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.

73% of Nigeria's unbanked adults unlikely to have the required ID to open a Tier-3 bank account.

National identity numbers for all

1
The poorer you are, the less likely you are to have an ID.

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.

2
Women, likely to be farmers or traders, living in rural areas are most vulnerable.

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.

3
Identity is just a start.

Having ID does not make these groups formally included, but transitioning into formal inclusion is dependent on it.

News & announcements

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 […]

Funding challenges Policy/Regulatory gaps Service delivery

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 […]

Enrolment barriers Funding challenges Policy/Regulatory gaps Service delivery

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 […]

Enrolment barriers Funding challenges Policy/Regulatory gaps Service delivery

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 […]

Enrolment barriers Gender

November 9, 2022

Inclusion 4 All / Inclusion for all

world Nigeria

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.

Enrolment barriers Gender

November 9, 2022

Inclusion 4 All / Inclusion for all

world Nigeria

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.

Enrolment barriers Funding challenges Gender

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