DD
MM
YYYY

PAGES

DD
MM
YYYY

spot_img

PAGES

Home Blog Page 6723

The Journey to Freedom

0

The general feeling that comes with the approach of the end of a season is extraordinary. We have all felt this. It’s quite different from the individual series of what we feel. Whether the journey has been awesome or not, that heavenly joy when you know the end is near.

It’s what comes with knowing you’re about wrapping up a phase of life; be it filled with hardship or sweetness. It’s like the anticipation of the relief of rain after a season of dryness. A moment we long for.

For many, the idea of where they’re going isn’t always a challenge especially for a structured journey like schooling or a 24 hour-day. Graduation is all that largely matters to a student and the day will come to an end whether it is wanted or not. I intentionally omitted the cliche “average student” for that kind of description. I know that is expected to describe such, but to be honest, we all desire to be out.

A great deal of possibilities are attached to such endings. It’s a fight for Independence. You imagine a lot of things that could happen at the end of that journey.

Confidence grows knowing parting with the troubles of the journey comes soon. No journey on it own is without trouble,except in the fictional world and in the hand of a poet. We could create a story without trouble but when we open our eyes, we will be back to reality. It’s not possible in the actual term. One of the pushing forces towards the end of a journey is the growing confidence of freedom ahead. The joy of ending after many rough moments. These feelings are better experienced than read. We’ve all had our share, as we’ve all embarked on a journey, no matter how small.

In such moments, we look ahead at heroes that have won and are free, and we ascribe their enjoyment to the freedom, so we fight harder thinking if we win we would be like they are. On the other part, we look at those behind recounting how we’ve passed where they’re now. It’s kinda refreshing. It’s like a short distance race. I was an expert in this in secondary school. I couldn’t run long distance but with short distances I was among the best. The race gets quite exciting and tiring towards the end and many times the last few meters determine a lot. That’s when the joy of finishing pushes the more.

If you’ve ever finished a project, a race or a journey you’ll know this feeling disappears as soon as its done. Quite strange, a certain kind of uncertainty covers the future again. Then we know that what gives the true joy isn’t in finishing that journey really, it’s at that time we realize the vanity of that journey. I fear such moments. When we were about finishing secondary school the feeling was like I described earlier, but when we were done, I felt empty.

It was quite disappointing after few days. Quite uncertain. What definitely comes after is university, but how it will be, no one knows. I’ll miss everything about secondary school but yet I was praying to leave it a few weeks back. All these thoughts streamed through my heart. It was quite challenging. This week I thought deeply about how leaving medical school too will be.

The journey becomes more beautiful when we are conscious of what we’re becoming all along the march to freedom than just targeting the freedom. It’s quite easy to get lost in the race that we don’t keep the consciousness of what we’re becoming gradually. I think if we keep this in view as we march to freedom on any area of life, it becomes sweeter at the end and gives a clearer view of what’s next. Many times when we’re done doing something, we can’t even point out what we’ve become. In reality, many just know that they have to get out of bed and go out.

This is a feeling I’ve fought for years, that no matter how strong the waves of the ocean of the day is, at the end, I won’t just arrive at the seaport but all along something would have formed in me. If we can adopt this, every journey takes a different shape. Every challenge takes a different shape. Every day takes a different shape. We aren’t just motivated about waking up to see the day but throughout to be conscious of what we’re being molded into is alive and if we feed it enough, no storm of the day could kill it. This is important if life wouldn’t be a continuous series of the feeling I described.

Imagine, you’ve taken a journey to read this. I don’t know what was in your mind when you started but any time you start things like this have a consciousness that you’re going through it to become something. The real target isn’t to read it to the end, that’s not it. The real target is to be conscious of what we become along the journey rather than the end of the journey.

nicholasoluwaseyi6@gmail.com

Outlook On OPay On Financial Inclusion

9

We prepare seasonable market intelligence reports for our clients. This is an excerpt on OPay in Nigeria. I have deconstructed it, removing the jargon, to make it accessible here. The report is more professorial and technical but I do not share such when I expect high school kids to read me. Pardon that I cannot share all; it has some proprietary data as we customize for clients. (I had noted on OPay strategy here.)

Our model projects that by the end of Q1 2020, OPay (from Opera) will have the largest “agency banking” agents in the Nigeria’s financial sector. OPay is turning bike riders into “agency banking” platforms, providing a mechanism for a fusion of physical money (cash) and digital money (wallets). A bike rider will give you cash if you debit your OPay wallet in his favour, and he can also credit your OPay wallet if you give him cash. Fascinatingly, OPay has invented a mechanism that these processes can happen without a need for a bank account or any integration with the traditional banking system. 

There are three key elements  associated with this model: (1) tax efficiency to players (2) Speed and (3) Cost efficiency for price-sensitive customers. 

[…]

Just as Diamond Integrated Banking System (from defunct Diamond Bank) played a major role, arguably more than the Nigerian Police, in reducing highway armed robbery, when it delocalized account operations (you can deposit in Kano and withdraw in Lagos), we expect OPay to have a catalytic impact on financial inclusion in Nigeria. OPay is integrating food delivery (OFood), bus service (OBus), tricycle (OTrike), motorbike (ORide), etc into a mammoth system where digital financial inclusion can happen without any connection with the traditional banking infrastructure. As OPay advances, even the NIPOST stamp duty will diminish because OPay’s operating system is not connected into NIBSS for any settlement. Price-sensitive customers will see this architecture as favourable especially when the agents are everywhere. 

[…]

If market women feel comfortable loading their money into OPay wallet via the bike agents, disintermediation at unprecedented level will happen in the banking sector. Our projection is that OPay will have excess of 300,000 “bank branches” – the bike riders as agents – thereby making it a dominant “transaction institution” for a significant portion of the economy.

OPay is disruptive because it has come with a new basis of competition. Dealing with this competition will require many things. We explain tangential and parallel strategies we believe will offer realignment in the market from the O-Horizon Segment (see Figure 3).

[…]

 

The Pain of Unforgiveness

0

My parents divorced when I was 10 years old. I stayed with my mother for a year before moving to live with my grandparents. Life was so unbearable for me. That’s when I know the essence of parents in the life of a child.

My father left for an unknown destination while my mother doesn’t care to know how I was surviving. I kept struggling with my life while my parents were somewhere else living theirs.

I hated my parents so much for what they did to me. I couldn’t let go of it. I thought within myself that maybe because they are poor, that’s why they divorce. I made a promise to myself that I must take revenge on my life by being rich. But the agony and madness of me not going to forgive my parents is still there.

January 2018, I lost my mother. Three days to her death, she asked me for forgiveness. But because I was still angry with her, I couldn’t forgive her till she died. This compounded my agony. I kept asking and blaming myself why I didn’t forgive her. Now I feel tormented.

Unforgiveness is a poison to the soul. These days, it is very rampant. The grudges many people abhor is eccentric. We live in a world where siblings are keeping malice with each other. This is why we have many broken homes.

Though there are some situations that are very difficult to let go, it makes no sense to hold on to what doesn’t add value to your life.

Power of forgiveness.

Everyone has a story to tell. People will definitely offend you in so many ways but it’s not enough to hold on to it. The more you hold on to it, the more you remain bitter.

Although forgiveness is a choice, it is freedom. We are created in such a way that anytime we abhor someone in mind, we are tormented.

But forgiveness is an active process in which you make a conscious decision to let go of negative feelings whether the person deserves it or not.

As you release the anger, resentment, and hostility, you begin to feel empathy, compassion and sometimes even affection for the person who has wronged you.

Studies show that some people are just naturally forgiving. Consequently, they tend to be more satisfied with their lives and have less depression, anxiety, stress, anger, and hostility. But people who hang on to grudges are more likely to experience severe depression and post-traumatic stress disorder, as well as other health conditions.

According to a survey by the Nonprofit Fetzer Institute – ”62 percent of American adults say they need more forgiveness in their personal lives.”

I have no idea of what you are going through, let go if it brings nothing but bitterness. It’s for your own good. Life is a gift.

Live it.

The Injustice Against the ORide/OPay Rider

0

The misuse of power on an Opay rider.

Everyone prays for a good life every day because life without money could be frustrating. They say money is power, while some believe that money without power is meaningless. Some also compare money with power but I think they are wrong.

 The rate at which power is being abused in Nigeria is unglorifying. Especially amongst the forces – soldiers, police, FRSC and VIO.

Imagined, I ordered an Opay ride through the App two days ago. On our way, we met a VIO who stopped us for inspection. We respectfully obeyed and tried to park at the other side of the road as we are in the middle.

The next he did was to start dragging the bike. Maybe he felt we wouldn’t comply. I got upset and shouted at the manner in which he had treated the Opay rider.

He demanded his particulars which he gave him. After going through, the next he asked was for his driver’s license. A bit strange to me though. I had no idea if Okada riders do use the driving license.

The Opay rider said it’s Okada permit they do issue and not drivers license. I thought as much also. But that never solved the matter as he grabbed his keys and drove the bike into their office.

I frowned at the greatest height of injustice, so I followed the Opay rider to the VIO office across the road.

On getting to their office, he was issued a fine ticket – 30,000 naira.

I had no idea what his offence was actually. The Opay rider went to one of the senior officers and pleaded. He reduced it to 5000 naira.

The most annoying part was a lady that was arrested for an expired document that same day. All she did was to put a call through. She was freed without paying a dime. This was because she put the VIO senior officer through on a call. It’s glaring he was talking to an important personality from the way the VIO senior officer was responding. 

This hurts me in the manner the common citizens are being treated. There’s too much of an abuse of power at every sector.

 That’s why I wrote about the state of education in Nigeria in one of my articles. We get everything through connection. It makes those working hard to be discouraged. Instead, they opt for a short cut.

According to Mayur Sharma, he said he’s been asking himself lately; ”before stepping out of our childhood, we are made to think that money is power. As we near completing teenage, we realized that money itself is not the power but it has the power to buy power. Power buy power. Once you step out into the real world all on your own and if you start thinking freely and fearlessly, you realize that there is something more than power existing in the real world, something that is more than power and cannot be bought by money.”

 He continued: ”Wealthy people dream of it and powerful people fear it. That’s called ’Respect’. In this thought – Real power is not something that can be bought by money or achieved by hard work, instead, it’s something that can only be earned with respect; respect of your own and that of others, I mean the majority of others.”

 Although power is good, I plead with everyone in a position of power to tread with caution.

As Ben Ramedani would always say – be human in everything you do. 

Lagos Needs This Code

4
A school bus and other vehicles travel on a partially shadowed East Lombard Street, Tuesday, July 2, 2019, in downtown Baltimore. (AP Photo/Julio Cortez)

With 25,000 students and United States’ highest transportation costs, by school district, the Boston Public School District needed a better way to get kids to classes. They turned to an algorithm to route the school buses. Simply, a team of researchers wrote a code to optimize school bus routes, helping the public school system save $5 million.

With no clear vendor to turn to with this problem, BPS instead sought out experts, hosting a competition where researchers could experiment with anonymized BPS data sets to create efficient routes and optimal start times for each school

[…]

So the team worked to swap the start times of high schools with elementary schools in the district, and optimize the start times based on route feasibility, teen health, parent preferences, and equity. Their school start time algorithm explored the tradeoffs to different start times, and found a balance point between all considerations. If it had been deployed, it would have changed the number of teenagers with early high school start times from 74 percent to just 6 percent.  

I am very confident that Lagos needs that type of code for the public transportation network, and (who knows) the privately-run danfo, molue and taxis. But a code for Apapa Port may have to come first for trucks entering and exiting the nation’s largest port terminal. Software can “eat” most of the paralyses in Nigeria.

Boston did not award any contract – it simply opened a competition and asked the geeks to submit codes and test with anonymized city data. May the best code win. The best won and Boston is keeping $5 million yearly as saving. Nigeria needs to open fixing Apapa gridlock to our techies to help. I promise you that our young people will fix that problem immediately if the big people can just make way!