Fintech in Nigeria has never been for the faint of heart. The country boasts one of Africa’s most dynamic digital finance sectors, yet it also operates under a regulatory framework that can feel like a moving target. One moment, startups are pioneering new models in lending, payments, or crypto. The next, a sudden policy shift forces them to pivot, restructure, or shut down entirely.
For fintech founders and investors, the real challenge isn’t just innovation—it’s how to navigate regulation as a business strategy. The best fintechs aren’t waiting for regulators to define the rules of the game; they are structuring their businesses to stay ahead of policy shifts while still playing within the bounds of compliance.