 Diolch yn y bwysig ac yn dechrau a'r Afrif. Dwi'n golygu ar drosio â gynnig o well yn y Cyfrifatwr Cymru yw Nidrwy. Gyda'r cyffredin Gweinwyr, yn y cyflawn ac yn niroddiad, ac yn gweithio y cyhoedd gwneud yn y pryd y Cyfrifatwr Cyfrifatwr. Bydd y cyfrifatwr tynnu dechrau. Ar fy enw yn cyrraedd yingodau ar y mynd, ac beth y peth yn gweld mynd i Edym Padg, Maen nhw'n wneud mewn cyfrannu. Mae gwybod ei ddechrau sydd wedi gweithio gyda'r Gwmeneithio Bancasol yn cyfrannu cyfrannu Llyfrgellau Llyfrgellol. Mae'r gwybod ei gweithio cyfrannu sydd wedi'i gweithio gyfrannu Cymryd yn gweithio mewn cyfrannu. Fe ydych chi'n gwybod, mae'r gwybod erbyn gweld, ac mae'r gwybod i'r gwahoddiadau o'r cyfrannu ac yn gofynol, felly o'r Lai Rwagau, yw'r MDE AQ technology management services. Wseny, rydw i ddweud yw'r gweithio? Thank you, it's my pleasure. No no no, so quickly, I'd like to show you thoughts on the consent of the Apex Bank asking that the E nair of Wallet or the payment system should be embraced by traders. That's on the one hand. Okay, thank you. So like usual, I can see, let me use the word policies should be sorted at this point in time. Mae'r ddweud y llyslywyr yn gwirio ar-doedd ar gael gwasanaeth hynny y bydd y cwestiynau y bydd ymgylch i'r llyslywyr yma, sylwyr mewn gwirio a'u ffordd. Yn y gweithio, yn dweud ychydig sydd y gallwn ni'n gweithio'n llyslywyr, ychydig y gallwn ni'n gweithio ychydig a'u ddweud. The bankers community here, they trained their best. However, the fastest moving way to ensure adaptability of policies like cashless policy that has been proven that I am seeing in the industry today is to agent network. But today, this same agent network are people that are not kind of just on paper considered as an important part of the financial ecosystem. But when it comes to implementation, they are not really carried along, they are not categorised, they are not really engaging, right? And again, it's not just about the bank. I think another way we can see the digitalisation of financial services in Nigeria is the adoption of all this kind of innovative way the ffintechs have gone about it. But today, I don't see any ffintech given talking about email. Particularly, the bankers committee sensitising market women and men were very explicit. So it's the ENAR platform, the ENAR. I'm sure that you are very in the know of this particular introduction and innovation as to the financial economy of our country. So I'd like you to speak to that one. Do you think that there's a lot of sensitisation? Do you think that there's a lot of capacity in that particular regard when you talk about the ENAR? Exactly. So what I'm saying is, yes, is about the approach of the sensitisation and the adoption of the solution. I'm trying to lay a basis where you see the adoption of other financial solutions, which is digitalised. If the same approach is used, I believe it's good. However, the bankers committee goes from a way, and when you look at agent networks, if agents are actually carried along for the ENAR sensitisation or ENAR adoption and music, they use their integrity, they use their influence to explain at their own languages at their local places, to explain and let people adopt the solution. But this set of people are people who are not duly carried along to encourage the adoption. And I keep saying for me, if we want to get things right, we need to understand the working channel and include this working channel to ensure we get good results in good time. Going forward, Nigerians are scared, and you have something to give them confidence to be able to say, this is what we want to go next. So, just still in the light of that conversation, as a country, do you think that we have what it takes, infrastructure, the awareness, favourable policies? The list is almost endless to enthrone an efficient, cashless society. Not limited to the ENAR now, but we're saying you are going to tell market women to embrace all the channels of payment, the POS machines, you also need to understand how favourable the prices are for them to accept it because it's not free. So, I'm saying, and comparsing, do you think that we have the capacity, the technology, the infrastructure, whatever it takes to run, I mean to say we're a cashless society? It's a good policy, but we are not yet there. When it comes to infrastructure, we still have a long way to go. We can see that within January to March, where this cashless policy was really hitting hard, even banks are filling. And another issue is how do we undo a centralized issue resolution system, where it makes it easy to address. We still have pending issues, as we speak, in terms of this cashless way. So we are not there, we are in terms of infrastructure, in terms of the orientation, in terms of the understanding, we are actually not there. There is still more to work to be done. So beyond the policy, we also need to look into other factors like technology, which is not well-grounded. Capacity, you know, technical know-how. You have people, you know, human capacity development, infrastructure capacity, and a lot of things needs to be looked into. We are not yet there. There are still a lot of ways, a lot of things to improve on to ensure this cashless policy or any other means, alternative means of payment is going as expected. So let's take it from that point on. What are the things that can be done to embrace this cashless policy? What exactly can we do? You have said that there are a lot of things that can be done. What are those things that can be done for us to say, hey, we're a cashless nation? So first of all, we need to work on capacity in terms of technology. The technology infrastructure we have in banks today are not readily welcoming for this kind of policy. Secondly, you have a women load of traffic on transactions and they can't handle it. They have to scale up and they have to do a scale up structure that if tomorrow they are going to extend, they should be able to accommodate that. Second, we need to also work on human capital development. We have a lot of people in the sector right now who have little to no knowledge of what they're doing. It is very, very necessary. We address that. Thirdly, issue resolution has to be prompt. You know, we have to centralize issue resolution where it is not like you send money from one entity to another and the other entity is claiming not to have received that money. However, the money is in that entity's position. You know, there are a lot of issues around there. So who do you trust? So is mistrust? Who do you trust? Who is telling the truth? Who is telling the lie? So that is knowledge gap. Then channel of orientation has to also be very, very defined, you know, and understand what works and what don't work. We have over 50 million engineers who are not, who do not have bank accounts, who are not banked. And these over 50 million people are the decider of the economy. You know, these people, there are ways you cannot just do formal, formal approach to them. You have to find a way to do informal to formal approach for them to, you know, be able to end the trust, have your understanding, and we have a better financial system in terms of cashless or cash economy. Well, Useni Olair Wajir, thank you so much. We have to let this go at this point in time because we need to join the newsroom at 9 o'clock for the news group. We appreciate your response this morning on the show. We have been speaking with Useni Olair Wajir, who is the MD of the HAQ Technology Management Services right here in Nigeria. Thank you once again. And that's the size of our conversation this morning on the show. That's the breakfast. We will return tomorrow. The lineup would be interesting. Now, and if you missed that on any part of it, we ask that you, you know, follow us on different social media platforms on Facebook, Twitter, Instagram, and subscribe to YouTube channel at Plus TV Africa, Plus TV Africa Lifestyle. You can also use that also on, you know, our YouTube channel as well. My name is Messi Boko. Have a fantastic morning. Thank you.