

We want barriers to financial inclusion removed for marginalised Nigerian communities.
Our first priority National Identity Numbers For All
Marginalised Nigerians are more likely to be excluded from the formal economy due to a lack of ID; and the current ID enrolment framework presents barriers that disproportionately disadvantage these groups.

Sadiya’s Story
Sadiya’s Story
Sadiya shares that her SIM registration was done by someone else, and as a result of her lost SIM, linking her NIN to her SIM is not a priority for no...

Rabiatu’s Story
Rabiatu’s Story
Rabiatu from Katsina State in Nigeria shares her experience after the SIM-NIN call restriction on April 4. According to her, the NIN-SIM linkage was d...

Samaila’s Story
Samaila’s Story
Samaila shares his experience before and after the SIM-NIN call restriction on April 4. According to him, access to enrolment centres and the availabi...

73% of Nigeria's unbanked adults unlikely to have the required ID to open a Tier-3 bank account.
National identity numbers for all
The likelihood of the respondents in the 2020 EFInA study owning ID decreased for every percentile (richest to poorest) of the World Bank's Poverty Probability Index category.
73% of Nigeria's unbanked adults identified in the 2020 EFInA survey did not have the required ID to open a Tier-3 bank account - likely to be women, poor farmers, living in rural communities.
Having ID does not make these groups formally included, but transitioning into formal inclusion is dependent on it.
News & announcements

Inclusion 4 All / Inclusion for all
Press Release: Inclusion for all research identifies groups most vulnerable to identity exclusion

Inclusion 4 All / Inclusion for all
BusinessDay Q&A with Head, Inclusion for all.

Inclusion 4 All / Inclusion for all
Press Release: Inclusion for all research links identity ownership to income level
The data and the stories

Gloria Edukere / Inclusion for all
Nigerian Naira Redesign: Informal Groups in a Cashless Economy – The Trust Quotient
A lack of trust in the financial system is a recurring and critical barrier to financial Inclusion. On Episode 8 of Inclusion for all radio, Chinasa Collins-Ogbuo – podcast host and Head of Financial Inclusion for all Initiative, is joined by Titilola Feyijimi – Chief Operating Officer at Ajo Card, an indigenous digital financial platform […]
Gloria Edukere / Inclusion for all
The Nigerian Naira Redesign Series: Effectiveness of the CBN Cash Swap Initiative for Rural Areas
We are concerned about the effectiveness of the CBN Cash Swap initiative due to factors such as the uneven distribution and coverage of agent networks particularly in rural areas. In Episode 7 of the Naira Redesign Series on Inclusion for All Radio, our podcast host Chinasa Collins-Ogbuo is joined by Victor Olojo – President, Association […]
Gloria Edukere / Inclusion for all
The Nigerian Naira Redesign Series: Enabling Financial Inclusion Or Extenuating Financial Exclusion?
On Episode 7 of Inclusion for all radio, Chinasa Collins-Ogbuo – podcast host and Head, of Inclusion for all Initiative; is joined by Professor Olayinka David- West, the Associate Dean of the Lagos Business School (LBS) in Nigeria where she leads the Sustainable and Inclusive Digital Financial Services (SIDFS) initiative, a research, advocacy, and capacity […]
Inclusion 4 All / Inclusion for all
Women, rurality & inclusion – Digital ID as a game-changer
On the 2022 Financial Inclusion Week special podcast episode of Inclusion for all radio – Chinasa Collins-Ogbuo; our podcast host and Head, Inclusion for all initiative is joined by Saude Amina Atoyebi – Head, Kaduna State Social Investment Office. Saude discusses the gender and urban/rural discrepancies in NIN (National Identity Number) enrollment and bank ownership […]
November 9, 2022
Inclusion 4 All / Inclusion for all
Gender, National Identity & Age
Women Over the age of 39 are progressively less likely to own and ID than their male Counterparts and the gender gap expands the older the respondents get indicating that the older the woman is, the less likely she is to have an ID.
November 9, 2022
Inclusion 4 All / Inclusion for all
Gender, National Identity and Poverty
Women are less likely to have ID than men at every level of the World Bank’s Poverty Probability index and the gender gap widens as they get poorer.