Why is Lagos considered to be a representative city for the cash$-$centric maturity stage?

Moderate adoption readiness, low digital payments usage, and high unbanked population.

Low$-$adoption readiness, low digital payments usage, and a high unbanked population.

Developed digital infrastructure but maintains considerable cash usage and has low levels of unbanked population.

High usage and readiness and the population is nearly fully banked.

High readiness, low digital payments usage, and cultural inclination towards cash.