Chigozie Madubuko
Kora, Team Lead, Senior Software Engineer
Lagos, Nigeria
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Chigozie Madubuko is the Backend Engineering Team Lead at Kora, a leading fintech company dedicated to building scalable payment infrastructure and breaking down financial barriers across Africa. At Kora, Chigozie focuses on designing and optimizing robust backend systems that power seamless and efficient payments, enabling businesses to transact effortlessly.
Beyond Kora, Chigozie is actively shaping the future of banking through Open Banking Nigeria. Collaborating with international and local industry players, he has helped develop Open Banking standards and specifications that provide would secure access to customer financial data for financial institutions.
In addition to his work in fintech and banking, Chigozie also guides aspiring engineers on ADPList, sharing expertise in software development, scalability, and career growth
Through his work in fintech infrastructure, Open Banking, and mentorship, Chigozie is driving financial innovation, inclusion, and talent development across Africa.
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AI Can Write Code. But It Doesn’t Know Your System
AI tools can now generate large amounts of working code in seconds. But as many teams are discovering, the real challenge isn’t whether the code compiles or passes basic tests. The real challenge is whether it respects the hidden rules of a system.
In most companies, critical knowledge about architecture, edge cases, compliance constraints, and historical decisions lives in engineers’ heads, scattered documentation, or old Slack threads. When AI starts producing code, that invisible knowledge becomes the real bottleneck.
This talk explores why reviewing AI-generated code is harder than expected, why undocumented system knowledge creates risk, and how organizations will need to rethink documentation, architecture mapping, and internal knowledge bases in the age of AI-assisted development.
Drawing from real-world experience building financial infrastructure and large backend systems, the session highlights why the future of engineering will rely less on writing syntax and more on making system knowledge explicit, structured, and usable by both humans and machines.
From Promise to Reality: The API Infrastructure Behind Open Banking in Nigeria
In 2021, Open Banking in Nigeria was full of promise; a future where APIs would unlock financial data, power innovation, and expand access to credit. Fast forward to 2026, and that promise still feels just out of reach.
So what happened?
This talk offers a rare insider perspective on Nigeria’s Open Banking journey; from early standardisation efforts to the realities of implementation across banks and fintechs. Drawing from direct experience contributing to the Open Banking ecosystem and building lending infrastructure, Chigozie explores the structural, technical, and regulatory bottlenecks that have slowed progress.
More importantly, this session shifts the conversation forward.
Attendees will gain a clear understanding of the API infrastructure required to move Open Banking from theory to reality, including the role of standardisation, governance, developer experience, and ecosystem collaboration. The talk will also highlight what is changing today, and why Open Banking is now more likely to succeed than ever before.
This is not a theoretical overview. It is a grounded, experience-driven exploration of how APIs can unlock financial systems in emerging markets, and what it takes to make that future real.
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