Despite Nigeria's emergence as Africa's largest fintech ecosystem, approximately 38 million Nigerian
Since the introduction of information communication technology and the widespread use of the interne
The rapid growth of digital financial services in Nigeria has exposed the need for a standardized re
Nigeria's informal sector accounts for approximately 93% of employment (ILO, 2025; NBS, 2023) and, f
The digital economy has risen dramatically in the global environment, and many developing countries,
The introduction of FinTech into Africa's digital financial services environment has provoked a cont