Tunde Kehinde is the co-founder of Lidya, a branchless internet bank that aims to ease Nigeria's estimated $30 billion small business credit gap. Tunde holds a honours degree in finance from Howard University and an MBA from Harvard Business School.

He previously co-founded the logistics startup, Africa Courier Express (ACE). Before that, he co-founded Jumia.com and served as the e-commerce giant's Managing Director.

In this chat with Andile Masuku, Tunde reflects on his founder experience and explains why investors keen on helping Lidya deliver on their mission best be ready to put some serious skin into the game.