The Central Bank of Nigeria (CBN) has released its inaugural CBN Fintech Report: Shaping the Future of Fintech in Nigeria – Innovation, Inclusion and Integrity, offering a comprehensive assessment of the country’s fintech ecosystem and a strategic roadmap for its continued development.
The report provides the most detailed analysis to date of Nigeria’s fintech landscape, identifying core strengths, emerging opportunities and key reforms needed to sustain innovation while protecting financial stability, consumer trust and system integrity. It reinforces the CBN’s view of fintech as a complementary pillar of the financial system, supporting inclusion, efficiency and long-term economic growth alongside traditional banking.
Developed through extensive stakeholder engagement, the report draws from a nationwide survey of fintech operators, a closed-door technical workshop held in June 2025 and the CBN Fintech Roundtable convened in October 2025. These engagements informed a practical, evidence-based assessment of progress achieved, persistent bottlenecks and priority policy actions required to unlock the next phase of digital financial development.
