From “Transfer?” to “Tap & Go”: The Evolution of Payment in Nigeria
Not long ago, every transaction in Nigeria ended with the same hopeful question: “Transfer?” It echoed through market stalls, salons, restaurants, offices, and online stores, emerging after agreements were made but before trust was fully formed. It signified a moment of anticipation; pulling out a phone, waiting for network bars, refreshing apps, double-checking account numbers, and holding one’s breath until alerts arrived. It transcended mere payment; it became a ritual of caution, patience, and hope.