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      Question

      Why does the NSFI 2025-30 strategy place equal emphasis

      on "Quality" alongside "Usage" in its 47-point action matrix?
      A Because high transaction volumes are invalid if commercial banks do not achieve a 20% annual net profit. Correct Answer Incorrect Answer
      B Because poor service quality, hidden dark patterns, and slow grievance handling cause users to lose trust and drop out of the formal financial system. Correct Answer Incorrect Answer
      C Because global international banking accords completely penalize any nation that opens physical branches. Correct Answer Incorrect Answer
      D To slowly reduce the operational responsibilities of the central bank's banking ombudsman networks. Correct Answer Incorrect Answer
      E To transition all consumer loan applications exclusively into high-risk equity markets. Correct Answer Incorrect Answer

      Solution

      True financial inclusion requires consumer trust. If users experience predatory digital patterns, cyber-fraud, or slow problem resolution (Quality issues), they will abandon formal banking channels and return to cash or informal lenders. This is why Quality accounts for a significant 40% of the strategy's action points.

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