What already exists
- Bank alerts
- Statements
- Transactions
Competition pitch · Demo Day 202601 / 12
The intelligence layer for financial systems
Africa does not lack financial data.
It lacks financial intelligence.
Samson Dada · Co-founder & CEOdivefs.com
Problem / Individuals02 / 12
The personal money gap
People receive bank alerts every day, but still cannot explain where their money went.
Bank apps show transactions, but they rarely turn activity into understanding.
- Bank alerts arrive every day, but they are fragmented across accounts, banks, and fintech apps.
- Spending is hard to understand at month-end.
- Manual tracking is stressful and inconsistent.
- Subscriptions, transfers, fees, and unusual activity are easy to miss.
- Freelancers, founders, creators, and small business owners struggle to separate personal and business money.
- Tax-ready or accountant-ready records still require messy manual work.
Problem / Institutions03 / 12
The institutional intelligence gap
Financial institutions process huge transaction volumes, but the meaning is still buried.
Dashboards show activity. Teams still need explanations, signals, segments, and decisions.
- Transaction data is high-volume, messy, and difficult to interpret quickly.
- Teams struggle to explain customer behaviour, risk patterns, and emerging financial signals.
- Reporting often depends on dashboards, spreadsheets, and manual analyst work.
- Fraud, anomaly, and risk signals can be reactive instead of early and explainable.
- Product, growth, compliance, and risk teams often work from disconnected views of the same data.
- Useful intelligence is buried inside raw transaction activity.
Solution04 / 12
From activity to action
Dive turns financial data into explainable intelligence.
→
Make meaning visible
CategoriseExplainFlagSummariseDetect patterns
→
What people can use
- Money reports
- Alerts
- Behaviour insights
- Risk signals
- Decisions
Product05 / 12
One shared foundation
One intelligence layer.
Two product paths.
Collect
Bank alerts, statements, and transaction records
Understand
Categorise spending, detect patterns, explain behaviour
Report
Generate monthly money reports, summaries, and exports
Act
Surface insights, unusual activity, risk signals, and next steps
- Income
- Spending
- Recurring payments
- Unusual activity
- AI insights
- Exportable reports
- Behaviour
- Labelling
- Fraud and anomaly signals
- Risk
- Trends
- Segmentation
- Reporting
Product snapshot / Individuals06 / 12
Live product, real usage
Dive for Individuals is live and in pilot.
A personal financial intelligence product that helps people turn bank alerts, statements, and transactions into clearer money reports.
- Monthly money reports from real financial activity
- Spending, income, categories, subscriptions, and unusual activity
- Built to help users answer: “Where did my money go?”
- Early pilot usage is improving onboarding, transaction understanding, and report quality
Product snapshot / Institutions07 / 12
Prototype in discovery
Dive for Institutions is built for financial teams that need
explainable intelligence.
A transaction intelligence platform for banks, fintechs, lenders, microfinance banks, and other regulated financial institutions.
- Turns transaction data into behaviour, risk, and reporting insights
- Helps teams understand what changed, why it matters, and what to do next
- Customer behaviour analysis, transaction labelling, reporting, and anomaly signals
- Product discussions ongoing with financial-services users
Opportunity08 / 12
Market entry
The opportunity is Africa’s missing financial intelligence layer.
Across African consumers and institutions.
Individuals, freelancers, SMEs, fintechs, banks, lenders, and microfinance institutions.
Early users and pilot institutions reached through founder-led sales, content, survey leads, warm introductions, and partnerships.
Traction09 / 12
Early validation, not scale
Validated. Built. In pilot.
Preparing to launch.
Dive for Individuals
Dive for Institutions
5Validation
interviews
interviews
Strong need signals from people in key institutional roles.
Validation survey
39Personal finance responses
10Institutional responses
ValidationProduct builtPilot usageCASA approvalInstitutional outreach
Business model10 / 12
How Dive grows
Individuals prove the intelligence.
Institutions scale it.
Dive for IndividualsAdoption + proof
Subscription-led consumer revenue
₦2,500Pro / month
₦5,000Business / month
- Low-cost digital onboarding
- Builds trust and product proof
- Creates usage data and product learning
Dive for InstitutionsLarger revenue + scale opportunity
Paid pilots become recurring infrastructure revenue.
Annual SaaS and API contracts
follow successful pilots.
Small institutions · MFBs · early fintechs
From ₦1.5m3-month pilotMid-size fintechs · lenders · digital banks
₦3m–₦7.5m3-month pilotLarger banks · enterprise institutionsCustom by data volume, use case, integration complexity, and support needs
From ₦7.5m+3-month pilotAfter the pilot
- Annual SaaS
- Usage-based pricing
- API access
- White-label options
- Custom implementation and support
Team11 / 12
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.
Ask / Closing12 / 12
What moves us forward
Help us turn financial data into intelligence Africa can use.
We are looking for support to scale early users, deepen technical execution, and open institutional doors.
- 01
Warm introductions to banks, fintechs, microfinance banks, lenders, and institutional decision-makers
- 02
Startup credits for AI APIs and tools, cloud infrastructure, hosting, data processing, and automation
- 03
Funding for operations and marketing to support early growth
- 04
Feedback on the product, pitch, and institutional pilot structure
Dive is building the intelligence layer that helps people and institutions understand money better.