A few weeks ago, I was at the bank updating my business account details.
The queue was long. Some customers were scrolling through their phones. Others looked tired and frustrated.
Then I noticed something else — a few people standing in line holding large amounts of cash in their hands.
As someone building a digital banking system where cash is rarely part of the experience, I was curious.
So I asked one of them why he was carrying so much cash.
He sighed and said:
“My brother, don’t ask. This is the second queue I am standing in today, just to put money in my own bank account. First, I went to an MTN agent to withdraw the money and stood in a queue there. Now I am here again to deposit it into my bank.”
Two queues.
Just to move money from one system to another.
I waited for him to finish his transaction and met him outside the bank.
I showed him the KiiBank app and explained that users can add money directly to their account from MTN or Orange Mobile Money without visiting an agent or a bank branch.
From home.
In minutes.
His reaction was a mix of surprise and frustration.
Not frustration with the technology, but with the fact that his bank had never made it this simple.
This is the quiet cost of outdated financial infrastructure. Not just fees. Time. A process that currently takes two hours and two queues can often be reduced to a few minutes when systems are properly connected.
At KiiBank, this is one of the problems we think about constantly.
Because in modern financial systems, the most valuable currency we can help customers protect is not just their money.
It is their time.
Good financial infrastructure should remove friction from everyday life — not create more queues.
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