POS in Nigeria: A lifeline for convenience, and a channel for crime, fraud, by Martha Gwary Nigeria’s Point-of-Sale (POS) industry has evolved into a vital pillar of everyday commerce, offering millions of citizens convenient access to cash and digital payments. Yet, while the system has expanded financial inclusion and eased transactions across urban and rural communities, it continues to grapple with persistent challenges ranging from high charges to cases of fraud — raising questions about its long-term sustainability. An Indispensable Service Once a supplementary payment channel, POS services have become indispensable for households...