Defaulting on a loan with some digital lenders can turn into relentless phone calls, frozen accounts, office raids, threats, and, in some cases, public shaming. In 2025, the Federal Competition and Consumer Protection Commission (FCCPC) introduced fines of up to ₦100 million ($72,000)—or 1% of annual turnover—for lenders who resort to harassment and intimidation as

As an experienced banking specialist, Chukwuemeka Mbachu believes banking is no longer just evolving, it’s being rebuilt; from products to platforms, from transactions to relationships, and from dashboards to something far more powerful: confidence. He is building at the centre of that shift, reimagining how people experience money in a digital-first world. As Director at