As Nigeria’s fintech sector continues to evolve, infrastructure is becoming as critical as innovation, says Chika Nwosu, managing director of PalmPay.
According to him, this is also supported by the rapid growth of Nigeria’s fintech industry, which makes it inevitable for digital platforms to be supported by strong operational infrastructure.
“Financial inclusion must be built on infrastructure,” Nwosu stated recently at the launch of one of its offices in Lagos.
According to him, financial inclusion was at the heart of the company’s recent expansion drive, which was designed not only to enhance customer experience but also deepen access to financial services for Nigerians nationwide.
Nwosu added that the recent expansion drive across Nigeria signals a long-term commitment for PalmPay to build a financial ecosystem that is both digitally innovative and locally accessible.
He posited that as the industry continues to evolve, the company’s strategy suggests that the future of financial inclusion in Nigeria will depend not only on technology, but also on the infrastructure that brings those services closer to communities.
Nwosu added that beyond improving customer experience, PalmPay’s office expansion delivers broader economic impact to the people it serves across Nigeria.
According to him, the fintech company’s social impact and capacity-building programs continue to support communities where it operates.
“Each new office location creates employment opportunities. Through initiatives such as the Purple Woman program, we are increasing workforce participation by absorbing and training more women across its network of offices,” he stated.
In 2025, PalmPay organised a capacity building outreach program in Kano and Kaduna, impacting 3000 women in both states with literacy programs, and financial tools to improve their businesses.
“These initiatives demonstrate how PalmPay’s expansion strategy goes beyond infrastructure, supporting community development and financial empowerment.”
Nwosu disclosed that PalmPay’s office expansion across Nigeria is a strategic move aimed at deepening financial inclusion and bringing services closer to communities nationwide.
With 28 offices across Nigeria, Nwosu said that the fintech company continues to strengthen its operational footprint in key commercial hubs, ensuring that digital financial services are supported by on-ground infrastructure.
The fintech company has moved from a one-office space in Lagos, into a national infrastructure touch-point of digital financial services.
From its office located at 64, Opebi Road, Ikeja, in Lagos, the fintech company has moved to other places like 33, Old Yaba Road, Ebute-metta, still in Lagos to decentralize its customer service.
Today, PalmPay offices are visible in Abuja, Benin, Ibadan, and Port Harcourt. In Abuja, it sits at Suite A6 Aro Plaza, Plot 2105 Herbert Macaulay Way, Wuse Zone 6, Abuja. In Benin, 28 Sakponba Road, Benin City, Edo State.
Its Ibadan office is situated at Plots 190 & 192 Tinu Oketayo Plaza, Obafemi Awolowo Road, Oke Ado, Ibadan, Oyo State, Nigeria; while Port Harcourt office is at 85B, Portharcourt-Aba Expressway, Garrison Junction, Portharcourt, Rivers State, Nigeria.
While many fintech platforms operate almost exclusively online, Nwosu said that PalmPay has invested significantly in building physical offices across Nigeria.
According to him, these offices support operational efficiency, customer engagement, and partnerships with local merchants and businesses.
He disclosed that in 2025, PalmPay deepened its market penetration with the launch of two new offices in Lagos, located in Ikeja and Yaba, to support its growing network of physical touch-points across the country.
“Today, PalmPay offices can be found in major cities including Lagos, Abuja, Port Harcourt, Benin City, Enugu, and more, reinforcing our national footprint.”
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