This is not an avenue to moan and groan as we have complained enough. Many nigerians and their businesses are currently in limbo and we should use this opportunity to create awareness to our comrades on how to survive this naira scarcity brouhaha. No need talking about the naira redesign, deadline, network induced transaction failure etc. Instead i will implore everyone to use the comment section to list different avenues to ease of transaction for general awareness.

I DON'T HAVE BANK ACCOUNT: Many claim to be too busy for bank visitations to open bank accounts.
1)PSB: last 10digits of ur mobile number becomes account number by registering with any of the numerous CBN licensed Payment Service Banks. e.g MTN MOMO PSB, 9mobile PSB, Smartcash PSB etc
2)ESUSU account by the microfinance guys walking around shop to shop daily. CBN has over the years licensed and charged microfinance banks and cooperatives with the task of attending to the needs of nigeria's unbanked populace consists majorly of market people.

BAD/FAILED NETWORK

1)Multiple accounts:
It can be termed unwise for anyone in nigeria to patronise only one bank or network. It's unfortunate that nigeria is still at this stage but "when in Rome do like the Romans" and "do not put your eggs in one basket." When bank Z goes offline, immediately switch to bank U or your wallet for smooth transaction. I personally operate 3 different banks (plus wallets) and i've always owned the 4 major gsm networks. This saves me from losing communication even in a rural community. People with multiple cards can attest to getting larger volumes of cash at the ATM while others were stuck with 20k limit during this period.

2) USSD: Banks have USSD codes for when you don't have data or network is bad. If the problem is from the bank itself, many wallets and PSBs also use USSD codes to keep you linked. Some Examples; Smartcash PSB *939#, 9mobile PSB *990*0#, mtn MomoPSB *671#, Carbon *1303#

Please add more payment services that use USSD and list their codes in the comments

Wallets: While numerous banks were overwhelmed during this period many smart people made seamless transfers through their wallets. E.g. Kuda, Moniepoint, Carbon, Branch, Opay, Fairmoney etc.

POS:
Otherwise known fully as Point Of Sale terminal, is and should be part of each and every shop/ sales premises. Yes, that provision store in your street and the woman selling fufu, palm oil and food condiments should all have POS. You don't need cash to pay for toilet paper, condom, airtime, utility bills, tea or bottle water in any of the "sane clime" we always like to use as reference.
POS is a portable/mobile device just like GSM and not a cash business venture as we converted it to and used it to bring untold hardship upon ourselves by senseless charges this period. Imagine nigerians charging each other up to 200naira for each 1000naira withdrawal.

Is the money you want to transfer stuck in the bank that is offline?
Linking the ATM card to a wallet like opay, carbon, kuda will help pull the money directly from the account so you don't miss a transaction.

FAKE ALERT: a fake alert doesn't know your balance. So always read any alert completely and check if your balance has changed. Using POS & wallets also reduce your risk of fake alerts as you see the balance or transfer to main account immediately to confirm the money is real.

OVER 20YRS Nigeria has been hammering on this cashless policy but we remained adamant so CBN now pepper us. Market women in their 30's, 40's, 50's claiming they can't learn to do USSD or mobile banking but they and their children have smartphones. Even torchlight phones can do transfer.

The lack of innovative ideas from POS companies to grab this opportunity to enrol shops and share devices is baffling. Also NFC & contactless terminals for shop/taxi payments.

Please list more ways you know to solve our cashless problems

You won't believe how much Nigerians we still have that don't believe in banks, citing various downfalls. I once met an old man who said " My stomach is my bank" The Government needs to address the issue of gross development then cashless won't be an issue.

Abitolola:

It is both unfortunate and laughable. I try to exempt people over the age of 70 especially if they had little education or gsm literacy. Some of them also have trust issues because they experienced the madness that was in the banking sector up till the 90's and early 2000's. But the CBN, NDIC with the bank consolidation of the 2000's has made sure that no bank can fold away with people's money again in this country.
Moreover, they can now be served by those microfinance that come door to door daily because convincing such aged ones to travel into town and queue in the bank is an almost impossible task unless they're pensioners.
Infact majority of nigerians are supposed to be patronizing the licensed microfinance around their community. They're meant to reduce informal sector stress while commercial banks attend to more corperate entities. They now issue ATM and have USSD. The customer will receive alert on their phones and have 10digit NUBAN for transfers.