What is the official website of the payment service?
https://www.fcmb.com
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Where can I find the customer support contacts?
Customer support contacts are available at the bottom of the homepage under "Contact Us" and in the "Help Center."
What is the hotline phone number?
+234 700 329 0000
Is there a toll-free support number?
FCMB does not publicly offer a toll-free hotline; calls to their main number may incur standard charges.
What is the email address for technical support?
Are there separate emails for different types of inquiries?
While a general support email is provided, specialized departments typically use dedicated addresses listed on the website.
Where can I find the online chat support?
Online chat support is available via the FCMB mobile app and through the website's "Help Center" section.
Does the chat support work 24/7?
Chat support is generally available during regular business hours, not 24/7, except for limited automated responses.
Is there support through messengers (Telegram, WhatsApp)?
FCMB provides WhatsApp support at +234 909 696 4404; Telegram support is not widely indicated.
What are the support working hours?
Support is available Monday-Friday 8:00-5:00 and often on Saturdays from 8:00-12:00. Some channels may have extended hours.
Does support work on weekends and holidays?
Limited weekend hours may apply; holiday support availability depends on local operations and may be reduced.
Are there regional offices for in-person visits?
FCMB operates physical branches throughout Nigeria for in-person customer service.
Where are the physical offices located?
Offices are located across Nigeria in major cities; addresses are listed on FCMB’s website branch locator.
Can I schedule a personal meeting?
Personal meetings can be scheduled at local branches, usually by contacting customer service or visiting in person.
Are there representatives in different countries?
FCMB primarily operates in Nigeria; no overseas representative offices are publicly disclosed.
In which languages is support available?
Customer service is provided mainly in English; support in local Nigerian languages may be available at branches.
How quickly does support respond to requests?
Hotline and chat typically respond within minutes to hours; email responses may take one to two business days.
Is there a priority system for VIP clients?
VIP and private banking clients often receive dedicated relationship managers and prioritized support.
Can I request a callback?
Callback requests can be made via the website or customer service channels; processing time varies by demand.
When was the payment service founded?
FCMB was established in April 1982.
Who is the founder and owner of the service?
FCMB was founded by Otunba Subomi Balogun; it is owned by FCMB Group Plc.
In which country is the company registered?
Nigeria
What is the development history of the payment service?
FCMB began as City Securities Limited in 1977, transitioned into commercial banking in 1982, and expanded digitally and regionally over the decades.
Have there been major updates or rebranding?
FCMB has undergone several branding refreshes and digital banking upgrades, particularly in the 2000s and 2010s.
Who sits on the company's board of directors?
The board includes key executives such as Ladi Balogun (Group CEO), Yemisi Edun (Managing Director), and other seasoned professionals.
Are there investors or partners in the service?
FCMB Group Plc is publicly listed and backed by individual and institutional investors; partnerships with fintechs and regulators are ongoing.
Does the company participate in stock trading?
Yes, FCMB Group Plc is listed on the Nigerian Stock Exchange.
What is the company's market capitalization?
Market capitalization fluctuates; current details are available on the Nigerian Stock Exchange.
Are there subsidiary companies or branches?
FCMB Group Plc has subsidiaries including FCMB Bank, FCMB Pension, FCMB Microfinance, and others.
What licenses does the payment service have?
FCMB is licensed by the Central Bank of Nigeria to provide banking and payment services.
In which jurisdictions does the service operate officially?
FCMB operates officially in Nigeria.
Are there licenses for cryptocurrency operations?
No official licenses for cryptocurrency operations are publicly disclosed by FCMB.
Does the service comply with AML/KYC requirements?
FCMB complies with Nigerian AML and KYC regulations, requiring identity verification on accounts.
Are there security certificates (PCI DSS, etc.)?
FCMB adheres to PCI DSS and other international standards for payment security.
Has the service undergone security audits?
Regular internal and external security audits are standard practice at leading banks, including FCMB.
Is there insurance for client funds?
FCMB provides deposit insurance as mandated by the Nigeria Deposit Insurance Corporation (NDIC).
Which international standards does it comply with?
FCMB follows standards such as PCI DSS, ISO/IEC 27001, and industry-specific banking regulations.
Have there been any regulatory fines or violations?
No significant public record of major regulatory fines or violations exists for FCMB.
Where can I find real reviews about the service?
Real reviews are available on Google, Facebook, Trustpilot, and app stores like Google Play and Apple Store.
What are the main user complaints?
Common complaints include transaction delays, ATM card issues, and occasional online banking errors.
What do users most often praise the service for?
Users often praise FCMB for its branch network, accessibility, and friendly customer service staff.
Are there issues with fund withdrawals?
Withdrawals are generally reliable; any delays are usually addressed promptly by customer service.
Is the interface convenient according to users?
The mobile and web interfaces are regarded as user-friendly, with clean navigation and practical features.
Are clients satisfied with transaction speed?
Transaction speed is often rated highly for standard banking operations; occasional digital service delays may occur during peak times.
Do users recommend this service?
Users frequently recommend FCMB, especially to Nigerians seeking national banking coverage and consistent service.
How do experts assess the service's reliability?
Financial analysts consider FCMB to be a stable and reliable bank with robust digital infrastructure.
Are there industry awards and recognitions?
FCMB has won awards for customer service, innovation, and banking excellence from Nigerian banking associations.
Does the service participate in payment system rankings?
FCMB regularly features in rankings of top Nigerian commercial and retail banks.
Are there recommendations from financial regulators?
FCMB meets regulatory standards set by the Central Bank of Nigeria, with ongoing monitoring.
What reputation does the service have among partners?
FCMB has a strong reputation with merchant partners and payment processors in Nigeria.
How do they evaluate solution innovation?
FCMB’s mobile banking and tech solutions are positively viewed for their innovation in the Nigerian market.
Are there quality service certificates?
Quality certifications include ISO and local industry awards for customer service and banking operations.
Does the company participate in industry conferences?
FCMB regularly participates in Nigerian banking events, fintech summits, and compliance workshops.
How does the service position itself in the market?
FCMB positions itself as an accessible, innovative, and customer-focused financial institution.
Which fiat currencies does the service support?
FCMB supports the Nigerian Naira (NGN); foreign currency accounts may be available for major currencies like USD, GBP, and EUR.
Are cryptocurrencies supported? Which ones specifically?
FCMB does not publicly offer cryptocurrency support or exchange services.
Is there a proprietary cryptocurrency or token?
FCMB has not issued any proprietary digital token or cryptocurrency.
Can currencies be converted within the service?
Currency conversion is available for foreign currency account holders, subject to CBN regulations.
What exchange rates are used for conversion?
Exchange rates are based on Central Bank of Nigeria official rates and prevailing market rates.
How often are exchange rates updated?
Exchange rates update daily or as specified by the Central Bank of Nigeria.
Are stablecoins supported?
Stablecoin support is not offered by FCMB.
Can exotic currencies be handled?
Handling of less common or exotic currencies may be possible via FCMB’s international banking partners.
Are there currency restrictions in different countries?
Currency accounts and conversion services are subject to regulatory restrictions and CBN guidance.
What types of transfers does the service support?
FCMB supports local bank transfers, international wire transfers, bill payments, and mobile money transactions.
Can transfers be made between service users?
Internal peer-to-peer transfers are supported between FCMB accounts.
Are transfers to bank cards supported?
Transfers to debit and credit cards are generally supported, subject to regulatory guidelines.
Can money be transferred to bank accounts?
FCMB enables transfers to all Nigerian bank accounts and, for certain products, international accounts.
Is bill payment available?
Bill payments (electricity, water, telecom) are available through online banking and mobile apps.
Are recurring payments supported?
Recurring payments can be set up for regular bills via the app or online banking.
Can automatic transfers be set up?
Automatic scheduled transfers are available within the platform for periodic payments.
Is payment scheduling available?
Payment scheduling for future dated transactions is supported online and via mobile.
Are group payments supported?
Group payments may be managed via business or merchant accounts; retail support is generally limited.
Can payment links be created?
Payment link generation for merchants is available, often through partnered fintech providers.
What are the minimum transaction amounts in the service?
Minimums vary by operation; small-value transfers often start from ₦100.
What are the maximum amounts that can be transferred?
Maximum transfer limits are set by CBN, ranging up to several million Naira for verified accounts.
Are there daily limits on operations?
Daily limits exist and depend on account type and verification; business accounts may have higher caps.
What monthly and annual limits are in effect?
Monthly and annual limits are set in accordance with CBN policies and depend on account verification.
Can limits be increased? How?
Limits can be increased after additional verification by submitting documents and requesting via customer service.
Do limits differ for verified users?
Verified users receive higher limits as per regulatory requirements.
Are there restrictions for new accounts?
New accounts may have lower transaction limits pending full verification.
Do special limits apply in different countries?
Transaction limits depend on Nigeria-specific banking and payment laws.
Can operations be temporarily blocked?
Temporary blocks may occur on accounts for suspicious activity, compliance reviews, or at customer request.
Are there limits on the number of daily operations?
Daily transaction count limits may apply, especially to retail accounts in line with CBN guidance.
What are the minimum amounts for account funding?
Minimum account funding amounts vary by channel but can start as low as ₦100.
What methods of funding are supported?
Funding options include cash deposit, bank transfer, POS, mobile money, and card payments.
Are there fees for funding?
Some funding methods incur fees, especially for card-based or international transfers; details are on the tariff page.
What are the minimum funding amounts?
Minimums typically range from ₦100 for local transfers to higher values for foreign currency deposits.
How quickly are funds credited when funding?
Funding is credited instantly for cash deposits and electronic transfers; delays may occur during high-traffic periods.
How can money be withdrawn from the system?
Withdrawals are available via ATM, over-the-counter, electronic transfer, and mobile money services.
Are there fees for fund withdrawal?
Withdrawal fees apply to certain channels (ATM, POS), as listed on the FCMB tariff schedule.
How long does withdrawal take?
Withdrawals are usually processed instantly; interbank transfers may take several hours to next business day.
What withdrawal limits are set?
ATM withdrawal limits are set by CBN and FCMB; higher limits apply to verified business and premium accounts.
How quickly are funds credited when funding with a card?
Card funding is generally instant unless issues arise with the payment provider.
How long does a bank transfer take?
Intra-bank transfers are instant; interbank transfers may complete within a few hours up to one working day.
How quickly do cryptocurrency transfers arrive?
Cryptocurrency transfers are not supported by FCMB.
Are transfers between users instant?
Transfers between FCMB accounts are processed instantly.
Are there delays when funding on weekends?
Some delays may occur with interbank and non-FCMB funding channels during weekends.
Do holidays affect funding speed?
Banking holidays may delay processing of non-automated transfers; automated funds typically process normally.
Can crediting be accelerated for a fee?
Express funding options are limited; funds can be accelerated via select channels for additional fees.
What determines the speed of funding processing?
Processing depends on transaction method, banking hours, regulatory checks, and network reliability.
Are there notifications about funding status?
Users receive SMS, email, and in-app notifications for all credited and pending transactions.
What to do if funding takes too long?
Customers should contact support, provide transaction evidence, and request investigation through official channels.
How quickly are withdrawal requests processed?
Most withdrawal requests process instantly; manual or large withdrawals may require additional time.
How long does card withdrawal take?
ATM and card withdrawals are typically instantaneous, within minutes of the request.
How quickly do bank transfers arrive?
Intra-bank transfers are instant; interbank may vary from minutes to 24 hours depending on processing cycles.
Are cryptocurrency withdrawals instant?
Cryptocurrency withdrawals are not available with FCMB.
Are there withdrawal delays on weekends?
Weekend delays may affect interbank withdrawals; FCMB-to-FCMB withdrawals usually process without delay.
Do holidays affect withdrawal speed?
Holidays can slow withdrawal processing for manual and interbank actions, but automated FCMB withdrawals proceed on schedule.
Can withdrawal be accelerated for an additional fee?
Express withdrawal services may be available for specific scenarios at additional cost.
What determines withdrawal processing time?
Withdrawal time depends on payout method, verification, and network conditions.
Are there notifications about withdrawal status?
Withdrawal status is communicated via SMS, email, and digital banking channels.
Can a withdrawal request be canceled?
Withdrawal cancellations may be possible for pending transactions by contacting support immediately.
How to register with the payment service?
Registration can be completed online, via mobile app, or in-person at a branch, requiring ID and personal details.
What data is needed to create an account?
Required data generally includes name, address, date of birth, phone number, government-issued ID, and photo.
Can registration be done without email?
Registration without email may be allowed, but phone number verification is mandatory.
Is phone confirmation required during registration?
Phone confirmation is required to activate digital banking profiles and accounts.
Are there age restrictions for registration?
Applicants typically must be at least 18 years old to open accounts, per regulatory standards.
Can a corporate account be created?
Corporate accounts are available and require company registration documents, TIN, and authorized signatory details.
Is it required to provide real data?
Real, verifiable personal data and documents must be provided to comply with KYC and regulatory standards.
Are there country restrictions for registration?
Only Nigerian residents or those with qualifying business can open accounts with FCMB.
How long does account activation take?
Account activation usually occurs within minutes to one business day, depending on document review.
What verification levels exist?
Basic, standard, and enhanced verification levels determine account limits and access to full services.
What documents are required for basic verification?
Basic verification needs valid government-issued ID and recent passport photo.
Are documents needed for full verification?
Full verification requires proof of address, ID, utility bill, and other regulatory documents.
Are digital copies of documents accepted?
Digital (scanned) copies are accepted for KYC and verification via online and mobile registration.
How long does the verification procedure take?
Verification is typically completed within minutes to 24 hours; in-person processes may take longer.
Can the service be used without verification?
Some limited features are available prior to full verification; most banking operations require KYC completion.
What restrictions apply to unverified users?
Unverified users face transaction limits, restricted transfers, and limited access to features.
Is address confirmation required?
Proof of address is required for standard and enhanced account verification.
Is a selfie with documents required?
Photo verification, such as a selfie with ID, may be requested for enhanced verification and security.
How often do documents need to be updated?
Document updates are required if information changes or upon request during periodic KYC reviews.
What encryption technologies does the service use?
FCMB employs SSL/TLS encryption for digital channels and complies with international banking security standards.
Is two-factor authentication supported?
Two-factor authentication is offered through SMS OTP and app-based verification for secure access.
Are there SMS confirmations for operations?
SMS confirmation codes are mandatory for key transactions and login security.
Is biometric authentication supported?
Biometric authentication is available in the mobile app for login and certain operations.
Is blockchain technology used?
FCMB does not currently utilize blockchain technology for operations or payment processing.
Is there a multi-level security system?
Multi-layered security includes authentication, encryption, transaction monitoring, and regular audits.
How is user personal data protected?
Data is protected with encryption, restricted access, and compliance with Nigerian data privacy regulations.
Is cold storage used for cryptocurrencies?
FCMB does not handle cryptocurrencies or employ cold storage solutions.
Is there DDoS attack protection?
The bank uses network security and anti-DDoS measures to protect digital banking services.
Are regular security audits conducted?
Regular security audits are performed internally and sometimes by external auditors to check compliance and safety.
What anti-phishing protection measures are provided?
Anti-phishing protection includes user education, email warnings, and web authentication controls.
Is there a suspicious activity detection system?
Automated systems detect suspected fraud and flag high-risk activities for manual review.
How does the service combat money laundering?
AML measures include transaction monitoring, staff training, and KYC documentation checks.
Is there blocking of suspicious accounts?
Accounts flagged for suspicious activity are temporarily or permanently blocked for investigation.
What to do when fraud is detected?
Users should contact customer service immediately, provide supporting details, and follow instructions for resolution.
How to report suspicious activity?
Suspicious activity can be reported via email, hotline, or branch visit; details are provided on the FCMB website.
Is there compensation for damage from fraudsters?
Compensation for losses is reviewed per case according to bank and regulatory policies.
What user rights exist for disputed transactions?
Users can file disputes, request investigations, and receive support following resolution protocols.
How to dispute account blocking?
Dispute account blocking by contacting the support desk and submitting verification and clarification documents.
Is there insurance against cyber attacks?
Bank-wide insurance covers cyber risks; client-specific coverage may depend on account type and terms.
What fees does the service charge for transfers?
Transfer fees are listed in the FCMB tariff guide and vary by method, amount, and destination.
Are there fees for account funding?
Fees apply to select funding methods, especially international and card-based deposits; see official schedule.
Are fees charged for fund withdrawal?
Withdrawal fees are applied to ATM and POS withdrawals, detailed in the bank’s tariff summary.
Are there fees for currency conversion?
Currency conversion attracts fees as per official published terms and rates.
Are there fees for account inactivity?
FCMB does not widely charge inactivity fees on standard retail accounts.
Are there account maintenance fees?
Maintenance fees apply to certain account types and are disclosed in the tariff guide.
Are fees charged for operation cancellation?
Cancellation fees for failed or canceled operations are generally not charged unless specified.
Are there fees for expedited operations?
Express or expedited services may incur extra charges, particularly for large or urgent transactions.
Are there hidden fees?
All fees are transparently disclosed in the tariff guide; customers are advised to review terms before transacting.
How are fees calculated for large amounts?
Large transaction fees are often fixed or percentage-based, detailed in the FCMB schedule.
Are there different tariff plans in the service?
Different tariff plans are available for personal, business, savings, and corporate clients.
What advantages does VIP status provide?
VIP clients get higher limits, priority support, relationship managers, and preferential rates.
How to get preferential conditions?
Preferential conditions are granted based on account type, transaction volume, and eligibility for premium programs.
Are there free operations per month?
Accounts may offer limited free transactions per month; specifics depend on account type.
Are there discounts for active users?
Volume-based discounts and loyalty benefits may be available for high-transaction clients.
Are there corporate tariffs?
Corporate accounts feature tailored tariff plans for business needs and large-volume transfers.
Can individual conditions be obtained?
Individualized terms may be negotiated for high-value or VIP clients; contact a relationship manager.
Do promotional codes work for fee reduction?
Promotional codes and campaigns occasionally provide discounts; details are announced via official channels.
Are there cashback programs?
Cashback incentives may be available through specific bank promotions or merchant partnerships.
Are there discounts for transaction volumes?
Discounts apply to bulk or large-amount payments, especially for business clients.
Is there an official mobile application?
Yes, FCMB Mobile is the official mobile banking app.
On which platforms is the application available?
The app is available for Android and iOS devices via Play Store and Apple App Store.
What functions are available in the mobile application?
App features include balance checks, transfers, bill payment, card management, statements, and support chat.
Does functionality differ from the web version?
Functions are similar; however, app may offer mobile-specific features like biometric login and push notifications.
Is Touch ID/Face ID supported?
Biometric authentication including Touch ID and Face ID is supported for supported devices.
Can the application work offline?
Offline functionality is limited to cached balance views; transactions require internet access.
Are there push notifications about operations?
Push notifications for transaction status and account alerts are supported.
Is dark theme supported?
The mobile app supports dark mode settings.
How often is the mobile application updated?
Updates occur periodically, typically every 1–3 months as new features and security enhancements are released.
Are there beta versions of the application?
Beta releases may be available for select users during major feature rollouts.
Is the web interface of the service convenient?
The FCMB web banking interface is designed for usability, with accessible menus and clear navigation.
Is responsive design supported?
FCMB’s web platform is mobile-responsive, facilitating use across devices.
In which languages is the interface available?
The interface is primarily available in English.
Is there a night mode for the website?
Night or dark mode may be available on the app, but website dark mode is not universally supported.
Are hotkeys supported?
Desktops may feature basic keyboard shortcuts, especially for core navigation.
Can data be exported?
Data such as statements and transaction history can be exported as PDFs or spreadsheets.
Is there an API for developers?
Business solutions may offer API access for integration and merchant services; details on the website.
Is integration with other services supported?
Integration with fintechs, billers, and merchants is supported through API and payment links.
How often is the web interface updated?
Web updates are released as needed, usually quarterly or with major regulatory or feature changes.
Are there virtual cards in the service?
FCMB issues virtual debit cards for online and remote payments.
Can disposable cards be created?
Disposable or temporary cards may be available for online shopping and enhanced security.
Is multi-currency account functionality supported?
Eligible customers can open foreign currency accounts with multi-currency functionality.
Are there investment products?
FCMB offers fixed deposit, mutual funds, and pension products through its subsidiaries.
Can interest be earned on balance?
Interest is paid on certain savings and investment accounts meeting minimum balance requirements.
Are there credit products?
Credit products include personal loans, business loans, mortgages, and credit cards.
Is P2P trading supported?
P2P trading is not promoted as a core service; payment transfers are the primary peer mechanism.
Can cryptocurrencies be bought/sold?
FCMB does not offer cryptocurrency purchase or trading channels.
Is there acquiring for business?
Merchant acquiring services including POS and payment gateway are available for businesses.
Are mass payouts supported?
Bulk payment solutions are available for salaries and large-volume payouts.
Is there a loyalty program in the service?
Bank programs and merchant partnerships offer loyalty benefits and rewards.
How are bonus points earned?
Points may be earned through card usage, specific promotions, or recurring transactions.
Is there cashback for operations?
Certain campaigns and merchant offers provide cashback benefits for eligible transactions.
Are there referral programs?
Referral programs offer bonuses to customers who refer new account-holders.
What privileges do VIP clients have?
VIPs benefit from higher limits, personalized services, exclusive promotions, and priority dispute resolution.
Are there seasonal promotions and offers?
Periodic campaigns celebrate holidays and bank events with promos and special rates.
Can premium status be obtained?
Premium account status is achieved by meeting eligibility criteria or maintaining high balances.
Are there partner discounts?
Special discounts are available with select business partners and merchants.
Are there corporate loyalty programs?
Corporate customers can access tailored reward programs based on transaction volume.
Does the service allow operations with online casinos?
FCMB processes legal merchant transactions, but gambling payments are generally restricted by CBN guidelines.
Are there restrictions on gambling transactions?
Most Nigerian banks, including FCMB, restrict or prohibit gambling-related transactions.
Can accounts be blocked for casino play?
Accounts may be blocked if used for unauthorized gambling activities under regulatory requirements.
How does the service view gambling?
FCMB adheres to CBN’s conservative stance, discouraging gambling transactions and promoting safe banking.
Are there special conditions for gambling?
No special banking conditions are provided for gambling transactions; restrictions apply.
Are casino transactions tracked?
All transactions, including those to casinos, are monitored for compliance and flagged if necessary.
Can operations with gambling sites be hidden?
Transactions are visible on statements; concealment is not supported or endorsed.
Are there notifications about gambling expenses?
Notifications reflect all transaction types; gambling expenses are regular entries unless flagged.
Are there special fees for gambling operations?
No special fees; standard transfer and card transaction rates apply to all legal merchants.
Can limits be set on gambling?
Spending controls can be set at user discretion; bank restrictions may prevent casino payments entirely.
Is there a self-exclusion function?
Self-exclusion features for gambling risks are not standard in banking platforms.
Can access to gambling sites be restricted?
The bank may restrict payments to known gambling sites per regulator direction.
Is gambling expense control supported?
Customers can review statements and set personalized alerts, but dedicated gambling controls are rare.
Are there notifications about limit exceedance?
Notifications occur for limit breaches; users are alerted if transaction thresholds are surpassed.
Can operations with casinos be blocked?
FCMB can block casino transactions if required by law or customer request.
Is there gambling expense statistics?
Customers can access statements and transaction breakdowns to analyze spending, including gambling.
Is a "cooling-off period" supported?
Dedicated cooling-off periods for gambling are not standard bank features.
Can help be obtained for gambling addiction?
FCMB may refer customers to professional organizations, but does not provide in-house counseling.
Is there partnership with player assistance organizations?
Partnership with gambling assistance organizations is not typical for Nigerian banks.
How to set up gambling expense notifications?
Users set transaction alerts via the banking app, covering all merchant spending.
Which online casinos accept this payment method?
Acceptance by online casinos is limited or restricted according to CBN and FCMB policies.
Are there exclusive partnerships with specific casinos?
FCMB does not publicly announce exclusive casino partnerships.
Do conditions differ when used in different casinos?
Terms depend on national regulation and bank policy; restricted merchants cannot process payments.
Are there special bonuses for using this method in casinos?
No special bonuses for casino transactions are currently offered.
Can the method be used for both deposits and withdrawals in casinos?
Casino usage is generally restricted for both deposits and withdrawals by policy.
Are there geographic restrictions for casino usage?
Usage is restricted according to Nigerian law and Central Bank guidelines.
How do casino operators typically process transactions from this method?
Casino operators process transactions in compliance with local and Nigerian banking laws.
Are there typical processing times when used with casinos?
Processing times for permitted merchant payments follow standard bank transfer speeds.
Do casinos usually charge additional fees for this method?
Transaction fees are set by FCMB; casinos and third-party platforms may add their own fees.
Are there any known compatibility issues with major casino platforms?
Payment compatibility is primarily affected by regulatory restrictions rather than technical platform issues.