What separates the person who retires with their integrity intact from the one who ends up in a fraud tribunal? Not intelligence. Not opportunity. Not even desperation. In most cases, the answer is a single word: conscience. The Economics of Conscience makes a radical argument — that conscience is not a soft moral concept reserved for Sunday mornings. It is a hard economic force. It compounds like interest when honoured and depreciates like a neglected asset when ignored. Written from the front lines of Nigerian banking — the teller's window, the customer service desk, the daily pressure of millions passing through your hands — this book speaks to every professional, every leader, every parent, and every Nigerian navigating the real cost of integrity in a world that makes compromise look reasonable. 11 chapters. Every dimension of life covered. This is the book you wish someone had handed you at the beginning of your career.