I have opay app in my phone,which was downloaded with the help of my sister,I hardly used it,but recently the rate at which they called to disturb you in collecting a loan is something else,am not owing nor interested in loans,I think they need to center their calls on dere past borrowers,calling me when am busy and reminding of a loan discount is out of it,they need to do better by focusing on their past borrowers and those who have 1 time interested in it