@benniearinze the things you mentioned are currently being worked on. We've been battling some of the nastiest set of bugs i've ever seen (which isn't entirely surprising giving that we had to do a lot of completely new things in building ALAT).
Right now, ALAT is focused on the banked (not because we are ignorant of the size of the unbanked market) because its the easier problem to solve. We'll be rolling out our solution for the unbanked in a few releases down the line.
That out of the way, ALAT first and foremost gives 10% interest on savings (not on fixed deposit or any other "fancy" investment, traditional banks offer). If this sounds like something you would like to enjoy, ALAT makes the process of account opening completely paperless and branch-less. ALAT also gives you your first debit card for free (should you decide you need one) and delivers same to you anywhere in Nigeria also for free. It also gives you the ability to set spending limits as well as control what platforms and countries your card can be used.
So, if you have any free 1,000 Naira that you are not using, give it to ALAT and earn 100 Naira minimum