In March 2024, I received a call from a Nigerian bank, one of those institutions parading itself as digital-first while secretly running on analog thinking. They wanted virtual training on credit risk management, a noble request. I welcomed the opportunity with open hands-on condition that I gained context about their business model and banking philosophy. They nodded yes. As I dug into their strategy and risk appetite, the contradiction was glaring: they were talking cloud, AI, and fintech partnerships on their website… but inside, they were still underwriting like it’s 1995. Their loan officers were rewarded for paperwork. Their risk…