User:JinPatrick Leo Maduneme/sandbox

= Lloyd Adiele =

Lloyd Adiele (born January 16, 1977) is a United Kingdom/Nigerian tech entrepreneur. He is the founder of Fincode (previously CodersCode), a London-based R&D company focusing on digital financial services. He is a graduate of Computer Science from the University of Hertfordshire, United Kingdom. He also holds multiple certifications in Financial Technology and Digital Transformation. With a career spanning over 20 years, he worked as a solution architect in organisations such Zurich Financial Services, Deutsche Bank, International Business Machines (IBM) and many more. respectively before starting Fincode where he is currently the Chief Innovative Officer and Chief Executive Officer.

Early life
Lloyd was born in London, the United Kingdom January 16, 1977, to West African parents of Nigerian origins. In his early years, the family relocated to Nigeria where he spent his childhood. He return to the United Kingdom years later for his college education.

Lloyd’s early childhood in Nigeria and years in the United Kingdom exposed him to the challenges of sending money from Europe into Africa. This would later influence his passion and business career around cross-border payments.

Education
Lloyd graduated from the University of Hertfordshire, where he earned a bachelor's degree in Computer Science, Decision Support, Business Intelligence, Principles and Applications of WebServices. Afterwards, he attended the Cambridge Judge Business School, University of Cambridge and earned certifications in Digital Disruption and Digital Transformation.

In 2021, Lloyd completed the Oxford AI in Finance and Open Banking Programme offered by the University of Oxford. In the same year, he acquired certification in Financial Technology: Cryptocurrency, Machine Learning, and Digital Banking from Imperial College Business School, United Kingdom.

Early Career
Lloyd worked with a number of tech startups in sports betting, recruitment and TV before graduating from college. After his graduation, he began working as a Senior Java Developer with Betfair in 2004 before joining IBM, the United Kingdom quarters of the American multinational technology corporation, later that same year. He went on to serve as Senior Developer in Logica, where he was involved in the development and integration of Spine sub-system that encapsulates personal clinical data storing and retrieving, with sub-components developed by BT, Accenture, CSC and Fujitsu.

In 2006, Lloyd joined VocaLink where he was tasked with building a low latency electronic payment processing service capable of handling high volume demands required for SEPA service. He worked on building various modules for investment products at Zurich Financial services from 2007 to 2008. In 2009, he joined Deutsche Bank, a German multinational financial service company with interests in investment banking and asset management. Here, Lloyd was tasked with designing flexible solutions to accommodate Deutsche Bank's Stock Lending business. He remained at Deutsche Bank until 2011.

Fincode
Lloyd has always been passionate about removing frictions from the remittance process and reducing the cost of remittance into and around Africa, and beyond.

He founded CodersCode, first as a research, development and consultation company and gathered a wealth of experience building a variety of payment solutions for different brands. In 2014, he worked with First Bank of Nigeria to launch the First Global Transfer (FGT), a pan-African remittance network designed to promote the international transfer of funds across its First Bank of Nigeria subsidiaries in sub-Saharan Africa. Before this, he partnered with CFC Congo to create a Congo-wide remittance and wallet pay system for cash distribution and bills payment for Congo to ease the logistical and payments difficulties in DR Congo.

In 2016, Lloyd rebranded CodersCode to Fincode and launched the company’s first product, the Money Transfer Application (MTA), a holistic remittance, bills payment and banking app. MTA helps businesses such as money transfer operators, banks and bureau de change facilitate the movement of money at a reduced cost. To narrow down MTA’s product capabilities and expand business operations to borderless banking and payment switching, Fincode launched three other products including SpotBanc and Merchant Payment App. In December 2019, Lloyd incorporated Songhai Exchange Limited, a pan African remittance and bills payment switch, owning 75% or more of the shares and voting rights.

Lloyd has been recognized for his data-driven personality and for using technological innovation to achieve his goal of cost reduction in the remittance space. He does this by reducing the barrier entries for businesses offering financial services which increase competition thereby driving down the cost of remittance.