Why do banks demand a board resolution to reactivate an account they themselves marked “dormant” simply because you did not transact? Why design hurdles that punish a customer for inactivity instead of rewarding them for loyalty? I see this as a paradox of modern banking. Banks preach financial inclusion while erecting barriers to access. They claim to protect you from fraud, yet what they protect is their bureaucracy. A dormant account is not a risk; it is an untapped opportunity. In modern banking, smart banks treat dormancy as a trigger for engagement, not punishment. They call, they nudge, and they…

Imagine this. You are a director of a mid-sized company. One morning, the security guard calls you in a panic: “Sir, thieves broke in, but they did not touch the furniture or computers. They opened the safe.” You rush to the office. The steel safe stands wide open. But strangely, bundles of cash are untouched. Instead, the robbers carried away files, employee contracts, customer details, supplier bank accounts, and even board minutes. That is the modern burglary. No crowbars, no gunfire, no missing shillings. Yet, the loss is catastrophic. Competitors now know your customer lists. Fraudsters will exploit payroll records.…