Rahoton da Babban Bankin Nijeriya (CBN) ya fitar ya nuna cewa ‘yan Nijeriya sun gudanar da mu’amalolin kuɗi ta wayar hannu wato ‘mobile money’ da suka kai darajar naira tiriliyan 372.14 a shekarar 2025, wanda ya nuna ƙarin kashi 81.26 cikin ɗari idan aka kwatanta da naira tiriliyan 205.31 da aka yi hadahadar su ta wannan hanya a shekarar 2024.
Wannan ci gaba ya samo asali ne sakamakon ƙaruwa a yawan wakilan bayar da sabis da kuma faɗaɗar amfani da hanyoyin kuɗi na zamani.
Wannan na ƙunshe ne a cikin Rahoton Shekara na 2025 na Babban Bankin Nijeriya (CBN), wanda ya tabbatar da cewa adadin mu’amalolin da Kamfanonin Kuɗin Wayar Hannu da aka fi sani da ‘Mobile Money Operators’ ko MMOs suka sarrafa ya ƙaru da kashi 65.77 cikin ɗari, inda ya kai biliyan 28.74 a shekarar 2025, daga biliyan 17.34 da aka samu a shekarar 2024.
Rahoton ya ci gaba da cewa, “a shekarar 2025, yawa da kuma darajar ayyukan biyan kuɗi da MMOs suka samar ta hannun wakilan su da sabbin fasahohi sun ci gaba da ƙaruwa. Yawan mu’amalolin ya tashi zuwa miliyan 28,741.83 daga miliyan 17,337.97 a shekarar 2024.
Haka kuma, darajar mu’amalolin ta ƙaru zuwa naira tiriliyan 372.14 daga Naira tiriliyan 205.31.”
Rahoton ya danganta wannan ci gaba da ƙarin rajistar wakilai, bunƙasar hanyoyin kuɗi na zamani, da haɗin gwiwa tsakanin masu ruwa da tsaki a harkokin kuɗaɗe.
Haka kuma dai rahoton ya nuna cewa zuwa ƙarshen shekarar 2025, Nijeriya tana da kamfanoni 84 masu lasisin samar da ayyukan biyan kuɗi da a Turance ake kira ‘Payment Service Providers’.
Waɗannan kuwa sun haɗa da: Kamfanonin Kuɗin Wayar Hannu (MMOs) guda 8; Kamfanonin sauya da sarrafa kuɗi guda 7; Kamfanonin ‘Payment Solution Services’ guda 10;
Kamfanonin ‘Payment Solution Service Providers’ guda 31.
Akwai kuma Kamfanoni guda 4 masu lasisin haɗa ‘Payment Solution Service Provider’ da ‘Payment Terminal Service Provider’.
Sannan akwai Kamfanonin ‘Payment Terminal Service Providers guda 10’; Super Agents guda 10 da kuma kamfanoni guda 4 masu haɗa lasisin ‘Payment Terminal Service Provider’ da ‘Super Agent’.
Daga cikin Kamfanonin Hadahadar Kuɗi ta hanyar Wayar Hannu da ke da lasisi a Nijeriya akwai OPay Digital Services Limited, PalmPay Limited, Pagatech Limited (Paga), eTranzact International Limited, Chams Mobile Limited, VTNetwork Limited, KongaPay Technologies Limited da Fortis Mobile Money Limited.
Rahoton ya kuma nuna cewa tsarin biyan kuɗi ta hanyar lantarki gaba ɗaya ya ci gaba da bunƙasa, inda darajar mu’amalolin ‘e-payment’ na kasuwancin yau da kullum ta ƙaru da kashi 26.07 cikin ɗari zuwa naira tiriliyan 3,458.77 a shekarar 2025.
Kamar yadda CBN ya bayyana, “wannan ƙaruwa ta samo asali ne daga yadda masu amfani suka fi karkata zuwa hanyoyin dijital, bunƙasar kasuwancin intanet (e-commerce), da inganta kayayyakin more rayuwa.”
Binciken hanyoyin biyan kuɗi ya nuna cewa mu’amalolin ATM ne suka fi samun ƙaruwa, inda suka tashi da kashi 61.94 cikin ɗari zuwa biliyan 1.66.
Haka kuma:
- Mu’amalolin USSD sun ƙaru da kashi 20.89 zuwa miliyan 669.55;
- Mu’amalolin POS kuma sun ƙaru da kashi 19.78 zuwa biliyan 15.66.
Sai dai rahoton ya bayyana cewa yawan mu’amalolin da ake yi ta manhajojin wayar hannu (Mobile Apps), yanar gizo (Internet/Web), da tsarin Direct Debit sun ragu.
Dangane da rabon darajar mu’amalolin e-payment, rahoton ya nuna cewa:
- Biyan kuɗi ta yanar gizo ya mamaye da kashi 56.66%;
- Hadahadar da aka gudanar a tsarin Nigeria ‘Electronic Funds Transfer’ (NEFT) ya zo da 21.62%;
- ‘Mobile Apps’ 11.13%;
- POS 7.78%;
- ATM 2.30%;
- ‘Direct Debit’ 0.41%;
- USSD 0.11%.
A ɓangaren yawan mu’amaloli kuwa:
- Intanet ta kasance ta farko da 44.08%;
- POS 32.71%;
- Mobile Apps 18.04%;
- ATM 3.46%;
- USSD 1.40%;
- NEFT 0.16%;
- Direct Debit 0.15%.
Rahoton ya kuma nuna cewa amfani da cak na ci gaba da raguwa yayin da mutane da kamfanoni ke rungumar hanyoyin biyan kuɗi na zamani.
Darajar mu’amalolin cak ta ragu da kashi 49.78 cikin ɗari zuwa naira tiriliyan 1.84 a shekarar 2025 daga naira tiriliyan 3.66 a shekarar 2024.
Sannan kuma, yawan mu’amalolin cak ya ragu da kashi 57.79 cikin ɗari, daga miliyan 3.53 zuwa miliyan 1.49.
CBN ya ƙara da cewa: “Domin dacewa da sabbin buƙatun tsarin biyan kuɗi, zai haɓaka tsarin ‘e-Cheque’ da kuma biyan kuɗi ta ɓoyayyar lambar QR Code tare da haɗin gwiwar NIBSS.”
Rahoton ya jaddada ƙarin bunƙasa a tsarin hadahadar biyan manyan kuɗi a tsakanin bankuna.
A nasa jawabin, Darakta Janar na GSMA, Vivek Badrinath, ya ce: “Hadahadar kuɗi ta hanyar wayar hannu ya wuce kasancewa hanya ta aika kuɗi kawai, ta zama cikakken tsarin hadahadar kuɗi na duniya da ke sauya yadda miliyoyin mutane ke tafiyar da rayuwar su ta kuɗi. Yawan masu amfani da shi na ci gaba da ƙaruwa, haka kuma darajar mu’amalolin sa na bunƙasa cikin sauri.”
