Executive Director, Technology & CTO · AI & Payments Infrastructure · Lagos
My teams built the Treasury Single Account platform that brought more than 20,000 federal government bank accounts into one, the payments platform that processed over ₦100 trillion in 2025, and smart metering systems connecting more than 300,000 meters. I also sit on a working group for the Central Bank's Payments System Vision 2028, helping decide where Nigeria's payments go next.
I now lead the team putting AI to work across these platforms, starting with fraud and risk.
AI
I lead the team that put AI into production across our platform. In a regulated business that moves this much money, it has to be secure, auditable and correct. It also has to be understood: at Nigeria Fintech Week 2024 I argued that leaning on black-box AI could shut Africa out of its benefits.
Machine learning and behavioural analytics score transactions as they happen and flag fraud and risk early.
We took AI from pilots into everyday use, with the data and cloud infrastructure to run it reliably.
Security, audit trails and human review are built in, so we can explain any AI decision to a regulator or a customer.
Payment services that AI assistants and agents can call directly.
Industry leadership
I also work on the rules and standards the rest of the industry builds on.
Policy
I sit on a working group for the Central Bank of Nigeria's roadmap for the country's payments system.
Open banking
My teams were building open banking APIs and account-to-account systems years before the regulation arrived. I now speak and write about secure data sharing.
Digital currency
I was part of the team that designed and commercialised an eNaira rail for payment and acceptance. I've also given a keynote on stablecoins, and I'm a certified blockchain engineer.
Standards
I specialise in ISO 20022, the global messaging standard for payments, and build to PCI DSS, ISO 27001 and the Central Bank's cybersecurity rules.
Expertise
National platforms designed and delivered end to end, from the TSA to account-to-account switching, by teams spread across several countries.
Infrastructure for platforms that can't go down. Kubernetes, AWS and Huawei Cloud.
Collections, account-to-account switching, settlement, and secure APIs between banks, fintechs and large organisations.
Both sides of security. On defence, security architecture, monitoring and incident response. On offence, penetration testing and red-team exercises that find weaknesses before attackers do.
Unified vending and advanced metering (AMI and AMR) for electricity distributors.
Central bank digital currencies, stablecoins and distributed-ledger design.
Standards I build to
Sectors
Selected work
Government · National scale
TSA gateway, 2012 to 2025
Challenge
Bring government revenues and payments from many separate bank accounts into one view, so the treasury can see and control public money.
What I did
Led enterprise architecture and delivery for the platform, connecting every bank and other financial institution (OFI) in Nigeria to the treasury. It drove federal government payments and collections across ministries, departments and agencies for over a decade.
Result
Full rollout in September 2015. By February 2017, more than 20,000 bank accounts were closed, ₦5.24 trillion was consolidated and over 900 agencies were on board.
Switching · First of its kind
National payments infrastructure
Challenge
Let money move directly between bank accounts, without cards or cash in the middle.
What I did
Led enterprise architecture and delivery for the switch and the open banking APIs around it, connecting banks and businesses directly.
Result
Businesses and government could pay bank to bank. The same APIs later became the base for open banking.
Payments · National scale
2011 to today
Challenge
Move money reliably for millions of people, businesses and institutions across many sectors of the Nigerian economy.
What I did
Led enterprise architecture and delivery while rising from technical architect to CTO, and grew the engineering team that runs the platform.
Result
Over ₦100 trillion processed in 2025, across more than 15,000 products and services.
Power · AMI / AMR
Technology Consultant, MOJEC · PowerGenie live by 2018
Challenge
Help electricity distributors read meters remotely, sell power through one vending system and collect revenue reliably.
What I did
As technology consultant to MOJEC, led architecture and delivery of PowerGenie, MOJEC's unified vending platform issuing STS tokens, and the advanced metering infrastructure behind it. It reads consumption and losses remotely and disconnects tampered meters.
Result
More than 300,000 meters connected. By 2022, PowerGenie was running across more than 25 estates, institutions, hotels and off-grid projects.
CBDC · eNaira
Live July 2022
Challenge
Make Nigeria's central bank digital currency usable for everyday bills, business payments and payments to government.
What I did
Part of the team that designed the eNaira payment and acceptance rail and took it to market.
Result
eNaira became a payment option on web, mobile and the payment gateway, for utilities, exam fees and federal, state and local government payments, and merchants and fintechs could accept it.
Retail · UK
Javelin Group · 2007 to 2010
Challenge
Build eCommerce and retail systems for major brands, including Walmart, Tesco and Sony.
What I did
Senior Java/J2EE developer at a specialist retail consultancy, leading in-house and nearshore development teams.
Result
I learned how the biggest retailers run technology, and I brought that back to Nigeria.
AI · Fraud & risk
Ongoing
Challenge
Bring AI safely into a regulated, high-volume payments business, and fight fraud without slowing honest customers.
What I did
Led the team that brought AI into production, starting with machine learning and behavioural analytics for fraud and risk.
Result
Suspicious transactions are flagged as they happen, across the whole platform.
Career
I studied and started my career in the UK, then came home in 2011 to build payment systems.
Middlesex University · May 2004 – Aug 2004
Built a “Microworld” ambulance dispatch framework in Java and XML.
Evolution Systems Ltd, Bedford · Apr 2006 – Feb 2007
Designed and built a gaming agent system for the Asian market, and a white-label application on the EVOLVE core system.
Project Centre Limited · Feb 2007 – Jun 2007
Designed and built the project management and CRM system, and engineering tools including a bus prediction tool.
Javelin Group, United Kingdom · Jun 2007 – Dec 2010
Built retail and eCommerce systems for clients including Walmart, Tesco and Sony, leading in-house and nearshore development teams.
SystemSpecs · Feb 2011 – Jun 2013
Deployed Remita as the CBN e-payment application, and led architecture of the Treasury Single Account gateway, connecting every bank and OFI to the treasury.
SystemSpecs · Jun 2013 – Mar 2019
Led the mobile, USSD, DevOps, architecture and system integration teams, and the move to container-based infrastructure. The TSA went fully live in September 2015.
MOJEC · 2018
MOJEC's PowerGenie vending and AMI went live, and later grew past 300,000 meters.
SystemSpecs · Mar 2019 – Aug 2022
Ran the payment systems and the infrastructure under them, and was part of the team that designed and commercialised an eNaira rail, live in July 2022.
Remita Payment Services Ltd · Jan 2022 – Jul 2023
Responsible for technology across Remita Payment Services Limited, a subsidiary of SystemSpecs Holding.
Remita Payment Services Ltd · Jul 2023 – present
I lead technology strategy and engineering. In 2025 I joined a working group on the CBN's Payments System Vision 2028, and I'm completing a USAII AI certification.
Work with me
Leadership roles
For organisations looking for a CTO or board member who has run national payment infrastructure.
Start a conversation →Advisory
Speaking
On payments in Africa, AI, open banking and leading engineering teams.
See past talks →How I lead
E dey work?
Most decisions get easier with one question. Does it work? Asking it keeps teams focused on results, and it makes everyone own their solutions.
Test every idea against the result, and let the person who built it own it.
Read the article →Payments and power leave no room for "almost right". Quality is everyone's job.
I lead engineering teams spread across several countries and time zones. Members of my team have won Culture Champion awards.
Blog
Speaking & writing
Credentials
Professional certification.
United States Artificial Intelligence Institute.
And North East Surrey College of Technology.
Contact
For roles, advisory work, speaking or media, email me.