Access to Financial Services in Nigeria 2020 Dataset

The A2F Survey, which stands for “Access to Financial Services,” is a nationally representative survey conducted in Nigeria. It assesses the access to and use of financial services by Nigerian adults aged 18 and above across all 36 states and the Federal Capital Territory (FCT) of Abuja. EFInA initiated the A2F Survey in 2008 when financial inclusion was relatively unknown in Nigeria, even among bankers and regulators.

The primary purpose of the A2F Survey was to gather credible data on financial inclusion in Nigeria. This data helps to identify opportunities for policy reform and market opportunities for financial service providers. The A2F Survey provides information about how Nigerians access and use financial services. It also offers insights into national trends in financial inclusion, financial health, the impact of events like Covid-19, Naira re-design, customer trust in financial institutions, and the adoption of digital financial services.

The A2F Survey is universally recognized by financial sector stakeholders in Nigeria. It serves as an established and leading source of information on national trends in financial inclusion, aiding industry professionals and policymakers in making informed decisions.

The survey is conducted every two years and aims to:

a. Document the usage of financial products across both the formal and informal sectors from an urban and rural perspective.
b. Provide insights into regulatory and market obstacles to growth and innovation in the financial sector.
c. Identify the financial needs of the adult population and thereby allow service providers to develop innovative products to serve them.
d. Provide credible data that highlights opportunities for policy reform and supports evidence-based financial inclusion policies.

The EFInA Access to Financial Services in Nigeria 2020 survey results have been disseminated. The findings from the survey highlight the opportunities to extend financial services to the unbanked and under-banked low-income segments in the country. The EFInA Access to Financial Services in Nigeria survey is nationwide and covers over 20,000 consumers.

A2F调查（Access to Financial Services）是一项在尼日利亚开展的全国代表性调查，旨在评估尼日利亚全国36个州及阿布贾联邦首都特区（FCT）内18岁及以上成年群体的金融服务可得性与使用情况。EFInA于2008年发起该调查，彼时金融普惠（financial inclusion）在尼日利亚乃至银行从业者与监管者群体中都鲜为人知。

本次调查的核心目标是收集尼日利亚金融普惠（financial inclusion）领域的可靠数据，此类数据可帮助识别政策改革契机，同时为金融服务提供商发掘市场机遇。A2F调查不仅提供了尼日利亚民众获取与使用金融服务的相关信息，还可展现金融普惠、金融健康、新冠疫情、奈拉重铸政策等事件的影响、民众对金融机构的信任度，以及数字金融服务（digital financial services）采纳情况的全国性趋势洞察。

A2F调查已获得尼日利亚金融行业各方利益相关者的广泛认可，作为金融普惠领域全国趋势的权威成熟信息来源，可为行业从业者与政策制定者提供决策支撑，助力其做出科学研判。

该调查每两年开展一次，具体目标如下：
a. 从城乡双重视角，记录正规与非正规金融领域的金融产品使用情况；
b. 剖析尼日利亚金融行业增长与创新面临的监管与市场障碍；
c. 明确成年群体的金融需求，助力服务提供商开发针对性创新产品以满足其需求；
d. 提供可靠数据，凸显政策改革契机，支撑基于实证的金融普惠政策制定。

EFInA尼日利亚金融服务可得性2020年调查结果已对外发布，调查结果显示，该国仍存在大量未获得银行服务及银行服务不足的低收入群体，拓展金融服务覆盖此类群体存在诸多机遇。EFInA尼日利亚金融服务可得性调查为全国性调查，覆盖超2万名受访者。