SmartSaver.NG: Introducing Nigeria first digital saving platform that pays interest

So I was going through a book by George Clason titled the 'Richest Man in Babylon'f savings and the need to earn from your savings. We all crave to be wealthy, but to bring our ambitions and desires to fulfilment, we must be successful with money by using working financial principles. In the words of Algamish "A part of all you earn is yours to keep". Meaning that as you earn, a part of your earnings should be saved. Another inspiring advice from this great man is "Start thy purse to fattening".

A lot of us earn salaries, but surprisingly, even before half the month is gone, all the income may have finished due to expenditures, and then we wonder how we hope to become better. It should be the desire of every employee to one day own a company, or have a chain of businesses to support his/her salary. We all know that there are four types of people in the cash flow quadrant, according to Robert Kiyosaki in his book "Rich Dad Poor Dad",; first, the employee; second, the self-employed; third, the business owner and fourth, the investor.  

Every employee must save a portion of his/her salary in a smart saving plan, if such an employee hopes to become successful, and this is why it is recommended to embrace Nigeria's first indigenous flexible online savings platform, the SMARTSAVER.NG

In his book, the Richest Man in Babylon, if compared to the services rendered by SmartSaver.ng, one can conveniently say that SmartSaver.ng offers you an opportunity to implement the laws of wealth creation.

Firstly, it helps you save. We all know how difficult it is to set aside a part of our earning for savings. A lot of us wish to save, but lack the willpower to make that saving. Here is a solution; Automatically, smartsaver.ng will securely collect your savings target from your debit card or bank account number into your smartsaver.ng wallet on a daily, weekly or monthly basis depending on your savings plan. This savings will fetch you 8% interest, which is a lot better than what conventional Nigerian banks offer. There are no hidden charges, no unnecessary deductions or cost of transactions (COT), no maintenance fee, because the idea behind SmartSaver.ng is to help inculcate a saving attitude amongst Nigerians.

Secondly, it helps you control your expenditures. SmartSaver.ng offers free financial advice and consultation to all intending savers and investors. 

Thirdly, it increases your worth. Just as the third cure to a lean purse in the 'Richest Man In Babylon' which says: 'Make thy gold multiply'. 

SmartSaver.ng offers 8% interest per annum in their Super Savers plan, which is higher than what Nigerian banks offer. According to the Central Bank of Nigeria, all banks should offer at least 30% of the 14% Monetary Policy Ratio MPR, which if calculated gives 4.2% interest to all savings account. However, it is saddening to see most Nigerian banks flouting this order by offering far below that. Despite offering so low, they still charge you for SMS notifications, ATM maintenance fees and other hidden charges. It makes one wonder how banks intend to help those who plan to save. Well, a solution is here. With SmartSaver.ng, you earn 8% interest per annum with their Super Saver Plan, and even up to 30% interest per annum with their Guaranteed Investment Savings (GIS) plan. Wow, 30% sounds too good to be true, but this is real. 

For those of us who have visited banks to enquire about fixed deposit, we would discover that banks offer between 4% to 8% interest for fixed deposit accounts. Even the Treasury Bills by the Federal Government comes at a discount of highest 13.4%.  

This is because all banks are out to make profit. However, the policy behind microfinance banks, though profit oriented, is to help. The fundamental reasons for the establishment of Microfinance Banks in an economy can be said to be for poverty alleviation, assisting the active poor in accumulating productive assets, stimulating savings culture and the disbursement of low interest loans without collateral.

With SmartSaver.ng, your income multiplies. 

Fourthly, it is secured. Yes, this is a crucial part, even advised by the Richest Man in Babylon ' Guard thy treasures from Loss '. SmartSaver.ng uses the highest levels of Internet Security, and it's secured by 256 bits SSL security encyption to ensure that your information is completely protected from any form of fraud. All payments are handled by PAYSTACK and securely warehoused by NDIC insured bank. Also, SmartSaver.ng, as a product of First Capital CMS, has installed multiple tiers of best-of-breed firewall perimeter with stealth capability. Its infrastructure is monitored constantly by Network & Security staff with alerts generated in case of any intrusion attempts to its systems. With payment handled by PAYSTACK and warehousing done by NDIC insured bank, funds are held securely. 

Lastly, flexibility and convenience. With the advent of Fintech and digital banking, which are portmanteaus of financial technology that describe emerging financial services, all transactions can be done securely online without a need to visit the physical location. 

SmartSaver.ng embraces financial technology which reduces the traditional financial methods in the delivery of financial services, via the use of smartphones for mobile banking and investing services. 

According to the PricewaterhouseCoopers ( PwC) Nigeria FinTech Survey 2017 report, there is a growing need for Nigerians to embrace digital banking. 

SmartSaver.ng is the beginning of the beginning. 

To open an account today, visit www.smartsaver.ng

First Capital Financial- Smart Business Solution