Tim Kotin

Data and AI Expert

Frankfurt, Germany


  • Data Analytics and AI
  • Credit Risk Scoring
  • Digital Financial Services
  • International Development


  • East, West and Central Africa
  • Europe
  • USA


  • English
  • German
  • Twi
  • Konkomba


  • Cambridge (Mphil. Engineering)
  • Harvard (Bsc. Electrical Engineering & Computer Science)

Timothy Kotin is an Associate Consultant with Digital Disruptions with over 14 years of technology, international development, digital financial services experience.  At Digital Disruptions, he supports consulting engagements with banks, MNOs, and fintechs in Africa and Asia by providing credit, data science and analytics expertise.

He is also the Co-Founder of Superfluid Labs a pioneering data analytics and artificial intelligence firm serving emerging market financial institutions, fintech firms and start-ups with operations across Africa and Europe. Before that, he was a Research Scientist at IBM, where his team developed several business innovations for some of the largest enterprise clients in Africa, with a focus on financial services innovation. And as a Consultant at Dalberg, he advised key public and private sector development actors such as the U.S. Government, Gates Foundation, Rockefeller Foundation, and the UN Foundation.

Originally from Ghana, he studied Computer Science and Electrical Engineering at Harvard University and holds an MPhil. in Engineering for Sustainable Development from the University of Cambridge as a Gates Cambridge Scholar. He is based in Frankfurt, Germany.

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