In bustling markets across Nigeria, cooperative societies have long served as vital lifelines for everyday Nigerians. These groups offer savings, loans, and financial stability to communities, but many face a silent struggle: collecting consistent payments on time. Until recently, the process was arduous, stressful, and often delayed crucial services like loan disbursement or member onboarding. However, innovative solutions are changing the game. Take Ire Ayo Traders Cooperative in Ibadan as an example. This long-standing cooperative faced the challenge of missed payments, impacting their ability to operate efficiently and grow sustainably. By introducing a direct debit system that uses automated payments, they’ve witnessed remarkable changes, leading to increased collections, smoother operations, and new opportunities for members. This shift highlights how automation can empower these vital financial institutions, enabling them to thrive in an increasingly challenging economic environment. For groups like Ire Ayo, the implementation of this technology has been transformative, freeing up valuable time for administrators to focus on strategic planning, financial literacy initiatives, and empowering members with essential resources.