Nigeria’s fast growing fintech industry is gradually shifting from bold promises to a stronger focus on reliability and transparency, as millions of users increasingly depend on digital platforms for everyday financial transactions. Against this backdrop, Smartcash Payment Service Bank has launched a nationwide marketing campaign titled “No Be Cho Cho Cho,” a phrase in Nigerian slang that suggests backing words with real action. The campaign reflects the company’s effort to emphasise performance and consistent service delivery in an increasingly competitive digital finance landscape.
Speaking at the launch of the campaign, Smartcash Chief Executive Officer Ayotunde Kuponiyi said the initiative is designed to reassure users that the platform’s promises are supported by practical results. According to him, many Nigerians have previously encountered inconsistent services and unclear charges across some digital financial platforms, making transparency and reliability critical factors for customers choosing where to manage their finances.
The campaign comes at a time when Nigeria’s fintech sector is facing growing scrutiny from regulators and users as digital payments expand across the country. Rapid growth has brought millions into the financial system but has also highlighted challenges such as failed transactions, hidden charges and operational instability. Industry observers say platforms that can demonstrate consistent service delivery and clear value propositions are likely to gain stronger public trust as the sector matures.
Smartcash said its platform currently serves nearly three million active wallet users and has introduced several measures aimed at simplifying digital financial services. These include eliminating transfer fees within its ecosystem and offering savings products with returns of up to 15 per cent annual interest, compounded daily. The service operates with the backing of telecommunications operator Airtel, enabling it to deliver financial services through mobile applications, USSD technology and an extensive retail agent network.
The company’s strategy also aligns with the financial inclusion goals of the Central Bank of Nigeria, which introduced the Payment Service Bank framework to allow telecom operators and other non traditional players to expand banking services to underserved populations. By leveraging telecom infrastructure and simplified digital products, Smartcash hopes to extend financial services to millions of Nigerians who remain outside the formal banking system while strengthening trust in the country’s evolving fintech ecosystem