Step outside your home in Lagos, Kano, or Port Harcourt, and walk twenty meters. Under a frayed umbrella, seated on a plastic chair with a small banner, you will find a “POS operator.” These operators are the capillaries of Nigeria’s cash-dependent economy, pumping naira notes into the hands of millions. When commercial bank branches shrank, and automated teller machines (ATMs) consistently ran dry, these retail entrepreneurs stepped in. They brought financial services within reach of the poorest farmer and the busiest market woman, effectively humanising fintech for tens of millions of citizens.