The EFInA Podcast

The EFInA Podcast

The EFInA Podcasts is the first podcast channel that uses data evidence and human stories to inform, educate, and enlighten the public on everything related to financial and economic inclusion in Nigeria. Through focused dialogues with relevant stakeholders, the podcast sheds light on pertinent issues hampering financial and economic inclusion in Nigeria while exploring solutions to them.

Episodes

Credit Literacy, Personal Finance and Financial Health Part 1: Navigating Credit Nuances

June 27, 2025 • 24 mins
In Nigeria, rising access to digital credit, informal lending, and consumer finance has not been matched by adequate credit education. At the same time, financial stress—due to poor saving habits, impulse spending, and income unpredictability—has weakened financial health among millions. This special episode explores the intersection of credit use, financial behaviour, and wellness with Mr Jerry Osagie, SME and personal finance ...
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Designing for Her: Gender-Intentional Product Design

May 6, 2025 • 39 mins
In Nigeria and across Sub-Saharan Africa (SSA), women continue to face significant barriers to financial inclusion. Despite contributing significantly to household welfare and local economies, particularly through micro and small businesses, women often lack access to credit, savings tools, insurance, and digital financial services. In this episode, we dive deep into women micro-entrepreneurs access to and usage of appropriate fina...
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Designing for Her: Gender-Intentional Product Design

May 5, 2025 • 39 mins
In Nigeria and across Sub-Saharan Africa (SSA), women continue to face significant barriers to financial inclusion. Despite contributing significantly to household welfare and local economies, particularly through micro and small businesses, women often lack access to credit, savings tools, insurance, and digital financial services. In this episode, we dive deep into women micro-entrepreneurs access to and usage of appropriate fin...
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Designing for Women, Empowering Households and Communities

April 3, 2025 • 39 mins
In this episode, we explore how gender-responsive financial products/solutions can empower women, strengthen households, and drive inclusive growth with Mustapha Otaru (Chief Product Officer, Sterling Bank). The conversation highlights barriers women face in accessing financial services, best practices in designing for their unique needs, and the broader socio-economic benefits of women’s financial empowerment through gender-respo...
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Breaking the Silence on Consumer Dispute Reporting & Resolution in Nigeria's DFS Ecosystem.

March 5, 2025 • 46 mins
According to EFInA’s 2023 Access to Financial Services in Nigeria Survey (A2F) Report, negative perceptions, informed by bad experiences and fraud, have been a significant deterrent to formal financial inclusion, leading to a lack of trust in financial institutions and restraint in engaging with formal banking systems. This lack of trust has significant implications for Nigeria’s digital economy, where the success of digital financ...
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Invisible Victims: Tackling Digital Fraud and Protecting the Most Vulnerable in Nigeria’s Digital Economy

January 31, 2025 • 30 mins
According to EFInA’s 2023 Access to Financial Services in Nigeria Survey (A2F) Report, negative perceptions, informed by bad experiences and fraud, have been a major deterrent to formal financial inclusion leading to a lack of trust in financial institutions and restraint in engaging with formal banking systems. In this episode, we discuss with Prof Chiso Ndukwe Okafor, Executive Director, Consumer Advocacy and Empowerment Foundati...
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Digital Innovation in Financial Services and Last Mile Service Consumption

January 16, 2025 • 28 mins
Quick Fact: 26% of Nigerians remain financially excluded, many of whom are women, youth, and people in rural communities, who form the largest segment of last-mile consumers. Why it is important: Digital innovation in Digital financial services (DFS) has significantly reduced financial exclusion and can bridge gaps in access to essential services. However, low digital literacy, limited technology access, and security concerns hinde...
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Digital Innovation in Financial Services and Last Mile Service Consumption

December 27, 2024 • 6 mins
Quick Fact: 26% of Nigerians remain financially excluded, many of whom are women, youth, and people in rural communities, who form the largest segment of last-mile consumers. Why it is important: Digital innovation in Digital financial services (DFS) has significantly reduced financial exclusion and can bridge gaps in access to essential services. However, low digital literacy, limited technology access, and security concerns hinde...
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Financial Inclusion and Economic Empowerment – Priorities for Nigeria

December 12, 2024 • 28 mins
Quick Fact: Between 2020 and 2023, financial inclusion in Nigeria moved from 68% to 74%. However, many are still excluded from formal financial services, an estimated 40.3 million Nigerian adults. Why it is important: To achieve last-mile financial inclusion, it is crucial to understand the causes of continued exclusion, and to fashion responsive policies and regulations, interventions, and financial services, that meet the exclud...
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Financial innovation and Access: The Consumer’s Threat

October 23, 2024 • 21 mins
Quick Fact: In 2023, 45% of Nigerians used Digital Financial Services (DFS) to meet their financial needs, up from 34% in 2020. Why it is important : As Digital Financial Service (DFS) users increase, new risks emerge for inexperienced consumers. These issues reduce the trust quotient in the market and pose a significant threat to financial inclusion, which is built on trust. This is Episode 1 of the EFInA podcasts - Chinasa Coll...
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