In an industry where scale often determines survival, Tatum Bank is pursuing a different path. Rather than competing head-on with Nigeria’s largest lenders for mass-market customers, the one-year-old regional bank is building what it repeatedly describes as a “defensible” banking model, one anchored on digital delivery, disciplined lending, strong governance, and deep relationships with SMEs, corporates, and sub-national institutions.
The strategy appears to be gaining traction. Having achieved profitability in its first year of operations and strengthened its capital base, the bank is now entering a new phase focused on expanding its loan book, deepening transaction flows within key business ecosystems, and proving that rapid growth can coexist with prudent risk management.
In this exclusive interview, Niyi Adeseun, managing director of Tatum Bank, discusses the market gap the bank identified, its plans for growth over the next three years, how it intends to compete with larger banks and fintechs, and
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