The shared cars that shuttle between Abuja and Kaduna, two Nigerian cities, carry more than passengers. For a fee they will also carry cash, says Odedele Olusanmi, a driver. On a typical journey he takes five packages, each holding around 20,000 naira ($55). Only two-fifths of Nigerians have bank accounts, which is why some send money this way. Yet an alternative could already be in their pockets.
In the past decade a mobile-money revolution has swept through much of Africa, enabling the unbanked to make transfers, pay bills and save. Half of the world’s 866m mobile-money accounts are in Africa, not counting services which need users to belong to a bank. But not many are in Nigeria, its largest economy and most populous country, with 200m people, where mobile money was used for transactions worth just 1.4% of gdp last year (compared with 44% in Kenya). Four-fifths of Nigerians have never heard of it.
在阿布贾和卡杜纳这两个尼日利亚城市之间穿梭的共用汽车比乘客多。 司机Odedele Olusanmi表示，为了付费，他们仍然会携带现金。 在一个典型的旅程中，他需要五个包裹，每个包裹约20,000奈拉（55美元）。 只有五分之二的尼日利亚人拥有银行账户，这就是有些人以这种方式汇款的原因。 然而另一种选择可能在他们的口袋里。
在过去的十年中，移动货币革命席卷了非洲的大部分地区，使无银行账户的人能够进行转账，支付账单和储蓄。 世界上8.66亿移动货币账户中有一半在非洲，不包括需要用户属于银行的服务。 但在尼日利亚，这个拥有2亿人口，非洲最大的经济体和人口最多的国家，其用于转账的移动资金，仅占去年GDP的1.4％（肯尼亚为44％）。 五分之四的尼日利亚人从未听说过。
2019-05-13
