01Mehtic Technology Ltd
Bankplus
Cloud-native, AI-enabled core banking platform for financial institutions.
20+Financial Institutions
50,000+Users
10,000+Transactions Processed
Abuja, Nigeria
Abu Lawal.
Co-Founder & CTO | Financial Infrastructure & Payments Architect
Designing and leading reliable financial infrastructure that enables institutions, businesses, and consumers to move, manage, reconcile, secure, and intelligently process money at scale.
20+Financial Institutions
50,000+Users
10,000+Transactions Processed
12,000+Users
01 — Profile
Systems judgment meets business context.
Technology executive, systems architect, and fintech builder specializing in financial infrastructure, payment systems, core banking, transaction processing, and AI-enabled financial technology. Co-Founder and CTO of Mehtic Technology Ltd, where he leads technology strategy, product architecture, engineering organization, infrastructure, security, and technical delivery across banking and payment platforms. His experience spans core banking, payment processing, wallets, virtual accounts, financial APIs, lending systems, fraud and compliance technology, cloud infrastructure, automation, and AI/LLM applications. He specializes in translating complex financial and business requirements into secure, resilient, scalable production systems, with particular emphasis on transaction integrity, reliability, observability, security, automation, and operational efficiency. His approach is problem-first and technology-agnostic: selecting architecture and technologies according to business requirements, constraints, risk, scale, team capability, and long-term maintainability.
02 — Selected impact
Built for the moments that matter.
Platforms, systems, and operating capabilities designed around financial correctness, resilience, and scale.
02Mehtic Technology Ltd
Mehticpay
Payment platform supporting consumer and business financial transactions, transfers, authentication, and fund management.
12,000+Users
100+Businesses
03Mehtic Technology Ltd
Mehticpay Business
Business payment infrastructure supporting bulk transfers, invoicing, sub-accounts, KYC, and role-based access control.
Improved SME onboarding speed by approximately 60%.
04Mehtic Technology Ltd
NFC Payments
NFC-enabled contactless payment infrastructure integrated with MehticPay.
Reduced retail checkout time by approximately 75%.
05Mehtic Technology Ltd
OTC Payments
In-person payment infrastructure using QR codes and PIN-based verification through partner locations.
Extended payment access through agent and partner networks in rural and semi-urban environments.
06Mehtic Technology Ltd
Infrastructure Automation
Automated deployment, repository access, engineering workflows, and infrastructure processes.
Reduced deployment time and human error by approximately 60%.
07Honeypays
Loan Disbursement And Recovery
Financial platform supporting microloan disbursement, repayment schedules, automatic deductions, and risk-related workflows.
Improved recovery rates by approximately 40%.
08Honeypays
Wallet And Virtual Accounts
Wallet and virtual-account architecture supporting traceable funds movement and wallet-to-wallet transfers.
03 — Experience
Leading with a production mindset.
January 2021 — Present
Mehtic Technology Ltd
Co-Founder & Chief Technology Officer
- Lead technology strategy, architecture, engineering organization, infrastructure, security, and technical delivery.
- Architect financial platforms across banking, payments, wallets, transfers, business payments, and financial operations.
- Lead development of AI and LLM systems for financial operations, compliance, fraud detection, automation, and engineering workflows.
- Define engineering standards covering architecture, repositories, access control, testing, CI/CD, security, monitoring, and production operations.
- Coordinate engineering, product, design, and business stakeholders around technical strategy and delivery.
- Build technical and organizational structures required to move products from zero-to-one development into reliable production systems.
- Evaluate technology investments and architecture decisions based on business value, risk, scale, maintainability, and organizational capacity.
January 2016 — December 2020
Self-Employed
Backend Engineer / Middleware Consultant
- Designed and deployed backend and middleware systems for startups and small and medium-sized businesses.
- Built production Laravel APIs supporting mobile applications and business workflows.
- Designed systems for high-traffic environments with emphasis on performance, security, scalability, and operational reliability.
- Developed monitoring, logging, health-check, and alerting systems.
- Provided backend architecture, infrastructure, troubleshooting, and incident-response support.
January 2018 — January 2019
Honeypays
Backend Developer
- Engineered payment-processing logic and security controls.
- Developed systems for loan disbursement, repayment scheduling, automatic deductions, and risk assessment.
- Built wallet and virtual-account functionality for traceable movement of funds.
- Developed internal tools for transaction auditing, fraud detection, and user management.
- Integrated mobile applications with backend financial services.
- Optimized database queries and caching for production performance.
04 — Expertise
Architecture across the full operating surface.
Technology choices are made in service of durable systems, practical teams, and measurable outcomes.
Financial Infrastructure
Payment processing
Systems Architecture
Distributed systems
Cloud And Infrastructure
AWS
AI And Intelligent Systems
AI systems architecture
Technical Leadership
Technology strategy
Technical foundation
Tools and platforms
Primary Backend
Mobile And Frontend
Data
Cloud
Infrastructure And Devops
Testing And Quality
Protocols And Platforms
Blockchain And Web3
Project And Delivery
05 — Principles
Deliberate by default.
- Problem before technology.
- Business value before technical novelty.
- Correctness before convenience in financial systems.
- Security by architecture, not by afterthought.
- Reliability must be designed, measured, and operated.
- Prefer leverage over activity.
- Build systems and organizations that do not depend on one person.
- Treat engineering capacity as a scarce strategic resource.
- Do not accept opportunities solely because they are technically interesting or financially immediate.
- Technology should increase organizational leverage, not merely increase the amount of work being performed.
- A CTO's responsibility is not to build everything; it is to ensure the organization builds the right things.
Credentials
Continuous, purposeful learning.
- AWS Certified Solutions Architect - AssociateIn progress
- Bachelor's Degree — Plant Breeding and Seed TechnologyMay 2011 – January 2017