BSc in Economics; MCom and PhD in Management Science. Formerly, Lecturer, University of Ilorin, Nigeria. With Central Bank of Nigeria: 1993, Assistant Director, Research Department; 2004, Director, Banking Operations Department; since 2007, current position. Formerly, Chairman: Nigeria Interbank Settlement System, Central Bank of Nigeria; National Payments System Committee, Central Bank of Nigeria. Member, Nigerian Economic Society. Author. Research interests: interbank market, term structure of interest rates.