“In 2026, Nigeria’s fintech regulators are prone to deepen help for interoperable QR and instantaneous funds switch at service provider factors of acceptance.” – Emmanuel Ojo

Prediction

In 2026, Nigeria’s fintech regulators are prone to deepen help for interoperable QR and instantaneous funds switch at service provider factors of acceptance. A key carrot for retailers and retailers can be decrease transaction charges.

Supporting Proof

Instantaneous funds switch utilization at service provider acceptance factors has grown by over 30% year-on-year and is accelerating. Customers are steadily shifting to account-to-account funds, which more and more threaten card-based transactions inside service provider options.

Threat Issue

A regulatory pivot, similar to coverage adjustments that rebalance incentives, may gradual or reverse this trajectory, encouraging a extra diversified mixture of fee strategies. Overreliance on a single rail additionally raises ecosystem threat, which regulators could search to mitigate.

Who’s Emmanuel Ojo?

Emmanuel Ojo is the chief government officer and managing director of Redtech Restricted, the place he leads the corporate’s strategic enlargement into monetary expertise. He has over 20 years of expertise throughout telecommunications, monetary companies, company finance, mergers and acquisitions, capital markets, and investments.

At Redtech, he has helped construct out the corporate’s fintech and power expertise enterprise strains, strengthening operational buildings and supporting the launch of recent services and products for purchasers in Nigeria and throughout Africa.

Earlier than becoming a member of Redtech, Ojo was the chief government officer of Chamsswich, the place he led the corporate by a interval of progress, increasing its product portfolio and upgrading its expertise infrastructure.