It is focused on one thing – bank transfers, fast.” The very services Akinlade implicitly rejected at launch (airtime, data, bill payments) are now central to the product roadmap. For Zap, airtime and bill payments represent low-hanging fruit – high-frequency, low-margin transactions that drive daily app opens and user retention. The Bill Pay pivot, evidenced by the “That’s not all we do” marketing campaign, represents a pragmatic if somewhat predictable concession to market reality. If Paystack can maintain the speed and design elegance that distinguished Zap while integrating bill pay seamlessly, the pivot may prove shrewd.