West Africa is undergoing a transformative shift in its financial sector, fueled by the rapid growth and adoption of fintech innovations. The synergy between traditional banking institutions and fintech companies is emerging as a pivotal force in driving economic growth, particularly in Nigeria, Africa's most populous nation. Amidst economic challenges and evolving regulatory frameworks, fintech is breaking down barriers, enhancing financial inclusion, and empowering underserved communities by providing them with vital financial services.