Many decades ago, First Bank captured most of the values in the Nigerian banking sector. Then, FBN served as a “central bank”, clearing cheques for other banks. That was before the Central Bank of Nigeria journeyed out of Lagos at scale. Then, Diamond Bank came with its technology, picking mammoth profitability along the line. GTBank took over with its ability to serve formal sector professionals, harvesting the best in the broad middle class. But in 2017-2018, GTBank suffered severe technology paralysis as its tech was just failing. It has since recovered but that opening moved many to Zenith. (You can also add the own-goals!). People, this is the age of Zenith. Today, Zenith Bank is the category king of the Nigerian banking sector.