Banking + Fintech
Built across payments, digital products, operations, and financial infrastructure.
I’m Oluwatobi “Tolu” Towoju — a founder, operator and technology leader working across AI, digital products and complex operational systems.
Built across payments, digital products, operations, and financial infrastructure.
Led digital payment, data, and public-service systems at scale.
Building systems that remove operational bottlenecks so businesses can move faster, operate better, and create more room for revenue.
Exploring how AI systems can be made more trustworthy, secure, and easier to evaluate in real operating environments.
alongside · writing · research · independent experiments
I’ve spent my career working across banking, fintech, digital products, and public services, usually where technology, operations, and people have to work together for anything meaningful to happen.
That experience shaped how I think about building: good technology should reduce friction, improve how work moves, and make organizations more effective, not just add another layer of software.
Today, I’m applying that thinking through Kitebaze, where I’m focused on helping businesses use AI to remove the work getting in the way of growth and revenue.

This visual diffusion effect starts with random noise and gradually reveals the portrait over 90 steps. It runs slowly over 13.5 seconds, bringing the details into focus.
Finding the latest records…
A little space for the music behind the work.
Hover or tap a book to explore
Preview shelf · sample books
A little movement. A little strategy.
Always something new to learn.
Making time to move.
Footwork. Focus. One more round.
Always a Red.
Chess, and the pleasure
of a good position.
Learning to play guitar.
GUITAR / A WORK IN PROGRESSThe spectacle. The stories. The ring.