He noted that fintech has become a major driver of financial services and inclusion, while also reshaping Nigeria’s capital market through digital innovation. “The future of Nigeria’s fintech ecosystem is not something to wait for; it is something we must build together.” According to him, financial literacy and consumer education must receive the same attention as technological innovation, especially among rural communities and first-time users of digital financial services. Almona stressed that Nigeria’s digital future depends on collaboration among regulators, financial institutions, fintech companies, telecommunications providers and consumers. That message resonated during the goodwill address on cybersecurity, where participants were reminded that the rapid expansion of digital financial services must be matched with stronger cyber resilience.