International records / OpenAlex research

Cross-border digital payments and identity in Nigeria under the AfCFTA

As the African Continental Free Trade Area (AfCFTA) transitions from ambition to implementation, Nigeria stands at the forefront of the continent's digital transformation. Recognised as an AfCFTA Digital Trade Champion and boasting one of Africa's most vibrant fintech ecosystems, leading real-time payment infrastructure and rapidly expanding digital identity systems, Nigeria is uniquely positioned to shape how the AfCFTA Digital Trade Protocol (DTP) becomes a reality. But infrastructure alone is does not guarantee success. This report examines why Nigeria's thriving domestic digital economy ha…