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D.O Profile picture
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29 Apr, 7 tweets, 3 min read
Just imagine, that ALL these entities👇 with the highest traffic in Naija wanted to host commerce & fintech-enabled experiences WITHIN their apps (aka SuperApp)?

@PayPeckerHQ APIs is the infrastructure that links their high demand/traffic aggregation heft👇to THAT world!
So, you’re making a bet on @BetKingNG and you remembered you need cornflakes? Right, within the @BetKingNG app, add cornflakes and the cornflakes is delivered to you from the nearest retailer closest to that has the best fill-rate for your request—FREE + WITHIN 10 minutes! YES!!!
Oh! You don’t have the money to pay now? Not a problem, select @get_carbon’s Zero as payment option and native their BNPL offering is made available to you—NATIVELY and seamlessly!!! There are TOO MANY use cases I can’t even think about or yet fathom. But this should be BIG!!!
So, like I said, our Mission @PayPeckerHQ is to “embed commerce and fintech within spaces they actually occur in Africa.” Welcome to the era of commerce-embedded fintech—or fintech-injected commerce. Whichever you prefer! Makes no difference. As I have said, they are now...👇
Said differently Our Mission?

“The Stripe of O2O Commerce”
That means ANYTIME offline retail inventory is being bought in Africa ONLINE—and in REAL-TIME—we want it to be through our APIs that ALL such offline-to-online type of experiences pass through! We’ll then hand-off to partner fintechs, FIs, telcos etc to process the related bits.
Our best partners in this regard would definitely be the likes of your PayStack, GTBank, MTN, InterSwitch, Flutterwave, Facebook, WhatsApp, OPay, Jumia...AND anyone who has or is aspiring to have DIRECT offering for payments processing and ecommerce. (BUT we’re working with ALL!)

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More from @docolumide

D.O Profile picture
19 Apr
“Gojek Co-CEO to Head App Giant After Merger With Tokopedia.” Nicely done. Essentially an acquisition of Tokopedia by Gojek, combining the biggest commerce tech venture with the biggest fintech venture in Indonesia. Interesting! bloomberg.com/news/articles/…
Interesting from the perspective of this tweet👇 now aging well, like fine wine. (I expect the trend and deals like this to uptick in the frontier markets 2021-2025.)
And I expect Social verticals to join in the fray before that 2025.
Read 10 tweets
D.O Profile picture
10 Dec 20
“Squire’s revenue went from zero in March, when all barber shops closed, to $10m-$20m in ARR...10 months later....The growth indicates how the next wave of barbershops will be built...’We just took off like a lightning bolt,’ co-founder Dave Salvant says.” techcrunch.com/2020/12/09/squ…
Hopin’s business took off. Unsolicited offers from investors started pouring in. Hopin raised a fresh $40m from VCs...and w/out even building a deck, the company garnered a further $125m, valuing it at $2.1B, 77x up from 1yr ago!

...
... And still, Mr. Boufarhat said, “investors are reaching out almost daily.”

nytimes.com/2020/12/07/tec…
Read 4 tweets
D.O Profile picture
10 Dec 20
I came out of semi-retirement to start this my present venture journey in mid-2012, as a grocery ecommerce endeavor to capture the vertical opportunity in the rapidly expanding ecommerce landscape in Nigeria & SSA, which I founded a month b4 Konga/Jumia & launched 2 months after.
And we were on track @Gloo_ng in this regard, until the recession of 2016/17 landed that essentially took out every single ecommerce company of that era—except Jumia and us....
The most enduring lesson I took from those first 5 years of this journey was that physical products-based *consumer* tech startups in Nigeria and sub-Saharan Africa would be losing—or at best, middling—venture-backed propositions for at least the next 10years, or thereabout.
Read 11 tweets
D.O Profile picture
9 Dec 20
A good example of below tweet is this👇🏻 The startup behind it is commoditizing the B2C game for its B2C competitors by unleashing legacy competitors bigly into the space through providing them an API that allows them deliver this JTBD, which is now a pain for the middle class.
Those who are familiar with my DMQA understand this is what one would call “a cross-quadrant move.”

Do you know any other founders/ventures executing “cross-quadrant moves,” generally from the left side of the DMQA to the right? Please share.
What is interesting is that a lot of our tech and financial biggies too are gonna be making “cross-quadrant” moves—but in the opposite direction! Interesting!
Read 5 tweets
D.O Profile picture
22 May 20
There’s this perfidy in Nigeria that people try to push about how being a tenant is seemingly a bad thing. Startup version is when they push for folks to start their own business like sth’s wrong w/ being an employee. Error in these thought tricks is apparent from 1st principles.
It leads to young people making very suboptimal decisions w/ the little networth they’re able to generate early in life. Guys listen, there’s FAR more to life than not paying landlord rent. Good test of IQ of this way: “what %age of businesses own office they operate from?”
It was when I attempted buying a house in cash that it dawned on me how very little N180m is. And how financially stupid it’d really be to take that line of action. God saved me from this perfidy of parents+peer pressure. The house money in networth can buy >40 of same house now.
Read 6 tweets
D.O Profile picture
12 May 20
“DO’s Magic Quadrant for Africa,” aka DMQA Framework(clean vrsn). Next quadrant for deep dive into its characteristics is the “Anything Can Happen” quadrant. Stay tuned.
So, here goes the deep dive for the "Anything Can Happen Quadrant," or Quadrant D by implication. The general attributes of this quadrant are the following:
Business Model Characteristics:
Pure Software/Software Heavy: software products that A.) require little to no agency of any human being from the company in order for the consumer to interact with, either in the way the consumers...
Read 30 tweets

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