Get 1 Million Nigerian SMEs Trading Online in 12 Months

Over 80% of Nigerian SMEs do not have an active online sales presence. It is not because they do not want one — surveys consistently show they do — but because the current onboarding process for any major e-commerce platform requires a bank account with a business name, a CAC registration number, a smartphone with reliable data, and 30 to 90 minutes of patience. Most small traders have none of these in combination. Your challenge is to redesign the e-commerce onboarding journey for Nigerian SMEs. The process must be completable in under 15 minutes on a feature phone, require only a BVN and phone number as identity verification, support sellers who have no fixed business address, and get the first product listed without requiring a bank account as a prerequisite. Submit a service design document (max 10 pages) including: the redesigned onboarding flow (screen by screen or step by step), how identity and product quality are verified, a plan to roll out across three underserved trader categories, and a metric for success at 12 months. Judging criteria: 35% simplicity of redesigned flow, 30% identity and quality verification design, 20% feasibility for feature phone users, 15% success metric definition.