HabariPay’s cost efficiency powers GTBank’s ₦6.54bn fintech profit
Guaranty Trust Holding Company Plc’s HabariPay is mirroring its parent’s obsession with cost control, operating at just 30.69% of its income, compared to Hydrogen’s (Access Holdings) 78.66% and Zest’s (Stanbic IBTC) 78.23% in the first nine months of 2025.
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HabariPay’s cost efficiency powers GTBank’s ₦6.54bn fintech profit
Guaranty Trust Holding Company Plc’s HabariPay is mirroring its parent’s obsession with cost control, operating at just 30.69% of its income, compared to Hydrogen’s (Access Holdings) 78.66% and Zest’s (Stanbic IBTC) 78.23% in the first nine months of 2025.
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