How Gen Z Nigerians Are Using Fintech Apps To Invest In Stocks
Gen Z in Nigeria is changing the narrative of investing. no stockbrokers, no long queues- just smartphones and simple apps. Over the last two- years, young Nigerians have become a major force in the stock market, and the numbers show it clearly.
Retail investors pushed ₦981 billon into Nigerian stocks in the first seven months of 2025, a 56% jump from 2024. More than 927,000 new stock accounts were opened in 2025- the highest ever recorded. In July alone, fintech apps drove ₦516.5 billion in retail trades, proving that investing has moved from the traditional offices to the digital spaces Gen Z already lives in.
Fintech apps like Bamboo, cowrywise, chaka , and risevest have made it possible for anyone to start investing with as little as ₦1,000. Young people can buy Nigeria stocks, U.S stocks, ETFs, and even dollar-denominated assets directly on their phones. Clean interfaces, easy onboarding, and instant price alerts make investing feel as simple as using Instagram and TikTok.
But the movement isn’t only emotional; it’s practical. with naira volatility many Gen Z investors use apps to hedge with dollar assets and global EFTs. Auto -invest features, watchlists, and small stating amounts make consistency easier.
what’s clear is that Gen Z isn’t waiting for perfect time or big capital. they are taking advantage of technology to build wealth gradually. Fintech apps have opened the door, and Nigerians are walking through it confidently- one small investment at a time.
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