Intelligent Systems
A curated collection of AI tools, automation frameworks, and product systems. Each represents a real problem solved with architecture and intent.
Stanbic IBTC: USSD Channel Re-Platforming
LiveProblem
The *909# channel ran on a legacy menu manager that had been retired by its vendor and was no longer supported, creating live security exposure. It caused frequent downtime, capped scalability, made shipping new menu options slow, locked the bank into a single vendor, and drove a high session-timeout and failure rate at growing cost.
Outcome
Rebuilt on event-driven containerised microservices with Kafka as the messaging backbone. 500% increase in monthly session volume post go-live. 99% availability restored. Platform-side session response time cut by up to 90%. Feature release velocity up 60%. Delivered as a big-bang cutover under enforced regulatory, security, and compliance controls.
Stanbic IBTC: NIBSS National Payment Stack Integration
LiveProblem
NIBSS launched the National Payment Stack in 2025, requiring Nigerian banks to migrate from the legacy NIP ecosystem to ISO 20022-compliant real-time payments infrastructure. For Stanbic IBTC, this meant aligning core banking, digital channels, middleware, compliance, operations, and treasury simultaneously while building reconciliation as a first-class operational requirement from day one.
Outcome
NIBSS certification achieved. All digital channels enabled on the NPS rail. Automated reconciliation and dispute management operational at go-live. Full operational readiness across support, fraud monitoring, and business continuity delivered alongside the technical integration.
Stanbic IBTC: FIRS e-Invoicing Compliance
LiveProblem
FIRS mandated e-invoicing integration for large taxpayers by January 1, 2026. Two months to coordinate six teams, work around an infeasible SAP integration, and go live with no Nigerian banking precedent.
Outcome
Full compliance on Day 1. Zero penalties. SAP workaround delivered on time. Post-go-live transmission bottleneck resolved without a compliance gap.
Stanbic IBTC: EasyBuy Consumer Finance
LiveProblem
Customers lacked accessible financing options at point of purchase, limiting retail partner conversion and bank revenue.
Outcome
Launched EasyBuy across multiple retail verticals with streamlined onboarding and instant POS credit decisioning.
Learning & Development Programme Design
LiveProblem
A manual Excel-based workflow across 5+ subsidiaries produced a 90% data-entry error rate, 5+ day approval cycles, and no real-time visibility for HR or leadership.
Outcome
Delivered end-to-end in 8 weeks. Achieved 95% adoption across 2,000+ employees within 3 months, cut data-entry errors by 90%, and collapsed the approval cycle from 5+ days to under 24 hours. Subsequently adopted by Southern African subsidiaries within the Standard Bank Group.
AI Resume Analyzer
LiveProblem
Job seekers struggle to understand why their resumes are rejected by ATS systems.
Outcome
3x improvement in interview callback rate for beta users.
AI Research Agent
LiveProblem
Research tasks consume 60% of analyst bandwidth with diminishing accuracy at scale.
Outcome
Delivers structured research reports in under 3 minutes.
Stanbic IBTC: Digi Assist, On-the-Go Account Opening
LiveProblem
Nigeria's CBN tiered KYC framework created a gap: Tier 3 accounts existed on paper but required in-person visits and manual verification that locked out the people the regulation was meant to serve.
Outcome
Nigeria's first end-to-end digital Tier 3 account opening platform. 20,000+ accounts opened within 3 months. Hours to minutes. 15% market share growth. Beyond Excellence Award.
Multi-Agent Market Research System
LiveProblem
Smart Money Nigeria's manual research and reporting process for its professional investor community limited the speed, consistency, and scalability of market intelligence delivery.
Outcome
Automated the full research pipeline from data gathering to structured report generation, enabling faster, data-driven market insights at scale for the investment community.
Automation Workflow Engine
LiveProblem
Repetitive manual workflows across tools drain team productivity.
Outcome
Automated 15 workflows saving 20 hours/week per client.
Trading Intelligence Agent: NGX Equity Research
LiveProblem
NGX equity research is scattered across broker emails, PDF reports, analyst houses, and macro feeds. Pulling it into one coherent weekly view by hand is slow and inconsistent, and there is no single synthesised briefing that tracks how the picture changes week to week.
Outcome
An autonomous Sunday pipeline that gathers and cross-checks 20+ sources, backtests its picks against the ASI, compares week over week, and posts a 7-section analyst briefing to Slack. Accuracy-first by design: the model proposes, but every price, fundamental, and macro figure is reconciled in code against authoritative feeds, and anything unverifiable is flagged as an estimate. Cost engineered to roughly $1.72/month.
Ventures (In Development)
Three AI products in development. Each starts from a problem I believe is underserved.
Yourly: AI Accountability Partner
In ProgressProblem
Standard productivity apps help you organise tasks. They do not help you start them. Procrastination is not a list management problem, it is an emotional one.
Outcome
Full PRD, 4-workflow n8n backend architecture, and admin portal spec delivered. MVP in development.
Lameda: Commerce Infrastructure for Nigerian Merchants
Pilot LiveProblem
Nigerian merchants run multi-million naira businesses through WhatsApp voice notes, manual bank transfers, and Excel sheets. Every Western SaaS tool was built for a different market.
Outcome
Pilot demo live at www.lameda.com.ng. 9 sprints shipped: AI conversation engine, Paystack subaccount splits, human handoff, NDPR-compliant broadcasts, subscription billing, and merchant CRM.
Dwella: Trust-First Property Discovery
In ProgressProblem
Nigerian real estate is broken at the trust layer. Listings are frequently fraudulent, viewings require physical presence, and payments happen informally with no security mechanism.
Outcome
PRD v1.0, system architecture, and design alignment completed. Platform in development.