ABUJA — The share of Nigerian adults excluded from financial services has fallen to 21 per cent, according to the 2026 Access to Financial Services survey by Enhancing Financial Innovation and Access (EFInA), which reached 18,679 people. Use of digital financial services rose from 47 to 64 per cent and mobile money from 12 to 38 per cent. However, only 10 per cent of adults use formal credit and 5 per cent have insurance. Exclusion is 53 per cent among the poorest fifth of the population.