The bank nearby


A tech-mfundisi who has been in the banking sector long enough to be one of them shared with me the bank’s secret code: “a banker guards a customer’s account with the heart”.

That means many things to different people. Your take home, however, should be that the bank is sacrosanct; a place of integrity and decorum.

The hilarious version is; money doesn’t like noise that is why they don’t play music in the bank (I got that from one Ralph Kasambara’s Facebook wall).


It is for this reason that banks don’t let utility companies like Escom and water boards cook up willy-nilly apps and start debiting people’s bank accounts.

A bank vets employees before engaging them. You pull a scandal and you are out of the sector for life.

Is it because of this that most banks have decided to mistrust Mpamba and Airtel platforms and have gone ahead to create their own? Hard to tell. It is, however, common knowledge that these two platforms have been a recipient of hack raids from all sort of places; even from prison cells.


Mpamba and Airtel platforms are beautiful apps and I enjoy using them and have never been dubbed while on them. Probably that is because I am tech savvy enough not to fall victim.

There have been several attempts but have come out unscathed each time. Not everybody is that lucky.

Now, within sight one is greeted by NBM Fast Serve, Standard Bank’s Unayo, NBS Banki Pafupi, FDH Banki Nkhonde and many more.

Competition is always good for the consumer. Money is now ever more plastic than it has ever been. You need not visit a banking hall in town to deposit a mere ten grand cash. Walk into any trading place with your banks insignia and exchange the cash with a wallet.

Need cash? Trade-in your plastic money in aMo626 wallet with actual money with the nearby grocer.

Welcome to a china in Malawi. Cash is no longer king. Money now resides in people’s smartphones.

This is civilization and not any of the 666 conspiracy theories by fellows who refuse to get a jab chiefly because of phobia for needles gone too deep.

I rest my case my ladies and gentlemen. Prosperous 2022.

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