Nigeria Inter-Bank Settlement System Plc (NIBSS)

What does the next 10 years look like for them? Maybe I'll start, and this is something Hakeem said when I was in Lagos, and it's something the folks at Open Africa have made mention of multiple times, so I don't know who to blame for this, but contactless payments.

Interswitch and NIBSS, between both of them, they need to figure it out how to make it work.

And I can write a piece on why it doesn't yet work on Nigeria, and I'm going to end up on it's because of fraud and chargeback and all that stuff, but it works in other countries.

So how do we have to make contactless payments work, and why haven't they made...