Qualiquant services conducted an A-B Testing Qualitative survey on behalf of GSMA/9-Mobile. The study was conducted to improve consumers/clients experience on the product and services that they provide for their clients by making available three (3) prototypes of the intended services to be provided. The study was conducted in Lagos State, Nigeria covering Micro, Small and Medium scale enterprises (MSMEs). The study was a qualitative study which adopted the In-Depth Interview method by interviewing selected Micro, Small And Medium Enterprise Owners across the length and breadth of Lagos state to understand their perception on certain services which also include financial services that are currently accessible to them such as sources of finance of their business, where and how do they access loans as well as other financial services that they would be willing to have access to.