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By Islamiyat Kareem
Gbenga Adigun, founder of Scrella, is championing a new era of accessible device insurance in Nigeria.
With a strong background in banking and finance, he brings strategic insight to the insurtech space.
By integrating AI-led remote inspection and a no-appearance sign-up process, he is making smartphone insurance simpler, faster, and more affordable for everyday users.
According to Adigun device insurance helps people protect their livelihoods. He disclosed that making protection simple and reliable turns insurance into a proactive choice.
Many people only think of insurance when trouble arises. How do you change that mindset?
That mindset comes from experience. People only value protection when they have felt loss. Changing it starts with making protection part of everyday thinking, not an afterthought. When people understand that protection preserves their ability to continue working and living without disruption, it becomes something they choose proactively, not reactively.
What everyday experiences convinced you that device protection is no longer optional?
I saw how deeply people depend on their phones for income, communication, and financial access. For many Nigerians, a phone is their office, their bank, and their connection to opportunity. When that device is suddenly unavailable, the impact is immediate. That reality made it clear that protecting these tools is no longer optional; it is essential.
How does Scrella speak to people who feel insurance is not meant for them?
We start by meeting people where they are. Protection should not feel exclusive or complicated. We focus on clarity, accessibility, and relevance. When people see that protection applies to their everyday tools and their everyday lives, it becomes something they can trust and embrace.
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What fears do users express most when engaging with digital insurance for the first time?
The most common fear is uncertainty, whether the protection will truly work when they need it. People want assurance that promises will be kept. Our responsibility is to provide transparency, reliability, and consistent support so users feel confident in the protection they have chosen.
How do you simplify complex financial ideas without diluting responsibility?
Simplicity comes from clarity, not reduction. We focus on communicating what protection does, why it matters, and how it supports people’s stability. People do not need complexity; they need honesty and understanding. Responsibility remains at the core, even when communication is simple.
What does peace of mind mean to someone whose phone is their livelihood?
Peace of mind means continuity. It means knowing that an unexpected event will not completely disrupt their ability to work, earn, or communicate. It allows people to focus on their goals without constantly worrying about what could go wrong.
How do you respond to scepticism in communities that rely on informal solutions?
Scepticism is natural, especially when trust has been shaped by informal systems over time. The only way to address it is through consistency and reliability. Trust is not built through words alone; it is built through actions and outcomes. When people see protection working in real situations, confidence grows.
What role does storytelling play in helping people understand risk?
Stories help people connect ideas to real life. When people hear how protection has helped others continue working and moving forward despite challenges, it becomes easier to understand its value. Storytelling makes risk real, and protection meaningful.
How do you ensure that convenience does not encourage carelessness?
Protection is not a substitute for responsibility; it is a safeguard against uncertainty. We encourage users to value and care for their devices while providing protection that supports them when unexpected situations arise. The goal is stability, not complacency.
What personal experience most shaped your belief in preventive protection?
I have seen firsthand how unexpected loss can disrupt progress and create setbacks. Those experiences reinforced the importance of building systems that help people recover quickly and continue moving forward. Prevention and protection are ultimately about preserving momentum and opportunity.
