Great insight. I am also a witness to what you said about okada riders. One of them told me, after using our service at one of our POS centres, that the reason he prefer to use the service rather than visit a bank is because he’s afraid that when he enters the bank, someone might run away with his bike. Which is why companies like us (AMW) are the future of banking. And it’s already happening. Our goal is to have 1000 of those kiosk delivering financial services to the masses in Nigeria within 2 years. It’s a dream we hold and you can be part of it