Ayo Ogunlowo

Co-founder, PennyTree

Ayo Ogunlowo

Co-founder, PennyTree

About

Ayo Ogunlowo with his passion for technology started his career as a banker with Access Bank
Plc, where he finished as the best graduating student of his set. He also proceeded to specialize
in areas such as Information Technology, Corporate Strategy, Digital Banking, and Finance
where he expanded his strength and excelled in these areas.

While at Access Bank, he co-led the Group Program Management Office with projects worth
over $5m under his purview and built project management capabilities for staff bank-wide.
His deeply rooted love for technology inspired him to join Andela – a global talent network that
connects companies with vetted, remote engineers in emerging markets, where he worked as a
Program Manager overseeing software engineers across different stacks in Nigeria, Kenya,
Uganda, and Rwanda. His time in Andela allowed his ideas on digitization to bloom.

Having left Andela, he capitalized on his expertise and established several companies,
specializing in Management and Technology consulting, SME Financing, and Hedge funds
management. He recently co-founded two new startups – PennyTree Inc. (A lifestyle savings
platform using AI features) and Treegar Inc. (An investment platform to trade and invest in
stocks listed on the NYSE and NASDAQ) set to launch in Q4, 2021.

Despite all that has been said, Ayo’s dream is to build a financial ecosystem that will cater to the
needs of the mass market seamlessly.