About
Moruf Oseni leads Wema Bank, the institution behind ALAT, Nigeria's pioneering fully digital bank. But Wema's more important transformation may be what happened next: instead of treating fintechs as competitors to be contained, the bank increasingly positioned itself as infrastructure for the companies reshaping financial services. Through partnerships and banking-as-a-service capabilities, Wema has become an important behind-the-scenes participant in Nigeria's fintech ecosystem. Oseni belongs on the Borderless 100 because he represents a shift in African banking: the strongest incumbents are learning that they can win not by owning every customer relationship, but by powering the platforms that customers increasingly choose.
Profiles 
