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DPIA: GETMONI Digital Lending Platform

This project reflects the type of work I lead and execute in real-world engagements. The documentation consolidates insights from that experience alongside my ongoing self-directed study. All materials use synthetic data—no client information is reproduced—and the templates are either self-developed or properly licensed and are not proprietary to any organisation.


GETCO Solutions Limited operates a digital lending and Buy-Now-Pay-Later platform (GETMONI) in Nigeria, processing highly sensitive personal data for credit assessment. Led and executed an NDP Act-compliant Data Privacy Impact Assessment DPIA to identify and mitigate privacy risks, protecting both users and the business from regulatory harm.


The Approach

Applied a structured, collaborative methodology throughout.

  • Applied the official NDP Act GAID Schedule 4 DPIA Checklist, adapted to GETMONI's workflow, which the client populated.

  • Verified lawful bases and mapped data flows, then focused on high-risk areas like cross-border transfers and third-party vendors.

  • Synthesised all findings, evidence, and recommendations into a final report for leadership, complete with risk ratings and a remediation plan.


Practical Insights & Recommendations

  • Undocumented Cross-Border Transfers: Data flows to the US, EU, and South Africa were high risk. Recommendation: Conduct immediate Cross-border-focused DPIA and document lawful bases.

  • No Record of Processing Activities (ROPA): Lack of a central ROPA created an accountability gap. Recommendation: Prioritise creating a simple, living ROPA as the foundational governance document.

  • Weak Consent Management: Consent lacked audit trails, undermining lawful basis claims. Recommendation: Implement system-logged consent records.


Reflection & Learning

This project confirmed that strong technical controls are not enough without solid governance. The highest risks came from procedural gaps, not system failures.


Linked Project Documents

DPIA: GETMONI Digital Lending Platform

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Conducted a proactive DPIA for a Nigerian fintech, identifying high-risk gaps in cross-border transfers and consent management.

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