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2019: Opay enters Nigeria’s mobility scene with green bikes and bold dreams. 2020: Government bans bikes. Game over? Not quite. Opay pivots to fintech, and within two years becomes a $2B payments powerhouse. Takeaway: Agility is the real moat. Gokada clung to bikes. Opay chased opportunity. It’s not who starts first, It’s who pivots smartest.
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