Unstructured Supplementary Service Data (USSD) allows users without a smartphone or data/internet connection to use mobile banking through predefined codes, also called quick codes. With USSD Banking, you can use your phone to carry out financial transactions using short or rapid codes. There is no requirement for an internet connection; all that is needed is a cellular network. With USSD banking, you may do nearly any kind of financial transaction, from money transfers to airtime purchases. More importantly, loans can be obtained using USSD codes. We wrote this article regarding the USSD code for loans in Nigeria for that reason

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