Adeola Omotayo Adebagbo is a financial analyst and data professional with expertise in financial reporting, treasury, and fintech innovation. He has worked with leading institutions including Lloyds Banking Group, Tesco Bank, Uk and other commercial banks in Nigeria where he delivered process improvements through automation, advanced analytics, and regulatory reporting. Adeola holds a Master’s degree in Financial Technology, a Bachelor’s degree in Economics, and is an ACCA member. His research interests span fintech adoption, financial stability, and digital transformation in banking, with publications in peer-reviewed journals. He also contributes to the academic community as a peer reviewer across multiple international journals