Guardians of the Digital Realm: Mapping Key Stakeholders in Data Privacy and Digital Credit Universe

In Nigeria’s rapidly evolving digital economy, data privacy and digital credits emerge as critical areas demanding robust stakeholder engagement and strategic oversight. This study examines the intricate web of key stakeholders in digital data privacy and digital credit sectors, their interrelations, responsibilities, and impacts. These stakeholders include governmental regulatory bodies, financial technology firms (fintechs), consumers and international organizations. Through a systematic literature review, the study navigates the complexities of these relationships, particularly in the wake of Nigeria's Data Protection Act and the burgeoning digital credit market. Data is synthesized from policy documents, digital credit transaction trends, and organizational repositories to underscore the growing significance of stakeholder actions and interactions. The findings illuminate the current landscape and forecast the trajectory of digital data governance and credit practices, emphasizing the necessity for a harmonious and secure digital economy that serves all stakeholders equitably.