His expertise spans business strategy, digital banking, commerce, innovative finance, investment and deal structuring, corporate finance, and non-interest banking. As Divisional Head, Digital Banking & Commerce at The Alternative Bank, Yunusa provides strategic leadership for the Bank’s digital banking, commerce, product management, and ecosystem partnerships. What’s the strongest contrarian prediction you have about the future of digital banking in Nigeria? The biggest banks of the next decade may not win because they have the most branches or even the most customers. It’s about becoming the platform where customers build their financial lives.