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USSD Cut-Off Saga – An Inclusion For All Documentary

In May, Nigerian telcos approved the suspension of USSD service access from Nigerian banks due to the banks’ accumulated debt of N210 billion (USD 261.36 million) in USSD fees. This decision might seem like just another business move, but it could have significant consequences for financial inclusion. In a country where 38% of the population […]

Policy/Regulatory gaps

Tabawa’s Story

Tabawa has her NIN and knows how it is well accepted. She highlighted that the older ones in her community do not care about having a NIN because they are not interested in opening bank accounts.  She highlighted that the long queues and poor network are the most challenging issues people have to deal with […]


Joy’s Story

Joy declares that she has a formal ID – the  Permanent Voter’s Card has her means of identification and also used it in opening her bank account. She shares how the cash scarcity adversely impacted the sales of her farm produce.


Shadia’s Story

Shadia shares her awareness of the availability of a range of formal IDs including NIN, BVN, and Voters’ Card. She urges the government to bring the NIN enrollment closer to their community for convenient access and further states that they wouldn’t mind paying a small fee to ensure they get access to original NINs based […]


Rabi’s Story

Rabi shares that women in their 30s and above do not have birth certificates but those in their 20s and below do have their birth certificates in her community. She also highlights that 70% of women in her community have registered for their NIN which they are yet to receive. According to her, the creation […]


Oreoluwa’s Story

Oreoluwa shares her awareness of the different means of identification, and the importance of owning one. She further cites a lack of education and a lack of understanding as why some other women in her community don’t understand the value of owning formal identification like NIN.


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