Young Nigerian Tech CEO Leads Fintech Expansion in Africa

Young Nigerian Tech CEO Leads Fintech Expansion in Africa

At just 19, Miracle Nwankwo launched his first startup, BookClinic, a health-tech platform that connected patients to diagnostic services. What began as a college project quickly gained traction, secured investment, and opened doors to opportunities he had never imagined most notably leading the African expansion of Veefin, a global fintech headquartered in India.

Early Inspiration and Love for Technology

Miracle’s passion for technology began in secondary school when his ICT lab was first completed. Although his initial interactions were basic, it sparked curiosity. Inspired by Mark Zuckerberg, he admired how one young person could create something that changed the world while solving real problems. This influence motivated Miracle to experiment with his own projects, including a social media platform, and ultimately shaped his goal of studying Computer Science at Babcock University.

He had no prior coding experience and didn’t own a laptop until entering university, but he immersed himself in self-learning through YouTube, freeCodeCamp, hackathons, and online tutorials. These efforts allowed him to develop apps, build a strong GitHub portfolio, and begin freelancing, earning his first ₦60,000 coding gig in 2022.

Building BookClinic

During an internship, Miracle co-founded BookClinic with his cousin. The platform worked like Uber for healthcare, allowing users to book diagnostic appointments online, see facility availability, and skip long waiting times. At its peak, BookClinic partnered with 80 healthcare centers across Lagos and operated in 18 locations.

The startup secured $20,000 in investment in 2023, though operational challenges forced a temporary pause. Despite setbacks, Miracle continues developing an improved version of the platform.

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Transition to Veefin

BookClinic’s success led to an unexpected opportunity in fintech. An investor introduced Miracle to the founders of Veefin, who were expanding into Africa. They entrusted him to lead Veefin Solutions Nigeria, which officially launched in August 2025.

Veefin processes over $6 billion annually and partners with more than 500 banks and financial institutions globally. Its offerings include digital lending, supply chain finance, fraud and risk analytics, trade finance, AI solutions, and more. In Nigeria, Miracle primarily focuses on the supply chain finance platform, helping banks and enterprises operate efficiently through a single integrated system.

Learning on the Job

Transitioning from health-tech to fintech required a steep learning curve. Miracle had to understand lending ecosystems, business banking structures, compliance, risk management, and enterprise-level sales. Today, his role involves meeting bank executives, demonstrating platforms, and helping clients scale operations while reducing costs.

Technology in Everyday Life

Technology shapes nearly every aspect of Miracle’s life. WhatsApp is essential for communication, his mobile phone is central to both work and personal life, and AI tools help him refine emails, generate content, and organize tasks. He stays updated through tech events, industry blogs, and networks of tech-savvy peers, always exploring tools that offer practical benefits.

The Power of Social Media and Personal Branding

Miracle leverages social media to share his work, challenges, and innovations. Platforms like LinkedIn, Instagram, and TikTok allow him to build visibility, connect with a global audience, and attract opportunities. He believes that creators and innovators should share their work widely to maximize impact.

Looking Ahead

Miracle is confident that technology will continue to transform industries over the next decade. He predicts breakthroughs even more revolutionary than AI, and his mission is to remain at the forefront, building solutions that improve lives and shape the future of African fintech.

 

 

 

Content Credit: Ohidah Oluwaferanmi

imager Credit: Techpointafrica.com