Oluyomi Ola-David Insights

I recently received a notification that of an account opening with my phone line. Then, I began wondering... How should one receive a bank account opening notification from a bank they have never visited or registered interest in? I have never visited the FCMB (First City Monument Bank) physically or made any such account opening move with the bank online. How did they get access to my phone line? I had immediately deleted the message as a spam message. Then, I also got an Eid Mubarak from FMBN, Federal Mortgage Bank of Nigeria. How did they get my phone line? Do banks now open voluntary accounts for people? Please chat me up privately if you have a some answers to my questions.  I just thought to write this note here for the records. I also got a Eid Mubarak greeting message from FMBN. I do not understand these messages and greetings o. If you do please help me out.

Governance structure, infrastructure, intrastructure, and culture can and should be customised to each country context.  Laundry lists and consensus governmental frameworks sold by thought leaders in developed countries should never be adopted without reckoning unique domestic realities of developing countries. A rethink is necessary to adapt any good element gleaned from other economies. For a country like Nigeria with over 250 ethnic nationalities, 500 languages, and widespread ethnic fractionalisation, national leaders must develop and implement a unifying vision and regional governance structure to create a wholesome national culture.  Otherwise, internal conflicts and cessationist calls stirred by segments of the country that feel marginalised would continue to deter development and investment prospects of the country. Decades of implementing an unfit governance framework has only intensified conflicts and slowed the pace and pattern of development. Without needing to reinvent the