100,000+ Emailmoni users now, 647,906 Alexa rank. CEO had predicted 100,000 app users in place, 14 months ago. Clever UBA is adapting its online services to the Nigerian new customer base: 60 mil. unbanked people, Smartphone prices coming down. GT bank, for example is in the top ten most popular websites in Nigeria. Emailmoni is in the top 4300. Google Play still shows new reviewers of Emailmoni. So a US Bank with 20-30 branches has a comparable Alexa World Rank with Emailmoni: A new kind of bank. BofA averages about 5000 customers per branch. Another Commonwealth Bank, Barclays: Found customers doing about 24 online transactions per month in 2013. It is one thing to be stuck in the top ten, yet another to be moving on up(?). Effectively, UBA has two separate banking sites, accessed from all over.