“Power infrastructure remains an overlooked issue. Reliable electricity is payment infrastructure.” He was the only one of 40 people in the survey to talk about Nigeria’s power crisis. The Central Bank’s target of zero failed transactions by 2028 is aimed, almost entirely, at the layer people can still see: upgraded switches, API standards, cloud-native banking. Reliable electricity is payment infrastructure, one developer said, unprompted, in the only line in 40 responses that named it.