Justin

@OPay_NG Okay thanks.

@Justin__Mark Hi @Justin__Mark, Thank you for contacting OPay! We apologize for the unpleasant experience. Kindly note that feedback has been provided to you via DM to assist you further. Thank you for choosing OPay. E.M

@OPay_NG - you've spammed me with calls about easemoni. 20+ calls from bots just this week. I'm not even owing money and I'm not interested in the coupon yet. Pls fix it. Thank you.

@sofreshng_co @gkbalogs Okay. Thank you. 👍🏿

@Justin__Mark @gkbalogs We are not in Uyo at the moment.

This is why Ayo is one of the best Strategy heads in Africa.... he eats So Fresh. If you want to be like him, top in your field, patronize @sofreshng_co Thank me later.

Aliko Dangote couldn't find enough trucks in Nigeria for his refinery. So he bought 10,000, built a jetty to bring them in, and built a highway to the port. @TheFlutterwave is doing the fintech equivalent. I wrote this morning that "the line between bank and fintech is blurring faster in Nigeria than anywhere else on the continent" — well, Flutterwave just provided the latest proof. For the last decade, Nigeria's most valuable fintech built payments infrastructure on top of the banking system — relying on partner banks to hold deposits and settle funds. Today it announced securing a banking license. Now it can hold the deposits itself. "We can now control the value chain of payments in Nigeria," CEO @TechProd_Arch said. "Our destiny is now in our hands." You don't just build payments. You build the banking infrastructure reliable payments requires. -- Read this morning's post here: x.com/eajene/status/… Afridigest Intelligence — real intelligence to win in Africa's growth markets: afridigest.com/intelligence

@access_arm Pls check your DMs @access_arm

Today, we celebrate the power, resilience, and brilliance of women everywhere. When we give, empower, and multiply opportunities for women, we all rise together. Here’s to lifting each other and building a brighter, stronger world, every day. #IWD #GiveToGain

I digested a paper from Nobel winner Acemoglu and a couple of others with the help of notebookLM and learned a few things. 1. A.I is a bet on replacing labour with capital – when capital replaces labour, it worsens inequality. Rich get richer, poor get poorer. 2. The cost of capital compared to the cost of labour is a significant driver of automation. Part of why A.I investments make sense is because taxes make labour more expensive in the U.S. 3. Previous automations lowered costs and improved productivity, leading to more money chasing fewer goods & services, thus stimulating growth in the economy to meet that extra demand. Lots of A.I lowers costs only marginally (likely within the margin of the difference between taxes on labour and capital) and isn't really improving productivity. So no wage growth, no new demand to cater for, and no new goods and services. 4. A.I growth is effectively being subsidised by (the U.S) govt. A.I is largely cost-cutting and not value-creating, with a minimal productivity effect and low replacement effect. A.I will thus lead to stagnating growth, and I believe over time governments will realize this and tax A.I so as to promote replacement jobs and avoid deadweight A.I. Jobs provide a significant social benefit that data centres and frontier models don't. 5. With A.I, jobs are moving from being defined as a whole block into a number of tasks. Tasks will continue to be taken away, especially where judgement isn't required. Perhaps modular (informal) judgement jobs is where we end up, and govts that can will provide more welfare payments to the poor. 7. In informal economies like Nigeria with low wages and low productivity, A.I will not replace many jobs. The limited formal jobs we have will hardly change by much. What A.I will do to informal jobs is yet to be seen. Maybe replacement opportunities abound there? Our govt's A.I strategy has to be at the implementation layer of our informal economy and then work backwards. 8. What does this mean for the future of work? There will be clear winners and losers from A.I. To be a winner, break down your job into tasks. Understand where human judgement is needed and get super skilled in that area. Usually it would be around relationships and tacit knowledge that's difficult to codify. Or areas where responsibility is needed. I'm still learning about the economics of A.I. Please share your thoughts, learnings and reference articles.

The three forms of capital are knowledge, reputation, and capital.

One of my favorite sayings is: “A dog with two owners dies of hunger.” In the early days of Seamfix, we had our own version. We called it Nnochimpesin. Anytime my cofounders and I were discussing work and the word “we” showed up too much “We need to write this” “We need to call that person” “We need to debug this logic” One of us would smile and say, Nnochimpesin. Which means “pronoun” in Igbo. We’d laugh, but the point was serious. “We” meant the work had no clear owner yet. Everyone assumed someone else would act, and nothing moved. Over time, I’ve learned this clearly. Shared responsibility is fine for big or complex work. But progress accelerates when there is a single owner. One person accountable. Or as my partner Chimezie @Wyze_wun likes to say, a single throat to choke.

If luck is preparation x opportunity, then you can get more lucky in 2026 by: 1. Becoming a high agency person 2. Honoring people 3. Showcasing your work & expertise more 4. Seeking out insightful information (beyond the headlines or whatever the crowd is pushing) Number 1 keeps you prepared, numbers 2 to 4 broadens your chances of getting more opportunities

A common mistake I see is people losing an executive’s attention because they start rambling the moment someone asks for an update. Too many details, too much story. No clear point. When someone says “Give me an update”, they just want a headline they can act on. Example Bad: “We had a few meetings, design is reviewing, backend is almost done, QA is waiting, we’re syncing again tomorrow…” Good: “We’re 80 percent done. On track to ship Friday. Only backend validation left.” If they want more details, they’ll ask. That’s when you go deeper. Start with the answer first. Explain later. It makes everyone’s life easier.

We're super excited for this special partnership with @3MTTNigeria 👏👏🚀🚀🚀🤝🤝🤝

End of year campaign ideas to delight your customers open.substack.com/pub/thebuyersy…

Nothing sharpens your product thinking like actually building a product.

As a founder, it’s easy to get so caught up in the work that you don't get the chance to let people know who you are beyond the work. I fell into that trap too. But I’m changing that. Like they say, “The best time to plant a tree was 10 years ago. The next best time is now.” From this week, I’m building in public, launching my newsletter and sharing more content, not just about Onboard, but about the journey itself. Is it going to be easy? Definitely not. But I’m up for the challenge and I hope y'all keep me accountable. Let’s see how it goes 🌱

“There’s lots of ways to be, as a person. And some people express their deep appreciation in different ways. But one of the ways that I believe people express their appreciation to the rest of humanity is to make something wonderful and put it out there.

If you want to understand Finance and economics in an African context, check out my YouTube.

@heyOnuoha Great. Well done! 👍🏿

@Justin__Mark We built a proprietary software for managing sales and financials

Life Update: Started a pharmacy 😇

@cremechic11 Started a project that uses barcodes for stock taking and sales tracking, and that's how I learned about GS1 barcodes. Good to know there's more about them.

NAFDAC takes 300 pcs of stock (caps, tabs, syrup, etc) at the port for random sampling and testing for every drug entering this market. For products coming from India or China the testing is also done there before the stock gets here. What is being implemented now is GS1 traceability for every registered product, it’s being implemented in phases so hopefully by next year it’ll be fully covered.