Data infrastructure for Nigerian fintechs that need to know exactly what came in, what went out — and where it went missing.
Merciven builds production-grade data platforms on Azure and Databricks — transforming fragmented transaction data into irrefutable truth. When your board asks questions, you'll have answers.
Payments settle. Ledgers don't. Millions move through Paystack, Flutterwave, and internal systems — none speaking the same language. The gap between them is where money disappears.
CBN asks questions. NDPC wants data documentation. Auditors want trails. Nobody has clean answers. The cost of being unprepared isn't a fine — it's a licence revocation.
Data disappears. Nobody knows when. Six-month gaps in transaction history. Duplicate disbursements that paid out twice. Repayments collected but never reconciled on the books.
Paystack. Flutterwave. Internal ledgers. Loan management systems. None were built to talk to each other. Your team spends 3 days a month on reconciliation that should take 3 minutes.
A fintech founder called on a Tuesday afternoon. Not a DM. A call. Voice shaking. "Mercy, we're bleeding. Millions are leaving and we don't know where it's going."
I don't freelance. But this wasn't a project — this was a man watching his company die in slow motion, unable to explain it to his board, his investors, or himself.
What I found when I got inside that system was not a data problem. Transactions marked successful that never settled. Loan repayments vanishing between systems. Duplicate disbursements paying out twice. A six-month gap in the audit trail.
They had been processing hundreds of millions of naira monthly. Nobody — not their tech team, not their finance team, not their auditors — could tell you where a single naira went after it entered the system.
This is not a dashboard. This is the infrastructure that makes every number in your organisation trustworthy — from raw webhook to board report.
Every transaction. Every event. Every webhook from Paystack, Flutterwave, or any system. Raw, unmodified, immutable. With full NDPA provenance metadata attached at ingestion. Nothing can disappear from here.
Kobo converted to NGN. Phone numbers normalised to +234. Duplicates detected and removed. Paystack, Flutterwave, and your internal ledger speaking one unified language. PII masked for compliance.
Board-ready reports. CBN NPL analysis with provisioning rates. Settlement reconciliation. Executive dashboards. Vintage cohort analysis. Every number your investors, regulators, and board will ever ask about — already answered.
Loan book intelligence, NPL analysis, CBN provisioning. Know exactly which borrowers are at risk before the regulator asks.
Settlement reconciliation across every PSP. End the monthly spreadsheet nightmare. Close your books in hours, not days.
Portfolio analytics, customer lifetime value, churn prediction. Turn transaction history into growth intelligence.
Network performance monitoring, float management analytics, agent reliability scoring at scale across thousands of touchpoints.
Customer 360 analytics, product performance dashboards, real-time fraud detection signals, and regulatory reporting — all from one platform.
Nigerian fintech operates under some of the most demanding regulatory environments in Africa. Merciven builds compliance into the pipeline — not as an afterthought, but as architecture. Every layer is designed to answer the regulator's question before it's asked.
Governs how personal data is collected, processed, and stored. Fintechs must register with NDPC within 6 months of processing personal data and conduct DPIAs.
Requires NPL classification, provisioning ratios, suspicious transaction reporting, and quarterly audit trail submissions. Non-compliance = licence risk.
Data localisation requirements for Nigerian citizen data. Mandates that personal data of Nigerians must be stored on servers physically located in Nigeria.
Required for any fintech handling card payment data. Covers encryption, access controls, audit logging, and vulnerability management across the data environment.
Merciven is a cloud data engineering company headquartered in Lagos, Nigeria. We partner with enterprises across Africa to design, build, and operate production-grade data platforms on Azure and Databricks.
We started in Nigerian fintech because that's where the data problems are most expensive — and least solved. But our platform approach applies across any industry where data integrity determines business survival.
We also invest in the next generation through internship programmes and competition sprints — and pursue long-range research at the frontier of AGI and knowledge preservation.
Get in TouchEvery engagement treated as high-stakes architecture. No corners cut. Production-grade standards from day one.
We own the full data lifecycle — from raw ingestion through transformation to analytics-ready serving. One partner, zero gaps.
Local regulatory expertise. Nigerian fintech connectors pre-built. We understand the constraints and the velocity of growth here.
Every engineering decision connects to a business outcome. Technical excellence in service of commercial results.
Our platform expertise spans the full modern data stack. Every tool selected for scalability, reliability, and cost-efficiency at enterprise scale — with Nigerian fintech connectors pre-built.
Three dashboards. All powered by the Gold layer. All live-connected to Databricks. All the answers your board needs before they ask.
Every naira across Paystack, Flutterwave, and your internal ledger — matched, reconciled, and reported daily.
CBN NPL buckets, provisioning rates, days-past-due, and vintage cohort analysis — updated every pipeline run.
The single source of truth for your board. Pipeline health, data freshness, business KPIs — all in one view.
Enterprise data engineering is measured in reduced latency, fewer incidents, and faster business decisions — and in founders sleeping again at night.
From greenfield data platform builds to forensic investigation engagements — Merciven delivers end-to-end solutions that give your teams trusted, analytics-ready data from day one.
Forensic investigation of financial discrepancies, missing transactions, or reconciliation failures. We trace every naira and produce a board-ready report within 72 hours.
End-to-end design and build of your fintech data platform on Azure and Databricks. Medallion architecture, governance, and full observability from day one.
Pre-built connectors for Paystack, Flutterwave, and Nigerian banking APIs. Kobo conversion, phone normalisation, BVN validation, HMAC webhook security — ready to deploy.
NDPA-compliant data architecture, CBN NPL reporting pipelines, PCI-DSS data isolation, and NITDA data residency on Azure Nigeria regions. Compliance built in, not bolted on.
Power BI dashboards connected live to your Gold layer. Settlement reconciliation, loan book health, NPL analysis, and transaction KPIs — auto-refreshed every morning.
Your entire data engineering function as a managed service. We run the pipelines, handle incidents, deliver the Gold layer every morning. You focus on your product.
While fintech data engineering anchors Merciven's present, our long-range research sits at the intersection of AGI, quantum cognition, and neuroscience — asking whether recorded human consciousness can persist beyond biological death.
For Africa — where oral knowledge and ancestral wisdom are civilisationally foundational — this is not speculative. It is urgent.
Discuss the Research →High-resolution neuroimaging and BCI technology to map neural architecture. Priority regions: prefrontal cortex, hippocampus, amygdala.
Investigating Penrose-Hameroff Orch-OR: if quantum coherence underlies consciousness, classical digital systems cannot faithfully preserve it.
Training AGI on rich longitudinal personal data — language, decisions, emotional patterns, value structures — combined with connectome maps.
Merciven runs hands-on programmes for students, NYSC corpers, and early-career data professionals. Participants build production-grade solutions on real data — then compete for prizes and recognition.
A 4-week, 100% online project-based challenge for students building real-world AI-powered data systems — Data Engineering, Automation, QA & Testing, and a final project.
Build production-ready cloud data pipelines on real business datasets. Architect, build, validate, and present a complete lakehouse solution on Azure and Databricks.
Work directly on pipeline development, ETL/ELT patterns, and data quality frameworks on real fintech data.
Data modelling, dimensional design, and semantic layer work. Transform raw platform data into analytics-ready models.
Contribute to Merciven's frontier research in consciousness persistence, knowledge graph extraction, and AGI identity frameworks.
Whether your fintech needs a forensic data audit today, or you want to build the infrastructure that makes this problem impossible next time — Merciven delivers with precision.