Tayo Oviosu
@oviosu
Followers
73,957
Following
4,146
Media
6,577
Statuses
71,407
Hubny | Dad to 日章 & אליענה | Founder & Group CEO @Paga + @doroki_ng | @Kairosangels | @ALAcademy Foundation | @Bakcollege , @USC , @Stanfordgsb | @ChelseaFC fan!
Lagos, Nigeria
Joined April 2009
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Pinned Tweet
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A major failure of the Nigerian education system is that kids are not taught to be curious. To interrogate why things are the way they are. To ask questions and reason them out logically. To debate in order to learn.
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Was just on a call with an old friend of my mom.
She says: True Caller brought your name up as Tayo Oviosu Paga. Are you a Paga agent? 😀
❤️❤️❤️
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Nigeria needs to move away from the concept of "state of origin" and move to "state of residence".
We should have a public debate on this.
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.
@segalink
you've been working tirelessly for years on this matter and now too - I know. But honestly your tweet was very irresponsible. Many of us, including me, have our experiences of police brutality. The joint goal is simple - end police brutality! It is together we achieve
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I left Nigeria alone at 16 with $5k for school fees and upkeep..
Not once did I think I should turn back and go back to Nigeria (till much much later - 14 years later) but it was a real struggle to make ends meet and not rosy at all. Briefly some of my challenges:
Being a…
At some point in your japa journey, did you ever think leaving Nigeria was a bad decision? Please share with us 🤲🏾
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I have no shame in asking for what I want. Always.
I encourage you all to learn this. Be polite, and be clear.
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Look at what we have in the gutter on Bourdilon Road in Ikoyi. This is just from a small section.
The way Nigerians litter is quite bad...
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Exciting news for creators and businesses on Twitter!
You can recieve tips - get rewarded for your content - on Twitter via
@paga
🥳
Sign up for Paga and you automatically get a link with your username
Get started at
#JustPagame
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I think the US needs international observers this November election :)
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Hey
@ChelseaFC
can we
@paga
do a sponsorship deal for your shirts? Since you can't get the payments now we structure to fund Ukrainian (after the war) & Nigerian kids to go to school?
Hit me up if interested
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"You're not ambitious enough" he said to me and my CTO...Then asked me if I knew this other company, Dash, who was doing crazy numbers...He then led their seed round...
Well...here was your ambitious founder...
😂
Dash, the Ghanaian fintech has shut down. The startup raised $86.1 million in five years and attracted big-name investors. It raised $32.8 million in a seed round—the second largest seed round for an African startup—in 2021.
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@tovers98
@TheSecretScout_
Not the war excuse...
Not saying he must post but I think the war isn't a correct excuse... even the president has time to pose for vogue 🤪
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In 2010 my driver & I were beaten by the police guards of
@followlasg
gov
@tundefashola
. They threatened to lock us up. We were scared for our lives. No one knew where we were. All because I took photos of the iconic Nitel building in Marina.
#EndSARS
#EndPoliceBrutalityinNigera
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I'm excited to announce the Paga Collect API!
Request Payments Directly Within Your Application
Enable P2P without needing customers to provide their bank login details
Read about it here:
Get Started at
#makinglifepossible
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The respectable thing to do, Sir, is resign. If this were South Korea or Japan, that would happen today.
This is the toughest night of our lives as forces beyond our direct control have moved to make dark notes in our history, but we will face it and come out stronger.
I've just concluded visits to hospitals with victims of this unfortunate shooting incident at Lekki .
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Pushing hard does not mean shouting at people and being verbally abusive. Please let us hear word...
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I do not appreciate you bullying our colleague. You can go and stay in your corner of the world ✌🏾️
We ❤️
@ozzyetomi
& our team
#onePagateam
@mypaga
I will advise that you start recruiting process for a Comms Strategist position this
@ozzyetomi
may hinder your mission and objectives.
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Really proud of the “General”, my 97 year old grandmother-in-law, who was conferred Member of the Order of the Federal Republic.
She has served her community in Calabar for decades. Opening her home to the homeless & less fortunate.
A true example & a lovely human being 🎉
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My first boss at Deloitte, Kevin Kelly, gave me the best advice on day one:
"Your job is to make me look good. Do excellent work & I'll keep giving you more responsibility. Do that and I'll take care of you"
Taking this advice to heart has had a positive impact on my career!
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One issue Nigerians need to address is their discomfort with people who hold different views. We let things get personal too quickly.
It is fine to disagree. Listen, understand, debate, don't hold it against people.
We need to understand this very basic tenet for progress!
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I'm beyond done with all the leadership in Nigeria. Y'all are a disgrace to a great people. All of you. No exceptions. APC, PDP, whatever you call yourselves. Useless.
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Nigeria's 2020 budget is $34b.
The UK spends $11b on just the NHS a month.
Good night.
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Found an old coaster biscuit in my drawer. Compare it to one I bought Friday and you see how Newbisco (the manufacturer) is dealing with inflation in Nigeria
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Saw tweet of someone announcing leaving fintech A for B. Just less than a yr ago he announced joining A.
Genuinely worried for the remote work generation that bounces around.
Future employers will wonder if there is a reason you couldn't stay longer than a year anywhere 😐
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The lack of a functional judicial system is the beginning of most issues in our society in Nigeria.
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I'm so proud of
@AffiSupaStar
& team
@ReelFruit
as they inaugurate their new factory in Ogun.
800 Metric ton dried fruit processing facility running 100% on gas!
Creating over 280 jobs!
Affi's tenacity has been a joy to witness. I can't wait to see Reelfruit in Whole Foods!
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You can always find Nigerians everywhere. Just met 3 Nigerians who live in Soller, Spain. A small village on the Mallorca island. I saw the traditional attire and overheard them speaking Igbo so I went to say hello. They live here...
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In July,
@mypaga
crossed N1.5 Trillion in transaction value proceed since commercial operations launched Aug 2012!!
Using nominal exchange rates each month this is $5.4B!
Thanks Naija for your trust in Paga 🙌🏾
#makinglifepossible
#JustPagait
*242# or
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@flavrdholywater
@steveabbey_
😂 there is no "cultural context". We are all equally confused or rather...clear that something is up 😂
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💯
At a time when divorce was really frowned upon my mom left her marriage for her mental well being. The trauma she faced in that marriage affected her quite a bit. I'm glad she did, had me after and never married my dad.
I was at a large dinner a while back and realized on the table only three women were still married. I am really happy that in our generation its becoming (more) normalized for women to end bad marriages not suffer and smile for the optics.
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One wish for the world today.
Remove the phrase "Person of Color" from all our vocabulary.
I'm not a "Person of Color"
I'm a Person.
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It's a breach of trust for an employee to leak a company town hall video or any content of confidential communication.
People need to take this seriously as we probably all want our company leaders to be transparent and open especially in a time like this.
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So excited! 10 years ago today I embarked on a journey to solve the "use of cash" 🥳🥳🥳
I was tired of carrying wads of cash & dealing with POS errors.
@mypaga
was born out of my frustration & decided to solve what is a global problem.
Thank you Nigeria for trusting us 🙏🏾
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@stephenasmith
This was rude and disrespectful to the Nigerian players. You should apologize.
You know better "Stefffeen, however the hell you pronounce your name, Smith"
You'd be livid if someone did that to you!
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I gather that now, to renew your passport, you need to get a letter from your state of origin showing that you are from there.
What sort of STUPID policy is this?
So I should go to Edo State, which I have visited two or three times max, to get a document. How would they know I…
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I've been quite surprised at the number of people who expect me to have the same political views as my wife.
Where does this line of thinking come from?
No two people share the same brain so why can't we have different views and that be ok?
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Big Milestone for Paga
@mypaga
& Digital Acceleration
We crossed 3 Trillion Naira in transaction values processed since the start of commercial operations in 2012.
Hit N2 Trillion in March 2020
Hit N3 Trillion in May 2021
15 months to process 1 Trillion!
🚀🚀🚀
#JustPagait
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Beyond embarrassing - this is the post office in the most expensive zip code in Nigeria
From the post master general to the president they should all be ashamed
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Super proud of
@TemiMarcella
& the exceptional work she has done to bring a world class hospital to Nigeria - Evercare Hospital Lekki!
I just got a chance to do a tour of the hospital & I'm impressed!
Thread 👇🏾
#changelives
#changeorganizations
#changetheworld
@StanfordGSB
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It's
@JAMBHQ
season again! Time to take exams and look towards university...
From 8th April, you can EASILY buy your JAMB e-PIN on
@mypaga
and get a NGN100 cashback!
Download the Paga app now -
#findyourfreedom
#MakingLifePossible
#JustPagaIt
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Congrats
@MI_Abaga
&
@EniolaMafe
🎉🎉🎉
May God bless your union and I wish you a life together filled with laughter and God's blessings! Love you guys 🙌🏾
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Of all the Democrats who ran for president this cycle,
@AndrewYang
would have been their best chance for victory. Amazing how the "establishment" did not see that. They might still win but not with the level of enthusiasm Andrew could have generated.
Andrew Yang urges Nancy Pelosi to take Trump's latest stimulus offer: "Nancy Pelosi and Congress please, I know you don't love President Trump but the American people need relief and this is a good deal for millions of Americans."
WATCH:
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The Paga Group has redomiciled to the UK 🇬🇧!
The Paga Group is the holding company for our operations in all countries - Nigeria, México, Ethiopia, and the United Kingdom.
Very excited about this move and look forward to working with
@tradegovuk
to promote trade with the UK!
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@OluyomiOjo
Good question. I should do better and not use my phone during online church. I'll stop using it. The reason I tell you not to use it is so you can be focused on the sermon. I should also be focused. I'll do better. Thanks for calling out my hypocrisy. Do you know what that means?
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Naija...there are companies fighting & you might not be able to easily buy your airtime from your bank.
Look
#findyourfreedom
Buy your airtime or data on Paga & get 2% cash back
Download the new Paga App & find your Freedom!
#findyourfreedom
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An interesting fact about Nigeria is that you never know how well connected people are.
Play nice.
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For those analyzing fintech in Nigeria:
1. App downloads does not equal registratiins & is vanity. True in general but also smartphone penetration is very low - most consumers are USSD or agents to access services
2. Registered users does not equal activated user
✌🏾️
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I've found Twitter to be better tool to meet people - or network - thank LinkedIn.
Wondering why?
My initial thought is that Twitter is more like the bar (casual) while LinkedIn the conference (need to be on A game but want to get the hell out asap)...
What do you think?
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Major kudos to my team
@paga
. We are achieving very strong numbers across all our business areas.
2021 full year:
35m transactions
N1.2 Trillion
2022 through May:
25m transactions
N1.2 Trillion
Engagement and use of Paga & Doroki is scaling fast 🚀🚀
Thx to our customers 🙏🏾
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Probably the most painful thing in Nigerian banking is to seek a refund on a transfer you mistakenly sent to the wrong Bank acct.
The process is painful, the recipient might run with the money, so many issues.
Always double and triple-check you are sending to the right acct!
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Wole Soyinka came up to me once and asked if we knew each other. I told him no but it was a pleasure meeting him. I then introduced myself and asked him to take a picture. He didn't respond but just bone faced walked away. So rude.
Please move seats! 🙃
For those saying "I would have used the opportunity to talk to Wole Soyinka..."
Well, I have shared a seat with Wole Soyinka at the OR Tambo in South Africa waiting for a flight. Everyone who tried to talk to him was declined with a hand wave.
To Jesus be your glory.
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Let's be clear as well, the
@inecnigeria
process for voting, collating the votes, and announcing them, is worse than my 4th-grade elections for class captain. And I'm being generous.
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I think Nigerians should stop celebrating "independence" from British rule. Feels to me we need another independence from our current political class. All parties included in that conclusion. Everyone. The people of Nigeria need a real democracy at all levels of governance. QED!
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Starting and running a business in Nigeria is HARD! Can't over state it.
Doing this in Northern Nigeria & in Agriculture is beyond beyond HARD!
Major kudos to
@ShoutsAndMiras
for her tenacity and dedication to her vision 👊🏾
Processed Tomatoes coming right up! 🥳🥳🥳
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I had the most epic France v Argentina world cup final on
#Fifa23
yesterday...I played as France
Argentina went up 2 nil in the first half but France fought back to tie and force extra time...Mbappe fired in two goals in the first half of extra time to win it!
#FIFAWorldCup
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Paga Group is a teenager today! What started out as a simple idea to make it simple to pay & get paid is now 3 business lines:
- Consumer Payments -
@paga
- Embedded Finance - Paga PaaS
- Seller/Merchant -
@doroki_ng
Thanks to our amazing team 🎉🎉🎉
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Just found out you can send a WhatsApp to yourself...some people do this with slack to take notes or set reminders
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With the Paga team today for our quarterly town hall...We've had a strong year so far & I'm excited to share with the team as we outline our path towards end of year!
TPV is accelerating:
2021: 1.2 T Naira
2022: 3.2 T
2023 (Jan - Aug): 3 T!
August was our highest TPV ever 🚀
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.
@HarvardHBS
wrote a case on
@paga
🎉🎉
I was just a guest at the first teaching of the case & it was a fascinating discussion.
The case is still confidential but should be made public later in the year and then taught to the MBA class.
#JustPagait
#grateful
cc
@jjalabraba
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A hill I am willing to die on
Working in person with a team >>>>>>>>>>>>>>>> remotely
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So excited for my friend's niece who just got accepted to:
1. Duke
2. WashU
3. Princeton
4. Cornell
5. Emory
6. Vanderbilt
7. U. Michigan
8. U. T Austin
9. U. North Carolina
10. U. New Mexico
11. Columbia
12. Harvard
13. UCLA
14. U.C Berkeley
15. USC
16. Stanford
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All Nigerians are under banked. This is a sad reality.
If I want a new car in the US, I don't call my bank in advance. I walk into the auto dealer, pick the car, take a seat, fill the loan application, and in less than 30 mins walk out with the loan and car.
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A major Nigerian bank is rejecting a resolution because it was signed using DocuSign.
Their feedback is that we should sign "physically or digitally." 🙈
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Leading teams is HARD. Building a business is HARD.
Kudos to those who give leadership a shot, whether starting their own business or in an existing business.
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Rest in Peace my Superhero 😞
Thanks for giving me the gift of life.
Thanks for teaching me so much about life and business.
Rest well mom 😘
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Poch has shown us clear example of his poor tactical sense.
Only a stupid coach would change defenders with 3 mins to go and just before a set piece when up by only one goal and playing a team in relegation zone.
And it was the two new players that screwed up
#Pochout
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Buy your
@MTNNG
airtime or data easily on Paga
@mypaga
!
Download the new Paga App & find your Freedom!
#findyourfreedom
#JustPagait
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Investors also have to take some of the blame.
One told me I was not ambitious enough. He went on to write a $30m seed check to a company no one had heard of before, and that was not regulated.
Two years later, he is in court and on the media saying the founder was fraudulent.
Fraudulent founders not only undermine investor confidence but also betray the trust of their team, who have invested their time, energy, and careers into building the dream articulated by the founder. They undermine the quality of future talent and hurts the ecosystem deeply.
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Paga recently launched Persistent Payment Accounts for developers to use to collect payments via bank transfers.
Our goal is to help spur on the internet economy in Nigeria by making our APIs easily accessible
More APIs soon!
Visit to get started!
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Congratulations
@AffiSupaStar
- winner of the first Nigeria
@VeuveClicquot
Bold Woman Award 🎉🎉🎉
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😂 I had muted responses so didn't notice the Immigration Service official handle responded.
Sigh.
Thanks for responding
@nigimmigration
, but with all due respect, your response does not convince me of anything. This "well thought out policy" is stupid and does not achieve…
Thank you very much for this “question”.
First off, you DO NOT necessarily NEED to go to your state of origin to get the “indigenship document”.
We are aware that most states have liaison offices in other states. For example, Anambra state has liaison offices in Lagos (Eti-Osa)…
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Celebrating 5 years married to my bestie
@AffiSupaStar
! Despite all my flaws she loves me and for that I am a lucky guy! 🕺🏾🕺🏾🕺🏾🕺🏾
I love you bae 😘😘😘
#affitayo2014
#1000hillsadventure
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@CFCDUBois
Werner worked hard for the team & more often than not made the right decisions. Even if he missed. He was decisive. No way he gets that 1:1 and not even shoot.
Jackson is playing rubbish out there. He should go and join our development squad.
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Now at the polling booth.
@TonyOElumelu
is also here and has a few words for everyone
#nigeriadecides
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Excited to announce
@mypaga
$10m Series B2 led by
@GlobalInnovFund
. Welcome on board & looking forward to partnering on the next phase of Paga's future as we look to scale our impact beyond Nigeria and indeed Africa!
#makinglifepossible
#JustPagait
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Just ran 1.5m w Mark Zuckerberg! He killed me 1st mile! Pushed me to 8min. Was so beat & slowed I missed a photo! 🙃
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Part 2:
Get very comfortable hearing "No". Accept it with grace. No one owes you anything.
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I sense no lies here. Well said.
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@AndrewYang
I support ranked-choice voting. Makes sense. Andrew Yang makes a lot of sense...
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For some reason I was quite happy to see a roof leaking at
@HeathrowAirport
and a bucket gathering the water. It's not only in Nigeria 😝
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26 years ago today I arrived in Los Angeles for college at the age of 16. All alone. What a journey it has been since then...
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The first electoral reform I want to see is scrapping the damn two weekend vote. We can vote for everyone in one go! Come on people!!
The second is electronic voting. Why are we still using paper and finger prints in 2023?!?
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