If you're moving from a traditional bank's team management system to Kuda Business, you might notice we do things differently. Here's how our Team Banking feature compares to systems like GTBank's GAPs (GTBank Automated Payment System).
The Main Difference: Built for How You Actually Work
Traditional systems like GAPs separate team members by banking process steps:
Uploader - uploads payment files
Reviewer - checks the uploads
Approver - approves the payments
Viewer - can only view
Kuda Business separates team members by their actual job functions:
Admin - full control (you, the business owner)
Accountant - manages finances, can handle multiple accounts
Employee - team members who need access to specific accounts
Viewer - see transactions without making changes
Custom Roles - create any role that fits your business
What This Means for You
More Flexibility
With GAPs, someone can only upload OR review OR approve - never two at once. With Kuda Business, your Accountant can both send money (initiate) and approve transactions, all within limits you set.
Easier Setup
GAPs was designed for large companies with formal separation of duties. We're built for growing businesses. You can give your marketing manager access to just the marketing expense account, without them seeing your main account balance.
Faster Invites
Traditional banks can take 15+ steps to add a team member. On Kuda Business, you can invite someone and set their permissions in about 2 minutes.
Built for Nigeria
GAPs and similar systems were designed when cheques and bank drafts were common. Kuda Business is built for how Nigerian businesses actually move money today - instant transfers alongside cards.
Beyond Just Payments
While GAPs focuses on payment processing, Kuda Business Team Banking covers:
Dashboard and analytics access
Invoice and estimate management
POS account management
Expense account controls
Transfer limits per person
Example: How It Works in Real Life
With GAPs: Your accountant needs to make a ₦200,000 payment. They upload it. Then they wait for a reviewer to check it. Then they wait for an approver to approve it. Three different people, three separate steps.
With Kuda Business: Your accountant can send the ₦200,000 directly if it's within their limit. If it's above their limit (say they can only send ₦100,000), they request approval and any other team member with approval rights can approve it - right from their phone.
Should You Switch?
If you're currently using GAPs or a similar system, Kuda Business Team Banking might be a better fit if:
You want team members to work faster without losing control
You need to give different people access to different accounts
You want to manage everything from your phone
You're tired of rigid, one-size-fits-all roles
Getting Started
Ready to try Team Banking? Open your Kuda Business app and go to More > Manage Teammates to invite your first team member.