2025 Nigeria FinTech Survey
How Nigerians Save, Spend, and Bank
A behavioral deep dive into the habits—and struggles—shaping Nigeria’s next generation of financial tools.
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:
46% of respondents have both a savings plan and a budget
38% have never hit a savings goal
Nearly half the respondents either overspend or don’t track spending at all
Many Nigerians use multiple financial apps simultaneously
This isn’t just a financial issue—it’s a visibility gap in personal money management.
Who should read this?
This report is aimed at:
Fintech product teams building local-first saving tools
Banks designing financial experiences for younger Nigerians
Policymakers working on digital financial inclusion
Researchers and designers curious about money behavior in Africa
This report is for you if you’ve ever asked:
How do Nigerians actually behave with money?
What are the common challenges in budgeting and saving?
Which financial tools are Nigerians currently using?
What features do users desire in financial apps?
How can institutions better support financial discipline?aa
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 report, a LinkedIn strategy, or an in-house campaign, we help leaders go from insight to influence.