Fintech & Web3 Founders Podcasts Series

Helping underbanked households in Nigeria (Carbon with Chijioke Dozie) | Fintech

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Welcome to the 9th episode of the Fintech Founders Series! This time we explore an Africa’s fintech success story of Chijioke Dozie, the CEO of Carbon, a credit banking app that is rewriting the rule of lending in the region. Carbon is providing millions of underbanked households in the continent easier access to credit along with a huge financial services suite such as its new BNPL app launched in June 2022.

The insightful discussion along with our hosts, Ronit Ghose and Gaurav Dhar, sees Chijioke shared his years of experience and knowledge on the Fintech evolution in Africa and the credit gap that remains a huge problem to solve for Carbon. Among many topics covered:

🔹 Fintech emergence in Africa

🔹 How has consumer lending changed in Africa

🔹 Success story of Carbon

🔹 Being a challenger bank and solving consumer problems

As Chijioke said,

“Customers are still underbanked, and that’s the challenge for ourselves that we need to solve this problem – that’s where the future is.“

Chijioke Dozie, the CEO of Carbon

You can watch the sessions below on Youtube, or listen it on Apple and Spotify Podcasts.

Episode Guest

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Podcast hosts

Ronit Ghose

Ronit Ghose is the lead author of Citi’s GPS Bank of the Future and FinTech report series – the first edition has had more than 250,000 downloads making it the most read report ever published by Citi, and one of the most read FinTech reports ever published. Since joining Citi in 1997, Ronit has covered banks in the Americas, Asia and EMEA. He is the Global Head of Future of Finance in Citi Research. He is also an Advisory Board Member at the Centre for Finance, Technology, and Entrepreneurship. Ronit previously worked at the British Bankers’ Association and as a research assistant in Parliament. He has an undergraduate degree from the University of Oxford, a postgraduate diploma from the University of London and is a CFA charter holder.

Gaurav Dhar

Gaurav Dhar is the CEO of the Payments Solution Provider Marshal in Dubai. Gaurav has been working at Marshal for over 19 years now He strives to continually be on the frontier of building FinTech ecosystems and solutions. His personal time is spent on working with and investing directly in innovators, with a view to the future of Fintech both locally and globally via his cache of relationships which include VCs, incubators, accelerators, and start-ups and Angel Syndicates. In his position as a board member of the MENA FinTech Association and several advisory positions to international family offices, start-ups, and funds, he looks to grow the relationships within the FinTech and start-up ecosystem to contribute towards the education of budding disruptors and eventually the growth of economies and the job market where possible in the MEA Region and abroad.