By Nasarah Dashe If you have sent money via USSD, paid for groceries with a mobile wallet, or onboarded a new fintech app in the last 12 months, you have touched Nigeria's digital economy. It is vibrant, relentless, and growing faster than almost anywhere else in the world. Between 2020 and 2025, Nigeria saw an explosion in fintech startups, mobile banking agents, and cashless payment channels. The Central Bank's cashless policy, combined with a young, tech-savvy population, pushed transaction values into the trillions of Naira. USSD codes like *737# or *894# became household commands. Mobile wallets replaced physical banks for millions of unbanked citizens. This is progress. This is inclusion. This is the future. But there is a shadow beneath the speed. The very force driving Nigeria's digitisation—rush, competition, and pressure to onboard users—has left a critical gap wide open: security maturity. We are building a ten-lane highway while still using paper maps and wooden guardrails.…