WhatsApp Digital Payment Service Launched! Now a Major Concern to Nigeria Banks

WhatsApp Digital Payment Service Launched! Now a Major Concern to Nigeria Banks

The owner of WhatsApp is not relenting as he's still continuing working hard to release updates from time to time in order to make sure the platform become easier to use. A few weeks back, Whatsapp Business was released, which is a must-have for all small business owners or anybody offering services to the public.

This is another great news. WhatsApp has rolled out its Payments service in India to the Android and iOS users. Earlier WhatsApp began the testing of its digital payment service in India with limited beta users. WhatsApp has rolled out its Payment feature for all the users in India and in order to use the WhatsApp payment feature, users need to update their WhatsApp messenger to the latest version.

The WhatsApp payment service has been integrated with BHIM (Bharat Interface for Money) and takes the advantage of the UPI (Unified Payments Interface) to let the users link their bank account, send and receive money directly from their WhatsApp messenger. Hopefully, the feature will be available very soon in Nigeria and other African countries.

Users can locate the payment option in Whatsapp by tapping on the attachment button placed next to the camera icon. After that, users will see the payment option along with other options such as gallery, video and others. Once clicked then a list of banks will appear on the screen and you then have to select the bank to which bank account is being linked. After selecting the account, you will just have to verify it to send the money.

WhatsApp Payment Feature, A Major Concern to Nigeria Banks
Do you know that telcos have hated the global messaging app due to the fact that "the activities of ‘over-the-top’ companies like WhatsApp, Viber have adverse effects on their business and affects the sustainability of Nigeria’s telecommunications industry." 
Now, it seems the banks will join the battle royal. The risk to banks is clear: if WhatsApp becomes very successful in payments, it may become a small bank of itself. In other words, if people decide to be leaving money in their wallets without moving them to their bank accounts, most banks would struggle [liquidity issues].
In other words, you can leave N100k in your WhatsApp account to handle basic things, and only move the money to the bank when you need hard cash. Under this scenario, the bank is merely serving as a dumb terminal which is good when you need to withdraw cash or pay in money. Once the money is in the wallet, you have no need of your bank.

Most Nigerian banks are enjoying growing transaction-based fees with ATM charges and all kinds of charges including stamp duty on digital transfer. WhatsApp could help Nigerians to handle their financial transactions without hitting any bank server, and in the process avoid most of those fees. The excessive fees would push many people to adopt WhatsApp. Just load your WhatsApp wallet, and from there handle basic things of your life. Provided the money is leaving the wallet, banks would not access the stamp duty, SMS fees, etc.
MTN 2000% WinBack Offer, Recharge N100 and Get N2000

MTN 2000% WinBack Offer, Recharge N100 and Get N2000

You can now get huge rewards from MTN Nigeria simply by re-activating your dormant lines.
Do you know that all the major Nigeria telecoms, namely MTN, Glo, Airtel, and 9mobile are offering huge airtime rewards when you reactivate your sim cards?

Etisalat is offering N4000 airtime bonus to their inactive subscribers when they recharged with N200. Airtel also introduced similar offer (Airtel 20x bonus) which gives Airtel subscribers 2000 Naira for recharging N100 while Globacom is offering N600 Airtime Bonus with its Welcome Back Bonus when you recharge your line with just N100.

MTN has now joined the trend of free airtime give away, tagged as "WinBack". MTN is offering a whooping N2000 when you recharge just N100.

MTN WinBack is also known as Welcome Back offer. It is an offer that rewards dormant customers for re-activating their lines. I.e. customers that have spent 45 – 180 days on the network without performing any chargeable activity will be rewarded with a 2000% bonus on their first recharge in a month for 3 months.

It is as simple as it sounds. Have you dropped your MTN sim card for this period of days? Quickly clean up the dust and insert in your device to enjoy this promo. All MTN customers that have not made use of their SIM for a period of 3 months or 45 days will be rewarded with  a whooping N2000 when you recharge just N100.

How it works
Re-activate your inactive MTN SIM, recharge a minimum of N100 and enjoy 2000% bonus on your first recharge for the period of three (3) months. 2000% (20X) bonus on recharge of N100 and above with maximum recharge of N1000.

MTN Welcome Back Recharge Bonuses
  • Recharge of N100 gives N2,000
  • Recharge of N200 gives N4,000
  • Recharge of N400 gives N6,000
  • Recharge of N500 gives N10,000
  • Recharge of N1,000 gives N20,000
How The Bonus is Used
  • MTN won't touch the actual money you recharge (eg. N100).
  • 500% of the instant bonus will be used for voice calls and SMS to all networks in Nigeria
  • 1500% will be used as data.
In a nutshell, the bonus can be used for SMS, voice and Pay-as-you-go data bonus.
How Your Calls and Data is Charged
National calls default tariff plan rate is 80kb/sec (N48/min), National SMS at the default tariff plan rate is N4/SMS capped at 75 SMS weekly and data at the default tariff plan rate is N5/MB.

Simply dial *559*65# to check your bonus balance.

Note: Credit bonus cannot be used to purchase data bundles. You will be able to enjoy the offer for a period of 3 months, but you can only get the bonus just once per month.

For more detail, log on to: https://mtnonline.com/welcome-back-faqs
Essential Phone gets Oreo beta 3 update

Essential Phone gets Oreo beta 3 update

If you are an Essential Phone owner, and have your device enrolled in the company's Oreo beta program, here's a new one for you: the Oreo beta 3 update is now available. You can download it manually from the company's official website, or wait for the OTA.

As for what's included in the update, there are two changes when compared to the previous build: January security patch (which includes fixes for Spectre and Meltdown) and some other stability/bug fixes.

The update arrives as build version OPM1.170911.254, and weighs in at around 106MB. As for final, stable Oreo build, Essential has so far just said it'll be made available soon.
Instagram now shows activity status for your friends

Instagram now shows activity status for your friends

Instagram has added a new activity status feature in its iOS and Android app. Considering there isn’t an official announcement from the company, it’s likely the feature is still being tested and not available for everyone. However, it does seem to be available for most users right now.

With this feature, enabled by default in the app settings, you can go into your direct message inbox and see the activity status of the people you have messaged below their name. This appears for people you follow or have previously messaged. The status ranges from ‘Active…’ a certain time ago or a very specific ‘Active now’ if the user is browsing Instagram at that very moment.
If this sounds like a bit much to you, then the app does give you the option to disable the feature. When you disable Show Activity Status, you stop seeing status for other people they stop seeing it for you.
There were reports of Instagram spinning off its direct message feature into a separate app and this might be an effort towards that.
Port to Airtel Network and Get Whopping 10GB Data For Just N500 or 2GB for N100

Port to Airtel Network and Get Whopping 10GB Data For Just N500 or 2GB for N100

Hello guys, I think this is the right time to migrate one of our sim cards from other service providers to Airtel Nigeria. If you are an internet addicted or someone who loved the freebie, I believed you should have more than one sim card on each of the networks. One of your dumped sim card which was in a dusty wardrobe can now be used to get the huge volume of data with the token amount of money.

Airtel NG is here with an amazing offer that gives you whopping 10GB data for just N500 or 2GB for N100 when you moved your phone number from any GSM mobile operator onto their network. The data works on 2G/3G and 4G network, it can be used both at daytime and night, browses and downloads on all websites without VPN apps.

This is even bigger than the #GloUnfairAdvantage which offers 2GB for N500 - you can see the gap! we are not going to call it a trick, it is something like a bonus. But, as we have already said, it works like a normal subscription.

To benefit from the offer, you will be needing to Port your SIM Card from one Network to Airtel, but I recommend you use one of your MTN Registered sim. Porting is absolutely free, and you’ll retain your MTN number while using the Airtel network. For example, people will still be able to call you with your current MTN number, but you’ll be loading Airtel recharge cards, and using Airtel tariff plans and services. Remember, it’s free to port!

Requirements to Port Your MTN Sim to Airtel Network

  • MTN Registered SimCard (You need to port it to Airtel)
  • A valid ID Card (Student ID Card, Voter’s card, National id or Driver license)
  • Your time is need as well.

How To Port From Another Line To Airtel Network

  • Work into any Airtel Outlet around you with the above requirements.
  • Tell them you will love to Port your existed sim (MTN) to Airtel
  • You will be asked to fill out a Form. (Follow Customer Care Procedures)
  • Now you will receive an SMS from Airtel on the MTN SIM telling you (You wish to port your line)
  • Reboot your Smartphone when you noticed that the MTN Network has disappeared.
  • You will be guided to input your newly ported Airtel SIM Card.
  • Switch Off your phone and just insert the newly ported Airtel SIM
  • You will then get a confirmation messagefrom Airtel that your sim has been ported.
Make sure you follow my exact procedure and steps below in other to enjoy the Whopping 10GB data for just N500 or 2GB for N100.

    How to Get 2GB for N100
    • Now, after successfully porting your MTN line to your Airtel SIM
    • Recharge your Airtel ported sim via Online Banking, TopUp Africa or use your Zoto Mobile Recharge 
    Note: Do not recharge with scratch card pin.
    • After recharging N100 with any of the methods above, you’ll be given instant 2GB data which valid for 30 days and the data balance can be checked by dialing *223#only.
      How to Get 10GB Data  For Just N500
      • The more you recharge N100, the more the data accumulates. 
      • N200 recharge will give you instant 4GB data bonus while N500 recharge will give you 10GB and vice versa.
      • You can’t accumulate above 50GB data and each of the data has 30 days validity period. 
      • The money you loaded will be intact while you enjoy your data.
      Remember not to recharge with scratch card pin, otherwise, you won’t be given any data.

      Benefits of Porting your Line
      • You get the best of rates for voice and data services.
      • You begin to leverage Airtel’s wide range of innovative and unparalleled products and services.
      • You have the benefit of being served by a top global brand with best-in-class network quality, amazing data speeds, and a differentiated customer service experience.
      • Because of Airtel’s global reach, you enjoy unmatched benefits when you use your line in 20 countries and counting.
      Hope this info helps...
      T-Mobile Gear S3 gets Tizen 3.0 update

      T-Mobile Gear S3 gets Tizen 3.0 update

      T-Mobile has started pushing out a new update to Samsung Gear S3 units - both Classic and Frontier - on its network. It's a major update that weighs in at around 266MB, and brings along Tizen OS version

      The roll out of Tizen 3.0 - which arrived as part of a Value Pack update - hasn't been smooth. Shortly after the update arrived in November, users started reporting poor battery life on their smartwatches.
      While the company did push out an update to fix the issue, it wasn't immediately available everywhere. Meanwhile, in Europe, Tizen 3.0 roll out was halted - it only resumed in late December after Samsung included the fix in Tizen 3.0 update itself.

      Nokia 6 leaks in full ahead of launch tomorrow

      Nokia 6 leaks in full ahead of launch tomorrow

      Nokia 6 (2018) is going to be officially announced by HMD Global tomorrow, but Chinese retailer Suning jumped the gun and leaked the device in full. All the specs, including press renders and lifestyle images, popped up on its website and online store.

      The new Nokia 6 comes with a more powerful Snapdragon 630 chipset, a fingerprint scanner on the back and redesigned accents around the edges and the camera. It also borrowed some features from the Nokia 8 for audio recording and photos.
      Nokia 6 (2018) with Bothie in action
      The chipset has an octa-core CPU, with four of the cores clocked at 2.2 GHz. The RAM available is just 4 GB with two internal storage versions - 32 or 64 GB. There is also a microSD slot for up to 128 GB more.
      The primary camera is 16 MP with f/2.0 lens, and it comes with OZO Audio recording. It also has Bothie mode where you take a picture or video with both cameras at the same time. Speaking about the front snapper, it has 8 MP sensor and f/2.0 lens.

      Nokia 6 (2018) Nokia 6 (2018) Nokia 6 (2018) Nokia 6 (2018)
      Nokia 6 (2018)
      The battery has 3,000 mAh capacity and is charged via the microUSB port. The OS is near-stock Android 7.1.1 Nougat, with promises to get Android Oreo soon. Dimensions sit at 148.8 x 75.8 x 8.15 mm with a weight of 172 g.
      The Nokia 6 (2018) is available in Black with orange accents and White with red accents. The 32 GB version will be sold in China for CNY1,499 ($230/€190), while the 64 GB one will cost CNY1,699 ($261/€216).
      Last year, a global variant was announced in February at MWC, and HMD Global will most likely do the same with this edition of the Nokia 6.