Examining SME Owners' Willingness to Submit Personal and Business Documents as a Proxy for Trust and Creditworthiness: The Psychological Collateral Paradigm
SMEs represent about 90% of businesses and more than 50% of employment worldwide.
Central Bank of Nigeria
Central bank · NI · 20 documents
Key number
35%
Absa cloud technology estate transition. International Review of Management and Marketing p.8
Key number
13.3%
SME owners unwilling to provide required bank documentation. International Journal of Social and Educational Innovation p.5
Key number
90%
Share of global businesses represented by SMEs. International Journal of Social and Educational Innovation p.2
Shariah Board Oversight, Supervisory Authority, and Regulatory Frameworks: A Comparative Study of Islamic Asset Management in Nigeria and Malaysia
The study analyzed Shariah governance using a sample of 180 respondents from Islamic asset management institutions in Nigeria and Malaysia.
Regulatory Reforms in Nigeria's Bureau De Change Sector and Exchange Rate Stability: Assessing the Role of the Central Bank of Nigeria
In March 2024, the Central Bank of Nigeria launched a major regulatory overhaul in the Bureau De Change sector, revoking the licenses of over 4000 BDC operators to curb financial malfeasance.
Inflation, Exchange Rate Movements and Cryptocurrency Returns in Nigeria: Evidence from a Structural VAR Model
The paper investigates the dynamic relationships between headline inflation, official naira/US-dollar exchange rate, and returns of five cryptocurrencies using a seven-variable structural vector autoregressive (SVAR) model.
Beyond Access: Digital Payment Activity, Productive Investment and Economic Growth in Nigeria
The study analyzes quarterly time-series macroeconomic data for Nigeria covering 2010Q1 to 2024Q4, comprising up to 60 observations.
Nigerian Jihadists and Bandits Exploit Emerging Fintech
In a March 2025 assessment, the Nigerian Financial Intelligence Unit reported that kidnapping ransom payments increasingly move through mobile-money platforms, PoS terminals, and fintech wallets.
Strategic Planning for AI-Enabled Cloud Business Intelligence in Commercial Banks: Comparative Evidence from South Africa and Nigeria
The research examines how strategic planning connects artificial intelligence and cloud-scale data infrastructure in commercial banking across South Africa and Nigeria.
Reconceptualising Smart Contracts as Sharīah and Legally Compliant Self-Help for Credit Risk Management in Nigerian Islamic Financial Institutions
Islamic Fintech volume within OIC countries was 49 billion dollars in 2020, representing 0.7% of total market share.
Keeping Governance Alive: A Longitudinal Assessment of Data Governance Adoption and Executive Risk Reporting in Fintech Firms in Lagos
The conceptual Governance Sustainment and Risk Reporting Framework (GSRRF) establishes 4 stepping stones to prevent data governance decay in Lagos fintech firms.
Central Bank Digital Currencies, Stablecoins and Monetary Sovereignty: A Theoretical Analysis of Currency Competition and Financial Stability in Emerging Economies
The Central Bank of Nigeria launched the retail eNaira CBDC in October 2021 following a February 2021 directive restricting cryptocurrency transactions in commercial banking.
Management Practices of Regulatory Agencies in Advancing Economic Credit Transactions: Comparative Dimensions
The implementation of regulatory risk-based supervision helped lower Nigeria's banking sector non-performing loans ratio from 34.4% in 2010 to 5.2% in 2023.
The Effect of Fintech Competition on the Profitability of Deposit Money Banks in Nigeria
During H1 2022, 10 Nigerian Deposit Money Banks expended N81.92 billion on ICT, representing a 58.7% rise from 2021 to construct digital channels and connect with fintechs.
Qualitative Inquiry into FinTech Operation in Nigeria: A User Perspective
The study conducted qualitative in-depth interviews with 26 FinTech users across Kano (14) and Abuja (12) to examine digital payment experiences.
Effect of Financial Technology on Financial Sector Development in Nigeria
Nigeria attracted more than $1 billion in FinTech-related investments between 2020 and 2023.
The Impact of Central Bank Digital Currency on Payments Competition
Over 90 percent of surveyed central banks are engaged in some form of CBDC work, with more than half involved in experiments or pilot projects.
Technology Solutions to Support Central Bank Digital Currency with Limited Connectivity: A Review of Existing Approaches
In a 2023 BIS survey, almost all surveyed central banks reported considering offline CBDC payments to be vital or advantageous.
Private Law Aspects of Token-Based Central Bank Digital Currencies
As of late 2023, 94 percent of 86 surveyed central banks were actively exploring CBDCs, moving from research to experiments.
Central Bank Digital Currency Adoption: Inclusive Strategies for Intermediaries and Users
In Nigeria, 98.5 percent of eNaira wallets remained unused one year after launch.
Cross-Border Payments with Retail Central Bank Digital Currencies: Design and Policy Considerations
The framework analyzes cross-border retail CBDC payments across 5 core elements: access, communication, currency conversion, compliance, and settlement.
Central Bank Digital Currency and Other Digital Payments in Sub-Saharan Africa: A Regional Survey
Thirty of the 33 central banks in sub-Saharan Africa responded to the regional survey on digital currencies and payments.