Over the last few weeks, I’ve become obsessed with getting a grand unified theory of Ngozi; a sense as to how I should assess all the questions life throws at me; should I forgive my friend for serving me amala when they invited me for dinner? Should we provide subsidies…

The original title for this article was going to be ‘Is Safaricom Africa’s biggest predatory lender’. You can tell I was either in a bad mood or just creating clickbait to try and get new subscribers. Luckily I had a calming lunch and decided to take a more constructive approach…

I promise you its not clickbait 🙂 So first a confession; I thought climate tech was the preserve of the tree hugging brigade; we all know at least one of them one of them — definitely vegan, favourite drink is a skimmed almond latte and they are always pleasant until…

Tech Bros are from Mars, Health Professionals from Venus Post my current career as neobank co-founder, I have always said I would go into health tech. Maybe it’s a delusion of making real impact; there is something about saving a life or helping people that are ill that beats trying…

Yesterday we rebranded from Paylater to Carbon. Why? If you are more about sights & sounds then go to this video to hear the carbon co-founders. If words are your thing, read on. Carbon is one of the most essential elements for human life, it is found in all life…

Up North — Naija at its Best I just watched the best Nigerian movie ever. I laughed, I cried and I left inspired. I say this for four reasons: It is real Nigeria. No fake fone, real accents and not any fake vista or view of how the 1% live. …

A few weeks ago, I wrote a post about what stakeholders in digital finance could do to improve access to credit. A key recommendation was that lenders should report both positive and negative results of all loans to the credit bureaus, and their investors should also insist on this basic…

On the 20th of June 2018 in the year of our Lord, the Responsible Finance Forum(RFF), a global alliance of over 50 fintech investors and digital finance innovators, launched the Investor Guidelines* aimed at spreading more widely the benefits of the fintech revolution. …

Disclosure: This article merely recounts frustrations of a fellow entrepreneur over a few drinks. It does not represent the my experiences or any of my colleagues at Paylater. Honestly. I met a friend at a bar for drinks. She was very bitter because she was finding it difficult recruiting employees…