Every 2 out of 3 adults in Nigeria have made a payment on a Moniepoint terminal. That’s incredible reach, but how did that become a reality, especially in a society that’s sometimes described as “low trust”? For Muideen, a Regional & Product Sales Manager at Moniepoint, trust isn’t something you ask for. It’s something you earn in small, meaningful ways, every single day.

MD, as he is fondly called, is the kind of person who will walk into your store, make you laugh, listen to your life problems, fix your POS terminal, and leave you wondering how you ever survived without Moniepoint. That’s how he’s built a reputation as the go-to guy for everything Moniepoint in his community.

The first rule of sales? Be human first 

Muideen doesn’t just sell Moniepoint’s products; he sells peace of mind. His official title is Regional Manager, but he’s fondly called ‘President.’ To him, his role is like running a nation as he has to mediate between business managers, manage escalations, handle customer complaints, and even act as a therapist, coach, and cheerleader for his team.

When he approaches a customer, even before he ever talks about any feature or pricing, he is first joking about something, asking after their children, and even showing up for their daughter’s wedding! According to him, his job requires being present. 

“You can’t lead people from a spreadsheet,” he tells me. “You have to be with them, laugh with them, mourn with them, and show up in ways that matter.” And with loyalty comes trust. His customers don’t just see him as a business manager. They see him as their guy (Nigerian slang for a close friend). 

Let transparency do the talking 

If you ask MD how Moniepoint became one of the most trusted business banking platforms in Nigeria, his answer is simply Transparency. He explains that Nigeria isn’t an easy place to win people over. Especially not when you’re selling digital products to customers who still believe cash is king and banks can disappear with their money.

“When I meet customers, especially market people or first-time users, they tell me, ‘I can’t put my money where my hand can’t touch.’” MD smiles when he says it, not because it’s funny, but because he’s heard it too many times to count.

For MD, he doesn’t believe in trying to convince people with ads or promises. Instead, he lets transparency do the talking. When network glitches happen? MD tells his team to be upfront. If there’s a delay in service? Own it. In a market where many customers have had reasons to be suspicious of digital banks, that honesty has turned sceptics into loyalists. They know they can always depend on Moniepoint.

For example, Mr. John, a businessman, had sworn he’d never bank with a platform that didn’t have a physical branch. But he eventually changed his mind, not because of a slick pitch, but because his friend Kelvin had received a loan from Moniepoint, and swore by Moniepoint’s transparency.

Feedback isn’t just welcome, it’s the blueprint

One thing I loved most about the conversation was how Muideen spoke about the feedback process at Moniepoint. It was a reminder that most of what’s built at Moniepoint didn’t come from guesswork, but directly from people’s pain points and the market.

Every business manager is trained to listen. Every insight from a business owner, no matter how small, gets funnelled upward. And more often than not, it gets implemented.

From my conversation with MD, I realised that’s another reason why business owners stay. When they ask for something, they don’t just hear “we’ll get back to you”. They see it on the platform weeks later.

Success is not just numbers

You’d expect someone in Muideen’s position to talk about growth metrics or expansion strategies. But when I asked him what success looks like, his simple answer was - Financial Happiness. 

He further explained that success meant happiness for not just his customer, but for his team, his friends and his family as well. He wants people’s lives to be better because of something he built, sold, or someone he inspired.

He doesn’t care about the spotlight. He cares that the smile has his team’s name on it.

And when we fast-forward to 2030, he already knows what he wants people to say when they hear “Moniepoint”: He wants people to see Moniepoint as not just a fintech company, but as one that gave them a life upgrade. They should say ‘it’s the one they trusted when they didn’t trust anyone else.’