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Our Work


One of the biggest hurdles to improving access to retail financial services is the absence of relevant and reliable data and analysis about how individuals and households manage their finances.

To this end, in pursuit of our goal of providing credible market information on the Nigerian financial sector, EFInA launched its biennial Access to Financial Services in Nigeria survey in 2008 The EFInA Access to Financial Services in Nigeria Survey is our flagship research tool. The survey provides relevant and reliable data on the demand for and use of financial services by the adult population in Nigeria.

Access to Financial Services in Nigeria survey

EFInA launched its first Access to Financial services in Nigeria survey in 2008. Subsequent surveys were undertaken in 2010, 2012, 2014, 2016 and 2018. The EFInA Access to Financial Services in Nigeria 2018 was recently disseminated on Tuesday, December 11, 2018. The findings from the survey shows 36.8% of the adult population are financially excluded and it highlight the opportunities to extend financial services to the unbanked and under-banked low income segments in the country. The EFInA Acess to Financial Services in Nigeria survey is nationwide and covers over 20,000 consumers.

Other Research

We have also conducted several other quantitative and qualitative studies covering both the demand side (client/consumer) and supply side (financial services providers).


Follow our journey on promoting financial inclusion in Nigeria.