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My Father's Advice

MY FATHER'S ADVICE... 1. Not everything will go as you expect in your life. This is why you need to drop expectations and go with the flow. 2.Reduce bitterness from your life, that shit delays blessings! 3. Dating a supportive woman is everything. 4. If you want to be successful, you must respect one rule - Never lie to yourself. 5. If your parents always count on you, don't play the same game with those who count on their parents. 6. Chase goals, not people. 7. Your 20's are your selfish years, build yourself, choose yourself first at all cost. 8. Detachment is power. Release anything that doesn't bring you peace. 9. Only speak when your words are more beautiful than your silence. 10. Invest in your looks. Do it for no one else but yourself. When you look good, you feel good. Normalize dressing well, you're broke not mad. 11. Some people want to see everything go wrong for you because nothing is going right for them. 12. Being a good person doesn't get you lov...
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Demystifying cloud banking for FSPs in Africa -The Panagora Blog


Cloud banking has been hailed as a technological innovation that will enable financial services providers (FSPs) in Africa to extend banking services to approximately 717 million people on the continent who are either underserved or unserved.

Cloud banking is the practice of using cloud computing and internet technologies to deliver a full range of financial products and services via a virtual and scalable ICT infrastructure.
Cloud technology enables FSPs to be more flexible and responsive to market forces and consumer needs. They are able to significantly reduce the need to invest in hardware and software assets, and thus can achieve major cost saving, especially for smaller institutions. This, in turn, allows FSPs to ensure that their ICT staff are focused on innovation and improving the customer experience rather than on maintaining a large back end. The hope is that lower costs will translate into more affordable and competitive products.
While many FSPs are already using cloud-based services for non-critical purposes, (e.g.: human resources, e-mail, CRM and document storage), the transition to cloud banking for core banking products and platforms has been slow, largely due to the need to convince stakeholders and regulators that the risks involved can be managed and mitigated.
If FSPs are to seize the opportunity they urgently need to engage both internally and externally on the issues surrounding cloud banking. Internally, many banks acknowledge that in order to remain competitive in a digital world, they need to become more efficient and lean in their operations as well as upgrade their technology infrastructure in order to integrate customer data across channels and create an enterprise-wide view of the customer. Cloud technology can help mitigate the enormous cost of managing and integrating legacy systems and allow FSPs to innovate faster to meet customer needs.
Externally, the immediate focus needs to be two-fold. Firstly, they need to engage with both government and the private sector to ensure that the ICT infrastructure necessary to deliver cloud banking services is upgraded and strengthened. Secondly they need to engage with regulators in order to develop regulatory regimes that allow for the digitisation of services.

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