Dear FinTechNGR Stakeholders, Firstly, let me congratulate every single one of us for making it through 2021, despite the hurdles and challenges faced both individually and collectively, and wish you a prosperous 2022. As an Association, we were faced with the dire need to galvanize our ecosystem; to respond positively and creatively to the sometimes gloomy global economic outlook; support the growth of the businesses of our members; and assist regulators and the government in