For any technological innovation, sometimes adoption is instantaneous, depending on the location, while others are adopted slowly. Here in my country, until before the pandemic many people didn't have a bank account, with the pandemic and the government paying benefits people were forced to create their bank accounts. It worked so well that an instant payment system caught on and was adopted en masse.
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The one of the bank is different from this. Yes back then, there's nothing like making transfer for minor items but when they saw that people no longer carry cash because of scarcity, they adopted.
Now regarding this issue, I don't think there is a personal benefit apart from the comfort it gives and Nigerians still don't trust machines a 100% yet