We are representatives of Nigerian businesses in the Airtime business and have been operating for many decades distributing airtime to Nigerians. We have been bombarded with complaints from various customers on the exorbitant costs on the airtime credit scheme of some telecom operators and the lack of transparency concerning the charges on this service. The critical questions of national importance to be answered are as follows: Who are the owners of the businesses that provide the borrow-me-credit services? Why are Nigerian banks and other small credit lending institutions not allowed to offe…