NOVA Bank is a national commercial bank in Nigeria, formerly known as NOVA Merchant Bank. It offers a comprehensive suite of banking services for individuals, SMEs, and large corporations, integrating physical and digital banking through its "PHYGITAL" model[1][3]. The bank targets a broad customer base, focusing on delivering innovative services and deepening financial inclusion[1]. Its unique selling proposition is the seamless integration of physical branches with high-tech digital banking capabilities, providing personalized and efficient services[1].