Building on the foundation of the previous edition, the 2025 edition delivers deeper insight, sharper data, and a new benchmark: the National Payments Scorecard. With expanded coverage of innovation, regulation, and infrastructure, this report examines how players across fintech, banking, and policy are shaping a faster, smarter, and more secure digital payment future.

Nigeria Payments Report 2025 – Summary

Nigeria’s payment landscape has entered a new phase of acceleration driven by the rise of real-time digital infrastructure, growing mobile-first adoption, and the expanding role of regulated innovation.

In just the first half of 2024, internet transfers accounted for over ₦828 trillion in transaction value, underscoring the dominant role of digital rails in everyday financial activity. Mobile apps, embedded finance solutions, and blockchain-based reconciliation are reshaping how value moves, not only faster, but with greater transparency and trust.

The Nigeria Payments Report 2025, produced by Zone in partnership with TechCabal Insights, builds on the foundation laid by the 2024 edition and goes further. It introduces the National Payments Scorecard, a new benchmark framework for evaluating Nigeria’s payment ecosystem across infrastructure, efficiency, reach, and trust.

The report explores emerging technologies, fraud risks, and cross-border opportunities, while also analyzing consumer behavior, payment channel performance, and the role of regulation in enabling more inclusive, resilient financial systems.

As the second edition in Zone’s annual insight series, the 2025 report provides a deeper, more structured perspective for stakeholders looking to understand the future of payments in Nigeria.