Nigeria’s employment challenge remains one of the most pressing issues confronting policymakers and businesses alike.
With the country’s working-age population projected to reach 168 million by 2030, experts warn that failure to create sufficient employment opportunities could push unemployment and underemployment rates significantly higher.
Against this backdrop, a largely overlooked segment of the digital economy is quietly supporting thousands of livelihoods across the country.
Automated airtime lending and digital micro-credit platforms, often viewed simply as consumer convenience tools, have evolved into critical infrastructure sustaining informal businesses, mobile money agents, and telecom vendors nationwide.
At the centre of this ecosystem are Nairtime Nigeria Limited and its sister company, Xtra MFS Nigeria Limited, subsidiaries of the global fintech platform Optasia Group.
Beyond providing instant airtime advances to subscribers, the companies have built a technology-driven credit infrastructure that supports an extensive network of informal workers whose incomes depend on continuous telecom transactions.
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