Page 147 - The Digital Financial Services (DFS) Ecosystem

ITU-T Focus Group Digital Financial Services
Ecosystem

Challenges with enrollment or use of the Not specified
program by women:
% of the enrolled who are women: Not specified

Challenges with enrollment or use of the Not specified
program by other populations:

Cost/Person: Not specified
Challenges with Implementation or Program: • Enrollment: Fake agents have opened unauthorized registration centers
27
and charge citizens fees to participate in the registration process. Lacking
commitment from front-end partners led the National Identity Management
Commission to seek approval for additional enrollment equipment 28
• Harmonization of ID Programs: the National Identity Management Commission
contested the legal right of the Bank Verification Number (BVN) program in
Nigeria to register citizens using biometric information, claiming the dominant
role in identification matters. An agreement was eventually reached to harmo-
nize the databases. 29

Process for responding to implementation Micro-Level (Individual Issues):
challenges: • Individuals can receive assistance through a Call Center during the week,
or access support at any point through an Interactive Voice Response (IVR)
system. 30
Macro-Level (Systematic Issues):
• A governing board has the power to establish ad-hoc committees to address
matters concerning the National Identity Management Commission and its
activities. 31
FUNCTIONAL USES OF PROGRAM

Financial Services (including Social Transfers)
• KYC: Used for verification when opening a bank account; purchasing insurance policies; and purchasing, transferring, or regis-
tering land in accordance to the Land Use Act 32
• Digital Banking: The National Identity Card is linked with MasterCard, and acts as a payment tool to deposit, withdraw, or
receive funds (in particular social benefits), pay for goods or services, save, or engage in other financial transactions facilitated
by electronic payments. 33
Health
• Insurance: transactions under the Contributory Health Insurance Scheme will use the NID. 34
Agriculture
• Distribution of Subsidies: those eligible for the Nigeria Agriculture Payment Initiative (NAPI) can redeem subsidies at point-of-
sale (POS) devices after confirmation of biometric information. Cards can additionally be used as a debit card tied to Bank of
35
Agriculture accounts.
Election
• Voter Registration 36
Other Functions
• Know Your Customer: National Identity Cards are required for the application and issuance of an international passport. 37
• Driving License: the database for driving licenses will be integrated with the National Database. 38
• Taxes: NID transactions will include the payment of taxes. 39

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