Capability Index

Samson Odo

Systems thinker. AI governance author. Product builder.

LocationAbuja, Nigeria
DomainAI Governance · Product · Policy
CurrentFounder & CTO, Paylo
UpdatedFebruary 2026
01

Who I Am

I'm a self-taught developer and systems thinker based in Abuja, Nigeria. I build things that address structural problems in technology, policy, and the systems that connect both. My work spans AI governance frameworks at national scale, product architecture for African markets, and accountability infrastructure design for public administration. Rather than describing problems, I build construction manuals for solving them.

02

Demonstrated Work

Governing by Data — A Systems Framework for Accountable Public Administration in Nigeria

February 2026
Policy Framework

A 60-page governance architecture proposing four interdependent accountability layers for Nigerian public administration: independent data infrastructure, public benchmarking, automated consequence architecture, and merit-based civil service reform. Incorporates blockchain immutability for tamper-proof record keeping, AI pattern recognition for corruption detection, behavioral adoption design for civic technology, and a permanence architecture designed to survive hostile political cycles. Better than a vision document. A construction manual.

Nigerian Ethical AI Framework (NEAIF)

2025
National AI Policy

A national AI policy framework authored independently while Nigeria operated on an incomplete draft policy. Covers ethical AI deployment standards, governance structures for AI systems at national scale, accountability mechanisms, and regulatory design adapted to Nigeria's institutional context. Produced without institutional affiliation. Covered by major Nigerian national media.

Paylo — AI-Native Commerce Platform for African Markets

2025–Present
Product · Founder

Founder and CTO of Paylo, a two-sided AI-native marketplace built for African markets. Full-stack architecture including iOS and Android applications, real-time messaging, payment integration, service booking infrastructure, visual search, and merchant verification systems. Built and launched as a solo technical founder. Designed around the infrastructure constraints and behavioral patterns specific to African consumer markets.

The System Is Working… What's the Problem?

February 2026
Published Essay

A systems analysis of Nigeria's governance failures reframed as infrastructure problems rather than moral failures. Argues that tribal loyalty, political apathy, and reform resistance are rational adaptations to a system that was never designed to produce different behavior. Published ahead of Nigeria's election cycle.

03

Capability Profile

Systems Architecture

Designs interdependent, self-reinforcing systems across governance, technology, and behavioral economics. Demonstrated at national policy scale and product architecture level.

AI Governance

Authored two national-level policy frameworks addressing ethical AI deployment, accountability infrastructure, and regulatory design for emerging market contexts.

African Market Expertise

Deep contextual understanding of Nigerian and broader African market dynamics, consumer behavior, infrastructure constraints, and institutional landscape.

Product Development

End-to-end technical execution from architecture to deployment across mobile, web, and backend systems. Solo founder track record across full product lifecycle.

Policy Writing

Produced peer-quality governance documentation without institutional affiliation. Cited in national media coverage. Frameworks designed for practitioners, not academics.

Cross-Domain Synthesis

Consistent track record of applying frameworks from one domain to solve problems in another. Behavioral economics to civic technology. Systems theory to product architecture.

04

Problems I Solve

How do you build accountability systems that survive hostile political environments and don't depend on the virtue of whoever is in charge?

How do you design civic technology that achieves behavioral adoption without mandates, in a population that has rational reasons to distrust institutions?

How do you architect a product for a market where infrastructure assumptions borrowed from Western contexts don't hold?

How do you translate systems thinking into deployable policy that practitioners can actually use?

How do you make the rational choice the convenient one — structurally, not through appeals to better nature?

05

Recognition

Board Member, Afrique AI Lab
Author, Nigerian Ethical AI Framework
06

Current Focus

AI GovernanceEmerging MarketsPublic Accountability InfrastructureAfrican CommerceSystems PolicyProduct ArchitectureNigeria