Sparkle CEO Uzoma Dozie Frames Data as Collateral for Nigeria's SME Lending Gap

Sparkle chief executive Uzoma Dozie has articulated a model in which transaction and behavioural data replaces physical collateral for SME lending decisions in Nigeria, framing it as a replicable framework for African fintechs addressing the continent's credit gap. The approach positions data infrastructure as the core credit-underwriting asset for underserved small businesses.