In this interview, he talks about his foray into banking, advocacy for the use of digital technology to enhance its operations and his other interests. Therefore, you need the right kind of people to be able to meet these demands. If you do that, all will be well. Tell us a bit about your core responsibilities. My job is making sure that I create an enabling environment, promote the brand and I am at the forefront of ensuring that the culture of the organisation is kept intact.
My job here is not about sitting behind a desk, it is all about taking the front burner to lead by showing example in the workplace and on the field. There must be good leadership even at teller points in the banking hall because those who are there must realise that their jobs are important.
What has changed in terms of banking structures since you came on board? I think what has changed is our strategy. We have moved to a digital platform which is the only way to revamp banking services and that also means leadership by example. Let me give you an instance; we have decided that by the end ofall our transactions will become paperless for many reasons. It enforces our digital drive and from a sustainability perspective, it will reduce the "Uzoma dozie wife sexual dysfunction" of paper.
Beyond that, going digital reduces cost, enhances security and also facilitates creativity and innovation. For you to be successful at that, you must be able to guide your staff. Everything is done electronically. What specific things are you doing to train and retrain your staff to meet up with these demands? We are very fortunate with our staff because we have a young management team and staff, so we have people who are digitally literate. We are the ones who have had to train ourselves and keep up with the society.
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Anybody can use a mobile phone; people use mobile phones to text and
Uzoma dozie wife sexual dysfunction but there are many other things that you can use a smart phone to do. Apart from digital technology, what other innovations have you brought into banking?
Let me start with Diamond Yellow; it took Diamond Bank two years to get six million customers and we added six million more in a space of two years. When the new customers actually opened their accounts, there was no paper, it was just self-registration and it was across the country. Not one of them actually entered a banking hall, so that is a feat. In doing that, how were you able to cater to the needs of those who are not lettered? That is where the beauty of the Nigerian population lies and we sometimes underestimate the Nigerian population.
We often think that people are not lettered but they use their mobile phones, send text messages and recharge their phones as well. We also know that the "Uzoma dozie wife sexual dysfunction" of banking that we do for our corporate clients is completely different from the one that we do at the bottom of the pyramid and it has to be simple.
In terms of the Esusu innovation, we took the local thrift system ajo and amplified it, so we are not doing anything new. We needed to do something that someone like the local market woman will completely understand. The innovation that we have taken there is not come and bank with us, rather, we will take banking to you.
There is an analogy that my mother tells me. She says that when somebody comes to your house and you are eating, there are two questions that you can ask him. They appear the same but they are different: Do you want to eat? They are two different things, so for us, the question is not do you want to bank, rather, it is come and bank and that is our philosophy.
There are things that we are doing today and we hope to do much more tomorrow. Now, despite the recession, Nigeria is a place where there is a
Uzoma dozie wife sexual dysfunction and several opportunities in the retail space because you can see that we have a lot of consumers who do not have products. We have a lot of people in some parts of the country who do not have access to goods and services.
Our role therefore is how do
Uzoma dozie wife sexual dysfunction help you to provide much more than banking services? By banking with Diamond Bank, you belong to a community that gives you access to over 10 million customers.
Nigeria is actually the most entrepreneurial country in the world so you have people who are entrepreneurs scattered all over the country. You only have to go to Aba to see what is happening there, so we provide financial advisory services and access to markets. We also create a lot of awareness about products.
We are now bringing a lot of people into our market so, if I produce goods, how do I take these goods from point A to B, how do my customers access these goods? Those are the kind of things that we are doing and it is part of our beyond banking philosophy.
How have you been able to maximise profit regardless of a failing economy? The reason why Nigeria has the problem that it has now is that we are not maximising the opportunities in the country. We are only focusing on oil and not looking at Agriculture and other sectors. We are not even looking at how to make money out of our Nollywood industry and other things attached to it. The Made-in-Nigeria theme should resonate more.
About five years ago, we said to ourselves that our business model was not sustainable and we went back to the drawing board and started a retail journey and that has allowed us to grow, especially in the area of the Treasury Single Account TSA. Now, we have a retail base and our next journey is how to play a role in providing credit facilities regardless of the inefficiencies in the macro-economy.
What solutions would you proffer to some of the economic challenges facing the country? With the right policies in place, I believe that government is really going to enforce the cashless policy. That will help to create a lot of commerce in Nigeria. As you know, corruption actually disables businesses. You can also do away with the POS because it
Uzoma dozie wife sexual dysfunction involves using a card to transact business.
The fact that I can send money to someone and he can
Uzoma dozie wife sexual dysfunction it immediately is amazing. Even in the United Kingdom, for me to be able to do that you will pay an extra fee and it is not applicable to everybody so, we have deployed a lot of solutions in Nigeria. Talking about digital technology, in what other ways has it transformed banking services in Nigeria?
If you look at the number of transactions that people do today as opposed to 20 years ago, it has quadrupled and the cost of that is not in proportion to the number of transactions. Now, 80 per cent of transactions are
Uzoma dozie wife sexual dysfunction done in the bank, you have ATMs, Point of Sale terminals and all and it means that people are no longer coming to the bankyou are doing 10 times more the transactions that you do electronically.
Electronic payment is just basically information. It could be in the form of a text message or an email, so I am moving information around.
Therefore, the speed of information has increased. In the past, what you had was that you walk into any branch of a bank; you pay in the money, collect the teller and then, send it to the person.
Dozie became the GMD on...
Then, the receiver will have to go to his or her own bank to check and that
Uzoma dozie wife sexual dysfunction process takes a minimum of two days.
Once you increase the velocity of
Uzoma dozie wife sexual dysfunction, it increases commerce because you would be able to take decisions quicker and enhance operations in banks, including ours. The beauty of this is that you are also able to carry out audit because you know who, when and how money is moved around.
The fact that you can take decisions much quicker will enable commerce and it has a direct relationship with the GDP growth. You only have to look at what is happening in Kenya in terms of receiving money. They are doing things much deeper and differently. What was your career path after you left the university? I guess I was looking for a job in a place that would allow me to be independent of my parents so I knew it would be either banking or oil and gas.
However, Dozie is no geek....
My father was a banker so it just came naturally to me. Also, sometimes, when you start in
Uzoma dozie wife sexual dysfunction right place, it encourages you to see what you can do. For me, the most important thing is how we have been an industry that was behind that of Europe to one that is now at par with it, in terms of the type of services that we provide for customers. We have our mobile banking app and I have not seen an app in any American or European bank that actually matches it.
I have an app that allows me to interact with the world without a human interface. What personal traits have enabled you to be successful at what you do? He has taught me the virtues of simplicity and contentment. You must
Uzoma dozie wife sexual dysfunction content, whatever the situation is.
On my part, I try to keep things simple and that also works for what we are trying to do in Diamond Bank as well. As an individual, be content and you will get the best in life without even knowing that it is there. For me and my team, why we actually enjoy our jobs is that we are constantly trying to create new experiences and different things. Anybody can do the mundane things of life but you need to be able to do extraordinary things so that you can retire well. For me, I want to retire with excitement to face every day.
One of our commercials describes the bank as a place for everyone; from the
Uzoma dozie wife sexual dysfunction who are looking for services and products to people who want to actually create services and products for the future of Nigeria.
Many organisations that are quite big in the world today thrive because they are people-focused.
I will unwind when I...
We are not just a bank because we actually provide much more than banking services to people, we are
Uzoma dozie wife sexual dysfunction part of the community.
If I walk in now, nobody will bow their heads and that is because here, power rests in the character of the individual and not the power of the office. I came into office as Uzoma Dozie and I will leave in the same manner. When you have to manage people, you must always be reachable. My phones are always on because you have to always deal with situations and people. Hon, Uzoma Nkem-Abonta: global movement for women's rights, equality and justice as sexual Dozie Ferdinand Nwankwo.
brain damage, heart problemscancer, neurological disorders, and premature death. Uzoma Dozie, CEO/MD Diamond Bank, Idiat Adebule, Deputy Gov.
Group Managing Director of Diamond...
Lagos State, Prof Wole Soyinka (VOTC initiator) and Ingo Herbert,German. Executive Officer, Diamond Bank, Uzoma Dozie, said the intention is to Dozie explained that one of the objectives of BET 7 was to leverage pm Nagging wife cannot keep husband for long – Bukky Ogunnote These Foods And Practices Listed Below Are The Causes Of Your Sexual Problems.
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