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How to Send PayPal Money Online Safely to Nigeria Bank Account Using Xoom

Xoom, a member of the PayPal family guarantees a fast and secure way to send money directly to banks and cash pick up locations abroad. You can even reload phones and pay utility bills in other countries right from your mobile device. Send your PayPal money from the convenience of your computer to friends and family worldwide.

Services rendered by Xoom are:

Instant Bank Deposit
Send your PayPal money to any Nigerian Naira account and it'll be deposited instantly. Banks include GT Bank, First Bank of Nigeria, Zenith Bank, and more. View bank locations

Instant Cash Pickup
Send money to Nigeria, and your recipient can pick up cash at First Bank, Ecobank, Skye Bank, and more. Your recipient needs a valid ID and the Xoom transaction number. View cash pickup locations

Xoom can also be used for recharging a prepaid mobile phone and pay an international bill.

The money sent is deposited immediately at any time of the day. When sending money to Nigeria using Xoom, all the recipient has to do is present a valid ID and the Xoom transaction number at any of the cash pickup locations to receive the money.

Here is How to Send Money from Xoom Website
1. There is a Xoom Refer A Friend Program, which is a great way to earn extra cash simply by telling your friends about Xoom. Xoom allows you to get paid to refer your friends. You both earn $10 Amazon eGift card when your first transfer is $50 or more. Click on this referral link to Sign Up Now in order to benefit from their referral reward on the first transaction.

2. Pick your options, select the amount you wish to send.
3. Enter the location of the receiver.
4. Choose your mode of payment.
5. The money is sent to your recipient's location. The recipient receives money exactly the way you selected either through a bank account or in cash available for pick up.

You can track your transfers with text, email notifications, online access, or reach our very friendly support staff at any time of the day.

Be assured that your financial information is safe with Xoom. They make use of modern technologies to protects your personal data.

You could make deposits directly into the recipient's Nigerian bank account, provided, the bank is supported by Xoom. View bank locations

Supported Countries Include
Burkina Faso
Costa Rica
Czech Republic
Democratic Republic of the Congo
Dominican Republic
El Salvador
Hong Kong
Ivory Coast
New Zealand
Puerto Rico
Russian Federation
San Marino
Sierra Leone
South Africa
Sri Lanka
Trinidad and Tobago
United Arab Emirates
United Kingdom
US Virgin Islands

The Following Factors Determine the Speed
  • Approval and verification by the Xoom proprietary anti-fraud validation system.
  • Availability of funds from the sender's payment account(checking, credit or debit card)
  • Weekend bank processing, local bank holidays and Differences in time zones.
  • The hours of operation of the Receiving Agency.
Be guaranteed that your money will be received otherwise your transaction is refunded in full.  

Reasons Why Banks Are Behind in the Digital Lending Sector

Fintech solution providers are gradually making inroads into the banking and credit institutions businesses as they now offer digital lending solutions that are way faster than those of banks. Only a few taps of the mobile phone, customers are getting decisions on their loan applications in minutes. Though it must be stated that traditional banks and various credit institutions are now filling out mobile lending applications, most of them still put up roadblocks and are generally not up to speed in terms of loan processing.

The process of becoming a lender digitally is no easy feat as it requires a digital overhauling of the traditional banking hall procedures, which are very slow. The challenges of opening a new digital lending platform also abound. The absence of trust in the decisions made by automated means, IT operating functions, and limited access to data are a few of the other challenges.

Research conducted in 2018 shows that most banking and credit companies were buying into the idea of having digital platforms through which their customers could apply for In a digital lending review report for 2019 backed by Meridianlink, it was discovered that there was a significant increase in banks that offered direct lending solutions to their customers. But overall, these offerings were way below par when compared with the offerings given out by the big fintech alternative providers.

In this modern digital era, banks and credit institutions should take a holistic approach when it comes to customer satisfaction by taking them on the journey from the normal banking lending processes to the new world of digital lending. This, though, should not be rushed because research has shown that the transformation from traditional to digital lending is a process that should be done with the aim of improvements coming in over a period of time.

It is essential to point out here that even though digital lending is the new process, it does not completely put aside the essence of human interactions. The digital process is mostly a self-service process, but having a route that is multi-channeled is considered to be the best alternative for most large banks.

In a 2019 lending review of why most banks and credit establishments were coming up short on their digital lending platforms, these key factors were highlighted:
  • Applying for loans still required customers to go to banks
  • Most of the digital lending applications are not what customers expect
  • Banks do not take the customer's desire for functional digital lending processes seriously
  • New digital lending is being put forward by alternative lending firms
  • Extensively collaboration is taking place between organizations and fintech providers
Improvement in the Loan Application Procedure

Banks and lending firms have to improve on their application process through their mobile applications drastically. A survey carried out in a 2019 digital lending review report highlighted the ability of most banks and lending institutions to successfully carry out applications in their numerous branches across the country. It also brought to the fore that 76% of these institutions had an online presence through which customers could apply for loans. More accounts of over $1billion were also opened digitally by customers in larger banks in the year 2018.

The survey also highlighted the fact that only 34% of these financial firms had an app dedicated to mobile loan applications for customers. Applying for a loan on a mobile device in 2019 has significantly risen in comparison to 2018 when it was just 26%. Having one also improved their customer base.

Support for End-To-End Application Processes

Even though most banks and credit unions introduced digital applications to ease the process of customers' loan requests, most of these organizations still lacked the digital capability to effectively support a thorough end-to-end loan application procedure. This was not the same for the big fintech providers as up to 52% of them could adequately provide this support since they focused more on making the online lending process very simple.

The Processing Speed is Paramount

The speed with which other sectors of the economy, such as the tourism and retail sectors make fast decisions with their digital platforms has made it mandatory for banks and lending establishments to follow with similar speed on their digital lending platforms.

A lot of digital platforms still take quite a while when it comes to making decisions about lending money to borrowers who desire speed in decision-making when it comes to processing their loan requests.

This age-long challenge of quick decision making by lending institutions can be tackled through various means. For starters, the bank should be viewed as a digital factory, where customers can be assured of getting loan services at the simple tap of a button on their mobile screens. This helps to make banks more efficient as well as reduce costs, risk, improve the quality of their services, and ultimately increase customer satisfaction.

The era of customers waiting more than a day or even weeks for a decision to be made by banks and other lending institutions on loan requests is no longer acceptable. Customers in fact now demand that such decisions be made immediately, with financial information and other necessities gathered from their mobile phones.

Start Digital Lending Platform from the Basics

There is a lot of talk about robotics, digitization, and automation, but very little about actively pursuing it. Digital banking and lending technology would not be of much use if the routine banking processes that require automation were not efficiently examined and streamlined.

Without taking note of these factors, and using them to revamp their digital lending platforms, most banking and credit lending firms will definitely fall short of meeting up with their set financial goals, becoming less helpful to their customers, and may soon become obsolete.  

8 Best Dating Apps for iOS in 2019

With the popularization of the Internet, it became much easier and more convenient to meet people – all kinds of dating services appear every year. Maybe previously you preferred online video dating, but today, it is better to use dating apps in order to find a loved one. We will show you 8 applications for iOS where you can meet interesting people and find a soulmate.

1. Feeld

This application is for everyone: heterosexuals, gays, bisexuals, and others. Here you can create private and group chats. For registration, you need a Facebook profile, but you can hide your Feeld account from friends. It also doesn't require real names.

2. OkCupid

Here is one of the simplest and free dating applications. It allows you to communicate with other users, get to know each other and make a choice. Despite the fact that a scandal occurred a few years ago when the developers admitted that they combined people incompatible with each other as an experiment, the number of users hasn't significantly decreased.

  •  3. Ashley Madison

The application provides an opportunity to meet people around the world and with those who are near you. It has a "guests" function, allowing you to see who visit your page. And also there is a search filter.

4. eHarmony

This application is considered one of the safest as it requests to complete compatibility questions so that users know in advance about each other and only then decide whether they want to communicate. Everything is simple here: if you understand that you have a lot in common, of course, there is no reason to delay a date.

5. Badoo

The app compares favourably with others by a developed search system. New acquaintances can be found using geolocation filters or the search system based on your personal data. To register, you must pass photo verification, during which the moderators will find out whether the uploaded photo in a profile matches your real appearance. This live filter eliminates most bots and people who like to behave rudely during online dating: accounts of such people quickly block.

6. Tinder

The main difference between this popular dating application and other apps lies in the way it founds a match. You can view profiles on your own or trust the Matchmaker system – it will automatically select user profiles according to the tastes and preferences specified in your profile. In Tinder, users publish not only their photos, but they also share links to Spotify and Instagram, which also affects the choice of a couple. Location and age are two more factors that Tinder considers.

  •  The application tries to select people suitable for these two parameters, but the final result is still more dependent on the external attractiveness of a user.

7. Mamba

The application is a place where love is born. At least, developers describe the service like this, and it's difficult to disagree with such descriptions. There are millions of participants from all over the world, a perfected confidential information protection mechanism, and convenient social elements that allow you to follow the news of your friends and leave comments, as well as to conduct live broadcasts, luring new people and turning online dating into something more serious.


This social platform for africans to  finds a couple in africa depending on the current location, interests, and status of meetings (date, companionship, a joint trip to someplace, etc.). Participants are selected almost instantly, and most importantly, you will not find bots, scammers or cunning people who decide to trick and dishonestly receive money from other users.

There you have it. These are some of the best dating apps right now to find on the app store for your iOS devices.


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