Abstract
Abstract
 This study makes an analysis of infrastructural challenges and the cashless policy in Kaduna state, Nigeria. A survey was conducted to collect the primary data through a structured questionnaire and interviews with bank customers, bank officials, and security personnel to obtain information on infrastructural challenges since the introduction of the Cashless policy by the Central Bank of Nigeria in 2012. Frequency distribution and simple percentage methods are used to analyze the data. Findings show that infrastructural challenges include network failure and infrastructural deficiency, debiting by Automated Teller Machine (ATM) without disbursing cash to beneficiaries, problems not rectified quickly by the banks, and charging by banks for using electronic banking methods. This leads to fraud, cybercrimes, and reduced confidence in the banking system. It is recommended that banks should be made to provide the minimum infrastructure required for cashless policy to succeed. In addition, there should be adequate cyber security measures implemented by banks and the government.
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