Abstract Over the past decade, digitalization and digital financial inclusion have driven global resilience, yet Sub-Saharan African enterprises face severe structural hurdles. Extending Onukwuli and Ndife (2026), this paper investigates growth barriers within the Nigerian entrepreneurial ecosystem. Specifically, this study evaluates infrastructural and operational barriers preventing MSMEs from adopting digital tools, analyzes divergences between advanced digital public infrastructure and local infrastructural decay, creates an analytical framework predicting how digital literacy and cash-heavy supply chains dictate business survival, and builds a predictive model for enterprise digital maturity. Adopting a desk-based design, this research synthesizes peer-reviewed studies and institutional reports (2021–2026) using thematic content analysis. Results indicate that chronic power instability, high broadband expenses, and cash preferences undermine digital tools; consequently, Nigeria's vibrant fintech sector coexists with systemic infrastructure deficits, where digital literacy, operating costs, and institutional friction emerge as core mediating vectors of enterprise scaling. Recommendations include deploying localized renewable energy micro-grids, providing hands-on digital literacy training, streamlining regulatory compliance via sandboxes, and offering targeted data subsidies for micro-enterprises. Keywords: Digital Transformation, Digital Financial Inclusion, MSMEs, Fintech, Predictive Modeling