Dr. Mayowa Olusoji, a renowned author, professional speaker, financial exponentialist and global liquidity expert specialising in digital assets, has revealed that Nigeria’s financial landscape was set to transform radically by 2035.
Olusoji, who spoke in an interview with journalists, said there will be mass adoption of digital currencies: Stablecoins and Central bank digital currencies (CBDCs) like Nigeria’s eNaira and China’s digital yuan (e-CNY) will dominate, with 50% of global transactions going digital by 2035 (BIS, 2024).
In addition, Olusoji, who has over 20 years of experience in investment banking and transaction finance, has established himself as a leading authority in financial education and data interpretation. He said Cryptocurrencies will mature under tighter regulations, becoming mainstream investment assets.
This shift, Olusoji said, will demand financial literacy LMS modules on digital wallets and blockchain basics, teaching users how to navigate CBDC platforms or safely invest in Bitcoin. Nigeria’s early CBDC adoption could make it a regional leader if literacy keeps pace.
The digital asset expert said he has identified and created a framework that captures the topic narratives for coming dispensation called the ABCDE of rhe Exponential Age, driven by disruptive technology and shifting global dynamics.
Olusoji highlighted three seismic changes he foresees with a nod to their impact on financial literacy platforms: AI-Powered Wealth Management: AI will revolutionise investing, with robo-advisors like Betterment or Wealthfront managing over $1 trillion in assets globally by 2035. These tools will offer hyper-personalised portfolios, democratising wealth-building for retail investors. For a financial literacy LMS, this means creating courses on using AI tools for budgeting or stock analysis, ensuring users, especially in Nigeria’s growing middle class can leverage platforms like Chaka for global market access.
Also, there will be a rise of decentralised finance (DeFi): DeFi platforms like Aave or Uniswap will capture 20% of global lending by 2035, bypassing traditional banks with peer-to-peer lending and smart contracts. This opens opportunities but carries risks like hacking or scams. A financial literacy LMS must teach DeFi mechanics, using case studies like Nigeria’s fintech boom (e.g., Flutterwave) to show how decentralized systems can drive inclusion, while warning of pitfalls like unregulated platforms.
These changes, Olusoji said, will reshape wealth creation, but only those equipped with knowledge will thrive.
“A financial literacy LMS can lead the charge, think interactive lessons on CBDCs, AI investing, and DeFi risks tailored for Nigeria and beyond. Stay ahead or get left behind,” he advised.
A trusted expert in financial literacy and investment, Dr. Olusoji provided strategic and practical guidance on the intersection of blockchain technology, artificial intelligence, and the digital money economy. His expertise bridges the gap between traditional finance and the burgeoning world of digital assets, empowering individuals to navigate and thrive in the evolving financial landscape.
In April 2024, Dr. Olusoji was honoured with the International Honours for Mentorship & Leadership Development at the House of Lords, UK. During the same event, he was inducted as a Fellow of the Chartered Institute of Management & Leadership (USA) and awarded a Professional Doctorate in Leadership & Management by City University of Paris. He was also recognized as one of the Top 100 Influential Global Voices in 2023.
Dr. Olusoji holds an MBA from Leeds Metropolitan Business School, UK, and is a certified NFEC Financial Education Instructor. He is the founder of Power2Know, a platform dedicated to empowering individuals through actionable financial knowledge. Known as the “KnowBeDo Champion,” he champions practical learning and strategic execution to help people achieve financial independence.
