the better life and prosperity promised in the RENEWED HOPE messages. To achieve this, the President-Elect must work with an equally motivated, experienced and committed President of the Senate. Among all those who are capable and eligible to contest for the senate presidency, no candidate befits such an exalted position more than Senator Barau Jibrin.
Muazu ibn Abdallah wrote from the Department of Sociology, Federal University Dutse and can be reached via muazuabdullahi29@gmail.com.
YOSPIS calls on INEC to learn from Kano guber poll’s mistakes
By Ahmad Deedat Zakari
Youth Society for the Prevention of Infectious Diseases and Social Vices (YOSPIS) has called on the Independent National Electoral Commission (INEC) to forestall the recurrence of the mistakes that pervaded the Kano State gubernatorial election.
YOSPIS made the appeal in a press statement signed by its Executive Director, Zainab Nasir Ahmad, on Wednesday.
In the statement, the group outlined their observations of the election and recommended what INEC should do differently in subsequent elections.
Some of the group’s recommendations include reducing the number of party agents at the polling unit, addressing the technical issues of BVAS, and the security of electoral materials, amongst other things.
The group congratulated the Kano governor-elect, Abba Kabir Yusuf and wished him the best in his administration.








