High fees and lack of pricing transparency may be a barrier to accessing financial services, especially for low-income and rural populations. In Nigeria, where access to financial services is lower than in neighboring countries, the Central Bank issued regulations to limit customer fees. However, anecdotal evidence suggests these regulations are not always followed.

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How can communities be encouraged to accept former members of violent extremist groups who demobilize from conflict and begin the process of reintegration? Working in communities affected by Boko Haram in northeastern Nigeria, researchers examined whether messages from religious leaders—widely trusted in the region—could influence attitudes and intended behaviors, as well as shift perceived social norms, related to community support for the reintegration of former Boko Haram members.

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In recent years, the prevalence of predatory or fraudulent finance-related mobile applications has increased as mobile access and finance technology providers expand. Many consumers have fallen victim to such apps, in particular after the onset of COVID-19, which drove an increase in usage of digital financial services.

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A patient receives a dose of the COVID-19 vaccine in Nigeria

As COVID-19 vaccination ramps up worldwide, understanding factors that may lead people in low- and middle-income countries (LMICs) to reject COVID-19 vaccination is of global concern, as lags in vaccination could facilitate global spread of virus variants. Researchers surveyed nearly 45,000 individuals in 10 LMICs, the United States, and Russia between June 2020 and January 2021on vaccine acceptance and trusted sources for vaccination advice.

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The opening of Nigeria’s mobile money system to non-banks and new mobile banking products from commercial banks presents the potential for digital finance to take off in the country. To maximize the benefits of digital inclusion, expansion of use should occur alongside sufficient consumer protection policies and responsible product design.

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Social Media apps on a phone - via dole777 on Unsplash

As financial services digitize, more consumers are bringing their experiences online as well, using social media channels like Facebook and Twitter to raise concerns and issues with specific products or services. Social media data could shed new light into the issues that affect digital consumers and how providers are responding to these complaints.

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Despite global efforts to reduce maternal and neonatal mortality, the availability and utilization of maternal and child health care remains low in many low-income contexts, especially those marked by ongoing conflict and civil unrest.

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Globally, irregular migration and human trafficking have reached crisis proportions in fragile and conflict-affected states. In Nigeria, the combination of ongoing, low-intensity conflict, a large youth population, and limited economic opportunities has led to high levels of irregular migrants seeking to make the dangerous journey to Europe. There is little evidence on how individuals weigh the risks and benefits of migration, and how information campaigns influence decisions to migrate.

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Recent evidence has pointed to the importance of socio-emotional skills development for improving business outcomes and for helping to close the gender gap between male- and female-owned small businesses.

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A used clothing trader and his stock in Lagos, Nigeria

A large theoretical literature suggests that public information can substitute for formal contract enforcement – businesses concerned about maintaining a good reputation will be more inclined to follow through on commitments. However, little is known about the extent to which reputation helps enforce informal business agreements in practice, or about the channels through which information of this type impacts trade.

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Policymakers in countries dominated by small and medium-sized firms face challenges in spurring them to grow and hire more workers. In particular, it has been difficult to distinguish entrepreneurs with potential for growth from their “subsistence entrepreneur” peers. Researchers used a national business plan competition in Nigeria to test if selecting winners and offering them $50,000 cash could encourage their firms to grow.

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