Banks etc.:-

Africa's problem is microeconomics at the executive level, when it should be macroeconomics; subsistent-economics at entrepreneur level, when it should be microeconomics. The working class become beggars, looters and eventually cause a revolution because of the turmoil of survival.

Solution to the dire Global Economic Problem is paying-in or sending or giving-out money.

Customers:

The Banking Sector with customers in transaction internationally have no format, the confusion causes distrust - causing bank confusion and losses that scares customers making the banks not to trust each other; if there is no trust there is no credit, then the global economy crashes; because, banks rely on credits and customers rely on cash.

The Format:

MasterCard/ Visa etc. payments

1)    Change currencies:- ₦ to $

2)    Write a letter to Manager of Branch:- e.g.

3)    Fill teller in dollars:-

                                i.            Total in words

                              ii.            Denomination should be changed to $

                            iii.            $1.00 is mostly rejected

4)    First use is  paid in with 80% off your account.

5)  No charges in subsequent use,

     this depends on the regulation where you are.

6)    Available for use online after 24 hours.

7)    Details of the Account should be printed or emailed to the customer and not told verbally believing that the customer wrote it, certain information may be typed-in with an extra coma or in small letters different from the customer wrote.

Banks:

Penalty for banks for slow transactions should be a fee to pay.

Haggling:

Best approach is finding out the true prize from the source, then go and haggle the market considering trans and profit. Keep to that prize, while haggling, until the profit matches trans and 5-10% etc. that you can bear. If it fails walk away.