Meet the Two Young Nigerians From Osun State Building the App That Wants to Fix How Nigeria Manages Money

By Mayowa Amosun, Founder, Klak

There is a conversation that happens in almost every Nigerian household, every single month.

It goes something like this: salary drops, there is a brief moment of relief, a few necessary payments are made, some money is sent home, a few enjoyable things happen and then, somewhere around the 10th or 15th of the month, someone opens their banking app and physically recoils from the screen.

The money is gone. Nobody can explain where it went. And the cycle starts again.

I know this conversation well. I have lived it. So has nearly every Nigerian I know.

What frustrated me was not the spending. It was the invisibility. The complete absence of clarity around something as important as money. We were managing our finances blind, juggling four or five different banking apps, none of which talked to each other, none of which gave us a complete picture of what we actually had or where it was actually going.

That frustration is what became Klak.

Two Cousins. One Problem. One Idea.

My name is Mayowa Amosun. I am a writer, a creative and a youth advocate from Osogbo, Osun State. I am also, as of this year, a founder, something I did not necessarily plan, but something that feels completely inevitable in hindsight.

The person building Klak alongside me is my cousin, Amosun Godwin — a 22-year-old self-taught developer, also from Osun State, who has quietly been one of the most interesting technical minds I know.

We are not your typical startup story. We did not meet at a hackathon. We did not come out of a prestigious accelerator programme. We are two young people from a city that most Nigerian tech narratives overlook, building something we believe the country genuinely needs.

Godwin and I have always talked business. That is simply the nature of our relationship whenever we are together, ideas are in the air. But Klak was different from the other conversations. It was not an abstract idea. It was a direct response to something we both experienced and watched the people around us experience every single month.

When I brought the concept to Godwin, his response was immediate. "I said yes to building Klak," he told me recently, "because I believe technology should solve everyday problems in a simple way. Klak is not just another app to me, it is an opportunity to build something people can genuinely use and connect with."

That response told me everything I needed to know. We were building this.

What Klak Actually Is

Klak is a Nigerian personal finance app that connects all your bank accounts in one place, automatically tracks your spending, and warns you, in English and in Pidgin before your money runs out.

The idea sounds simple. That is intentional.

The average Nigerian manages three or more banking and fintech apps every month. GTBank. Access. Opay. Palmpay. Kuda. Each one shows you a fragment of your financial life. None of them shows you the full picture. Nobody has built the one dashboard that brings everything together for everyday Nigerians until now.

Klak connects to your banks through Nigeria's trusted open banking infrastructure. It pulls your transactions, categorises them automatically into food, transport, bills, airtime, social and presents you with something most Nigerians have never had before: complete financial visibility.

Beyond tracking, Klak sets budgets, monitors spending in real time, and delivers smart alerts the moment a budget threshold is crossed. On the premium tier, an AI engine analyses your patterns and delivers insights written the way Nigerians actually speak. Not corporate language. Not borrowed Western advice. Real observations, in plain English and Pidgin, about your actual spending behaviour.

The name Klak comes from the sound and feeling of money clicking into place. Of clarity arriving. Of finally understanding your own finances.

The Person Building It

What makes Godwin an interesting builder is not just his technical ability, it is his philosophy.

He is entirely self-taught, which in the Nigerian context means something specific. It means he built his skills without the safety net of a formal computer science programme, without an institutional support structure, learning React and mobile development and product thinking through sheer will and real-world application.

"I'm the kind of developer who learns by building," he says. "I like figuring things out in real time, adapting quickly, and improving through actual projects instead of waiting until I feel ready."

The technical foundation Godwin has built is quietly impressive, a production-grade architecture that handles real-time bank data, AI-powered spending insights, and subscription billing at a level typically associated with funded startups.

This is not a student project. This is production-grade thinking from a 22-year-old who has never been handed anything.

Why We Are Building From Osun State

There is something worth saying about geography here.

The Nigerian tech ecosystem has a Lagos problem. Most of the attention, most of the funding conversations, most of the media coverage flows to Lagos. Occasionally Abuja. The rest of Nigeria, its people, its ideas, its builders exists largely outside the narrative.

Godwin and I are from Osogbo. We are building Klak from Osun State. And we are building it for every Nigerian, not just the ones in Victoria Island.

The financial pain that Klak addresses is not unique to Lagos. It is not unique to graduates or tech workers or the urban middle class. It is a Nigerian problem, across every state, every income level, every generation. The 63% of Nigerians living below the poverty line are not there purely because of low income. A significant part of the problem is financial invisibility, the complete absence of tools that help ordinary people understand and manage the money they have.

Klak is our answer to that.

What We Are Building Toward

Klak launches on September 1, 2026.

The app will be available on iOS and Android. It comes with three tiers — a free plan called See Am, a pro plan called Know Am at ₦2,000 per month, and a premium plan called Gbam at ₦4,000 per month. The names are intentional. This is a product that speaks Nigerian.

But the app is only the beginning.

The larger vision is a Nigerian financial lifestyle ecosystem — one that combines the budgeting app with a financial literacy media platform, a campus ambassador programme that brings money conversations to university campuses across Nigeria, and eventually a smart partnership ecosystem that gives Klak users access to discounts and deals based on their actual spending patterns.

We are not trying to build another fintech. We are trying to build behavioral infrastructure for a new Nigerian generation. A generation that is done guessing about their money. A generation that deserves to see, understand, and control every naira they earn.

We Are Just Getting Started

Klak has no external funding. We are building with our own time, our own resources and an unshakeable belief in the problem we are solving.

We have a waitlist growing daily. We have a backend architecture that would hold up against any professional standard. We have five months until launch. And we have the thing that no amount of funding can buy a genuine understanding of the people we are building for, because we are those people.

If you are a Nigerian who has ever opened your banking app and wondered where your money went — Klak is for you.

If you are an investor, a partner, a journalist, or someone who wants to be part of what we are building — we would love to hear from you.

And if you just want to follow the journey, find us on Instagram at @klak.ng or our mail klak.ng1@gmail.com

Your money. Clear as Klak.

Mayowa Amosun is the Founder of Klak, MayorInspires and he is a Youth Ambassador at the World Literacy Foundation. He writes about creativity, youth advocacy, and Nigerian life. Follow Klak on Instagram: @klak.ng

Amosun Godwin is the co-founder and lead developer of Klak. A self-taught builder from Osun State, he is focused on creating technology that solves real problems for real Nigerians.