Good Shareholding, The Cap fits TAP, The Power Behind Cowry Card, Ije Card, etc

I first met them in a modest office on Adeola Odeku Street in Victoria Island, Lagos. They had a small piece of technology, but I was completely sold on the vision.

Today, Touch and Pay (TAP) powers governments, enterprises, and millions of users across Nigeria. Olamide, Kabir Aderemi, and Michael set out to solve what looked like an impossible problem: How do you profitably digitize collections of ?60, ?100, or ?200?

Using traditional global payment rails such as Visa and Mastercard would have made the economics almost impossible because transaction fees could consume much of the revenue.

So they did something different. They built a new payment protocol designed for the realities of the local market. Today, from Lagos to Enugu, from Kano to many other cities, that innovation is powering everyday transactions at scale.

The lesson is timeless: learn from global innovations, but build for local realities. Great companies are not created by copying the world; they are created by understanding local market frictions and engineering solutions that fit.

Today, Touch and Pay has become Africa's leading micro-transaction payments company, and it continues to expand into new markets and opportunities. When I write of good shareholding, the cap fits TAP, the power behind Cowry Card, Ije Card, etc across Africa.

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