Opay is really the answer to the prayers of a lot of people. The banks show no mercy in this petty, mundane withdrawals. Like it borders on exploitation at this point. Everyone now needs an avenue where they can do their transactions without the threat of exorbitant charges looming on their heads.
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The Banks in Nigeria are that way because there was no competition. They were inconsistent and at one point in time, they began to rest on their oars. I think I'll like to see them face massive boycotting, this way they'll know they're not indispensable.
Massive boycotting sounds like something that would be quite befitting for them but you know your country people, some will go behind to still do transactions with them.