Author: Robert Ogundiran
Robert Ogundiran
As the CEO of SmartROB Technologies, Robert Ogundiran is at the forefront of innovation in the fintech space. With a deep understanding of both technology and finance, he has led SmartROBTechnologies to develop impactful solutions that drive digital transformation in the financial sector.
Imagine this: You’ve got a great fintech app idea. Something that can change lives, especially for the 40% of Nigerians who still don’t have access to basic financial services. But here’s the catch — most fintech apps fail because they forget one thing: Real people don’t want complicated, confusing tech. They want something simple, trustworthy, and easy to use. So, how do you build an app that actually reaches the women in the North, the farmers in the villages, and the market traders who don’t trust banks? That’s exactly what we’ll unpack here — the real steps you need to…
Africa’s fintech revolution is reshaping the continent’s financial ecosystem. From mobile payments and digital lending to online banking and e-commerce, millions of Africans are accessing financial services like never before. But as the industry expands, so do the risks—particularly in the area of fraud. This is where Artificial Intelligence (AI) is stepping in to become a powerful ally. Here’s what you need to know about how AI is transforming fraud detection in African fintech. As fintech adoption accelerates across Africa, the threat of financial fraud has become more sophisticated and widespread. From identity theft to transaction fraud and phishing scams,…
The fintech impact on remittances to Nigeria is no longer a quiet revolution—it’s a full-blown transformation reshaping how millions of Nigerians abroad send money home. Traditional banks and old-school money transfer services have long charged sky-high fees and kept families waiting. Today, fintech startups are smashing these barriers, creating new pathways for faster, cheaper, and smarter remittance solutions. This transformation is a lifeline for families and the Nigerian economy, which relies on these funds as a critical income source. If you or someone you know sends money home, understanding the fintech impact on remittances to Nigeria isn’t just interesting—it’s essential.…
In Nigeria’s rapidly evolving digital economy, selecting the right payment gateway is crucial for businesses aiming to provide seamless and secure transactions. With numerous options available, it’s essential to choose a platform that aligns with your business needs. Here are the top 10 payment gateways in Nigeria for 2025: 1. Paystack Acquired by Stripe in 2020, Paystack has become a leading payment gateway in Nigeria, known for its user-friendly interface and robust features. Payment Methods: Cards, bank transfers, USSD, QR codes Transaction Fees: 1.5% + ₦100 for local transactions (capped at ₦2,500), 3.9% + ₦100 for international transactions Settlement Time:…
In today’s digital economy, trust is currency. And if you’re building a fintech application, security isn’t a feature — it’s your foundation. One breach. One vulnerability. One oversight… …and your entire user base could vanish overnight. This post unpacks battle-tested best practices to secure your fintech app from day one. Not theory. Real-world strategies used by top tech companies to protect billions of dollars in financial data and consumer trust. Why Fintech Is a Prime Target for Cybercriminals Let’s be brutally honest — fintech is a goldmine for hackers. Your app handles: Personal identifiable information (PII) Credit card and banking…
Education is getting more expensive in Nigeria — whether it’s school fees, textbooks, or just day-to-day learning expenses. And if you’re a parent, student, or guardian, you’ve probably asked yourself, “How on earth am I supposed to save up for all of this without breaking down?” Luckily, fintech is here to save the day. Thanks to a new wave of savings platforms in Nigeria, it’s now easier (and smarter) to plan and save specifically for education — whether it’s primary school, WAEC fees, university tuition, or even post-graduate studies abroad. Let’s break it down. 1. Why You Should Plan Ahead…
If you’re looking for legally approved cryptocurrency exchanges in Nigeria, you’re in the right place. With the country’s growing interest in digital assets, legal compliance has become more important than ever. The Nigerian Securities and Exchange Commission (SEC) has ramped up regulations to protect users, ensure transparency, and curb fraud. Today, only platforms that meet strict regulatory standards are allowed to operate. In this article, you’ll discover: The top SEC-approved crypto exchanges in Nigeria Their unique features Why legal trading is essential for protecting your funds and future Why Legal Compliance Matters in Nigeria’s Crypto Industry In recent years, the…
In Sub-Saharan Africa, insurance penetration remains below 3% — a staggering contrast to global averages. Millions face health emergencies, climate risks, or business losses with zero financial protection. Why? Traditional insurance models are expensive, complex, and often inaccessible to rural and low-income communities. But a silent revolution is underway. Fintech (financial technology) is rapidly transforming this narrative. By leveraging mobile money, digital wallets, microinsurance models, AI-driven platforms, and peer-to-peer innovations, fintech is bringing affordable insurance to the fingertips of millions who were previously left out. Why Sub-Saharan Africa Needed a Fintech-Driven Insurance Revolution Challenges Faced: Low trust in traditional insurance…
Did you know Nigeria’s fintech industry just hit a whopping 70% growth — despite all the government pushbacks, economic hurdles, and regulatory uncertainties? Yes, you read that right. Nigeria, often called Africa’s largest fintech hub, continues to lead the continent in digital financial innovation, even as the Central Bank of Nigeria (CBN) keeps pulling regulatory brakes. Let’s break it all down: Why Is Nigeria’s Fintech Growing So Fast? Despite regulatory crackdowns and economic instability, Nigeria’s fintech space is booming. Here’s why: ✅ Massive Youth Population Over 60% of Nigeria’s population is under 25. These digital natives are hungry for mobile…
Let’s be honest — if you live in Nigeria today, you know one thing for sure: The way we handle money has changed forever. Listen, Gone are the days when we lined up inside bank halls for basic transactions. But look what has changed now. First, we don’t have to carry bags or Ghana-must-go bags to the bank or even a briefcase full of money anymore. Because life has become easier than before, and part of what makes life even easier is the innovation of our phones. With just a phone, you can send, receive, save, borrow, or even invest…