We did an overview on the debit and credit card market in Nigeria in a bid to understand the key personalisation bureaus in Africa, the market potential for payment modules and local pricing. Within 60 interviews with banks, personalisation bureaus, IT companies and experts in the market africon could gain extensive know how on the local pricing of Gemalto, G&D and Union Pay. The key learning is that the local pricing has strongly declined in a short period of time due to the strong pressure from the market.