What does waiting actually cost?

Regulatory fines, lost revenue, blocked enterprise deals — quantify the true cost of delaying compliance.

Framework & Timeline

₦1M₦50,000,000₦500M
1 month3 months12 months
$50k$120,000$500k
02 deals10

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Cost Breakdown

Monthly Fine
₦5,000,000
Total Fines
₦15,000,000
Revenue Loss
₦15,000,000
Blocked Deals
₦360,000,000
$240,000 × 2 deals
Total Cost of Delay
₦390,000,000

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Methodology Notes

  • CBN AML fines: ₦5 million per month for non‑compliance (CBN Circular BSD/DIR/GEN/LAB/14/049).
  • Revenue loss: 10% of monthly revenue per month of delay — based on enterprise deal‑blocking patterns.
  • Exchange rate: 1 USD = 1 500 ₦ for deal‑loss conversion.
  • PCI‑DSS fines: $10 000–$100 000 per month depending on merchant level.
  • SOC 2 & ISO 27001: No direct fines, but revenue/deal losses apply.