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The challenges in the business environment particularly the financial industry in Nigeria have undoubtedly made experts and managers be thinking about strategic ways of doing business to enhance customer satisfaction and organisational development. Part of this strategic option is the idea of improving team bonding among employees for them to improve effectiveness and efficiency. This study, therefore, leveraged social capital theory and resource-based theory to examine the influence of team bonding on the organisational development of the fintech sector in Lagos State from the perspective of innovation management, operational performance, and effective service delivery, A cross-sectional survey was employed, and the primary data were purposively collected through the distribution of copies of the questionnaire to 150 staff of fintech companies in Lagos State out of which 126 copies were validly filled and returned representing 84% response rate. To test the three hypotheses of this study, simple regression was applied and the result showed that they were all statistically significant at 5% level, though, team-bonding contributed more to operational performance than the other two variables (innovation management, and effective service delivery). Based on the statistical findings, the study concludes that team bonding can significantly influence organizational development in the areas of innovation management, operational performance, and effective service delivery in the Nigerian fintech sector. The study, therefore, recommends that fintech firms in Nigeria should consider the outcomes of the teams they form in their respective company rather than just forming teams to fulfill all righteousness as this will go a long way to avoiding strategic pitfalls.