Fintech and autotech platforms are increasingly bridging the funding gap in Nigeria’s clean mobility sector by replacing traditional credit scoring with asset-backed data. Companies like Qoray Mobility & Energies, through its Superdash platform, utilize IoT and telemetry to provide lenders with real-time visibility into vehicle utilization, earnings, and repayment performance. By automating payment enforcement directly at the asset level, firms such as Gigmile, Leap Mobility, and DriveMe are making financing accessible to operators previously deemed unbankable due to lack of credit history. This shift toward revenue-based, instrumented asset financing is seen as critical to accelerating the adoption of electric vehicles and CNG-powered transportation in the country.