Notes on the work.
Op-eds and field notes on banking, fintech, and what we're seeing across Africa.
Every App Has a Fourth Wall. The Companies About to Win Are Tearing It Down.
For forty years, using software meant learning it first — the menus, the flows, the seven-click path buried three tabs deep. Google just removed that wall for two billion people, and almost nobody named it. Every business interface is next — and most teams are still polishing the wall instead of tearing it down.
The Forwarders Who Survive 2027 Already Know This. They Won't Tell You.
DSV is ripping out CargoWise. WiseTech just fired 2,000 engineers. The cost of running a freight business is collapsing in public — and the forwarders who move first will run on a base their rivals can't touch.
While the World Argues About AI, Nigeria Quietly Became the Place to Hire Engineers
The world is debating whether AI replaces developers. The smart money already moved to the better question — and the answer is a senior engineer in Lagos, pointing the same AI everyone has, at a fraction of the cost.
Africa Just Quietly Changed What It Teaches Its Children
Between September 2024 and September 2025, four African governments rewrote what their schools teach. The world barely noticed. Here is what it actually means for the next decade.
Nigerian Banks Are Winning the Wrong War
Nigerian banks are spending billions to close the gap to 2021. Nobody is building 2027.