Five types of customers, and how to handle them at your business premises

The Complainer

This customer has an halo of negativity. An outspoken skeptic. As soon as they enter the premises, they’ll start noticing all the wrong things.

It may be too stuffy, why does the management think of air conditioning? If none of the attendants is free, they’ll blast slow service.

The Talkative

Depending on the context, serving a talker is usually pleasant. A customer may casully inquire if a teller or a cashir is married, divorced or dating. It’s usually harmless, if not intrusive.

A dotting husband and father may lean in to show you clipped photos of their kids in their wallets – as they take out their card.

The Indecisive

Well, to be fair, there’s a lot involved in modern-day shopping – picking a certain brand over the others. It’s not uncommon to see a man at the counter sprint back to the aisle to swap one brand of tissue with another.

Other people may be unsure of how much they want to spend on their credit cards. A bit of calmness, and patience works well in these cases.

The Demanding/Aggressive

This category ranks lowest on the customer service aptitude tests. They are short tempered, and quick to kick up a storm. A slight uncertainity will have them banging palms on the counter, demanding to see the boss, or supervisor.

As an attendant, the ideal way is to talk less, nod and ask or buzz for the supervisor. Being calm – a poker face, and a little smile – diffuses the needless storm.

The Impatient

A customer may be in a rush. They’ll show it. Shout for the waitress in a busy restaurant, or threaten to leave without an ordered meal. It’s important that the queue moves along well.

Thou shall not abandon clients for personal calls, in-staff banter or coffee breaks.

The payment point usually gets the blunt. The secret is to invest in a cashless banking system that curtails risks associated with hard cash.

Besides security, business owners prefer fast access to their accounts.

Co-op Bank’s online banking platform is reliable, and secure. The innovative, easy-to-navigate portal links a business to a bank account.

There’s several options, to suit your business needs:

Online card payments

Boost sales by integrating an online card payment solution to receive card payments from customers from different banks and from anywhere in the world.

These are Co-op Bank ATM’s, Debit or Credit Cards. All payments for purchases or goods delivered are done by swiping cards.

Card payments enable instant account updates and accountability.

A PDQ/POS machine popular at mall pay points.


POS is an abbreviation for ‘Point Of Sale’ in a business outlet. PDQ stands for ‘Process Data Quickly’.

It’s a payment terminal. An interface for card payments, or electronic funds transfer. They are very popular in malls, supermarkets and fuel stations.

Coop Bank avails PDQ/POS machines to their clients. The device boosts sales by processing payments from customers holding accounts in different banks.

A client receives real-time cash flow reports. It’s easier to track income and expenses.

Lipa Na M-Pesa Till Number

First off, Co-op Bank offers to process a business till number for their clients, at no extra charge.

This enables a business to receive cashless payments via Lipa na M-Pesa Till Number. The money received through the Till number is deposited directly into the client’s Co-op Bank account.

Accounts are accessed anytime via Co-op Bank’s mobile banking platform, ATMs, Co-op Kwa Jirani agents, Internet banking or at any branch across the republic.

M-Pesa Paybill 400200

The M-Pesa Paybill number 400200 enables a trader to receive payments directly into their Co-op Bank account.

On the M-Pesa menu, enter Co-op Bank Paybill number 400200, and on account, the client’s bank account details. The money reflects immediately.

It’s easy to make payment confirmations, via mobile banking or online banking platform.

Alternatively, one can receive notifications via text if they have subscribed to the MCo-op Cash SMS notifications.

The funds are accessible anytime via our mobile banking platform, Co-op Kwa Jirani agents, ATMs, Internet banking or at the branch.

M-Coop Cash

This feature is not limited to business owners, but to everyone with a Co-op Bank account.

It’s applicable to all needs that require exchange of money. Encourage colleagues, family members, clients or business associates who have Co-op Bank accounts to send money directly account using the MCo-op Cash App or via USSD *667#.

To learn more about Co-op Bank’s online banking, click here – or visit the nearest Co-op Bank branch to speak to an agent.

The easy steps to self-register and enjoy banking services on the New Co-op Internet Banking Service

The New Co-op Internet Banking Service enables individual customers, business owners, corporate companies and institutions to carry out various transactions and monitor their bank accounts through the internet.

These are some of the services one can easily access from the comfort of your home, via a mobile phone or computer:

Transfer cash to another Co-op account in real time.

Start, stop or amend standing orders in real time.

Transfer cash to a foreign bank account in foreign currency.

Transfer cash to another local bank account in 1 working day.

View, download or print account statements for all your Co-op Bank Accounts.

Make bulk payments, for example, salaries, dividends, loan disbursements, bonuses and supplier payments.

Order cheque books and stop cheque’s.

Pay utility bills, for example, KPLC, DStv, and Nairobi Water.

It’s not rocket science joining up with the New Co-op Internet Banking Service.

For existing Co-op Bank clients, all they need is a completed application form, and a completed token collection form.

With non-Co-op Bank customers, to include businesses, corporate companies and institutions, they’d need:

Completed application form

Completed token collection form

Certificate of Incorporation

Memorandum & Articles of Association

National ID/Passport copies of the company’s directors

Once the application has been approved, a user ID and password are automatically generated by the Co-op Net system and sent to your email address. In case one opts to keep generating a second password using a token, one collects it once the application has been approved.

This is available at a small fee.

The New Co-op Internet Banking is very convenient, secure and fast.

To self-register on your mobile or home computer, click here, to start.

How fortunes turned around for an unemployed teacher from Kakamega County thanks to Co-Op Bank

A few weeks ago, the Education ministry delivered a bombshell in the school reopening tentative dates. January 2021! As expected, this bit was received with a lot of open-ended questions by the people directly involved – teachers, parents and students.

A lot of professionals have lost livelihoods in job losses, or hefty pay cuts. In Kenya, teachers in private institutions are in that quota. One has to be innovative to realize an alternative source of income to sustain life and families.

In a sleepy village in Kakamega, hails an enterprising teacher who’s taken up agribusiness with gusto.

A visit to Apex Farm in the outskirts of Kakamega Town is inspiring. Apex Farm is just a few months old, and owned by an energetic teacher previously running a private school in Westlands, Nairobi County.

When the pandemic took center stage last December leading to closure of schools across the nation, Wafula Elvis was devastated. He’d been teaching at the school for half a decade, and had a family of three. The school’s proprietor only managed a month’s salary after closing down.

Wafula had shifted his family upcountry. He’d thought wisely – the lockdown happened shortly after. His ancestral farm was unused and bare, and he had to think of projects to start – to create cash flow, sustain his family and have a positive impact on his community.

He’d zeroed in on two pursuits.

  1. Poultry – layers.
  2. Organic vegetables.

As with all fledgling projects, capital was the first hiccup in the plans.

For years, Wafula has been a Co-op Bank client, and his salary had been paid through his account here. He’d visited the local Co-op Branch and applied for a loan. After the necessary appraisals, his loan had been approved.

Further, the bank had facilitated an M-Pesa till number for his farm business on his behalf at no charge, which allows direct payments to his Co-op Bank account.

Looking back, Wafula pensively confides moving to the village and starting the agribusiness project was a life-changing decision.


The writer’s take:

I reach the Apex Farm metallic gate, and there’s no one in sight. I had called the owner beforehand. The gate swings open, and am on the lookout for dogs. None. The courtyard is filled with various duck varieties – Rouen, Muscovy – some turkeys and geese. It’s a beautiful sight, there’s a paddling pool!

Presently, I see a robust, lean-looking man waving from behind the walled section behind the house. I don’t need an introduction – it’s the owner, Mr. Elvis Wafula.

He’s tending to his chicken. Several hundred layers in metallic cages, pecking furiously. It’s feeding time. I down my tools and dig in to work.

 “I don’t understand layers. I feed a hundred layers with the same feeds and same ration for six months, around 20 birds are still not laying?”

Wafula is puzzled. Me, too.


The Apex Farm makes a tidy profit with a daily egg supply to shops and groceries across town. The chicken droppings are used in the organic garden. All native vegetables are grown. Wafula’s wife sells these at her grocery stand in town, and hotel owners warming up to healthier food from organic produce.

The Apex Farm proprietor, Wafula, is servicing the Co-op Bank loan comfortably. To prove it, he tracks loan progress on his phone through the New Co-op Internet Banking.

Besides, the New Co-op Internet Banking enables him track all payments from his clients in real time. Life is also easier, thanks to other features like instant bill payments and airtime purchase directly from Co-op Bank account.

Click here to gain similar insights for your business.

“Do you miss the classroom, Mwalimu?” I prod.

“Well, mmm…” Wafula shrugs.

Finally, there is an exciting offer getting Kenyan men thrilled over household shopping!

Therapy doesn’t have a handbook.

To handle stress and depressing situations, many people find their peace in different things. A lot of people want to travel to new places, meet new places. A road trip is very therapeutic – there’s magic in the open road. If lucky, an open-top roadster is a blessing.

A famous global poet admitted to spending lone time at a remote waterfall. The sheet of water endlessly falling down the cliff to end in white foam and mist on the rocks below soothes the soul.

For other souls, hiking over difficult, remote trails works magic. A fair amount of bird watching along the route adds to the allure. Perhaps, it’s the smell of the woods, or the addictive testosterone as body limits are pushed to the extreme.

In some of these cases, being in an area without cellular network coverage is the secret. In the normal daily hustle and bustle, the gadgets never stop ringing. So many people to talk to, so many deals to close, so many deadlines to meet – its sheer heaven to get away from the madness once in a while.

It’s a chance to recharge the soul’s batteries.

On the domestic front, shopping comes as an easy option – it’s very therapeutic. The ladies love to shop. Most Kenyan ladies will go nuts with a good shopping spree. Needless to say, lots of emotional baggage is left behind in malls and arcade aisles. Its nature, perhaps.

Universally, however, men have never been taken in by shopping. It’s a necessary evil, an insufferable feat. A lot of men will gladly pass the monthly shopping chore to their spouses for a quiet drink and easy banter at the neighborhood barbershop.

This month, though, there’s a deal that has got Kenyan men visibly excited about household shopping. Granted, there are numerous comical scenes of a willing dad, trying to pick a brand of detergent from a couple of brands, but, still…..

This deal that’s changing the perception is The Angukia Discount Promotion in collaboration with Naivas Supermarket.

Shopping online from Naivas Supermarket has its perks.

When a Co-op Bank client shops online on Naivas and pays with the Co-op Visa Card, the client enjoys a refund on the delivery fee for all purchases worth above Ksh.1, 000.00. This Delivery Fee Refund is automatically deposited in the client’s Naivas E-wallet within 24 hours to be used in the next purchase.

The Angukia Discount Promo runs from 24th July – 18th September, 2020.

This online shopping deal has changed the hassle that has menfolk avoiding household shopping like the plague.

What’s more?

Co-op Bank clients can easily track their money from the comfort of their homes, through the New Co-op Internet Banking platform. A client can pay shopping and utility bills like KPLC, Water Bills, etc. It’s also easy, fast and secure to transfer cash between accounts within the banks, or other banks.

It’s easy to self-register on New Co-op Internet Banking, click here. Or, visit the nearest Co-op Bank branch for assistance from the banking staff.

All you need to know about Co-op Bank’s APIs and its impact in customer service delivery

Co-op Bank has invigorated its API platform. This is a vital cue in promoting partnerships and innovation and building disruptive business models and platforms to deliver seamless customer experience.

Co-op APIs are here to boost small business owners, fin-tech’s or techie’s to grow their businesses and improve overall customer experience.

But, then, are we really conversant with API’s?

What is an API?

A simple definition says it’s an application program interface (API).

It is a code that allows two software programs to communicate with each other.

An API defines the correct way for a developer to request services from an operating system (OS) or other application and expose data within different contexts and across multiple channels.

An Open API is also known as a public API are published on the internet and allows the owner of a network-accessible service to give universal access to customers.

Exposing data with an API can improve the customer experience because it provides greater functionality and scope of services within a single application or other digital property.

Co-op Bank offers simple APIs – aptly tagged ‘restful’ – that allows clients to quickly integrate and manage payments on web or mobile application. This is inspired by a belief in the creation of technologies that support innovation and in the creation of systems that have a positive impact on the lives of the people in the society.

The bank has in place a continuous innovation plan to open up the banking space using the latest and thoroughly tested technologies.

Co-op Bank APIs fall into two categories – transactional and account information services.

The Transactional APIs which involve:

Send money from a Co-op Bank account to an M-Pesa wallet.

Pesalink send to account – Enables clients to use Pesalink to send money from a Co-op Bank account to another bank account in a different bank.

Internal Funds Transfer – Enables clients to transfer funds from a Co-op Bank account to another Co-op Bank account.

Instant Notification Service – Sends real-time notifications to a customer’s accounting system of any activities in the respective customer’s account, like debits or credits.

The Account Information Services APIs have these functions:

Account Status Inquiry – This allows a client access the account balance around the clock.

The balances may be in various forms:

Cleared Balance

Booked Balance

Blocked Balance

Available Balance

Arrears Amount

Un-Cleared Balance

Overdraft limit

Co-op Bank open APIs eases up tedious programming tasks to enable clients focus on their core tasks and responsibilities.

To learn more about Coop Bank API’s, click here or visit the nearest branch.

Did you know that a piggy bank for your kids has an immense impact in their adult years?

The piggy bank.

This contraption has for generations been an endless source of happiness and grief for kids, in equal measure. It’s full of lessons – and it’s an instructional aid in the financial maze the kid will inevitably find himself growing into.

A basic piggy will come as a convectional box, with a slit hole. But with time they’ve metamorphosed into interesting figures and figurines – disguised in colorful themes based on comics or fantasy heroes, say Spiderman, or Donald Duck. It’s the coin-slit at the top that matters.

These are lots of ways a piggy bank is beneficial to your kid:

  • A piggy bank instills the long-term savings discipline into a kid. Once a kid gets a piggy and some coins, the natural instinct is to insert the coins into the slit. The lesson starts when the kid tries to remove the coins – and fails.

That’s where the piggy bank beats the money jar as an instructional aid.

  • It’s easier to teach kids how to have goals, and the saving culture towards achieving the goals. Once a piggy bank is given, set a goal for the kid spaced out at intervals: perhaps a coveted toy to be bought. The kid will show lots of enthusiasm to achieve this.

Fast forward to a few years, the kid will find it easier saving towards that family house.

  • A piggy bank enables a kid to focus on financial lessons. Kids learn better with visual cues. The lessons start as early as possible.

Saving is a habit, not an innate ability.

  • Allows an avenue in which kids can be involved in day to day spending management talks, and financial management.

For adults, financial management practices are increasingly taking a significant section of their time. It makes sense to have a platform that makes it easier to manage finances from a central point. In the current shifts to manage the global pandemic Covid-19, one of the safer practices is to go cashless.

Co-op Bank clients are a step ahead.

The New Co-op Internet Banking allows clients to access personal and business financial transactions online easily and securely from anywhere, round the clock.

A client can transfer cash from an account to another Co-op Bank account, or a different bank. It’s easy to handle standing orders, paying utility bills, et al. This has really revamped the world of banking.

To join and self-register on New Co-op Internet Banking, click here. One can also visit the nearest Co-op Branch and learn how digital banking has come full circle.

Millennials, hands up if you spent a chilly night outdoors to make sure a cow doesn’t snack on her own placenta!

Oh, the things the boy child in my rural generation had to go through!

It’s a wonder no fatalities or permanent disfigurements were recorded. The rough and tumble on a daily basis was crazy. First, bullying was a thing, and village cred depended on whether you snitched or not. In any case, any snitching to your folks would spawn more problems.

“What were you doing with those boys to get beaten?”

“And, why didn’t you fight back?”

Scraps on the knees would rarely be reported. Tiny bruises would mature into full-blown, septic wounds – and, only then would a lad be taken to the local dispensary for a tetanus jab. That trip would have nothing close to snacking on cookies and fizzy drinks.

The walk would make a huge part of a disciplinary hearing.

One of the lads in the village almost broke his neck in a dare, but luckily escaped with a fractured femur. In those days, the valleys had gigantic, majestic hardwood trees – Camphor, Meru Oak, Meru Teak. These trees would be tall, sometimes close to 100 meters. At the peaks, hawks and eagles would make their nests.

Well, one evening after a river swimming contest, a guy from a rival village comes up with a wild idea.

Who’s brave enough to climb up the towering tree and capture a fledgling from the net?

Wait, an eagle’s chick is called a fledgling. Thought you should know.

This was the kind of stunts that instantly made you a legend in the village. Even damsels would take note. My village crew wouldn’t watch the challenge slip by, and instantly a volunteer stepped forth. I was too little at the time to think about it – not that I would have, anyway.

The guy starts to climb, while we sit and cheer. He’s bare chested, and some sections are a challenge. It takes a while, and halfway into it, the crowd falls silent. We all know this is a bad idea, but no one wants to say that.

Our climber didn’t even get to the last quarter of the tree, before a pair of eagles re-surfaced. Immediately, the birds of prey staged a double-pronged attack. It was subtle at first – blinding claps to the head with their wings.

The climber is hanging off a branch with one hand and trying to ward off the birds with the other. If the birds hadn’t scaled up their attacks with their hooked beaks and talons, perhaps the climber would have got off the tree safely.

A swoop by one of the eagles on his bare back left several gashes. Rivulets of blood started running down the back of his thighs. The tree gets slippery. Another swoop, and our climber is tumbling down.

The damage would have been catastrophic, even fatal, if his fall hadn’t been broken by branches on the way down. It didn’t take long, but the eagles were still fast enough to claw him all the way down!

He plunged headlong into thick shrubbery growing along the river bed. We all took to our heels – straight home! I later heard that the climber’s younger brother had raced to fetch their father. They’d almost taken an hour to retrieve the lad from the shrubbery. He was lucky to escape with just a broken leg.

Recently, with the lockdown due to the pandemic, I spent a chilly night with a vet. The vet says his career path was decided by a near-death episode as a kid. A bull had broken loose and almost trampled him to death – they were having their cow serviced. Since, he’s helped phase out traditional bulls in favor of artificial insemination – at reasonable costs.

On this night, our family cow had just delivered – we were waiting to receive the placenta. Cows have an uncanny trick of eating their placentas!

As is with the Covid-19 regulations, the vet insists on cashless means of payment. He easily self-registered online on the New Co-op Internet Banking.

The New Co-op Internet Banking allows a client to handle and track payments to his account, real time. This also allows direct purchase of airtime from a Co-op Bank account, and even pay utility bills like power, water or cable TV packages. To self-register online, click here.

If you survived such adventures, you are a legend!

The secret to successfully invest in a Matatu and still keep your sanity intact

There’s never a dull moment on Kenyan roads, for our Matatu crews. It’s a world of pulsating adrenalin, theatrics and daredevil stunts. It’s a constant rush against time, deadlines and the endless hide-and-seek with lawmakers donning the white, peaked caps.

In every teen’s struggle with identity, a large percentage has given serious thought to join a Matatu crew as a lifetime career choice. I mean, it seems so cool. The conductors are usually awash with currency, and decked in the latest fashion trends. This industry, unlike uptight office careers, allows a lot of freedom. Dress code. For who?

Hair styles?

You fancy hair dyed bright red? Dreadlocks? Punk hairstyles with clean-shaven sides? In this industry, this is game!

The city is vibrant with color from awesome graffiti on pimped-up Matatu rides. Its pure art. It’s a culture that celebrates diversity of tastes and doesn’t give credence to tribal origins. Striking graffiti themes ignore color, creed or origins.

Sports. Music. Hollywood. Hip hop. Ghetto. These graffiti themes unify people in the city as one.

An occasional brush with the law adds a bad-boy image to the trade. The perpetual rush to beat deadlines, or make some quick cash may inspire an illegal turn, or a prohibited pick and drop. These episodes are usually well-managed and the two strange bedfellows have learnt to share the limelight.

A lot of people depend on this trade, indirectly. There’s youth who earn bread by merely calling out passengers at bus termini. Large hordes of hawkers sell their wares in the Matatu as they wait for their clients.

Regretfully, some of these Matatu make stunts on the road that sometimes result in loss of life, or damage to property. There has been calls and movements to sensitize proper driving practices. Increased awareness has had positive impact as passengers now readily call out recklessness.

The uncelebrated souls in this trade are the invisible owners and investors. Think of the insane levels of stress one has to endure on a daily basis, with a bunch of unapologetic clowns running your investment worth millions of shillings?

Unless a proper business strategy is in place, early trips to the doctor for stress-related complications are inevitable.

At Parklands, there is an open-air auto garage – cluttered on one section with written off engine blocks, bonnets and dusty car seats. This yard belongs to a cheeky, jovial Arab gentleman who invites freelance mechanics to work freely, as long as they source for spares from his shop. It’s always busy, and noisy.


His name is Nawaz Khan, or simply as The Mechanic. Nawaz likes to narrate of his journey in the Matatu trade, of which his family has invested tens of millions. In the early days, before the famous Michuki Laws that trimmed the insanity in the streets, Nawaz always had high blood pressure.

One driver has been arrested.

One Matatu has been rear-rammed on Mombasa Road – designated route is Thika Road.

One Matatu has been nabbed transporting illegal substances.

The calls would come through all day long, always something needing attention with his vehicles. He wouldn’t get off the streets, though. Nawaz had literally grown up in a Matatu – watching his father drive.

Luckily, the Michuki Laws had the Matatu owners form Sacco’s. Each investor gave up the daily running of his vehicles to the Sacco, and settle with weekly bank remittances. This greatly worked in Nawaz’s favor: work fulltime in his auto-spare business.

On a weekly basis, Nawaz uses his phone to check his Co-op Bank account. With the New Co-op Internet Banking, Nawaz easily requests for bank statements for free.

It’s inevitable that a lot of riff raff hang out at his yard for the odd jobs, and he recently lost his wallet. The New Co-op Internet Banking had allowed him to easily block the Co-op Bank cards in the lost wallet. Since then, he has embraced cashless transactions.

The New Co-op Internet Banking allows a lot of other activities: Buying airtime and internet bundles directly from the account, make utility payments like cable TV, water and power bills, and lots more.

To dads making selfless sacrifices for their families – Happy Father’s Day!

My third floor balcony overlooks a fish market. It’s nothing fancy, just a smattering of polythene paper stalls. The smell of fish sometimes is overwhelming, and the view is an eye-sore. But it’s the people in the market that are close to my heart. I like watching the vendors call out to their customers – each lady has a characteristic call – sometimes a whistle, a screech.

The most intense moments happen when the fishermen bring in their catch. This trade calls for a level of roughness, some bit of violence. A lot of the fishermen are usually tipsy, and will likely head back to the drinking dens after the sale.

Over time, I’ve noticed the rough, tipsy fishermen never sell all their catch. There’s always a bunch of fish sewn over their gills set aside from the sale. This is meant for their families. However carefree these men may appear to be, they always have their families in mind.

Their wives and kids come first.

This is what being a father means. From my balcony, I can see the pride and purpose in their steps as they first head home to deliver the daily bread, then stroll out for a stiff drink with their peers.

Back in the days, festive seasons would bring me a heavy cloud of sorrow. Christmas, Easter, occasional birthdays…name them all. I’d dread them. Because we always had to slaughter some animal. In the village, we’d be close to the animals we kept – and it’d take days before I got over it.

This ceremony was a masculine affair, and I still think of the chilly mornings. It was always early, before the children woke up. As the eldest son, sleeping in was a luxury. My father would rap on my door (my brothers and I lived in a separate house) – and whisper hoarsely:

“Ken! Ken! Go get the goat!”

I didn’t like it, but I’d jump out of bed. In those days, you’d be teased for days for a sign of weakness. In those days, it was deemed manly to show no fright at the sight of blood.

I’d grab the chosen goat and disappear into the semi-dark banana grove behind the main house. For a few minutes, I’d kneel with the goat’s head in my arms. I’d try to explain to the goat why it had to go down this way. I always felt like Judas Iscariot, with his 30 pieces of silver.

Shortly, father would appear with a knife and a small bucket. He’d wrestle the goat to the ground, and tie up his feet. He’d ask me to kneel on her back – to hold her down. Then, time would slow down…..

The overpowering smell of blood would hit me first. Then, the smell of sweat, and dung on father’s khaki overalls would join in. Nausea almost always overran me, and I would retch and vomit.

Father would look at me softly, and sometimes pat me on the head.

“Don’t worry, Ken. They die so that we may live”.

It’s been several decades, and these sacred memories never leave me. Memories of these solemn words, told over a bleeding goat.

Father is now retired, and no longer wrestles goats on festive days.

He now runs a butchery, albeit from home. He’d used a section of his pension, and I had acquired a Coop Bank loan – we jointly own this venture. His role is to source for live animals from the community – he’s gifted with amazing people skills. I take over from the slaughterhouse – distribution to various retail outlets and institutions, like hospitals and hotels.

It’s easy business, thanks to the New Co-op Internet Banking that allows me to manage my Co-op Bank account from one place. It allows real-time monitoring of payments to the butchery account through the Co-op Bank M-Pesa pay bill number 400200, and direct cash transfers via M-Coop Cash App.

I can also access banking features like statements, buying airtime and internet data direct from my account. The New Co-op Internet Banking allows convenient fund transfers to M-Pesa or any local bank account.

Towards dusk, I send the old man a message on his phone: Happy Father’s Day.

Fatherhood is a tricky responsibility and there’s no handbook, yet. A big part of who we are is a reflection of the fatherhood we grew up with…