“The future of finance belongs to those who embrace innovation, adapt to change, and leverage technology to drive transparency, security, and financial inclusion.” – Michael Adegbite
Michael Adegbite is a distinguished finance professional and a trailblazer in Financial Technology (FinTech) and auditing. With a first-class degree in Accounting & Finance and a Master of Accounting (STEM) with a focus on Accounting Analytics, he has built an impressive career at the intersection of finance, technology, and regulatory compliance. Currently serving as an Audit and Assurance Manager at Deloitte & Touche LLP, USA, Michael specializes in conducting comprehensive financial audits, ensuring regulatory compliance, and implementing innovative risk assessment frameworks that enhance financial integrity across industries.
A recognized leader in digital finance, Michael has played a crucial role in auditing blockchain-based assets, cryptocurrency regulations, and AI-driven financial risk management. His ability to bridge the gap between traditional financial principles and disruptive innovations has earned him industry-wide recognition, including the BAT Award of Excellence 2024 for FinTech Innovation Excellence. His expertise has been instrumental in helping financial institutions navigate complex compliance landscapes while adopting transformative financial technologies.
Beyond his corporate achievements, Michael is an influential thought leader in the FinTech sector. He has authored multiple publications on blockchain technology, digital asset accounting, and AI applications in finance, and has presented at prestigious conferences, including the International Conference for Sustainable Development and the Generative Artificial Intelligence Conference by the Journal of Banking & Finance. His contributions to academia and industry discussions reflect his commitment to shaping the future of financial regulation and innovation.
READ ALSO: BAT Most Influential Women In Tech In Nigeria 2024 -Awards
Michael’s influence extends beyond his work at Deloitte. He has actively supported emerging talent in financial technology. Additionally, as the co-founder of SquadSave LLC, a pioneering FinTech platform, he is dedicated to revolutionizing digital savings through secure and collaborative financial solutions.
With a forward-thinking approach to financial technology, Michael is committed to integrating AI, blockchain, and data analytics into financial auditing, reporting, and risk management. His vision is to drive financial transformation, ensuring businesses and regulatory bodies stay ahead in an increasingly digital and data-driven world.
Exclusive Interview with Michael Adegbite
Interviewer: Michael, thank you for joining us today. Let’s start from the beginning. Can you tell us about your early background and what inspired you to pursue a career in finance and financial technology?
Michael Adegbite: Thank you for having me. My journey into finance and technology was shaped by a deep curiosity about numbers and problem-solving from a young age. Growing up in Nigeria, I was exposed to the challenges businesses faced in managing finances effectively. I saw how financial literacy and structured financial systems could transform businesses, communities, and even economies.
My interest in technology grew alongside this passion. I realized early on that the future of finance was digital. The rapid adoption of digital payments, cryptocurrency, and blockchain fascinated me, and I wanted to be part of the wave of professionals shaping the financial technology landscape. This led me to pursue a First-Class degree in Accounting & Finance at Nottingham Trent University, where I honed my analytical and financial modeling skills.
Today, as an Audit and Assurance Manager at Deloitte & Touche LLP, USA, I find myself at the intersection of finance, technology, and risk management—exactly where I always wanted to be.
Interviewer: You have been recognized with prestigious awards like the BAT Award of Excellence for FinTech Innovation in 2024. What does this recognition mean to you, and how has it influenced your career?
Michael Adegbite: The BAT Award of Excellence was a humbling and defining moment in my career. It reaffirmed my belief in innovation and my commitment to pushing the boundaries of financial technology. Being recognized in the FinTech Innovation Excellence category was particularly special because it highlighted my contributions to blockchain auditing, cryptocurrency regulation, and AI-powered financial risk management.
Beyond the personal achievement, this award signifies progress for African professionals in the global FinTech space. It serves as a reminder that talent and expertise from Africa are making a tangible impact internationally. It has also motivated me to mentor and support emerging professionals, ensuring that the next generation has the tools and knowledge to shape the future of digital finance.
Interviewer: Your expertise spans blockchain auditing, cryptocurrency regulation, and AI-driven financial risk management. How do you see these technologies shaping the future of finance?
Michael Adegbite: We are witnessing a paradigm shift in the financial industry. Blockchain technology is redefining transparency, security, and efficiency in financial transactions. It is particularly revolutionary for auditing because it provides an immutable ledger, reducing fraud risks and enhancing accountability.
Cryptocurrency regulation is another area undergoing rapid transformation. Governments and financial institutions are now recognizing the importance of structured regulations to balance innovation with consumer protection. At Deloitte, I work closely with clients to ensure compliance with evolving digital asset regulations while maintaining operational efficiency.
AI-driven financial risk management is also playing a crucial role in fraud detection, predictive analytics, and automation of compliance processes. Machine learning models can analyze vast amounts of financial data in real-time, identifying anomalies and preventing financial crimes before they occur. These technologies are not just trends—they are the future of finance, and I am excited to be at the forefront of this transformation.
Interviewer: You’ve worked in Nigeria, the UK, and now the USA. How has your international experience shaped your perspective on finance and digital innovation?
Michael Adegbite: Working across three continents has given me a unique perspective on global financial systems and digital innovation. In Nigeria, I saw firsthand how financial inclusion challenges drive the need for innovative digital payment solutions. The country’s fintech revolution—led by startups in mobile banking and payments—taught me the importance of designing financial systems that are accessible to all.
In the UK, I gained exposure to advanced financial regulations and data analytics frameworks. And now, in the USA, I am working at a leading firm, Deloitte, where I see the intersection of cutting-edge technology and regulatory standards at a global scale.
Each experience has reinforced one key lesson: financial innovation must be adaptable. The needs of emerging markets differ from those of developed economies, but technology can be tailored to bridge gaps and create inclusive financial ecosystems. My goal is to use my expertise to help organizations develop solutions that are globally relevant yet locally impactful.
Interviewer: As a co-founder of SquadSave LLC, a FinTech startup focused on collaborative savings, what inspired you to start this venture, and what problem are you solving?
Michael Adegbite: SquadSave was born out of a simple yet powerful idea—financial goals are easier to achieve when people work together. Many individuals struggle with saving money consistently, but when savings are done collectively, there is a higher level of accountability and motivation.
We developed SquadSave as a secure platform that allows users to create savings groups, set financial goals, and track progress in real-time. Our mission is to promote financial discipline and empower people to build strong financial habits through community-driven savings.
Given my background in digital transactions and blockchain technology, we have integrated secure and transparent mechanisms to ensure funds are protected and accessible. It’s been rewarding to see how technology can positively impact financial behavior and long-term financial security.
Interviewer: You have authored several research papers and spoken at international conferences. How important is research and thought leadership in your profession?
Michael Adegbite: Research is the backbone of innovation in financial technology. The industry is evolving at an unprecedented pace, and staying ahead requires constant learning, critical thinking, and thought leadership.
My publications on blockchain technology, AI in finance, and digital asset accounting allow me to contribute to industry discussions while also shaping best practices for regulatory compliance and financial auditing. Speaking at conferences like the International Conference for Sustainable Development gives me the opportunity to share insights, learn from other experts, and collaborate on groundbreaking ideas.
Thought leadership is not just about expertise—it’s about driving change, educating others, and influencing the future of finance. That’s a responsibility I take seriously.
Interviewer: Finally, what advice do you have for young professionals looking to build a career in FinTech, auditing, or financial analytics?
Michael Adegbite: My advice is simple: Be adaptable, be curious, and never stop learning.
FinTech and financial analytics are rapidly evolving fields. The skills that are in demand today—blockchain, AI, data analytics—may look different five years from now. That’s why continuous learning is essential.
I also encourage young professionals to gain diverse experiences. Work in different industries, explore international opportunities, and take on projects that push you out of your comfort zone. Every experience adds to your expertise and shapes your perspective.
Finally, build a strong network. Connect with mentors, join professional organizations, and engage with industry leaders. Success in FinTech and finance is not just about technical skills—it’s about relationships, collaboration, and the ability to see the bigger picture.
Final Thoughts
As we wrap up this insightful conversation with Michael Adegbite, it is evident that he embodies the qualities of a visionary leader, a problem-solver, and a driving force in financial technology, auditing, and digital finance. From his early days in Nigeria, where he cultivated his passion for finance, to his current role as an Audit and Assurance Manager at Deloitte & Touche LLP, USA, Michael has remained committed to excellence, innovation, and impact.
Throughout this discussion, we explored his expertise in blockchain auditing, AI-driven financial risk management, and cryptocurrency regulation, areas where he has positioned himself as a thought leader. His ability to merge traditional financial principles with disruptive technologies is shaping the future of digital transactions, compliance, and financial reporting.
Michael’s achievements speak volumes—not just in his professional roles but also through the recognitions he has received, including the BAT Award of Excellence for FinTech Innovation in 2024.
Beyond corporate leadership, Michael is also a co-founder of SquadSave LLC, a platform redefining digital savings, and an academic contributor whose research is shaping global discussions on FinTech regulations and digital asset management. His international experience spanning Nigeria, the UK, and the USA gives him a unique perspective on financial systems and the need for inclusive, technology-driven solutions.
A Source of Inspiration for Nigerian Youth
Michael’s journey serves as an inspiration to young Nigerians and Africans who aspire to make a mark in the global finance and technology ecosystem. His story is a testament to the power of resilience, continuous learning, and embracing innovation. He stands as proof that African talent can compete and lead on the world stage.
As Bridge Africa Technologies continues to recognize and celebrate Nigerians excelling in their fields abroad, Michael Adegbite stands tall among them. His achievements reinforce the narrative that Nigerians are not just participants but innovators and leaders shaping the industries of tomorrow.
To the young minds looking to follow in his footsteps, Michael’s advice is clear: Stay adaptable, embrace knowledge, and never stop learning. The future of finance is being shaped today, and with the right mindset and skills, the next generation of innovators will rise to even greater heights.
Michael, it has been a pleasure speaking with you. Your journey is inspiring, your insights invaluable, and your contributions to the financial technology space undeniable. Thank you for sharing your story with us.
