2025 Nigeria FinTech Survey
How Nigerians Save, Spend, and Bank
1,120+ Nigerians shared how they actually manage their money—from budgeting wins to saving struggles to the apps they trust. Here’s what we learned.
How Are Nigerians Managing Their Money?
In a country where inflation and uncertainty are part of daily life, how do people manage their money? How do they decide what to spend, what to save, and where to put it?
This research was born from a simple curiosity: what does financial discipline look like for the average Nigerian today?
We surveyed 26 people across age groups, genders, and occupations. The goal: understand how they budget, save, and use financial tools—and what role technology could play in making those habits easier to build and stick with.
Here's what's inside
Read the report to learn:
Why most people want to save—but don’t have a system
How Nigerians are juggling 2–3 financial apps at once
The behavioral gap fintechs and banks haven’t bridged
5 key features Nigerians want in a money app
What banks, fintechs, and policymakers should do next
Get a detailed breakdown
Discover detailed statistics from the report, such as:
68% of Nigerians say they budget—but only 35% actually stick to it
44.2% of Nigerians say they usually have money left over to save, while just over a third (36.3%) of Nigerians can only save sometimes, depending on the month.
38% rely on manual methods to track expenses
This isn’t just about awareness—it’s about missing visibility and structure in financial lives.
Who should read this?
This report is aimed at:
Fintech teams building money tools tailored to Nigerian users
Banks developing digital experiences that go beyond transactions
Policymakers focused on financial inclusion and literacy
Designers, researchers, and strategists seeking behavioral insights
This report is for you if you’ve ever asked:
How are Nigerians really managing their money?
Why do people start budgets but stop tracking?
Which financial tools are in heavy use—and which are missing?
What do people actually want in their money apps?
How can institutions support better money habits?
About Column
Column is a B2B communications and research firm that helps founders and institutions translate complex insight into clear positioning. We specialize in research-led content, audience development, and thought leadership—online and beyond.
From public-sector studies to founder brand strategy, we work at the intersection of data, design, and storytelling. Our clients span tech, finance, infrastructure, and professional services—across Africa, Europe, and North America.
Whether it’s a policy brief, a LinkedIn strategy, or an in-house campaign, we help leaders go from insight to influence.