After a decade as Nigeria's leading financial literacy advocate, Tunji Andrews realized education alone wasn't enough. Inspired by an elderly lottery agent from his childhood who fell into poverty, he founded Awabah to bring pension solutions to Nigeria's informal sector workers.

In this candid conversation, Tunji reveals how his company is using local language and cultural understanding to make retirement planning accessible to everyone from street vendors to market wholesalers. He shares surprising insights about customer behaviour, his contrary bet on focusing on pensions rather than payments or loans, and the personal cost of founder resilience.

Listen for valuable lessons on market segmentation, regulatory relationships, and why sometimes you need to "survive first, then scale."