Map the Payment Gaps Facing Market Women in Onitsha

Onitsha Main Market in Anambra State handles billions of naira in trade every week. Wholesalers, retailers and petty traders operate side by side. Despite years of fintech growth in Nigeria, cash still dominates. Transfer fraud, POS fees, network failures and simple habit all play a role, but the exact shape of the problem varies by trader type and transaction size. Fintech companies have largely focused on Lagos and on higher-income urban users. The informal market segment, particularly women traders who may be moving goods worth two hundred thousand naira a day entirely in cash, is poorly understood and rarely designed for. The result is that these traders carry physical risk, lose float to cash handling, and have limited access to credit because they have no digital transaction history. Your task is to produce a structured data analysis and intervention proposal. You will design and administer a short survey (minimum 20 respondents) to traders in Onitsha or a comparable large informal market. You will analyse the data, identify the two or three most significant barriers to digital payment adoption, and propose one targeted intervention that a fintech company or state government could realistically implement within twelve months. A strong submission will show rigorous survey design, honest treatment of the data including its limitations, and a proposal that is specific rather than vague. Recommending that "fintechs should do more education" is not enough. What exactly, for whom, delivered how, and at what cost?