Headlines
Digital Payments Surge in Kano Amid Cash Crunch
Zulaiha Danjuma
The rise of digital payment systems in Nigeria has transformed the way people conduct financial transactions.
KANO FOCUS reports, In Kano, traders in the Hausawa Sabon Titi community have been at the forefront of this shift, embracing digital payment solutions to facilitate their daily business activities.
The introduction of the MoniePoint POS machine has revolutionized businesses in the area. Mr. Kabiru Yahaya, a provision store owner, noted that the cash squeeze prompted him to adopt the MoniePoint POS machine. “Most of our customers prefer to pay electronically, so we had to adapt to meet their needs,” he explained.
Similarly, Yusuf Usman, a bread and tea vendor, reported that 85% of his customers use ATM cards, mobile wallets, or phone transfers to make payments. “The MoniePoint POS machine has made it easier for me to receive payments and make payments to suppliers too,” he said.
Provision Shop at Sabontiti, Kano
Benefits of Inclusive Instant Payment Systems
The adoption of inclusive instant payment systems has not only improved business operations but also enhanced financial security. Mr. Usman noted that the use of digital payments has reduced the risk of robbery and burglary.
Inclusive instant payment systems offer several benefits
Increased financial inclusion: IIPS provides access to financial services for underserved populations, promoting economic growth and development. According to the Central Bank of Nigeria (CBN), the number of Nigerians with access to financial services increased from 36.8% in 2016 to 63.2% in 2020.
Improved economic efficiency: Digital payments reduce transaction costs, increase the speed of transactions, and enhance the overall efficiency of the economy. A study by McKinsey found that digital payments can increase GDP by up to 6% in some African countries.
Reduced risk of cash transactions: IIPS minimizes the risks associated with cash transactions, such as robbery, burglary, and counterfeiting. According to the Nigerian Inter-Bank Settlement System (NIBSS), the value of digital transactions in Nigeria increased by 50% in 2022, reaching ₦10.9 trillion.
Bread seller
Nigeria’s Cash Crunch Drives Digital Payments
Nigeria’s economy has traditionally relied heavily on cash transactions. However, the COVID-19 pandemic and subsequent lockdowns accelerated the adoption of digital banking and inclusive instant payment systems. The government’s efforts to curb excess cash circulation and promote digital payments have further driven the growth of IIPS.
According to data from the Central Bank of Nigeria (CBN), the number of active mobile money agents in Nigeria increased from 10,000 in 2019 to over 1.4 million in 2022.
Challenges and Limitations of IIPS
Despite the benefits of IIPS, there are challenges and limitations to its adoption. Some of these challenges include:
*Infrastructure constraints:* The lack of reliable internet connectivity and electricity in some areas can hinder the adoption of IIPS. According to the Nigerian Communications Commission (NCC), the country’s internet penetration rate stood at 44.6% as of 2022.
*Security concerns:* The risk of cyber attacks and data breaches can deter some individuals and businesses from adopting IIPS. According to a report by KPMG, the average cost of a data breach in Nigeria is estimated to be around ₦2.5 billion.
*Regulatory issues:* The lack of clear regulations and guidelines can create uncertainty and confusion for providers and users of IIPS. According to the Central Bank of Nigeria (CBN), the regulator is working to develop a more comprehensive regulatory framework for digital payments in Nigeria.
Expert Reaction
Dr. Tijjani Ahmed, a Senior Lecturer at the Hussaini Adamu Federal Polytechnic Kazaure and a Research Fellow at the African Center for Tax and Governance, explained that the advancement of digital technology and the introduction of digital instant payments have increased financial inclusion for small businesses.
Dr. Tijjani Ahmed
“Prior to 2015, Nigeria had experienced low financial inclusion, with over 40% of the populace financially excluded,” he explained. Dr. Ahmed noted that this excluded demographics were not just individuals but also businesses that were in need of financial inclusion.
“Largely, the businesses in Northern Nigeria are informal, and one of the requirements in this modern age is to be banked and run a business account,” he said.
Dr. Ahmed added that with the advent of inclusive instant payment services like MoniePoint, the majority of small businesses are now able to be involved in the financial system, making and receiving payments, paying bills, and keeping track of their financial inputs and outputs.
“The Nigerian government has a target to phase out cash transactions by 2030; these digital financial technologies will help this transition, making businesses resilient because without these financial inclusive platforms and no cash, business will die,” he said.
The adoption of inclusive instant payment systems in Nigeria has transformed the way people conduct financial transactions. As the country continues to navigate its cash crunch, the growth of IIPS is expected to drive financial inclusion, improve economic efficiency, and reduce the risks associated with cash transactions. With the increasing adoption of IIPS, Nigeria is poised to make significant strides in promoting financial inclusion and driving economic growth.
As the country continues to evolve and adapt to the changing financial landscape, it is essential to address the challenges and limitations associated with IIPS to ensure its sustainable growth and development.
This story is produced under the Digital Public Infrastructure (DPI) Fellowship of the Media Foundation for West Africa (MFWA) and Co-Develop in partnership with Kano Focus Newspaper online.
Headlines
NAHCON Secures ₦19 Billion Cost Reduction for 2026 Hajj, Pilgrims to Save Over ₦200,000 Each
Mukhtar Yahya Usman
The National Hajj Commission of Nigeria (NAHCON) has announced a ₦19 billion cost reduction for the 2026 Hajj, following a successful negotiation with Saudi service providers and Nigeria’s State Pilgrims’ Welfare Boards.
Chairman of the Commission, Professor Abdullahi Sale Usman, disclosed this while briefing journalists in Kano on the outcome of his recent official visit to Saudi Arabia. He explained that the deal translates to a direct saving of more than ₦200,000 per pilgrim. Nigeria has been allocated 66,910 Hajj slots for the 2026 pilgrimage.
During the visit, NAHCON signed key service contracts with Mashariq Dhahabiyya for Masha’ir operations and Daleel Al-Ma’aleem for transportation. It also secured better accommodation and feeding arrangements in the Markaziyya area of Madinah at competitive rates.
Professor Sale further announced the official fares for the 2026 Hajj as follows:
Maiduguri/Yola: ₦8.12 million
Other northern states: ₦8.24 million
Southern states: ₦8.56 million
He stressed that State Pilgrims’ Welfare Boards must remit 50 percent of the fares by October 8, 2025, while full payments from intending pilgrims are due by December 31, 2025.
“The deadlines are critical to enable early bookings and smooth operations,” he said, reaffirming NAHCON’s commitment to delivering a hitch-free Hajj exercise in 2026.
The NAHCON boss also appealed to the media for sustained support in sensitizing the public, noting that effective collaboration will ensure that the commission achieves its goals for Nigerians
… As Gov. Yusuf Condemns CP Bakori’s Partisan Conduct
… Demands His Immediate Removal for Sabotage, Unethical Behaviour
Kano State Governor, Alhaji Abba Kabir Yusuf, has condemned in the strongest terms the unprofessional and partisan conduct of the Kano State Commissioner of Police, Ibrahim Adamu Bakori, describing his actions as deliberate sabotage against the people of Kano and the Nigerian state.
In a statement issued by his spokesperson, Sunusi Bature Dawakin Tofa, the governor expressed outrage over the sudden withdrawal of police participation from the 2025 Independence Day celebration in Kano — an order CP Bakori issued just hours before the commencement of the event.
Governor Yusuf said the action was a clear demonstration of bias, insubordination, and betrayal of the Nigeria Police Force’s constitutional duty.
“As the Chief Security Officer of Kano State, we cannot tolerate sabotage to the peace, security, and wellbeing of our citizens. It is disgraceful that a Commissioner of Police would descend so low into partisan politics by boycotting a national event that symbolizes unity, patriotism, and democracy,” Governor Yusuf stated.
The governor accused CP Bakori of consistently aligning with political interests opposed to the will of the people of Kano, thereby eroding public trust in the police command. He described the CP as a “political police officer” who has abandoned professionalism and is actively undermining democracy.
“The police must never be seen as tools of politicians. They are expected to protect all Nigerians, regardless of political leanings. Unfortunately, CP Bakori has turned himself into a willing instrument of division and insecurity in Kano State,” the statement added.
Governor Yusuf therefore led the voices of Kano stakeholders who were present at the 2025 Independence Day Celebration at Sani Abacha Stadium, Kofar Mata, in calling on President Bola Ahmed Tinubu to direct the Inspector General of Police to immediately remove CP Bakori from office and replace him with a competent and non-partisan officer who will restore confidence, fairness, and neutrality in policing Kano State.
The stakeholders who joined their voices with that of the Governor included traditional and religious leaders, NNPP members of the state and national assemblies, the business community, youth groups, and labour organizations.
The governor reaffirmed his administration’s commitment to protecting the lives and properties of the people, stressing that no act of sabotage from compromised security officials will succeed in destabilizing Kano under his watch.
He also commended the efforts of other security agencies in the state — with the exception of the police.
Governor Yusuf appreciated the leadership of the state commands of the Nigeria Customs Service, Nigeria Immigration Service, Nigeria Correctional Service, Federal Fire Service, and the State Directorate of Security Services, all of whom participated in the 2025 Independence Parade.
Aminu Abdullahi Ibrahim
Dr. Musa Mohammed Bello, State Focal Person for the African Health Budget Network (AHBN), announced significant progress in a Gavi-funded immunization project implemented in collaboration with the African Field Epidemiology Network (AFENET) across Sokoto, Kano, Bauchi, and Borno states since September 2023.
KANO FOCUS reports that the project has recorded notable reductions in the number of zero-dose children those who have not received any vaccines particularly in Kano, where 15 local governments were identified as high-burden areas.
During a recent review meeting focusing on Kano State, stakeholders assessed successes and challenges related to immunization budget allocation, vaccine supply chain disruptions, cold chain management, and access to immunization services by parents and caregivers.
Dr. Bello commended the Kano State government for consistently allocating above 15% of the budget to health surpassing the Abuja Declaration recommendation but pointed out issues with approval and release of funds that hinder smooth project implementation.
He also stressed the need for Kano State to reduce its heavy reliance on donor funding from partners such as WHO, UNICEF, and the Bill & Melinda Gates Foundation by strengthening local counterpart contributions. Isyaku Lawan Dawakin from Kano State Bureau of Statistics emphasized the value of peer learning activities to close knowledge gaps and boost vaccine outreach.
Dr. Bello further highlighted the strengthening of advocacy and government relationships through the 2023-2024 Accountability Scorecard initiative, which has enabled better communication and cooperation with key government committees on health and appropriation. Evidence-based advocacy built on decentralized immunization monitoring assessments by AFENET has helped identify specific challenges at the local government and health facility levels, informing targeted interventions.
He presented recent data from September 2025 showing high reporting rates from primary health care facilities on routine immunization services via SMS across the targeted local governments, reflecting increased monitoring and responsiveness. The project has fostered deeper understanding of the budgetary process among civil society and health stakeholders, contributing to increased awareness and coordinated action to address zero-dose children.
Crucially, Dr. Bello revealed that Kano State has seen a tremendous decrease in zero-dose children—from over 539,000 in 2020 to around 120,000 by December 2024—attributed to collaborative government and partner efforts.
This achievement underscores the positive impact of strengthened immunization systems, accountability frameworks, and partner coordination in improving child health outcomes across the region.
”This initiative forms part of a broader push to improve immunization coverage and accountability in West Africa, aiming to ensure that no child is left unvaccinated and vulnerable to preventable diseases,” he said.
Isyaku Lawan Dawakin Tofa from Kano State Bureau of Statistics emphasized the value of peer learning activities to close knowledge gaps and boost vaccine outreach.
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