The payment revolution isn’t just coming, it’s already here. In 2025, contactless payments are set to dominate Nigeria’s digital payment landscape. Banks and fintechs are rapidly innovating, moving beyond traditional plastic cards to solutions that make payments seamless, secure, and cost-effective.

Sudo Africa is at the forefront of this transformation with its Digital First Cards, a game-changing solution that eliminates the need for physical cards. Instead of relying on plastic, users can make contactless transactions directly from their phones. According to the COO for Sudo Africa, Kabir Shittu “This shift doesn’t just enhance convenience, it significantly reduces costs, cutting card issuance expenses by over 77%, from ₦1,800 ($1.70) to ₦400 ($0.26)”

Sudo Africa is Leading the Charge.

With Sudo’s Digital First Cards, financial institutions, fintechs, and businesses can move beyond outdated, costly card issuance models. Our technology integrates seamlessly via an SDK (Software Development Kit), enabling financial institutions to issue digital cards instantly. Whether creating a new card or converting an existing physical or virtual card into a digital one the ATM or POS can read the digital card exactly as a normal physical card. This process isn’t just instant but also frictionless.

The Market is on the Move; Why Not Move With It?

The demand for instant payment systems is skyrocketing. Customers expect seamless experiences, yet legacy card issuance models are still bogged down by high production costs, security vulnerabilities, and painfully slow processes. Virtual cards promised a solution but fell short due to the incompatibility to use them on ATM/POS Terminals.

Meanwhile, financial institutions, fintechs, and businesses lose revenue in potential transactions, due to card issuance delays, customer drop-offs, and fraud risks but now, the opportunity for massive revenue growth is right in front of us.

Why Sudo & What Sets Digital First Cards Apart?

Imagine a payment card that is instantly issued, works across online platforms, POS, ATMs, and contactless transactions, and removes the inefficiencies of physical cards. That’s exactly what Sudo’s Digital First Cards delivers. With this next-generation solution, you can:

• Boost Your Transaction Volume: This means more seamless payments and more revenue per customer.
• Slash Operational Costs: If there are no Plastic Cards and no logistics, then there is no unnecessary overhead cost.
• Maximize Customer Retention & Lifetime Value: Remember, that a faster, smarter, and more secure payment system keeps users engaged.

A Security-First Approach That Drives Trust & Compliance

Going fully digital doesn’t mean compromising security. In fact, with Sudo’s Digital First Cards, there are:

• AI-Powered Fraud Detections: Real-time transaction monitoring to prevent unauthorized access.
• End-to-End Encryption: Every payment is protected with industry-leading security protocols.
• Cloud Provisioning & PIN Protection: Users enjoy the highest level of safety with dynamic CVV generation.
• Time-based Authentication: Every transaction is timed and expires, which means an extra layer of security.

Integration: Go Live in Just 7 Days

Time is money, and every delay costs your revenue. That’s why Sudo Africa ensures the fastest integration possible. With Sudo Africa, SPEED MEETS SIMPLICITY, helping you scale faster in three possible ways:

• APIs – Easily integrate our powerful APIs into your existing infrastructure, enabling direct card issuance and management with minimal development effort.
  
• SDKs – Increase your deployment with our ready-to-use software development kits, reducing integration complexity while ensuring a seamless user experience.
  
• White Label Solutions – Launch your branded and co-branded digital-first cards effortlessly.

Our plug-and-play APIs, SDKs, and White Label solutions allow you to issue Sudo’s Digital First Cards in as little as 1 to 7 days.

The Future of Payments Is Now, Are You Ready to Seize It?

The financial institutions that act today will dominate the market tomorrow. Digital payments are evolving at breakneck speed, and Sudo Africa is handing you the blueprint to lead.

The CEO of Sudo Africa, Aminu Bakori, believes the choice for financial institutions, fintechs, and businesses is simple; Adopt Digital First Cards now, capture the market, and drive exponential revenue growth. Or keep playing catch-up while your competitors take the lead.

Ayobami Olugbenga-Wyse

Team Lead Growth & Brand, Sudo Africa.