Lagos, Nigeria (VOICE OF NAIJA)- First City Monument Bank (FCMB) has unveiled a major upgrade to its mobile banking application, introducing a rewards programme, investment options, lifestyle benefits and artificial intelligence-powered customer support aimed at enhancing users’ digital banking experience.
The upgrade marks a strategic shift from conventional banking services to a more engaging digital ecosystem where customers can earn benefits while managing their finances.
At the heart of the update is a new Reward Points feature that allows customers to accumulate and redeem points through transactions carried out on the mobile app.
The initiative is designed to encourage digital adoption by linking everyday banking activities to tangible rewards.
The enhanced application also introduces a Regal Premium Lifestyle Subscription, giving customers access to exclusive benefits across travel, dining and entertainment.
New-to-bank customers will additionally enjoy three months of free transfers.
In a move to broaden access to wealth creation opportunities, FCMB has integrated mutual fund investments into the app, enabling customers to invest and grow their savings without the need for separate platforms.
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To strengthen customer support, the bank launched “Chat with Temi,” an intelligent in-app assistant that provides instant responses to customer inquiries and helps resolve issues more efficiently.
Speaking on the development, the Divisional Head of Payments and Solutions, Oladipo Alabede, said the new features were designed to deliver greater value and convenience to customers.
“At FCMB, we are constantly innovating to meet the evolving needs of our customers. These features are designed to provide convenience, reward loyalty and empower our customers to do more with their finances right from their mobile devices,” he said.
As part of its financial inclusion efforts, the bank has also streamlined the process for upgrading accounts from Tier 1 to Tier 2, allowing customers to access additional banking services without visiting a branch.
The upgraded app further enables users to instantly request and activate virtual cards, providing secure and immediate access to online payment services.
According to the Divisional Head of Personal Banking, Adetunji Lamidi, the latest enhancements align with the bank’s broader digital transformation agenda.
“These upgrades reflect our technology-driven strategy to build a smarter, more intuitive banking platform. By integrating intelligent support systems like Temi and enabling instant services such as virtual card activation, we are redefining convenience and accessibility in banking,” he said.
The bank noted that the latest improvements reinforce its commitment to innovation, customer-centric service delivery and digital excellence, positioning the FCMB Mobile App as an all-in-one platform for banking, investing and lifestyle management.
Customers have been encouraged to update or download the application to access the new features and take advantage of the expanded digital banking experience.
