After completing a financial service module that focused on the key influential concepts, principles, practices of the financial service sector as well as Africa continental free trade area $,$ the universal banker and banker of the future provide description of a manager would have used the concepts and principles in a practical, applied way to improve work results, referring to the dimensions and applicable Return on Investment $($ROI$)$ listed below:

$1.$ Financial impact

$2.$ Human development impact

$3.$ Innovation output

$4.$ Technology alignment

$5.$ Alignment with company strategy