Cost of Delay Calculator
What does waiting actually cost?
Regulatory fines, lost revenue, blocked enterprise deals — quantify the true cost of delaying compliance.
Framework & Timeline
Compliance Framework
₦1M₦50,000,000₦500M
1 month3 months12 months
$50k$120,000$500k
02 deals10
Get Your Full Proposal
Enter your email to receive a CFO‑ready PDF with your numbers, underlying assumptions, regulatory citations, and a scoped engagement proposal.
Cost Breakdown (illustrative estimate)
Illustrative estimates calculated from the numbers you entered and the planning assumptions listed below, not from a specific regulatory penalty schedule. They are not a forecast, a quote or a promise of any outcome.
Monthly Fine
₦5,000,000
Total Fines
₦15,000,000
Revenue Loss
₦15,000,000
Blocked Deals
₦360,000,000
$240,000 × 2 deals
Total Cost of Delay (illustrative estimate)
₦390,000,000
Methodology Notes
- • CBN AML fines: an illustrative ₦5 million/month placeholder. CBN’s actual Administrative Sanctions Regulations set a schedule of minimum penalties by infraction and institution type, not one flat monthly fine — see the CBN AML penalties reference.
- • Revenue loss: a planning assumption of 10% of monthly revenue per month of delay, for you to adjust against your own numbers — not a measured industry statistic.
- • Exchange rate: 1 USD = 1,500 ₦, for the deal-loss conversion only.
- • PCI-DSS fines: this tool uses $10,000/month, the low end of the $10,000–$100,000 range acquiring banks publish; it does not ask for your merchant level.
- • SOC 2 & ISO 27001: no direct regulatory fines; only revenue and deal losses are estimated.