Picture this. You just received your salary alert from GTBank. That familiar "Ding!" sound on your phone, and the message reads: "Credit Alert: ₦250,000.00." You smile. But here is a question worth sitting with for a second: where exactly is that money right now? It is not inside your phone. It is not inside the GTBank branch on the street. It is not stuffed somewhere in the ATM machine. It exists as a record in GTBank's database. An entry in a system that says: this account holder has this a...

Picture this. You just received your salary alert from GTBank. That familiar "Ding!" sound on your phone, and the message reads: "Credit Alert: ₦250,000.00." You smile. But here is a question worth sitting with for a second: where exactly is that money right now? It is not inside your phone. It is not inside the GTBank branch on the street. It is not stuffed somewhere in the ATM machine. It exists as a record in GTBank's database. An entry in a system that says: this account holder has this a...