Nigeria: Why Access Is Not Inclusion

Banking should be as easy and affordable as fast-moving consumer goods to reach Nigeria’s banked and underbanked

In the early 2000s, the arrival of the telecoms companies opened a whole new world of access to telephone services to Nigerians.

Wealthy Nigerians could afford to buy sim cards that cost as high as ₦20,000 ($170) — that excludes the cost of a mobile handset. For the rest of us, we had to go to the nearest kiosk or mom-and-pop shop to make phone calls, paying as much as ₦50 per…


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