From Impossible to Billions

Before August 2019, if you had sold the idea of a digital only bank to Nigerians, many people would have said it was dead on arrival.

Most people believed no Nigerian would leave their money with a bank that had no physical branch.

ALAT introduced the concept first, but they had the backing of Wema Bank, so trust was already established.

Kuda had the same idea, but without an established institution behind it. At the time it looked like an impossible idea. Still, they built it and launched in August 2019.

Today digital banks like Kuda, Opay and Moniepoint are generating billions in revenue every year.

The same pattern happened with ride hailing.

The idea that a stranger could pick you up through an app and drive you around was something many Nigerians believed would never work. But Uber launched in Nigeria and today ride hailing is a normal part of everyday life.

What often separates people who succeed from those who stay on the sidelines is mindset and risk tolerance.

Like Del Boy always says, he who dares wins.

People will run your ideas down. That is normal. Not everyone can see what you see.

While many founders are focusing on fintech products like bill payments, crypto wallets and transfer apps, I am focusing on platforms that solve practical problems, support small businesses and empower ordinary individuals.

I promised myself that 2026 will be a year of breaking rules and boundaries. My goal is to build three businesses before the year ends and do everything possible to make them successful.

Fyndr is ready and will be launching in a few days. It will help realtors and professionals in home cleaning and maintenance connect directly with clients without middlemen and without the stress of search based platforms.

In the coming months we will also sign a partnership agreement with a small paint manufacturer in Abuja to introduce technology that helps them scale and generate more revenue.

We are already working on the blueprint for the third idea. One that will help businesses grow while also giving ordinary individuals an opportunity to earn income as a side hustle or full time.

Anything I build must do one thing. Empower people and give them a sense of purpose.

Fintech is good. But Nigeria also needs platforms built on deep research and clear strategy that solve real problems and create real opportunities.

From Impossible to Billions: How Bold Ideas Win in Nigeria