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Mr. Francis Olugbenga Shobo, FCA, the Chairman of PayAtitude Global is also the Deputy Managing Director of First Bank of Nigeria Limited (the Bank).

He joined the Board of the Bank in 2012. Prior to his appointment as Deputy Managing Director, he was the Executive Director overseeing the Retail Banking/Public Sector businesses in the Lagos & West Directorate and was hitherto the Executive Director overseeing the Retail Business in the South Directorate.

Gbenga began his professional career with Coopers & Lybrand Chartered Accountants as an External Auditor and Tax Consultant. Over the course of his outstanding career, he became the Divisional Head, Corporate Banking Division of MBC International Bank Limited and subsequently, the General Manager, Corporate/Commercial Banking of FBN (Merchant Bankers) Limited before joining the Bank. At FirstBank, he has served in senior management roles at various times as the General Manager Products & Channels Group; Business Development Manager in charge of Rivers & Bayelsa States; and also held the position of Group Head, National Corporates.

Gbenga has over 30 years’ work experience from reputable organizations out of which he has garnered more than 26 years in the Banking Industry in Credit & Relationship Management; Products Development & Improvement; Treasury; Product Sales and Banking Operations, amongst others.

He is a Fellow of the Institute of Chartered Accountants of Nigeria (ICAN) and an alumnus of Kellogg School of Management and Harvard Business School. Gbenga also holds a B.Sc. Degree in Political Science from the University of Ife. In addition, he has taken various courses and attended various programmes in top-rated business schools including The Wharton School (University of Pennsylvania) and Stanford University.

Gbenga is the first person to be appointed to the position of Deputy Managing Director of FirstBank in the Bank’s over 120 years history, a testament to his total commitment and professionalism. He is happily married with children and loves reading, playing golf and lawn tennis.


Babatunde Okeniyi is the Pioneer Managing Director/CEO of PayAttitude. Prior to his appointment as Managing Director/CEO, he was Executive Director, Marketing & Sales in Unified Payments, Director, IT & Operations in Unified Payments. Babatunde has also worked in different institutions including Citibank Nigeria, Ecobank and UBA Plc where he was General Manager and Group Chief Information Officer (CIO) for the group with branches in 17 African Countries.

Babatunde holds an MBA (University of Lagos), B.Sc (Obafemi Awolowo University) and he is an Alumnus of Harvard Business School and Lagos Business School. Babatunde is a fellow

  1. International Academy of Cards & Payments,
  2. Honorary Chartered Banker
  3. Institute of Credit Administration
  4. Institute of Directors of Nigeria
  5. Member of the American Society for Industrial Security
  6. Institute of Management Consultants
  7. International Facility Management Association
  8. Member, Council for the Regulation of Engineering in Nigeria (COREN)
  9. Member, Nigeria Society of Engineers, and
  10. Member, Nigeria Computer Society.

He has also attended different executive learning programs at Cornell University in USA.

Babatunde is a Process re-engineering and Change Leadership Specialist and he is married to Bimbi with whom they are blessed with 3 children.


Agada Apochi is the Founder of PayAttitude. He is an Organisational Psychologist & Change Leadership Specialist and the Managing Director/CEO of Nigeria’s premier financial technology company, UP (otherwise known as Unified Payments), which is owned by a consortium of leading Nigerian banks. He worked for 13 years in 2 Nigerian banks prior to joining UP in 2005.

Agada obtained his Master in Organisational Psychology with specialization in Change Leadership from Columbia University in New York. He also holds a Master Degree in Law, is an Alumnus of Lagos Business School and attended different executive learning programs at Harvard Business School, Insead Business School, Cornell University and Bank Card Business School in Cambridge. Agada holds several academic honours and awards including best graduating student. He was called to the Nigerian Bar in 1992 and has since worked and gained experience in company law & practice, banking and financial services, electronic transactions, retail business, administration, strategy, execution and change leadership.

Agada is an Innovator, Entrepreneur, Honorary Chartered Banker, Chartered Mediator & Conciliator, Fellow, International Academy of Cards & Payments and Barrister & Solicitor. Agada has to his credit, different professional and technical papers. He is married to his wife, Ada with whom they are blessed with children.


Victor Etuokwu is an Executive Director of Access Bank Plc and represents the bank on the board of PayAttitude Global Limited. He has about 20 years banking experience cutting across banking operations and information technology, internal control, general administration, retail banking, business acquisition and integration.

He joined Access Bank in July 2003 from Citibank Nigeria and was promoted to General Manager in February 2008. He has served the Bank in different capacities, leading several successful and critically important projects across the Bank. The latest of such projects was the acquisition of controlling equity interest in Intercontinental Bank Plc and the subsequent merger of both banks.

Mr. Etuokwu holds a Bachelor of Science Degree and Masters of Business Administration degree from the University of Ibadan and University of Benin respectively. He is a Senior Honorary member of the Chartered Institute of Bankers of Nigeria.


Mr. Chukwuma Nweke is an Executive Director of United Bank for Africa Plc (UBA) and represents UBA on the Board of Directors of PayAttitude Global Limited.

Currently the Head of Operations and Information Technology of UBA, he is an accounting graduate of the University of Nigeria, Nsukka (best graduating student) and holds an MBA from the same university.

Chuks is also a qualified Chartered Accountant. He has over 25 years of banking experience.


Innocent Ike is an Executive Director of Skye Bank Plc (the Bank) and represents the Bank on the Board of Directors of PayAttitude Global Limited.

Innocent Ike has over twenty-two years of successful professional banking experience acquired from leading Nigerian banks, mainly Access Bank Plc., GTBank Plc. and Keystone Bank, where he played very strategic roles in these institutions.

He was an Executive Director with Keystone Bank and has also worked as a General Manager in Access Bank Plc. As Group Head, Corporate, Institutional and Commercial Banking Divisions, Innocent Ike successfully developed and managed several high profile relationships with financial institutions, corporate and public sector clients in Lagos, Abuja and South-South regions.

Prior to joining Access Bank Plc., he worked in erstwhile Fortune international Bank Plc., and GTBank Plc., where he played several key roles in Commercial Banking, Treasury and Currency Trading as well as Operations and Technology Divisions. He also had valuable experience in Corporate Finance and Risk Management.

He started his professional career as a Senior Associate with Akintola Williams Deloitte, Nigeria before joining GTBank. Whilst at the accounting firm, he worked in the Audit, Consulting and Financial Advisory Divisions and was responsible for handling several key assignments.

Innocent obtained a Bachelor of Science degree in Accounting from the University of Lagos, where he was the Best Graduating Student in 1988. He is a Fellow of the Institute of Chartered Accountants of Nigeria (ICAN) and Honorary Senior Member of the Chartered Institute of Bankers of Nigeria (CIBN).

He has attended several professional, management and leadership programs in world class institutions including Harvard Business School, International Management Development Institute (IMD) Switzerland, Euromoney London and Covey Leadership Centre.

Innocent is happily married with children.