At Fintech Outlook 2025, industry leaders, investors, and innovators across key sectors gathered to discuss the future of financial technology. Among the standout voices was our Investment Principal, Oti Ilentamhen, whose insights into the role in building Nigeria’s trillion-dollar economy resonated deeply with the audience. With a firm belief that fintech must be both innovative and responsible, Oti laid out a compelling roadmap for the sector’s growth in the coming years.
Navigating the Fintech Funding Landscape
Oti addressed the funding challenges fintechs have faced over the past two years, attributing them to macroeconomic difficulties and an overall market correction. “We had the boom years, and now we’re in a different phase of the economic cycle,” he noted. He acknowledged that while funding has tightened, this shift has helped weed out less viable fintech startups, leaving room for companies with strong value propositions and execution strategies.
He cautioned against market oversaturation, stating, “We don’t need numerous companies trying to solve the same problem simply because of the size of the addressable market.” Instead, he urged fintech firms to focus on differentiation and execution, emphasizing that sustainable business models attract investors more than just high-growth metrics.
The Rise of Embedded Finance and Smart Investment
In his contribution to the panel disccusion, Oti underscored the growing significance of embedded finance in fintech’s future. He pointed out that Alitheia Capital has actively invested in this space, supporting businesses that integrate financial services into broader business models. “Embedded finance is no longer just a concept—it’s a necessity,” he said.
He highlighted our portfolio company, OmniRetail, which connects SMEs with manufacturers and distributors while seamlessly embedding financing solutions into its platform. This enables small businesses to access financing without directly depleting their cash flow, making financial accessibility more seamless and sustainable.
Building a Trillion-Dollar Economy through Fintech
Looking ahead, Oti painted a vision of fintech’s role in building Nigeria’s trillion-dollar economy. He argued that for this vision to become a reality, fintech firms must prioritize:
- Execution and scalability—ensuring products are designed to meet real market needs.
- Sustainability—balancing growth with long-term viability rather than chasing VC funding alone.
- Regulatory alignment—proactively working with regulators to establish industry standards that benefit both businesses and consumers.
A Call to Action for Fintech Leaders
Wrapping up his session, Oti urged fintech founders, investors, and regulators to collaborate in shaping a thriving ecosystem. “Fintech isn’t just about technology; it’s about providing real value, being compliant, and building businesses that last,” he concluded.
With these powerful insights, Oti Ilentamhen left the audience at Fintech Outlook 2025 with valuable takeaways on innovation, funding, and the future of financial services.