The intent of a cashless economy is to make life easier. Recently, Nigerians, due to the scarcity of cash, had to solely rely on cashless channels. However, the unintended consequences of the platforms’ inadequacies made healthcare one of the worst-hit sectors. For years, the government of Nigeria, the country’s finance sector regulator — the Central Bank of Nigeria (CBN), their partners and others had aggressively campaigned and incentivized Nigerians to adopt going cashless, describing its cashless policy as an economic enabler