• E-Doc Online, founded in 2021, provides an open-banking data gateway that connects— with user consent— to bank accounts and transaction histories in real time.

• The company’s API automates identity verification, credit decisions and compliance, using AI and large language models to classify unstructured banking data.

• The system aims to strengthen risk scoring, reduce document fraud and accelerate onboarding and lending for B2B financial institutions.

Tunde Ogundipe links banking data to risk evaluation and reshapes how financial actors operate. He redefines the use of information in credit decisions and the monitoring of financial services.

Tunde Ogundipe is a Nigerian financier and entrepreneur. He co-founded E-Doc Online and serves as its CEO. The UK-based company specializes in accessing and structuring financial data. It operates in Nigeria and provides a banking-data gateway for B2B institutions.

E-Doc Online, founded in 2021, develops data infrastructure based on open-banking principles. The technology connects— with user consent— to customers’ bank accounts and transaction histories. The platform then structures the data and delivers it to financial institutions and enterprises that need stronger customer insights and real-time risk evaluation.

The platform relies on an application programming interface (API) that automates identity verification and credit decisions. The API collects user consent, pulls real-time banking data and transmits it in a usable format to partner systems.

The system integrates artificial-intelligence models, including large language models that analyze transaction descriptions. These models interpret and classify unstructured data. The method strengthens risk-score accuracy, reduces attempts at document falsification and accelerates onboarding, loan approvals and compliance checks.

Before founding E-Doc Online, Ogundipe launched Kolobox in 2018. The application enables users to invest savings through a digital wallet funded automatically from a debit card at a defined frequency to help them meet financial goals.

Ogundipe holds a bachelor’s degree in accounting from Kennesaw State University in the United States and a management diploma obtained in 2006 from the Georgia Institute of Technology. He started his career in 2001 at Cingular as a senior IT accountant.

He joined Verizon in 2003 as a financial analyst. He later worked as a business analyst at Metro Bank in London from 2016 to 2019, and as an analyst at Bank of America Merrill Lynch in Ireland between 2020 and 2024.

This article was initially published in French by Melchior Koba

Adapted in English by Ange Jason Quenum