The Biggest Barrier to Financial Inclusion in Nigeria

In Nigeria, we haven't really had that level of success. And then people think that the reason for that is because of regulation. Our official literacy rate is around 60%. But on the ground, you will find that it's actually much, much lower than that. So in terms of how we approach products development, that's always something that's top of mind for us. How do we serve a people for whom literacy puts the challenge huge?