According to data from Nigeria Inter-Bank Settlement System (NIBSS), Mobile payments grew astronomically in the year 2020. Asides a 391% increase between May 2019 and April 2020, NIBBSS also recorded that Nigerian merchants and mobile money operators processed over 655 million points of sale (POS) transactions valued at ₦4.7 trillion ($13 billion) in 2020. This presents a 50% increase from the previous year, 2019. Similarly, Statista reports that as of December 2020, about 10 percent of digital payments in Nigeria were transacted through e-wallets. This monumental surge represents a huge win for digital payments adoption in Nigeria.

This kind of numbers in a predominantly cash-based economy calls for scaling opportunities, Financial Institutions towing the digital payments route ought to capitalize on these insights to explore and push for more digital payments options for their customers.

The adoption amongst customers is growing and, in an economy dominated by a youthful population, increasing smartphone penetration, and a focused regulatory drive to increase financial inclusion and cashless payments, the perfect recipe for a thriving digital payments sector is near ripe for harvest.


It cannot be denied that COVID-19 presented the greatest challenge for cash transactions. The industry has never seen such a drastic change in payment options with the replacement of cash payments with digital alternatives. Mobile and contactless payments were the protagonists of 2020, offering solutions that go beyond the hygiene issue linked to the use of cash. The adoption of new means of payment allowed people and businesses around the world to access the digital economy. But Nigeria is only at the beginning of what will be the reinvention of payment experiences.

As a Business, Digitizing payments has never made more sense than now. Besides its numerous advantages, it also means less hands-on tracking and management of ledgers. Payments are received instantaneously and processed via a PSP, then automatically recorded, this means you can focus on growing your business, rather than maintaining the details. There is also increased security in processing payments via digital methods, eliminating the risk of checks lost in the mail, or issues when cashing them.

Looking forward to 2021, we see a rise in payment technologies that will make purchasing even easier on customers and merchants alike. Let’s have a look at our predictions for 2021 in payments, and what we expect to see as growing trends coming up this year.

So, what are the new insights we’re getting that advised this article, kindly find below;

Contactless Payments
Multi-Currency Wallets
Diverse Payment offerings/ Collection points from Retailers
The emergence of virtual accounts for wallet transactions

1. Contactless payments

The most intriguing trend for me so far is the concept of contactless payments because this module takes away the cash mentality in its entirety. Yes, Nigerians can be quite a chore to things like this but then again Nigerians are easily excited about a solution they’ve never used but assured works perfect for their daily needs, all you need is one person to pilot.

Nigerians are largely a cash-based society and despite the CBN directive to go cashless since 2014 we’re yet to see the actualization of that. Let me give you this; picture paying for your groceries at the local store or your bus fares by just tapping your card or smartphone. Take a moment, picture that scenario …easy, convenient, contactless!

COVID-19 has been the catalyst for governments, institutions, and individuals around the world to adopt digital payment services and this is becoming particularly visible in transportation, where we are beginning to see that individual ticket sales systems with a fragmented approach are already digitizing elements of the infrastructure and being replaced by end-to-end services.

2020 saw a rise in touchless payments, whether it’s through phones enabled with the technology, or cards that can be tapped on the payment terminal to complete a transaction. This payment type is easy and safe, allowing customers to make purchases with ease. Most new smartphones are enabled with touchless payment technology, and Visa’s Tap&Go is accepted widely. Merchants should invest in terminals that accept touchless payments, allowing their customers to swiftly make their purchases.


The implementation is poised to be massive in emerging markets, where the use of cash is massive. The benefits of paying with a simple touch will go far beyond maintaining social distancing, as we hope to see a greater willingness of citizens to use cashless payment methods.

2. Multi-Currency wallets

The surge in the adoption of mobile payments has led to a consistent increase in e-wallet usage and penetration as well. By now, you may be familiar with e-Wallets – digital wallets that store your credit cards, allowing payments to be made via mobile phone. As these Wallets become more widely used, new features are being added to make this form of digital payment even more convenient for their carriers. One of these features is the ability to handle not only multiple cards, but multiple currencies.

New Tingg
e-Wallets can be used online or in-store with a device enabled for tapping for payment. With multiple currencies in a single wallet, shoppers save the high fees associated with currency exchange when making purchases.

It’s also great for travel, multi-currency wallets eliminate the need to exchange cash and keep it on hand. The balances can be managed online, and many of these wallets allow for currency exchange from within the app itself. Merchants using a multi-currency eWallet can receive cross-border payments with ease from their customers, in the currency they prefer. All with the safety and security features of a digital device. This is already in place but its adoption is still low, I see a surge in the multi-currency wallet system in 2021 and beyond barring government regulations.

3. Diverse Payment offerings/ Collection points from Retailers/Merchants

Merchants (i.e Vendors, retailers) reacted to the pandemic to the pandemic by moving to e-commerce, leveraging on internet banking to receive payments but the work is just beginning. Diversification of payment methods and /or collection points will be the crucial step to take in 2021. As consumers continue to embrace e-commerce, regularly interacting with merchants they have not bought from before, we will see a growing demand for new digital payment methods capable of meeting customers’ safety and security concerns. The ability to pay on delivery, ‘tokenization’, biometric cards, p2p payments, along with a variety of more traditional card payment options, will help create a landscape where the consumer can make decisions based on convenience, personal preferences, and knowing that they are protected against financial fraud.


4. Emergence of virtual accounts for wallet transactions

Like VR games, you’re immersed in a virtual environment where you can perform certain tasks, but you’re not there in reality.

Virtual Accounts are a series of dummy accounts used to make and receive payments on behalf of a real account. Essentially, virtual accounts are a digital representation of your regular bank accounts such that account holders/customers can have stored value without the hustle and bustle of registering a traditional account; these also extend to virtual cards (and virtual wallets) which is a very convenient alternative to the use of cash and cheques. It gives card users direct access to funds in your operative or wallet accounts.


These accounts can be used for making collections and payments online, businesses also use virtual accounts to manage cash flow. The virtual account numbers can be used by companies and businesses to reroute outgoing and incoming payments through the original account number, track expenses per each number, create a loyalty and reward system for employees, etc

When done right, virtual bank accounts also ease regulatory stress on digital banks because the virtual account provider will typically provide all compliance needs on their behalf by underwriting them — so even non-regulated companies can offer these virtual accounts with the right partner.

Individuals can retain these accounts and use them to pay for goods and services, subscriptions, and general daily expenses – without owning a traditional bank account. That’s the catch.

COVID-19 may have prompted the early adoption of digital payments techniques that generate alternatives to the use of cash but 2021 is the year for consolidation as a real alternative in the day-to-day financial activities of the Nigerian.

Lotto in Nigeria is synonymous with an easy way of "cashing out" with your knowledge of what numbers could win. It is a game of opportunity in which players try to match the numbers on their cards with the numbers the Lotto company picks out of a lottery machine or releases via various communication platforms.

Even though the lotto dated back to 1539 with the first lottery practiced by King Francis 1 of France, the Lottery business in Nigeria began in 2001 ( although the Lottery Act of Nigeria was established in 2005).

The industry has been so successful in the past couple of years that several innovative companies have shown great tech initiative tip ensure that the playing processes are as smooth as possible.

This article feature's the top 10 lottery companies in Nigeria based on their relevance in the Lottery Industry. A subsequent prerequisite for this list is the fact that the listed companies have been registered under the body that certifies lottery companies in Nigeria, Nigeria Lottery Regulatory Commission (NLRC).

1. BABA IJEBU: Baba Ijebu which transitioned from a game played only in the kiosk and small centers in 2001 to a game played via mobile phone or computer today has come a long way indeed. Originally known as Premier Lotto, Baba Ijebu was incorporated in and established to carry out the Lotto business in Nigeria. The founder and current Chief Executing Officer of the company is Chief Kessington Adebukunola Adebutu.
Baba Ijebu holds this title due to its long time existence and relevance in today's Lottery industry

2. WINNERS GOLDEN CHANCE: Founded in February 2015, Winners Golden Chance Ventures Limited which is also known as Golden Chance Lotto is a Lottery business organization set up to engage in Lotto services. With over 11,000 Point of Sale (POS) terminals across South Western Nigeria, Winners Golden chance boasts of the highest lottery network reach in southwest Nigeria.
The lottery on Golden Chance Lotto can be played both offline and online.

3. WESTERN LOTTO: When talking about the Lotto company with the buzz both online and offline, we can't but mention Western Lotto. Western Lotto which started in 2017 also offers International games from Europe, the United States and Ghana.
Western Lotto can be played offline and online

4.LOTTO 9ja: Lotto9ja which is sister to Western Lotto began in 2019. Unlike Western Lotto, Lotto9ja is played only online because it targets people who find it hard to play lotto games offline.

5. INTERNATIONAL LOTTERY AND GAMES LIMITED: Founded in 2012, International Lottery and Games Limited operates as a lottery and gambling company. It is also known as Naijalottery and is played only offline.

6. SECURE ELECTRONIC TECHNOLOGY: Incorporated in 2001 with an Exclusive 30-year license granted by the Federal Government to operate the National Lottery in Nigeria. Secure Electronic's core competence can be found in its provision of infrastructure and technical know-how in the Lottery and Gaming, Trivia Promo syndication, central database for data and information processing.

7. FORTUNE GAMES LIMITED: Established in 2010, Fortune games limited (which is also known as Quicklotto) dwells more on its POS terminals and USSD channels than its online platforms.
It offers exciting games that people can play and win and has earned its credibility through transparency and consistency.

8. MYHOURLOTTERY: MyHourlyLottery is an end-to-end bespoke Lottery solutions company where everyone stands a chance to win everyday. With its site's user-friendly interface and quality customer service, the company walks an extra mile to help players stay ahead of their game.
Myhourlottey's mission is to build a world-class lottery business that will empower the common man. It is the lottery company to look out for as they favourably compete with leading brands in the Global Lottery industry.

9.MLOTTO: The Mobile Lottery Nigeria Limited is a lottery brand that offers not only lotto games but also sport betting games. MLotto games can be played Online but has more players offline.

10. GAB LOTTO COMPANY: GAB Lotto company which was incorporated in MAITAMA, Nigeria is a Limited Liability company involved in the Lottery business. You can only okay GAB lotto in kiosks and stores as they are not online.
In conclusion, we can identify that over the years since lottery became legalized in Nigeria, the game has evolved from a gathering of people at small kiosks and centers to a high tech-driven activity where individuals place stakes from the comfort of their homes.
Want to play a Lotto today? Check out one of the listed platforms.

First off, what is KYC? 

KYC simply means Know Your Customer. It is important to note that many people in Nigeria lack formal means of identification. Where they want to obtain such, the procedure to acquire them is quite tiring and expensive, effectively out of their financial means. This makes financial services go beyond the level of the poor. To curb this and aid financial inclusion amongst the underbanked and unbanked, the Federal Government initiated a regulation that requires all financial institutions to obtain adequate information about their customers to enable them to have a robust overview of their activities.

The KYC is a process that all businesses are required to carry out to be able to identify the customers they are doing business with. Some form of KYC is done before businesses enter a business relationship with the customer, and incremental KYC is done during the period of the business exchange.

KYC helps financial institutions to know everyone they are transacting with and also enables us to provide information about these people if required to do so. It also helps prevent businesses (financial and non-financial) from being used by criminal elements for money laundering, fraud, and other corruption-related activities. As a responsible and law-abiding financial institution, Cellulant ensures to have all or some PII of a customer before activation.

What does KYC look like?

Financial institutions are expected to record some Personally Identifiable Information (PII) of their users and examples of PII are verified phone number, full name, gender, date of birth, house address, passport, NIN, etc. the receipt of this data shows that the business has carried out good KYC on their customers. At the very least, businesses should have the following information about their customers:

First name
Last name
Email address
Phone number

How do I Know my KYC

Firstly, there are 3 levels to KYC. Depending on the information a Cellulant wallet customer is able to provide, government regulation requires that all Cellulant wallet accounts (Tingg) should be categorized based on transaction/balance limits below:


How To Increase Your Limits

Due to COVID-19 guidelines, Cellulant does not welcome customers to its office for KYC limit upgrades. However, Upgrading your KYC has been made simple. kindly reach out to your account manager to put you through or send an email to customerservice@cellulant.com.ng


We’re here to help you

If you still have any questions or need help figuring things out, you can check our frequently asked questions on Instagram or reach out to our Customer Experience Team via email Customerservice@cellulant.com.ng


Don’t have a Tingg account Yet?

Click https://cellulant.com.ng/publications/how-to-earn-more-money-as-a-tingg-agent/

It’s no news that the Federal Government has announced closure on all land borders across the Nation. The border closure was in a bid to strengthen the agricultural sector and urge Nigerians to buy local Farm produce and reduce the dependency on foreign products. Nigerians import foreign Agric products in millions of tons daily through its various borders but an estimated 3.4 million metric tons of rice through the seme border, making Nigeria one of the world’s largest importer of rice, a farm product that is locally made in several parts of the country.



The local farm produces rarely makes it to the shelf of major supermarkets, retailers, and markets all over the country, especially the metro cities like Lagos, Abuja and Port Harcourt. The influx of imports has seen many embrace foreign products over locally made farm produce due to long-standing belief of poor production techniques, low quality of products and so on, the average Nigerian will rather buy foreign than patronize the local farmer despite being a cheaper and readily available alternative.



Local rice has not gained much traction in the country as it is seen as a low budget, not good enough option meant for the lowest class of society who can’t afford to buy exported rice. The Federal government has placed an indefinite date to the re-opening of the border, which has seen thousands groan as rice traders and food sellers nationwide call for a better option of managing the situation.



FG’s initiative to close the borders is no news to the trading world as countries like China, the USA, and others have made similar decisions in years past to boost local revenue and grow the economy. Such a decision has been beneficial to the countries listed, why not Nigeria?



While the timing of the ban seems wrong to some, others feel that there is no better time to enact such a policy than before the yuletide season. Christmas is fast approaching and millions of tons of rice are consumed in this period, generally, rice is the meal for festivities. Weddings, birthdays, house warmings, workshops, conferences, seminars, and all sorts of anniversaries just name it, event hosts will rather serve rice to its well-wishers and participants over local delicacies. Rice is widely accepted and is said to be the second most consumed food in the country after bread.



FG’s decision to limit the flow of foreign rice in the country has however handed the bargaining power into the arms of rice merchants. These local farmers and traders now have the autonomy to decide how much they want to sell their products. Traders with foreign rice in their barns will sell at an astronomical rate, while local rice prices are said to be shooting up as the weeks go by. Although this price hike is synonymous with festive periods in
The average Nigerian may have to pay over his head/earning to get rice, the price hike in foreign rice may lead to low consumption of the product as many are forced to look into alternatives and buy local. Local rice sells at N19,000-N25,000 per 50kg bag and is near certain to increase before Christmas. The border closure may have been the government’s way of helping locals but it is not going to make many smile this Christmas. Do you think FG has a grip on rice sellers’ supposed price hike in response to border closure?



Kindly leave your thoughts in the comment section.

Original post was published on http://cellulant.com.ng/publications/border-closure-how-much-rice-can-you-really-eat-this-christmas/

As the year comes to end, it’s almost time again for numerous ‘’compliments of the season’’ greetings, preparation for the vacations, and various environmental changes and upgrades for the yuletide season. For all the excitement about to hit the airways, there’s also a note of sadness as youths and students across the nation endure a 9-month absence from the lecture theaters. It has become imperative for the students/youths to seek other means to learn, gain skills, learn trades, or embark on a business for self-development reasons.

Ademola, having experienced similar circumstances in his final year in the university looks back and recounts how he positioned himself despite the industrial action. 7 years back, he was one of the millions of students who waited for 5 months due to a similar ASUU strike before writing his final papers. Ademola is a successful agency banker in southwest Nigeria, the Accountancy graduate from Kwara state university is now making his living from agency banking.

‘’Even back then, there were really no many jobs for graduates. few years after graduating most of my mates were still either under-employed or underemployed. As a man, you have to talk to yourself, look around yourself, and key into opportunities to make the most of it for your own benefit.’’ Ademola recounts.

”I joined agency banking 5 years ago, learning the ropes steadily, and grew my network in the following years. Now I have 3 shops in Lagos and hopeful of opening another before the year runs out. December is here again, it’s a peak period for many agents because people do a lot of cable and power subscription for the holidays, withdrawals, and transfers this period to stock up and all, so it’s actually a good time to join the agency banking troupe and earn something for yourself.

Sitting idle over the months is a major no for me, the fact that strike action is still ongoing should not stop a determined person from going all out to develop themselves in terms of skills acquisition or get a job to keep earning. Staying idle is just a major no for me.”

As renegotiations efforts continue between both parties, Another year is drawing to an end and youths have been advised to wake up to reality, It’s time to find something to do. Pick up interest and start learning jobs/trades you won’t have thought of two years ago. The time to grow employability and soft skills is now, it is very important to persevere even in the face of adversity. It takes a lot of patience and hard work to continue.

”Sometimes, I have asked myself why am I doing too much, why so much effort? But I know my efforts will yield results someday, so I just continue pressing on because consistency pays. I am happy the year is coming to an end, It been quite a long year we can all tell but I am very optimistic I will finish strong.” Ademola added.

Finish strong with Tingg as we educate, empower, and equip youths across the nation on agency banking and mobile money. Join our ever-expanding network of agency banking agents. Register as a tingg agent today and enjoy the cheapest transaction rates, instant and excellent service delivery, dedicated customer support, and more

Click the link below to Register.
www.tingg.com.ng/agents

Six years ago, Babatunde had just graduated from university. The sheer exuberance and zeal to change the labor market could be seen in his eyes. Burning with desire, this youth was ready to take the accounting sector by storm. Babatunde ticks all the right boxes to succeed in Nigeria, or so he thought. A year down the drain, Babatunde started to understand why qualified graduates could not get jobs. The system is flawed and the opportunities were few and not recurring.

In 2016, statistical reports revealed that approximately 47% of graduates are thrown into the unemployment basket yearly. Another report suggests only 51% of graduates get to practice their course of study after spending years in the university getting certified.
Babatunde started thinking of how to diversify into other businesses. In 2015, He decided to join the Agency Banking Business because in his words, “if you’re in this country you must understand that everybody with his own head o, we can’t keep waiting for job opportunities to come to you. You have to be innovative and get something doing.”

''We all know what is happening around the country, there are really no jobs out there for all the unemployed youths. We must find something to do and that’s why youths are now Learning jobs and trades you won’t have thought of years ago. It is important to persevere because it takes a lot of patience and hard work to succeed.'' Babatunde added.

He seized the opportunity to use his father’s shop right in front of the house as his business center. He began operations as an agency banker in his Iju community in the Far East of Lagos state.

He applied his knowledge of accounting into the business as he built steadily over the next months. Today, he has outgrown his “fathers shop” and aims to open his 4th outlet by the end of the year. Babatunde has gone from being an unemployed graduate to being an employer of labor. He has employed and trained 4 youths on the Agency Banking Business and has Tingg terminals in all his shops.
Like Babatunde, Hundreds of thousands of willing youths and capable graduates are being granted the opportunity to move from unemployment to becoming their own bosses as Tingg agents. Tingg is dedicated to playing its part in the eradication of unemployment amongst the Nigerian populace.

As of the time of publication, the unemployment rate in Nigeria has risen from 4.3% in 2015 to 27%. This also shows that there’s a pool of capable minds out there to be empowered and given an opportunity to make a living for themselves and their families. One youth at a time, Tingg is connecting willing and capable youths to employment opportunities in the agency banking sector.
By 2025, Tingg aims to have empowered and employed 500,000 youths into the agency banking sector as we continue our efforts to ensure unemployment in Nigeria is history.

Click www.tingg.com.ng/agents to become an Agent

9jaBlogger:


https://igberetvnews.com/1365853/breaking-apc-suspends-gov-fayemi-anti-party-activities/

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WriterNig:
Yağmur Aşık plotted to murder her husband, Emre Aşık, a well-known ex-footballer, by paying a hitman 10 million Turkish Liras ($ 1.3 million) and asking him to look for a safe place to bury her husband after his death, media reports claimed.

The homicide plan failed as the hitman spilled the whole story to Emre Aşık, one of the rare Turkish footballers who has played for the three Istanbul giants Galatasaray, Fenerbahçe and Beşiktaş.

Yağmur Aşık and her partner, Erdi Sungur, will get charged with “attempted murder.”

According to the indictment filed by the prosecutor’s office of the northwestern province of Düzce, Yağmur Aşık first asked Sungur to kill her husband.

“I had an affair with Yağmur. She was only thinking of inheriting the fortune after Emre Aşık’s death. She asked me to kill him, but I refused,” said Sungur in his testimony to the prosecutors.

“Once she brought me a piece of meat. She wanted me to shoot the meat. I did attempt to shoot, but I squinted. ‘You can’t do it,’ she yelled angrily,” added Sungur.

Sungur then introduced Yağmur Aşık to a hitman who had served time in prison for killing three people.

According to the indictment, Yağmur provided a gun to the hitman, and they searched rural areas and uplands in Düzce to find a “safe place” to bury the ex-footballer after the hitman would kill him.

At the last minute, the hitman renounced the plan and the ex-footballer’s side.

The date of the first hearing of the criminal lawsuit in the Düzce Higher Criminal Court will be announced soon.

Emre and Yağmur Aşık tied the knot in France in 2012. The couple is not divorced yet and has three children.

Emre Aşık, who is an ex-defender, had played for the Turkish National Team in 34 matches.

https://www.hurriyetdailynews.com/wife-offered-1-3-mln-to-hitman-to-kill-ex-footballer-158550

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To many, the Nigerian dream is to get a degree, bag a white-collar job, save for a few years to support personal development and family members, get married, and live happily ever after. Pretty dramatic huh? Funny enough, 30% of Nigeria's population is uneducated. So how do they love the Nigerian dream? Is the Nigerian dream achievable for only the literates and educated?

The morning sun always rises with Frank well sited and ready for business at his Angwa Shaho location in the heart of Abuja, He has warmed his way into the hearts of his neighbors and customers for being a very lively and ever ready to help agent. In the last 7 months, Frank has gone from being a certified nurse/midwife in search of job placement to being one of the biggest and most consistent agency bankers in Nigeria.


He did not let the national job scarcity issues deter him from living the ‘Nigerian dream’. In his words, ‘‘I always want to be successful irrespective of what I do, who doesn’t ehn. As a Nigerian youth, I’m always on the lookout for opportunities. If I’m not getting a job now, how about I create one for myself and earn from there.’’



‘‘What I have noticed is many people think agency banking is a scam, I also thought so months back but I know better now. Anybody with some capital even as low as ₦50,000 can start the agency banking business, it's better than living a life of crime. Anybody can make it as an Agency Banker, I am a certified Nurse and Midwife, but I am making a career and life off agency banking. I have successfully convinced three guys in my neighborhood to join the agency banking bandwagon and they’re doing good already too. Frank Added.


''It’s a business I will easily recommend to anyone considering you do not need tertiary certifications or be overly literate to navigate this business. All you need is a willing heart, some capital, and tingg. If you don't have a university degree, you can still make it in life as a agency banker. you just have to be responsible and disciplined, with patience you can grow your income steadily and eventually live the Nigerian dream.''
http://cellulant.com.ng/publications/how-to-earn-more-money-as-a-tingg-agent/

Cellulant is currently acquiring Mobile Money Agents on its Tingg platform, These Mobile Agents after registration are referred to as Tingg Agents.
Tingg Agents earn up to NGN 200K monthly (some even more) making mobile money transactions in their localities. To register visit www.tingg.com.ng/agents to sign up and login to your wallet from the PIN delivered to your phone number. You can immediately start doing earning money after funding your account.
Tingg transactions can be done through a number of ways

1. Whatsapp - click https:///2349025825833
2. Website - https://www.tingg.com.ng/transfer-funds
3. APP - Download Tingg app on google playstore for free

Contrary to popular belief, making money is actually very simple. It is as easy as ABC. Just ask any Tingg Agent. More people are comfortable transacting with neighborhood bankers since the easing of the COVID-19 induced lockdown, patronage for mobile money agents (popularly known as neighborhood/agency bankers) has systematically skyrocketed due to the closure of banks and limitations of ATMs (many ATMs were out of service over the four-month period), most Nigerians decided to give mobile money agents the evidence of doubt and the numbers keep increasing. Some Mobile money agents earn more than ₦200,000 monthly, approximately 40% shy of the national salary average pegged at ₦339,000.

Making money as a Tingg agent is quite easy and direct, it’s a numbers game really. You earn for every transaction you perform. Basically, the more transactions you close, the more you earn. To make more money you need to do more transactions, so here’s the question. How can you perform/do more transactions? Here are three easy and practical tips to help you make more money, increase your profits, grow your business and get free POS deployed.
Get full details by clicking http://cellulant.com.ng/publications/how-to-earn-more-money-as-a-tingg-agent/

Cellulant is currently acquiring Mobile Money Agents on its Tingg platform, These Mobile Agents after registration are referred to as Tingg Agents.
Tingg Agents earn up to NGN 200K monthly (some even more) making mobile money transactions in their localities. To register visit www.tingg.com.ng/agents to sign up and login to your wallet from the PIN delivered to your phone number. You can immediately start doing earning money after funding your account.

Contrary to popular belief, making money is actually very simple. It is as easy as ABC. Just ask any Tingg Agent. More people are comfortable transacting with neighborhood bankers since the easing of the COVID-19 induced lockdown, patronage for mobile money agents (popularly known as neighborhood/agency bankers) has systematically skyrocketed due to the closure of banks and limitations of ATMs (many ATMs were out of service over the four-month period), most Nigerians decided to give mobile money agents the evidence of doubt and the numbers keep increasing. Some Mobile money agents earn more than ₦200,000 monthly, approximately 40% shy of the national salary average pegged at ₦339,000.

Making money as a Tingg agent is quite easy and direct, it’s a numbers game really. You earn for every transaction you perform. Basically, the more transactions you close, the more you earn. To make more money you need to do more transactions, so here’s the question. How can you perform/do more transactions? Here are three easy and practical tips to help you make more money, increase your profits, grow your business and get free POS deployed.
Get full details by clicking http://cellulant.com.ng/publications/how-to-earn-more-money-as-a-tingg-agent/

Its Monday again and the hustle for the (₦) Naira is upon us all again.

Remember your bills don't sleep or take a day off so why should you?

You probably have come in contact with similar headlines on how to earn money and where to look when seeking or jobs and still been unable to get any.
Congratulations, your search has come to an fruitful end today.

Below are carefully researched and selected web pages with 100% legitimate and legal sources that will help you start a career with little funds and/or get a job.

[b]NOTE:[/b]THIS IS NOT A GET RICH SCHEME!
Every rewarding and sustainable job/career requires a combination of hard work & smart work in the right proportions and patience to grow over time before scaling.
Diligence and Resilience are very essential in getting to the pinnacle of your chosen career. Stop being a novice and being mediocre, read up to grow your soft skills and improve your chances of upturning your fortunes.
No knowledge is a waste and readers are leaders.

For investments lover kindly check out >> http://cellulant.com.ng/publications/top-5-investments-to-consider-in-2020/
If you're looking for remote jobs >>> http://cellulant.com.ng/publications/covid19-top-5-easy-to-do-stay-at-home-jobs-for-you/
Agency Banking enthusiasts can read >>> http://cellulant.com.ng/publications/patrick-reveals-how-your-network-can-change-your-net-worth/
Here's a total guide on how to succeed as an Agency Banker >>> http://cellulant.com.ng/publications/how-to-earn-more-money-as-a-tingg-agent/
For investments in the Agricultural sector (which happens to be the highest growing sector in the country)>> http://cellulant.com.ng/publications/agricultural-investment-profitable-ventures-to-cash-in-on-in-the-agricultural-sector/


If you have questions, you can drop your comments below or /2349025825833

Contrary to popular belief, making money is actually very simple. It is as easy as ABC. Just ask any Tingg Agent. More people are comfortable transacting with neighborhood bankers since the easing of the COVID-19 induced lockdown, patronage for mobile money agents (popularly known as neighborhood/agency bankers) has systematically skyrocketed due to the closure of banks and limitations of ATMs (many ATMs were out of service over the four-month period), most Nigerians decided to give mobile money agents the evidence of doubt and the numbers keep increasing. Some Mobile money agents earn more than ₦200,000 monthly, approximately 40% shy of the national salary average pegged at ₦339,000.

Making money as a Tingg agent is quite easy and direct, it’s a numbers game really. You earn for every transaction you perform. Basically, the more transactions you close, the more you earn. To make more money you need to do more transactions, so here's the question. How can you perform/do more transactions? Here are three easy and practical tips to help you make more money, increase your profits, and grow your business.


Location – After interviewing tens of successful agents over the last 6 months, one tip keeps coming back. Every successful agent and/or businessman will let you know that the location of your business is a very essential factor in making sales. You don’t take a business to an area because you think you’ll do well there, you take your business to where you’re assured of patronage. While some businesses are better situated in rural areas others are better in a largely urbanized environment.

Picture this scenario, Agent Abel owns a kiosk in a close at a residential area while Agent Bash owns a shop at the heart of Computer Village. Which Agent do you think will attract more customers and make more sales?

The location you’re situated is one of the first questions you must answer right and get perfect before going into the agency banking business.


Environment – After picking a suitable and favorable location to rent a shop or install your kiosk, making sure the environment is neat and permissible is next. Your surroundings reflect your persona (the attributes you possess and/or allow) more than you think or notice. Ensuring your shop/kiosk’s immediate environment is neat, tidy, airy, and smells nice is very essential. Endeavor to make your customers look/feel comfortable and convenient with your environment while you are sorting their payments or attending to other customers in the queue?

Ask yourself, if you are requiring the services of an agent for the first time, is your surroundings convenient enough for you to come back a second time? Remember there are other agents and competitors around, why should any customer do business with you over the others? Tingg Agents are known for their promptness to serve, neatness, sound hygiene, and amiable business environments.


Customer Service – your business slogan should speak and demonstrate that ‘’customers are always right’’ you could have the finest and neatest surrounding in the chicest location, but your business acumen and manners are totally off. An agent needs to be an easy spoken, patient, and understanding person because you will be encountering diverse individuals and you’re in the business of moving their money. These strangers may not look/act friendly towards you but they require your service, it’s up to you to make them feel welcomed, relaxed, and comfortable in your space. The manner of approach and choice of words should be gentle, subtle, and firm.


Over 80% of agents interviewed revealed that customer interaction and service plays an essential role in the success of any agency banker. Some noted that customers come back to their shops/kiosks because of how they interacted the previous time. Some agents have dedicated customers who will not do business with any other agent if their preferred agent is unavailable simply because of the excellent customer-client interaction between them.

The tips above will set the pace for any want to be successful agent. These tips have been extracted from the interviews of the best transacting agents on the Tingg platform over the past 7 months. These are practical everyday tips that have worked for many, is currently working for more, and will work for you if applied and followed judiciously.

If you want to earn extra income on an already established business or even start a business from scratch, Mobile Money is worth considering as an option to explore. Click tingg.com.ng/agents to register as a Tingg Agent and earn more. Kindly drop your questions, inquiries, and comments in the section below.

culled from cellulant.com.ng/publications

Chukwunweike is the perfect description of the 21st-century Nigerian youth. The Abraka native has faced challenges and his determination and perseverance as seem him surmount all and stand tall despite all he had faced. A few years ago, Ike as is he is fondly called by friends and loved ones were facing a dilemma on what next to do after graduating from the prestigious Delta state university in his home town. Ike had traveled halfway through the south-south region in search of job opportunities and found none appealing to his certificate and status.

Ike was not going to take any job because it was available, he had a goal. He knew his worth and was not going to settle for less. Some say destiny, other quote fate, Ike inquisitiveness and willingness to know more made him approach an aggregator (he didn’t know that when they met) while he was at the bank. He noticed the young man in a branded t-shirt and decided to ask what the brand was about. A short discussion in the banking hall led to them exchanging numbers and the rest is history? not just yet.


Ike arranged for another meeting with the aggregator and he was sold in on the agency banking idea. Ike’s zeal for more and his hunger to succeed saw him join in on the tingg agency platform and start transacting. Starting from a few transactions on his phone in his first week of operations, Ike now owns four shops (he also added selling of phone accessories to his shops) across delta state with a view of adding two to that number before the turn of the year.

According to ike, ‘’ You are either making moves or constituting a nuisance’’ Ike is a strong believer that the average Nigerian youth can add value to any society. Even in the diaspora, we are hardworking and we’re doing well academically and business-wise Ike added.

Ike is passionate about the Nigerian youth and has sought out to help as many as he can, currently, he employs 5 youths who are learning the agency banking trade under him and he aims to keep adding to that number. To him, if he can do it then anyone else can and he is determined to mentor willing and capable youths in his community to achieve economic & financial stability. In his parting shots, Ike leaves advice to all agency bankers across the nation ‘’ The major thing is wherever you are, build your business. Let your customers leave with the mindset that you are reliable. You will do well to make certain sacrifices to gain the trust and confidence of customers, it’s not always about profit. Just let them know you are reliable. Also, your location matters in this business. Make a statement with your attitude, advertise and once once, make you self deh enjoy because problem no deh finish for this life’’

Read more on how to make more money in agency banking by clicking the link below
www.cellulant.com.ng/publications