Was skeptical at first honestly because new payment systems in Nigeria usually come with their own wahala, but CowryPay has actually made my commute around Lagos so much smoother. The contactless thing means I'm not fumbling for cash or worrying about change from drivers, and it just works every time I tap my phone. The app itself is straightforward and I appreciate that they didn't overcomplicate things. Been using it for about two months now and I haven't had a single issue with any transaction.