【尼日利亚每日信任报·尼日利亚】When the card Isn’t there: Why trust matters in digital...

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When the card Isn’t there: Why trust matters in digital...








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Ask a Nigerian business where its next customer will come from and the answer may no longer be tied to geography. It could be someone who discovered the business on Instagram, a customer in another state or a buyer paying from abroad. For businesses, digital commerce has expanded the ways they can reach customers and receive payments. Mastercard’s 2026 SME Confidence Indexfound that 100% of surveyed Nigerian SMEs consider digital and online payments vital to business growth, while 42% already ac

The data points to a broader question: how do we make sure consumers and businesses trust payment systems enough to keep transacting digitally?

Digital Growth Needs Trust

Digital commerce creates significant opportunity. Merchants can reach customers beyond their physical locations, consumers can access products and services more conveniently and businesses gain new ways to participate in domestic and international commerce.But growth without trust is fragile.

Nigeria’s digital-payment ecosystem offers an encouraging example. Reported digital-payment fraud losses fell by 51% in 2025 to ₦25.85 billion, according to NIBSS. Part of that fall reflects a single ₦31.1 billion incident that inflated the 2024 figure, and part of it reflects a real strengthening of the ecosystem’s ability to detect and prevent fraud. The losses that remain show why security has to keep evolving alongside adoption.

While these figures are not specific to card-not-present transactions, they demonstrate the same challenge facing every fast-growing digital economy, Security has to keep pace with adoption. For digital commerce to reach its full potential, trust needs to become part of the infrastructure itself.

When the Card Isn’t There, Trust Has to Work Harder

This becomes particularly important when the physical card is no longer present. A card-not-present transaction happens when the physical card is not shown at the point of purchase. Instead, payment credentials are transmitted digitally through an online checkout, an app, a marketplace or another digital environment.

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来源：Daily Trust Nigeria (https://dailytrust.com/)
原文链接：https://dailytrust.com/when-the-card-isnt-there-why-trust-matters-in-digital-commerce/
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