Building Africa’s Credit Intelligence Infrastructure.

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Available for keynotes, panels, and guest lectures. In-person or virtual.

About the Book

African financial infrastructure is the world's most overlooked financial system. With 300 million credit-invisible adults, 68% mobile money penetration, and a $100B+ credit gap, the continent is building financial rails from first principles — not from Western templates.

This book examines how African markets are redesigning credit, payments, and regulatory frameworks for mobile-first populations, data-scarce environments, and fragmented jurisdictions. It draws lessons for fintech, regtech, and financial infrastructure globally.

From the rise of mobile money as a settlement layer to the development of alternative-data credit scoring models, African financial infrastructure offers a blueprint for financial inclusion that the rest of the world is only beginning to discover.

Building

AfriScore — Refining the alternative-data credit scoring engine. Running validation trials with a microfinance partner in Kenya. The ensemble model is demonstrating strong predictive accuracy on out-of-sample data.

JQ.AI — Open-source legal AI platform for African jurisdictions. Expanding coverage to include more OHADA and ECOWAS legal instruments and improving the 4-stage citation verification system.

Studying

MSc Law & Finance — Oxford — Writing my dissertation on algorithmic trading regulation and systemic risk in OHADA jurisdictions.

MSc Financial Engineering — WorldQuant University — Advanced stochastic calculus, derivatives pricing, and portfolio optimization.

Reading

The Order of Time — Carlo Rovelli
Debt: The First 5,000 Years — David Graeber (re-read)
The Technological Society — Jacques Ellul
Principles of Corporate Finance — Brealey, Myers, Allen
Reinforcement Learning: An Introduction — Sutton & Barto

Thesis

The most undervalued opportunity in technology today is financial infrastructure for emerging markets — specifically Africa. 300 million credit-invisible adults. 68% mobile money penetration against 34% bank account penetration. A $100B+ credit gap. The rails are being built now, and the companies building them will define the next two decades of African economic development.

I invest in founders who understand that African markets require infrastructure built from first principles — not Western products with localised interfaces. The winners will be those who build for mobile money rails, fragmented regulatory environments, and data-scarce conditions.

What I Look For

Domain depth — founders who have lived the problem. Not tourists. Not "Africa enthusiasts." People who understand the market microstructure because they've operated in it.

Technical defensibility — not just a wrapper around an LLM or a mobile money API. Real infrastructure. Proprietary data, novel models, or network effects that compound.

Regulatory sophistication — operating across OHADA jurisdictions, ECOWAS, or EAC requires understanding the legal architecture. Founders who see regulation as a moat, not an obstacle.

Capital efficiency — the best African startups I've seen generate revenue before raising. They understand that capital is a tool, not a business model.