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Kuda is Nigeria's first mobile-only bank licensed by the Central Bank. Kuda is designed for your smartphone, free of ridiculous charges and great at helping you budget, spend smartly and save more. Musty Mustapha - the cofounder/CTO of Kuda graduated from university with a first-class degree and a distinction in his undergraduate and postgraduate studies, respectively. On this episode, Musty talks about his career and entrepreneurship journey, how Kuda started, the big wins and challenges so far and why Kuda is spending a lot of money on advertising right now 1:16 Musty at 10-year-old 4:32 Getting to Know the current Musty 5:36 Musty shares how Kuda bank started and how he met Babs 9:35 He eventually quit his full-time job to focus on Kuda 10:32 What was the first win that determined if it was the right decision? 11:13 About Kuda's “25 free transfers” strategy and how they manage to get revenue doing this? 16:23 What's the strategy behind the acquisition via ads - billboards, TV, Radio etc? 19:19 Was independent cards always in the plan? And how will it affect scaling? 21:26 What is the best thing about building Kuda so far? 24:53 Experience fundraising for Kuda 26:50 Will Musty change anything in his journey if he had the chance to do it all over again? 28:13 Kuda's people culture? 30:05 Musty shares his thoughts about No Code tools 32:00 Musty shares his favourite city, food, colour, gadget etc? 34:05 Musty's advice to upcoming tech entrepreneurs? Check out Kuda https://www.kudabank.com/