In an industry often defined by speed and scale, digital lender Kiakia has carved a distinctive path, guided by purpose, trust, and a decade-long commitment to financial inclusion. As it marks its 10th anniversary, the company reflects on a journey that has seen it empower over 1.5 million Nigerians and disburse more than ₦90 billion in loans to individuals and small businesses nationwide.

Founded with a clear mission, Kiakia set out not to serve everyone, but to support responsible and capable Nigerians—traders, professionals, and entrepreneurs—who lacked access to fair and timely financing.

“Innovation kept us alive. Resilience made us unstoppable. We built a credit system that values responsibility, not volume,” said Mikail Adeniyi, Chief Operating Officer of Kiakia.

From its inception, Kiakia’s human-centred approach to credit has earned widespread respect. In 2020, then Vice President Prof. Yemi Osinbajo praised the company’s impact on financial inclusion:

“I am impressed by fintechs like Kiakia, who are creating tailored financial solutions for underserved Nigerians.”

As it enters its second decade, Kiakia is preparing to launch a next-generation credit engine—a proprietary blend of intelligent automation and ethical, human-led decision-making. This innovation will further deepen its commitment to sustainable and trustworthy lending.

“It’s never been about fast growth for us,” Adeniyi emphasised. “It’s about doing the right thing for the right people—and doing it better every time.”

For Kiakia, the milestone is not just a celebration of the past, but a renewed pledge to the mission that inspired its founding: building belief through finance.