<ul><li>Access Bank provides multiple transfer options, security features, and beneficiary management. However, app downtime, failed transactions, and slow response time are weaknesses.</li><li>OPay offers fast transactions, a simple interface, and multiple payment methods. Pain points include overwhelming ads, lack of personalization, and security concerns.</li><li>Sterling Bank (OneBank) features easy login options, an intuitive home screen, and an efficient transfer flow. Pain points include limited authorization options and inactive features.</li><li>To improve user experience, these apps should focus on faster transactions, better UI design, and increased transparency in fees and security.</li></ul>

UX Teardown: Money transfer flow in Access Bank, Sterling (OneBank), and OPay

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