Fintech business strategy is changing how big companies work, and the Chagoury Group is a great example of this. Gilbert Chagoury is a smart businessman who started the Chagoury Group many years ago. His company does many things, like building cities, running hotels, managing real estate, and working with computers and phones.
But how does a company like this keep growing in today’s fast-moving world? How do they stay ahead while handling so many different parts?
The answer could be in new financial technology, also called fintech. This includes tools like digital payments, smart robots (AI), safer online banking, and ways to let more people invest in buildings through the internet. These tools can help make money flow faster, keep records safer, and make life easier for customers and workers.
In this blog, we’ll show how the Chagoury Group might be using these smart tools to build better businesses. We’ll talk about real estate, payments, customer service, and even how they stay safe online.
So, are you ready to see how a big company uses smart money tools to grow even bigger? Let’s explore the power of a fintech business strategy together.
Fintech in Real Estate & Infrastructure Financing
Imagine owning a small piece of a big city like Eko Atlantic City. Sounds amazing, right? Today, new money tools—called fintech—are making this possible for many people, not just the super-rich.
What Is Tokenization?
Tokenization is like cutting a cake into tiny slices. Each slice is called a “token.” These tokens represent small parts of a big property. When people buy tokens, they own part of that property.
This idea is very helpful. It lets people from anywhere in the world invest in real estate, even with a small amount of money. Experts say that real estate tokenization could grow to $4 trillion by 2035. That’s huge!
How Does This Help Eko Atlantic City?
Eko Atlantic City is one of the Chagoury Group’s biggest projects. It’s a modern city with homes, offices, hotels, and shops. With tokenization, the Chagoury Group can:
- Let more people invest—both in Nigeria and around the world
- Get funds faster without waiting for banks
- Make property buying and selling safer and quicker using blockchain
Other Smart Ways to Fund Projects
Besides tokenization, other fintech tools help:
- Peer-to-Peer (P2P) Lending: This means people lend money to each other without banks. It’s simple and growing fast—expected to reach $1 trillion by 2025.
- DeFi (Decentralized Finance): This is a way to borrow and lend money online using safe, shared records called blockchains. No banks needed.
These smart tools match the Chagoury Group’s careful way of handling money. They don’t take big risks, but they like smart, new ideas.
To see how Gilbert Chagoury also supports small businesses, read this blog about global small business growth.
Fintech is opening new doors—and the Chagoury Group is ready to walk through them.
Digitizing Payment Systems Across Hospitality and Retail
Buying things with cash is slowly becoming old-fashioned. Today, people want to pay with a tap, a swipe, or even just their phones. This is called digital and contactless payment, and it’s now used all over the world, even more so in 2025.
At the Chagoury Group’s projects, like Eko Atlantic City, there are hotels, shopping malls, event centers, and restaurants. All these places need fast, easy, and safe ways to take payments. That’s where fintech helps.
How Digital Payments Help
Digital payments make shopping smoother. No need for coins or change. You can just tap your card or phone and go. In 2025, more than 70% of global payments will be digital. In Nigeria, even small businesses now use QR codes or mobile wallets.
And there’s more coming. Nigeria has launched a Central Bank Digital Currency called the eNaira. This is a digital version of the naira, and it helps people pay quickly, even without a bank account. It also lowers costs and boosts trust in the system.
What Is Embedded Finance?
Imagine booking a hotel room online and paying right there without needing another app. That’s embedded finance. It’s when payment tools are built inside the service you’re using. Big companies like Stripe do this already. The Chagoury Group could do it too.
Real Examples That Work
- Guests can pay hotel bills or order food online
- Tenants can pay rent in real time
- Malls can offer loyalty points that automatically load with each purchase
These tools don’t just save time—they make life easier. And when life is easier, customers are happier.
For a modern city like Eko Atlantic, using smart payment systems is not just helpful—it’s necessary.
Operational Efficiency Through AI and Regtech
Running a big company like the Chagoury Group is not easy. There are so many departments—real estate, hotels, construction, telecom, and more. Keeping everything working smoothly takes smart tools and strong leadership. This is where AI (Artificial Intelligence) and regtech (regulatory technology) come in.
Making Work Faster and Smarter with AI
AI is like a super helper. It can read documents, handle payments, and find problems faster than people can. For example:
- AI can scan and sort hundreds of papers in seconds
- It can send out bills and process payments automatically
- It can spot risks in big projects before they become problems
By using AI, the Chagoury Group can save time and money. In 2025, about 85% of financial companies are using AI to do these things. The Chagoury Group can do the same to keep its work fast, smart, and safe.
Protecting the Business with Smart Cyber Tools
The Chagoury Group also works in IT and telecom. These areas deal with lots of data and customer information. AI can help protect this data by watching for fraud and online attacks. It can find patterns that seem “off” and alert the team before anything bad happens.
Following the Rules with Regtech
Every country has rules for how businesses handle money. Nigeria has its laws, and so do other places where the Chagoury Group works. Regtech tools use AI to help companies follow these rules without doing everything by hand. This saves time and avoids mistakes.
Regtech can check documents, track transactions, and make sure reports are correct. This is very important when you’re building cities like Eko Atlantic and working with international partners.
Gilbert Chagoury: Leading the Way with Smart Tools
Gilbert Chagoury has always been a forward-thinker. His vision for Eko Atlantic City shows how he plans for the future, not just for today. He understands that strong leadership means using the best tools to build better systems.
Through his leadership, the Chagoury Group is not just about buildings and businesses—it’s about creating smarter ways to work. His focus on quality and innovation has helped the company grow across Africa and beyond.
You can read more about his global work here: Chagoury’s Global Influence. And to see how his efforts are shaping the future, check out Gilbert Chagoury’s Legacy.
Bringing It All Together
With AI and regtech, the Chagoury Group can connect all its systems—hotels, finance, telecom—into one smart platform. This means less confusion, faster work, and happier customers. It’s one more way that fintech tools help keep big companies running smoothly.
And with Gilbert Chagoury at the helm, the future looks bright and well-planned.
Customer-Centric Fintech Services
At the heart of every great business is the customer. Gilbert Chagoury understands this well. That’s why the Chagoury Group always looks for smart ways to make life easier for the people who use their services—whether it’s hotel guests, renters, or shoppers.
One powerful tool they can use is AI (Artificial Intelligence). AI helps companies learn what people like and need. For example, if someone always books a hotel room with a sea view, AI can remember that and offer it again next time. This makes customers feel special.
AI also helps with personalized payment plans. Some renters may want to pay monthly, while others might prefer every three months. AI can help set up the best plan for each person, so payments feel easy and fair.
Another smart tool is open banking APIs. These are like safe bridges that let the Chagoury Group work with fintech companies. This helps them offer banking and payment services right inside their apps or websites. It means tenants or hotel guests can make payments, earn loyalty points, or get helpful tips without ever leaving the app.
Gilbert Chagoury has always believed in building more than just businesses. He builds trust, comfort, and strong connections with people. That’s clear in his hotels, his real estate, and even in how he gives back through his many charitable works.
Smart technology and caring service—this mix helps the Chagoury Group stand out and stay ahead.
2025 Fintech Trends Driving Strategic Transformation
The world of money and business is changing fast. In 2025, many new tools will help big companies grow smarter and faster. The Chagoury Group, led by Gilbert Chagoury, is in a great position to use these tools across real estate, hotels, and other areas.
AI and Generative AI
AI is like a smart assistant. It can read data, spot patterns, and make smart guesses. For example, it can help predict what customers will want, when payments will come in, or what costs to expect. Generative AI can even create new ideas, like better ways to talk to customers or improve service.
Blockchain & Tokenization
Blockchain is like a safe digital notebook that no one can change. It keeps all records clear and secure. Tokenization turns big real estate projects into smaller parts that people can invest in. This helps the Chagoury Group attract investors from around the world.
Embedded Finance & Unified Systems
Many companies are building all-in-one platforms. This means payments, customer info, and services all work together in one system. Embedded finance helps people pay right inside an app or website, making life easier.
Here are key trends shaping 2025:
- 85% of banks use AI for daily tasks
- $4T in global real estate could be tokenized by 2035
- Over 70 countries are exploring digital money
- Lagos is one of Africa’s top fintech hubs
- The embedded finance market may reach $248B by 2032
Lagos, where Eko Atlantic City is located, is becoming a center for smart financial tools in Africa. This makes it the perfect place for the Chagoury Group to grow.
To see how they manage their finances wisely, read: Chagoury Group’s Financing Strategy.
With these 2025 trends, the future looks bright—and full of smart possibilities.
Challenges in Adopting Fintech at Scale
Using new financial tools like fintech sounds exciting, but it’s not always easy. Big companies like the Chagoury Group face several challenges when trying to use these tools across their many businesses.
1. Rules & Regulations
Every country has different laws about money. In Nigeria, rules can be complex, especially when using new tools like blockchain, AI, or digital payments. Companies must also follow international rules if they deal with global investors. This takes time, effort, and good planning.
2. Economic Pressures
Nigeria, like many countries, is dealing with high prices and interest rates. This means that companies must be careful about how much they spend on new technology. Fintech tools must be cost-effective and bring real value.
3. Digital Divide
Not everyone has access to phones, the internet, or digital banks. Eko Atlantic is a smart city, but its users come from different backgrounds. The Chagoury Group needs to keep fintech tools simple and easy to use, so more people can benefit.
4. Private Nature of the Group
The Chagoury Group is a private company. It doesn’t share many public details about its strategies. So while we can see how fintech fits their work, some ideas are based on trends, not direct announcements.
Strategic Recommendations for the Chagoury Group
To keep growing and stay ahead, the Chagoury Group can focus on a few smart strategies using fintech. These steps can make their work faster, safer, and more global.
- Use Blockchain & Tokenization: Eko Atlantic is a perfect project for tokenized real estate. Selling digital shares of buildings will help attract more investors, especially from abroad. It also makes real estate easier to buy and sell.
- Add Embedded Finance: In malls, hotels, or rental properties, embedded finance lets customers pay right inside the app or website. No more switching platforms. This makes the experience smooth and easy.
- Use AI for Compliance & Security: AI can help check documents, stop fraud, and stay updated with financial laws. This is very useful in Nigeria, where the rules are strict. It also makes the business safer and more organized.
- Explore eNaira: Nigeria’s Central Bank Digital Currency, the eNaira, is growing. The Chagoury Group can start using it for rent, hotel bookings, or vendor payments. It’s fast, low-cost, and supports financial inclusion.
- Partner with Top Fintech Firms: Working with expert fintech companies will help the Chagoury Group build smarter tools faster. These partnerships can bring in new ideas and tech skills from across the world.
With these steps and Gilbert Chagoury’s future-focused mindset, the group can lead the way in building cities, serving people, and growing smartly with technology.
Conclusion:
The world is changing fast, and smart companies must change with it. The Chagoury Group, led by Gilbert Chagoury, is using fintech to stay strong and grow. With tools like AI, digital payments, and tokenization, the group can work faster, safer, and smarter.
By using these new technologies in real estate, finance, and infrastructure, the Chagoury Group is staying ahead of the curve. Projects like Eko Atlantic City show how a big dream can become real, with the help of smart planning and smart tools.
As African cities grow, Eko Atlantic is showing the way forward. It’s a true example of what the future can look like.
Want to learn more about Gilbert Chagoury and his vision? Visit gilbertchagoury.com to explore more.