Tunmbi Banto

Software Engineer | AWS Cloud | Mentor and Facilitator at Andela | Tech Writer at @itnex_io | SpeedPay | Cloudsphere Tech |

[Tunmbi Banto @hellotunmbi]

@hey_teenie Happy Birthday Taiwo. You’re Amazingg 🎉🎊

[Tunmbi Banto @hellotunmbi]

@mikefutia Nano

[Tunmbi Banto @hellotunmbi]

@hey_teenie Welcome back

[Ayman Al-Abdullah 🧱 @aymanalabdul]

It's 1994. You're the CEO of American Express.

Visa and Mastercard are eating your lunch. Every bank in America is issuing their cards. Your merchants are revolting over your 3.5% fees (double the competition). You’re also the only card company charging Annual Fees. Wall Street analysts are literally asking if you should exit the credit card business entirely.

Your CFO just walked in: "We're hemorrhaging market share. Cut fees or we're dead in 5 years."

Welcome to the CEO decision that separates $100M companies from $1B empires.

Most founders would've folded.

Cut fees. Strip benefits. Join the race to the bottom. Become another commodity in a sea of plastic.

That's exactly what 97% of CEOs do when competition shows up.

They panic. They discount. They die.

AmEx did something different.

They looked at their data and discovered an uncomfortable truth:

Their best customers didn't give a shit about the annual fee.

They cared about status. Access. Identity. Being part of something exclusive.

So while Visa and Mastercard fought over who could charge less...

AmEx asked: How can we charge MORE?

The board thought they were insane. The analysts called them delusional. The competition laughed.

Then AmEx built what nobody could copy:

• Centurion Lounges that made first class look basic
• Concierge service that could get you into sold-out shows
• Points that actually meant something

A card that clinked when it dropped on the table.

Result?

While competitors raced to zero, AmEx grew profits 15% annually for the next decade.

Merchants WANTED to accept higher fees (because AmEx customers spent 3x more)

Their "dying" credit card business? Now worth $150B+.

The lesson I learned scaling AppSumo from $3M to $80M:

When competition enters your space, you have two choices:

1. Join the race to the bottom (and slowly die)
2. Build something they can't copy even if they tried

At $3M, we panicked every time a competitor showed up.
At $80M, we laughed.

Because competition entering your market isn't a threat.

It's proof you're sitting on something valuable.

The uncomfortable truth most CEOs never learn:

Your job isn't to be cheaper than the competition.
It's to be so different that price becomes irrelevant.

Don't retreat when pressure hits.
Don't dilute what makes you great.
Don't play their game.

Build the moat. Own the mountain.

Because identity beats commodity.
Every. Single. Time.

See you at $100M 🤝

[Tunmbi Banto @hellotunmbi]

@Coach_bukky_ @Coach_Chioma__ Congratulations Bukola. Well deserved 🎉

[Tunmbi Banto @hellotunmbi]

WordPress Web Design Masterclass
Become A Web Designer Pro in 3 Months!

Equip yourself with the knowledge and skills needed to create stunning websites using WordPress.

Training Duration: 8 Weeks (Weekends, Virtual)

https://t.co/d2SJmvyJlV

#training #webdesign

[Youth Growve Africa @youthgrowve_afr]

In starting a business, you have to know how to sell.

[Youth Growve Africa @youthgrowve_afr]

https://t.co/vEaiQJji7z

[Youth Growve Africa @youthgrowve_afr]

https://t.co/CGiYY13Qni

[Benjamin Fernandes 🇹🇿 @Benji_Fernandes]

Every entrepreneur NEEDS to watch this by Brian Chesky of Airbnb.

[JCI Continental Lagos @jcicontinental]

“Mental health is not a destination but a process…”
It is yet another day to celebrate our Mental Health, creating awareness on the need to always take care of it.
It is a universal human right that should be attended to. Don’t leave it unattended to.
World Mental Health Day ‘23

[Viktuer! @Viktuer]

Hello Everyone😊
My first set of prints are available!!!!

Each print goes for 100$

It comes with a certificate of authenticity and we are available to deliver across the globe

The option of framing and dispatch to any part of Nigeria also available.
https://t.co/hvqtl6aA3k

[Tunmbi Banto @hellotunmbi]

@hackSultan @adescode

[Sanwo @generalsanwo]

Day 3&4 learning JavaScript with @freeCodeCamp.
I continued learning JS basics with word blanks, using the string concatenation operator(+) to build a string with variables myNoun, myAdverb, myAdjective, and myVerb. here is my guide and solution, I added space before and after

[Tunmbi Banto @hellotunmbi]

@0x I over-explain most times. Other times, I don’t explain at all depending on whether you’re ready to give me your attention. I demonstrate, I’m happy to give contexts, examples even sketch the scenerio. Just have my time. That’s all

[Tunmbi Banto @hellotunmbi]

Why is it so damn DIFFICULT to reach you guys @ourpaydayHQ

No reply to support email for days.
Twitter DMs take approx 4hrs for each reply.
In-app intercom chat - no response.
Telegram channel - chat is disabled.
No phone number to call.

You guys need to do better

[Tunmbi Banto @hellotunmbi]

My kid bro started learning to code a few months ago. It’s amazing what he has done with html and css.

He began JavaScript recently and he on a 30days of JavaScript journey.

I wish him the best 🔥🔥

Show him some love

[Sanwo @generalsanwo]

1 0f 30days JS tutorial.
I started my JavaScript journey with @freeCodeCamp, so here are what I learned today. I learned about the two types of comments: inline (//) and multi-line comments (/**/), Comments are used to ignore a line of code completely.

[JCI Continental Lagos @jcicontinental]

Want to stay informed about upcoming series or sessions in The Career Connoisseur? Use the link 👇
https://t.co/KTzwbNEo0f

[Tunmbi Banto @hellotunmbi]

Let's talk about how to break into tech

https://t.co/cCsZqY7vyV