It’s true more time would have been great to implement this cashless policy. Payment companies have been attempting to digitize payments for retail merchants for years without success as people do not want a change in behavior We are addicted to cash and it’s showing up now. The CBN did not anticipate an exchange for old naira cash to new naira cash. Their desire is for people to digitize and open accounts. Merchants are supposed to provide bank accounts for customers to pay into