Activity without clarity
Banks, fintech apps, alerts, statements, and accounts show fragments—not the whole financial story.
- Where did my money go?
- What changed this month?
- What is recurring?
- What does my cash flow look like?
Company deck · 202601 / 18
AI / Data Intelligence · Africa-born, globally ambitious
The intelligence layer
for financial systems.
Samson Dada · Co-founder & CEOdivefs.com
The big idea02 / 18
The opportunity
Africa does not lack financial data.
It lacks financial intelligence.
Recording activity is not the same as understanding it.
- Every day, people and institutions generate enormous amounts of transaction data.
- Alerts, apps, statements, and core systems record everything — and explain almost nothing.
- The opportunity is the missing layer that turns financial activity into clarity, insight, and action.
- Dive exists to build that layer.
The problem03 / 18
Two sides of the same gap
The data exists.
The intelligence layer is missing.
Volume without meaning
Institutions process enormous transaction volumes, but the signals teams need stay buried in raw activity.
- What changed in behaviour?
- Why did it change?
- Which patterns matter?
- What should we do next?
Our answer04 / 18
One shared foundation
One intelligence layer.
Two paths to market.
Understand
Clean, classify, and structure raw financial activity
Explain
Show what changed, why it matters, and the evidence behind it
Decide
Give people and institutions a clear basis for action
- Adoption
- Trust
- Product proof
- Real-world learning
- Explainable signals
- Segments
- Risk
- Decisions at scale
Dive for Individuals05 / 18
See your financial life clearly
Scattered activity becomes
an understandable story.
A personal financial intelligence product that turns scattered activity into income, spending, cash-flow, and subscription clarity.
- Clean transactions
- Income understanding
- Spending intelligence
- Cash-flow visibility
Individuals · How it works06 / 18
A simple intelligence flow
Connect. Understand.
Explain. Act.
Bring activity together
- Inboxes
- Statements
- Supported data sources
→
Make meaning visible
CleanClassifyReconcileStructure
→
What people can use
- Money reports
- Patterns
- Financial insights
- Unusual activity
Individuals · Current stage07 / 18
Controlled internal pilot
The product exists.
People are using it.
Dive for Individuals · today
What we are doing now
Launch preparation
- Fixing bugs surfaced by real pilot usage
- Improving reliability and sync quality
- Refining onboarding from early-user feedback
- Preparing the public launch
Product builtControlled pilotReliabilityLaunch preparationPublic launch
Dive for Institutions08 / 18
From transactions to decision intelligence
What changed? Why does it matter?
What should you do next?
An analytics and intelligence layer for banks, fintechs, lenders, microfinance banks, and other financial institutions.
- Customer behaviour
- Spending categories
- Destination-bank movement
- Transaction patterns
Institutions · Product experience09 / 18
An insight-led operating system
Raw transactions become
explainable signals.
Transaction data
- Transfers
- Payments
- Statements
→
Normalise + interpret
NormaliseClassifyInterpretFlag
→
Explainable behaviour
- Behaviour
- Segments
- Anomalies
- Trends
Institutions · Who it is for10 / 18
Built for the teams behind financial systems
One layer.
Many decisions.
Product & Growth
Understand customers and grow the right products
Risk
See emerging patterns before they become losses
Compliance
Explain activity with evidence, not guesswork
Analysts
Move from raw exports to structured signals
Technical / Admin
Integrate intelligence without rebuilding systems
Senior decision-makers
Decide from meaning, not dashboards
Customer organisations
- Banks
- Digital banks
- Fintechs
- Microfinance banks
- Lenders
- Payment companies
- Insurance / wealth
One company · Compounding strategy11 / 18
A connected growth loop
Individuals build trust.
Institutions create scale.
- Public product
- Real-world usage
- User trust
- Product proof
Shared intelligence engineEvery transaction understood makes the next one easier to explain
→- Institutional pilots
- Enterprise intelligence
- SaaS / API revenue
- Long-term defensibility
↩
Learning flows back — usage deepens the engine, and the engine improves both products.
Business model12 / 18
Two revenue paths
Adoption on one side.
Enterprise scale on the other.
Dive for IndividualsAdoption + proof
Subscription-led consumer revenue
FreeReach + trust
PremiumAdvanced intelligence
- Low-cost digital onboarding
- Builds trust and product proof
- Creates usage data and product learning
Dive for InstitutionsLarger revenue + scale opportunity
Pilots become recurring intelligence revenue.
Annual SaaS and API relationships
follow successful pilots.
Validate value inside the institution
Pilotsstructured engagementsRecurring enterprise relationships
Annual SaaSper institutionEmbedded and usage-based intelligence
APIusage-basedAlso available
- White-label options
- Implementation + integration
- Enterprise support
Why now13 / 18
The conditions are converging
Financial systems can record more than ever.
Now they can begin to understand.
- 01Financial activity is rapidly digitising
More payments, transfers, and financial products go digital every year — and every one of them produces records.
- 02AI can now interpret patterns at depth
Modern models make explainable interpretation practical at scale. This is the inflection.
- 03Transaction data is compounding
Every account, app, and rail produces more records than ever.
- 04Personalisation is expected
People expect products to understand them.
- 05Institutions must move faster
Customer and risk questions now arrive in near-real time.
- 06Open finance is emerging
Connectivity keeps expanding what can be understood.
Progress · Real product evidence14 / 18
Real activity, not a concept
We are already turning financial activity
into intelligence.
Dive for Individuals
Dive for Institutions
DemoWorking
product
product
Customer discovery and pilot validation are underway.
Current institutional stage
OutreachProspective institutional customers
RefineProduct around customer needs
What can compound15 / 18
Built to deepen over time
Our advantage is not a dashboard.
It is an intelligence system.
Financial-data intelligence engine
Structure, classify, and interpret transaction activity — and get better at it with every transaction processed.
- Structure
- Classify
- Interpret
Explainability
Show evidence and reasoning behind important insights.
Cross-product learning
Connect understanding across both product paths.
Emerging-market context
Learn local transaction patterns and behaviours.
Trust architecture
Security, privacy, auditability, and discipline.
Product experience
Turn complexity into understandable narratives.
Vision16 / 18
The next layer
We are building the intelligence layer
for financial systems.
Today’s systems record and move money. Dive helps people and institutions understand what that movement means.
Structure raw financial activity
Show what changed and why it matters
Support better human and institutional decisions
Team17 / 18
Built to execute
A founding team built for trust,
adoption, and scale.
Co-founder / CEO
Samson Dada
ExperienceSenior Product Designer with 8+ years of experience across fintech, SaaS, product strategy, UX systems, brand positioning, and AI-native product development.
At DiveLeads company vision, product strategy, investor narrative, partnerships, fundraising, and the execution of Dive’s consumer and institutional product direction.
Co-founder / CPO & Operations
Iye Alawode
ExperienceProduct and UX professional with 7+ years of experience across B2B commerce, foodtech and supply-chain technology, UX research, UX writing, content strategy, and product usability.
At DiveLeads product and operations, onboarding quality, customer experience, user research, pilot coordination, and the translation of customer behaviour into clearer product decisions.
Co-founder / CGO
Olajumoke Dada
ExperienceBrand, communications, and growth professional with 7+ years of experience across fintech, digital payments, brand marketing, product marketing, growth marketing, content strategy, and customer-facing communication.
At DiveLeads growth, market communication, customer acquisition, partnerships, demand generation, and trust-building across Dive for Individuals and Dive for Institutions.
?
Currently onboarding
CTO / Technical Lead
ExperienceTechnical leader being onboarded to own infrastructure, AI systems, transaction-data processing, security, and scalable financial-data architecture.
At DiveLeads the technical buildout of Dive’s consumer product, institutional intelligence platform, data pipelines, AI reliability, and secure financial-data handling.
What moves us forward18 / 18
What moves us forward
Help us build the intelligence layer for financial systems.
We are open to partners who can accelerate the mission — pilots, distribution, infrastructure, talent, and capital.
- 01
Pilot partners. Banks, fintechs, lenders, and institutions ready to validate the product.
- 02
Distribution & ecosystem. Partners who can help Dive reach people and organisations.
- 03
Technical infrastructure. Cloud, AI, data infrastructure, and technical support.
- 04
Talent. Engineering, data, and AI talent, including interns and collaborators.
- 05
Capital. Grants, accelerators, strategic capital, and aligned investors.
- 06
Strategic introductions. Financial institutions, advisors, investors, and ecosystem partners.
Dive turns financial data into clear, explainable intelligence — for people, and for the institutions that serve them.