yess oooo nor be lie.... Apart from the 3 nationalised banks, PHB (keystone), SPRING (enterprise) and AFRIBANK (main stream), ACCESS took over INTERCONTINENTAL, FCMB took over FINBANK, ECOBANK took over OCEANIC, also STERLING took over EQUITORIAL TRUST BANK (ETB)....... And dis one sanusi wants to make naija a "cashless economy", employment in banks will be greatly reduced