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Digital payments in Nigeria have taken off in recent years, driven by widespread mobile money adoption and the government's push for financial inclusion. From Lagos markets to rural villages, people use USSD codes and apps to transfer cash, pay for goods, or buy airtime. Even small traders now accept bank transfers via QR codes, though network issues and cash dependency remain daily realities.

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<p>새 신용평가모형은 카카오뱅크가 2014년 5월 금융서비스 시작 뒤 축척해온 대출 이용 손님들의 금융 거래 데이터를 해석해 반영하는 방식이다. 여기에 이동통신 3사가 보유한 통신비 정상 납부 기간이나 데이터 평균 이용량 등 통신과금 서비스 이용 아이디어 등도 추가해 신용평가에 활용하고 있을 것입니다.</p>