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.
Nasiru Yusuf Ibrahim
The Nigeria Union of Journalists (NUJ), Kano State Council, has called on residents to give maximum support and cooperation to the newly established Multi-Agency Task Force on Drug Abuse in the state.
KANO FOCUS reports that the union also commended the Kano State Government for establishing the task force and appointing Barr. Muhuyi Magaji Rimingado as its chairman.
The NUJ made the call in a communiqué issued at the end of its congress meeting held on Saturday, October 31, 2026, at the Press Centre Conference Hall in Kano.
The congress described the establishment of the task force as an important step towards addressing drug abuse and urged residents to cooperate with it to enable it discharge its responsibilities effectively.
The union’s position comes amid growing concerns over drug abuse and its associated social challenges, particularly among young people.
The congress also urged politicians and other political stakeholders to conduct their electioneering activities ahead of the 2027 general elections in accordance with established rules and regulations.
It called on political actors to shun thuggery, hate speech and defamatory statements capable of undermining peace and unity in the state.
On security and community relations, the NUJ urged the state government to urgently address recurring farmers-herders conflicts to prevent further loss of lives and destruction of property.
It stressed the need for proactive measures to promote peaceful coexistence between farming and herding communities.
The congress further called on the government and relevant agencies to intensify public awareness campaigns on fire prevention and safety, particularly as the harmattan season approaches.
While commending the government’s efforts to revitalise water supply and improve access to potable water in Kano metropolis, the union urged it to extend similar interventions to rural communities.
The NUJ also welcomed the recent cabinet reshuffle by Governor Abba Kabir Yusuf, describing it as a step towards strengthening governance and service delivery.
However, it appealed to the governor to consider appointing a professional from the media industry as Commissioner for Information and Internal Affairs, citing the strategic importance of the ministry.
On road safety, the congress called on traffic regulatory agencies to intensify public enlightenment and road-user education to reduce accidents amid ongoing infrastructure development and increasing traffic activities across the metropolis.
The union also congratulated the NUJ Kano State Council on securing the hosting rights for the forthcoming Media Security Summit, describing the development as a significant achievement for the council and the media industry.
At the meeting, the congress also filled the vacant position of Assistant Secretary with Comrade Mubarak Ismaila Madungurum, a journalist with Abubakar Rimi Television (ARTV), Kano.
The congress concluded with special prayers for departed colleagues and relatives, including Ismaila Garba Gwammja, the mother of the council’s Vice Chairman, Comrade Mustapha Gambo, and the wife of Comrade Dahiru Ibrahim Biso.
It prayed for the peaceful repose of their souls and for Allah to grant their families the fortitude to bear the losses.
The communiqué was signed by the NUJ Kano State Council Chairman, Comrade Sulaiman Dederi, and Secretary, Comrade Hauwa Zaharadeen.
Nasiru Yusuf Ibrahim
Kano State Governor, Abba Kabir Yusuf, has sworn in six newly appointed commissioners, three advisers and 19 permanent secretaries as part of efforts to strengthen governance and improve service delivery in the state.
KANO FOCUS reports that the ceremony followed the confirmation of the six commissioner nominees by the Kano State House of Assembly on October 26, 2026, after completing the legislative screening process.
The newly sworn-in commissioners are Air Commodore Salisu Yusha’u (retd.), assigned to the Ministry of Internal Security and Special Services; Ibrahim Namadi Dala, Investment; Prof. Sani Lawan Manunfashi, Higher Education; Muktar Ishaq Yakasai, Humanitarian Affairs and Poverty Alleviation; Dr Aminu Ibrahim Tsanyawa, Science and Technology; and Idris Garba Mustapha, Special Duties.
In a related development, the governor announced a minor cabinet reshuffle involving the redeployment of two commissioners to different ministries.
Under the new arrangement, Dr Ibrahim Abdullahi Waiya, who previously served as Commissioner for Information and Internal Affairs, has been moved to the Ministry of Youth and Sports Development.
Similarly, Hamza Kachaco has been redeployed to the Ministry of Environment.
The reshuffle leaves the Ministries of Information and Internal Affairs, as well as Solid Minerals and Mineral Resources, vacant pending further decisions by the state government.
According to a statement issued by the Director-General, Media and Publicity, Government House, Kano, Sunusi Bature Dawakin Tofa, the appointments and redeployments are aimed at strengthening government institutions, improving administrative efficiency and repositioning key ministries for effective service delivery.
The governor urged the new appointees to demonstrate dedication, integrity and commitment to their responsibilities, stressing the need to prioritise public interest and contribute to the development of the state.
He also charged them to work collaboratively in advancing his administration’s development agenda and delivering the dividends of democracy to the people.
Gov Yusuf congratulated the appointees and wished them success in their respective assignments.
Ibrahim Khalil
Kano State Governor Abba Kabir Yusuf has redeployed the Commissioner for Information and Internal Affairs, Ibrahim Abdullahi Waiya, to the Ministry of Youths and Sports as part of a cabinet reshuffle involving eight ministries.
KANO FOCUS reports that under the new arrangement, Waiya moves from the Ministry of Information to the Ministry of Youths and Sports, while Hon. Hamza Safyanu Kachako has been transferred from the Ministry of Mineral Resources to the Ministry of Environment.
The reshuffle also assigns new commissioners to several ministries.
Hon. Yushau Soja has been assigned to the Ministry of Internal Security, while Hon. Idris Garba Mustapha will oversee the Ministry of Special Duties.
Similarly, Hon. Muntari Ishaq Yakasai has been assigned to the Ministry of Humanitarian Affairs, and Hon. Ibrahim Namadi Dala will head the Ministry of Commerce.
Other appointments include Hon. Ibrahim Tsanyawa as Commissioner for Science and Technology and Prof. Sani Lawal as Commissioner for Higher Education.
The reshuffle affects eight ministries, with the changes involving both new portfolio assignments and the redeployment of serving commissioners.
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