Nigerian fintech startup Ding is targeting payment bottlenecks that slow everyday transactions by developing a QR-based transfer platform aimed at making bank payments faster and easier for merchants and consumers.
The company said its platform allows customers to complete payments by scanning a QR code linked to a merchant’s bank account, eliminating the need to manually enter account numbers, share payment screenshots or wait for transfer alerts before transactions are confirmed.
Rather than creating a separate digital wallet, Ding said the platform operates on Nigeria’s existing banking infrastructure, allowing users to make payments through their preferred banks while reducing the number of steps required to complete a transaction.
The company’s approach comes as digital payments continue to grow in Nigeria, where bank transfers have become a common payment method but often require merchants and customers to manually verify transactions due to delays in receiving payment confirmations.
Founder of Ding, Deborah Onyibe, said the idea emerged from observing recurring challenges faced by users during everyday transactions, adding that her years working in technology companies showed her that many customer frustrations were not branding problems but product challenges that required better solutions.
“The longer I spent in strategy, the more I realized that people often ask marketing to solve problems that belong somewhere else,” Onyibe said.
Before founding Ding, Onyibe led brand operations at Nigerian fintech company Payday, where she worked on customer engagement and product positioning as the company expanded its user base.
She said her experience observing payment behaviour influenced the decision to build a solution that reduces unnecessary steps in financial transactions.
According to Ding, its QR payment identity allows merchants to receive transfers through a simple scan while maintaining the use of existing banking channels.
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