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From Paper Loans to AI Banking

Silicon Overdrive Founders Series

Chijioke Dozie is co-founder and CEO of Carbon, a credit-led digital microfinance bank in Nigeria serving consumers and SMEs through a fully digital platform. In this episode we get into why Nigeria's $5 billion consumer credit market is a fraction of South Africa's $500 billion, why the "Bank of Family and Friends" is still the country's most popular lender, and how Carbon went from paper forms and foot soldiers to 8,000 loan applications a day overnight. We also cover funding discipline, the 0-to-1 founder identity crisis, AI in financial services, and why remote work penalises junior employees.

From Paper Loans to AI Banking

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