APP REVIEW: Tayo Oviosu’s Paga app interface is decent, but…

Technology, for a fact, hasn’t just changed the way we do business, it’s reshaped the way we keep, access and retrieve money.

In 2009, when fintech in Nigeria was still in its infancy, a startup with a mission to foster financial inclusion entered the market by the name of Paga.

In a West African country notoriously struggling with an unstable economy, 13 years later, where is Paga?

And, more importantly, how is its wallet app doing in the market? Good? Fair? Wrong? Come, let’s dig.

In this review, we covered the general usage of the app after having first-hand experience with the product, from download to registration, verification and transaction.

Additionally, as part of this review, we sampled the opinions of other users who have at one time or another used the app.

What we know
Founded in 2009 by Tayo Oviosu, Paga’s mission is to make sending and receiving money transparent for users.

What else?
We’ve seen how the startup has expanded its interests to include facilitating the purchase of data and airtime as well as paying utility bills, including satellite TV subscription and groceries. electric, among others.

The app
A little tour on Playstore. I am using a Samsung device so I downloaded the Android version of the app. Without problems. And, if you’re in a location with good network reception, the download shouldn’t take more than 60 seconds.

Starting my playstore review won’t be bad. The size of the app, if you ask me, is really cool. I don’t have much of a problem with a 21MB app.

It’s impressive that the app is verified by Google Play Protect, which means my phone is running the app safely. And that I don’t have to worry about security issues or my phone being hacked by installing the Paga app.

A minor playstore skirmish is a number of bad reviews from former users, citing instances where they weren’t able to upgrade their accounts seamlessly as promised by the Oviosu team.

By nature, these reviews will form the basis of my first impression but to be fair, however, I will remain open-minded to see if my experience is right. So let’s go further.

Name, email, phone number and BVN
I can only appreciate the ease of registration on the application. Name, email, phone number and BVN. That’s all! I didn’t have to provide a long list of data.

Maybe the BVN (since it contains a user’s biometric and personal data) was just enough. I think it’s smart of the team. I will approve of that. Let’s move on.

The dashboard
Right in front of me, my dashboard was ready. In the topmost part I could see my newly registered paga account number and my balance. I think the user interface is cool and quite user-friendly.

Just below is a list of app features. Well spaced out and not to be missed. It is positioned at eye level. Grid features include “send money”, “request money”, “buy airtime”, “buy data”, “pay bill” and two other features.

After this layer is the space displaying linked accounts and debit cards. I tried to link my account, and it was successful. But I thought my account balance would sync automatically. I was wrong.

At this point, I was wondering the essence of the app if it couldn’t sync my account after successful linking. For me, that’s a boost right there.

Buy airtime
To get a first-hand experience, I thought about buying airtime through the app. This way, I could observe the processing speed and the response of the application. Also, it would help me answer a few questions that bother me, like why Paga if my GTBANK app could practically do the features listed.

Also Read: APP REVIEW: With Stolen Phone Number or Fake Email Address, You Can Sell/Buy Stolen Items on Jiji

Fund my portfolio
In my new Paga account, I made a quick transfer from my GTBANK account. My first issue started here. The fund did not reflect instantly. In a technological age like this, time is of the essence.

I had to sacrifice to see what I did wrong. A few minutes later I got the credit notification, checked to confirm, and it was right there. No more problems.

Recharge airtime
The next thing I tried was to recharge my Airtel line. Unlike the delay I encountered with funding my wallet, recharging my phone line was faster.

Disconnect notification issues
The app automatically logs users out after 5 minutes of inactivity. While that’s cool and does a lot to keep the Paga app secure, I find the notification annoying and distracting. The disconnection security measure can occur without notification. I think it’s unnecessary.

Friendliness
I don’t know if friendliness is the right word here. But I think Paga tries to impress its users with bonus offers. Why did I say that? After topping up my airtel line, I received an additional 2 naira in my account. Marketing strategy? Maybe.

A major downside
What I consider a major drawback is the fact that transactions can be made without an authorization code or password.

If the argument is that the initial password suffices, it is an error. This leaves users at risk. If my phone ever falls into the hands of a third party before the 5 minute disconnect time, my fund is no longer safe.

Paga might want to learn a thing or two from business banking apps. GTBANK and Firstbank, which I know, work with a transaction pin to approve all assignments.

Rating on a scale of 0 to 10
The Paga app scores a 7 if you ask me. And, that, I think, is a good score judging from my experience. Yes, I think the team did a good job with the app, especially in the areas of coordination and site architecture. The Paga app, however, can be much better at fixing some of the highlighted issues.

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Lance B. Holton