Expert unveils solution to address financial education gaps

By Johnson Lawal

Dr. Mayowa Olusoji, a financial exponentialist, certified financial educator (CFEI), and author with over twenty years of experience in financial and investment finance, helping individuals, families, and organizations achieve financial independence has highlighted the need for a revolutionary approach to financial education.

Olusoji who unveiled a solution,GO-PAS a five-module framework for financial lifecycle management (Generate, Organize, Preserve, Amplify, Sustain), and more recently of the GO-PAS Exponential Blueprint, which fuses that framework with the ABCDE lens (AI, Blockchain, Chips, Data, Energy) to prepare individuals for finance in a technology-driven era said financial literacy has been stuck at roughly 48-50% among U.S. adults for years, and only about a third of adults globally are considered financially literate, per the S&P Global FinLit Survey.

 That gap ,he pointed out already costs Americans hundreds of billions of dollars annually in poor financial decisions. What makes this moment different is that the underlying financial system itself is being rebuilt in real time: AI-driven advice, blockchain-based assets, and always-on digital payments are no longer fringe topics, they are becoming default infrastructure.

Most existing financial education, whether in schools, workplaces, or online platforms, was built for a pre-digital economy and hasn’t caught up.

GO-PAS,he revealed closes that gap by pairing a proven, actionable path through the financial lifecycle with the technological fluency needed to use, and not be used by, the new financial system.

Nigeria,Olusoji noted is both the sharpest illustration of the problem GO-PAS solves and one of its biggest opportunities. With roughly 237 million people, a median age of about 19, and close to 70% of the population under 30, Nigeria has one of the largest youth populations on earth, a generation that will define the country’s financial habits for decades. Yet just over a quarter of Nigerians remain excluded from formal financial services, and Nigeria is one of only seven countries in the world that together account for more than half of all unbanked adults globally. At the same time, Nigerians are among the most active adopters of the technology built to route around that exclusion: currency devaluation and the daily need to protect savings and move money have pushed the country to 6th place worldwide in Chainalysis’s 2025 Global Crypto Adoption Index. That combination, young, underserved, and digitally resourceful, is precisely the population GO-PAS’s Generate and Preserve modules were designed to reach, building income and savings habits that hold up whether the tool at hand is a bank account, a mobile wallet, or a regulated stablecoin.

The same opportunity scales across the continent. Financial inclusion in Sub-Saharan Africa has grown from 34% of adults holding an account in 2014 to 58% in 2024, according to the World Bank’s Global Findex, but the region still trails every other part of the world on that measure, and mobile money, not traditional banking, has done most of the work: 40% of adults in the region now hold a mobile money account, the highest share anywhere in the world, and $1.4 trillion flowed through Sub-Saharan African mobile wallets in 2025 alone, more than two-thirds of all mobile money transaction value worldwide. Remittances add urgency to the case: Nigeria alone received an estimated $21.8 billion in diaspora remittances in 2025, more than a third of everything flowing into Sub-Saharan Africa, yet the average cost of sending money into the region still runs about 8.46%, well above the 6.36% global average. That gap between what families pay to move money and what they should pay is exactly the inefficiency that GENIUS-regulated stablecoins and blockchain payment rails are built to close, and exactly the kind of practical, cost-saving digital-asset knowledge GO-PAS’s Organize and Amplify modules are designed to teach.

Layered on top of these dynamics is Africa’s fintech sector itself, projected to grow roughly 13-fold to about $65 billion by 2030 at a 32% compound annual growth rate, the fastest pace of any region in the world, with Nigeria named alongside South Africa, Kenya, and Egypt as one of the four markets leading that growth. A GO-PAS-literate population is what allows a market expanding that quickly to convert into durable household wealth rather than a wave of predatory apps and unregulated schemes. Multiplied globally, alongside the 1.4 billion people who remain unbanked worldwide and the roughly $30 trillion ABCDE technology economy projected by 2030, the pattern is the same one GO-PAS was built for: a young, digitally fluent population moving faster than the financial education available to it. Closing that gap in Nigeria and across Africa, where demographic momentum and technology adoption are the most extreme in the world, is both a proof point for GO-PAS and a template for adapting it to financially excluded populations everywhere

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