NIBSS, but for the credit ecosystem. In an earlier post, I wrote about my previous company, Klump. I talked about the painful challenges of building a credit based business in a market like Nigeria. In this post, I will discuss the challenges associated with eligibility checks and propose what I...

The End of the Road for Klump A thank-you note from Celestine Omin and Olufunbi Falayi Five years ago, we started Klump with a simple premise: let Nigerian consumers pay for goods and services in instalments at checkout (Buy Now, Pay Later), and make it fast. Sub-five-minute fast. We believe...

Dear Lee, Happy 9th Birthday, my amazing boy! 🎉💙. Every year, I write you a letter on this day—part birthday tradition, part love note, part record of all the incredible ways you’re growing. And every year, I wonder how it’s possible for one little boy to pack so much brilliance,...

Now, let me tell you a quick story. One night, the Holy Spirit pulled me aside and gave me a serious heart check. See, I used to get really worked up over little things in my relationship. I’d major on the minors. One of those “minors” Nene (a.k.a. Management), and...

Dear Lee, Happy 8th birthday, my wonderful son! As I sit down to write this letter, I’m filled with pride and joy thinking about the incredible year you’ve had and the amazing person you’re becoming. What an exciting year it’s been! I remember how nervous you were when you first...