The eNaira's low adoption rate in Nigeria stems partly from user interface design flaws. The speed wallet app, rated 2.5/5 on average, frustrates users with poor usability, complex navigation, and limited functionality, deterring engagement. Only 1.5% of 860,000 downloaded wallets are active weekly, reflecting a 98.5% inactivity rate. Inadequate merchant integration and unclear use cases further alienate users, with many preferring cash or existing mobile money platforms. Rural users face additional barriers due to low smartphone penetration and unreliable internet, exacerbated by the app’s dependence on connectivity. Insufficient user education and lack of compelling incentives also hinder adoption. Addressing these UI shortcomings, enhancing accessibility, and improving infrastructure are critical to boosting eNaira’s acceptance and achieving its financial inclusion goals.