Unveiling the State of UX in Financial Apps: Nigeria Report 2025

What Would You Like to See in Your Bank’s App?

This is the question we asked Nigerians across different channels as part of our latest research into the state of digital banking experiences in Nigeria.

With Africa, one of the fastest-growing digital payments markets in the world, and Nigeria, its leading fintech hub, competition amongst banking apps is fierce, and the pressure on financial institutions to innovate, deliver, and stay ahead of the curve has never been higher.

Consumers’ expectations are growing just as fast. Users of today want more than just a functional app - they want an experience. They seek simplicity, speed, security, personalization, rewards, investment opportunities, and more.

"I'd love to have Multicurrency wallets, stocks and investing, crypto trading, lifestyle and entertainment rewards” - anonymous user

So, the challenge for financial institutions of today is - how do we create a delightful app that also balances functionality, security, and ease of use?

“The challenge is I want to run and fly. But I’m the most regulated institution in the world – the bank.” - Chukwudi Ibemere, Head, E-Business, Zenith Bank

This is the central question we set out to explore in The State of UX in Financial Apps Report Nigeria 2025. In the course of this research, we heard from customers, evaluated the top banking apps in the country, and we engaged with our financial partners. We also brought our own unique perspectives – shaped by over 20 years as the backbone of digital payments connecting banks, merchants, agents and consumers in Africa. We painted a clear picture of the current state of UX in Nigeria’s banking apps, highlighting where we are now, where we aspire to be, and the constraints along the way. We also paired these findings with global best practices and practical steps to help financial institutions balance innovation, security, and customer delight.

Our goal with this report is simple: to spark deeper, more frequent conversations about user experience in the fintech space. Gone are the days of “build it, and they will come.” Competition is intense, costs are high, and the onus is on us all to delight our customers while keeping their finances secure. We hope these insights inspire financial institutions to keep innovating, evolving, and finding new ways to serve their customers better.

We take pride in over two decades of leadership as an Africa-oriented, technology-driven company committed to transforming the continent and the world through seamless, secure, and innovative payment solutions.

As part of our many offerings, we help businesses build seamless, user-centric, and engaging financial applications while ensuring every digital experience maintains the highest standards of security and compliance.

The time is now to unlock the next era of digital banking experiences. If you’re ready to build bold, future-ready financial banking apps, we’d love to collaborate.

Download the full report here

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