A Nigerian bank, which is not relying on bricks and mortar branches, opened for business today.
The BBC's Umar Shehu Elleman in Lagos says the bank is the first of its kind in Nigeria.
Sun Trust Bank, backed by billionaire Aliko Dangote, wants customers to use the internet and their mobile phone.
Money can be taken out of ATMs at no charge.
It does have a building in Lagos, but inside, as Heat Nigeria describes it, the inside resembles an airport departure loung rather than a bank.
It "is completely different, no kiosks or cashiers, signalling a total dependence on technology in its service offerings to the public".
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