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Key Reasons Africa Must Enforce SIM Cards Registration- Nadeem Juma

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The increasing level of fraud, terrorism and other illicit uses, are part of major reasons regulators across Africa must not soft-pedal on the clampdown on unregistered SIM cards, in addition to the massive benefit to MNO’s for additional services to be provided, said Nadeem Juma, the chairman and co-founder of AIM Group.

AIM Group is an innovation and digital agency founded in Tanzania focused on R&D, digital communications and creating enterprise and business solutions that have been shaping consumer experiences since 2009.

Speaking to Nigeria CommunicationsWeek over the weekend, Juma said, we have seen an increase in deadlines from regulators in many African countries on SIM cards registration, MNOs have a great opportunity here to lead the unique identity space and the potential to up their games to meet the demands.

AIM Groups EKYC solution is credited for its data visualization this invaluable data which can be used to build and market other products and services that will add value.

Here is the brief interview with Juma,

How EKYC Emerged
“EKYC emerged just under three years ago as a result of the need to maintain an accurate customer/client database, especially by the telecoms operators. We recall what happened in Kenya when the telecoms regulator wanted to have the numbers of registered users, but the operators lacked such data base. Such irregularity sparked a ripple effect across the Continent.
So, what we saw in Tanzania was our regulator also going after the operators, requesting for quality KYC of SIM card users. The manual registration is usually filled with irregularities.
So, we approached the operator and sought for us to develop an app; piece of technology to enable them to carry out a seamless KYC (Know Your Customer) registrations. So, they asked to make a presentation to the regulator first.
So in October 2013, the Tanzanian Communication Regulatory Authority (TCRA) the telecom regulator issued us a letter of no objection to that effect. Since then, we have been providing technology to Tigo, Airtel and Vodacom in Tanzania.

The Peculiarities of EKYC
“Therefore, with EKYC, the app allows you to register users seamlessly. We are on the ground and understand the issues concerning the consumers and the operators, and have been using this technology to tackle them head-on; such as agent behavior, rural connectivity, power issues, facial and ID recognition and now biometrics.
“Our technology is deployed at over 20,000 agents, making sure they capture the users in accurate and specified manner. It is a powerful tool that the mobile operators now rely on to carry out that function, effectively; and in real time, we can determine the demographic, geographic and other information about the SIM card user. We have over a million registrations on the platform each month at the moment
As we have established the feat with the telcos, we are now moving to the banking sector. The pilot scheme involves three banks. We are providing these services with the banks to drive financial inclusion, either in Agent Banking or in the real branch locations.

Key Reasons to Enforce SIM Card Registration
“What happened with MTN Nigeria is a reflection of what happens, almost all over the Continent, particularly during the SIM cards registration where it was discovered that the pictorial representations of the users were done with faces of goats, cats, dogs, or other animals. We must admit that not all the countries have the data, but when you want to capture these data, there are guidelines that must be in place.

“We cannot run away from the issue of having adequate infrastructure. What we do is: where there is no existing data, we send text based information to temporarily activate the customer, there after when the agent is in a place with connectivity the images are sent to do full registration Essentially, we do not encourage disconnecting the people.
Secondly, we engage on cross-checking the captured data. That is when the user will be encouraged to provide additional information if anything is missing or the risk level seems to be high for that particular individual.

Tackling Defective SIM Card Registration
There are occasion we recommend the customer to be sampled. We have the capacity to integrate the data we captured to the national ID scheme. It makes a lot of sense and for easy identification of the citizens.
So, we validate the national ID against the database, which makes biometric registration a possibility.
Thus, the process helps the customer create a digital ID. Assuming we have the opportunity to execute the program with the telcos and the Nigerian government, the digital ID is enough to help deliver services to targeted citizens, be it insurance, vehicle license, financial services etc., provided the customer is on mobile. So, this is a powerful tool for the operators.
In terms of volume, we have over 20,000 agents on ground, delivering over a million transactions monthly. The technology can be customeized to fit into whatever goal a telco or banks wants to achieve, at a very affordable rate. It has the capacity to move from one million registrations to over twenty million without a huge CAPEX.

Unsolicited SMS & Targeted Marketing
“The issue of unsolicited SMS should not be dumped on the door-steps of the telcos alone, because a lot of companies are leveraging the services to market their services to targeted customers. And telcos are in business; they wouldn’t say no to a business that needs their services. We should not forget the activities of fraudsters or unethical hackers who ride on the network to perpetuate some cybercrimes.
“However, the telcos have a duty to prevent frivolous SMS. How can they achieve that? At the point of registering a customer, you can make provision for them to opt in for mobile marketing, alluding to receiving messages about your products/services, be it beer, food items, vehicles, hotels etc this communication can be sent by SMS, MMS, IVR, ring-back tunes, etc For instance, a certain message that appeals to a 60-year old, might be annoying to a 25-year old. That is why, through proper opt in, segmentation and our data analysis, you can make predictions about your customers.

“Proper SIM card registration provides you with such opportunity to know your customers well; that is why the regulator would always insist on getting it right. Some customer might prefer calling them to SMS. So engage with them in the manner they choose and not pushing communication or marketing messages blindly.

“A well filtered bulk SMS will also help you dispatch messages at the right time. Some people would prefer late night SMS, others early in the morning, while others would say, send it during lunch time. Our technology will help you get it right. You can tie some benefits to your message: if you accept my SMS, I will give you one minute free airtime. So, you can monetize what you are doing with mobile customers. The packages have to be compliant and communicated directly to the consumers. If given opportunity in the Nigerian market for instance, we can help the telcos address come of these problems.

Financial Inclusion
“I will address that in multiple parts. There is need to understand the critical role mobile money plays in financial inclusion. We are the first company to develop mobile money application in Tanzania in conjunction with the Central Bank, here in Tanzania. We understand the ecosystem very well. It is also fundamental to conduct research on how deepen financial inclusion. Tanzania and Nigeria have different templates in terms of the regulators’ approach to mobile money and financial services. First, the mobile operators are channels. They are the pipes to deliver the services.
Secondly, the mobile operators through the SIM card registrations know or should know the customer. They can offer the opportunities for the financial institutions to offer services to these customers.
“Thirdly, the mobile operators know about the consumer’s financial spending to an extent. They can tell how much the consumer uses in data, voice, SMS and/or receive including other telecoms related transactions. They have these fact sheets about the customers spending.
“Fourthly, they are in charge of the networks and thus have the last mile connections with the customers. Now, it behoves on the regulator to allow the telcos have closer ties with the financial institutions. Through the corporation, the financial institutions will tap into the resources of the telcos, and pay them for the services they will render on their behalves.
“At that point, the customer will have options to either walk up to the financial institution or leverage the mobile platform. I think that could be massive opportunity in Nigeria. In other words, the telcos are the enablers of financial inclusion, because they have a robust channel.

 


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UK Pledges €1Bn to Fight against Malaria in Nigeria

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The UK has pledged £1 billion to Nigeria’s fight against malaria and other diseases from 2024 to 2026.

UK Pledges €1Bn to Fight against Malaria in Nigeria

Ebere Anyachukwu, health adviser at the British High Commission, announced this on World Malaria Day in an interview with NAN.

This contribution supplements existing funds from other donors and will primarily support the procurement of insecticides, treated bed nets, malaria diagnostics, and chemoprevention efforts.

“There are some states in Nigeria where malaria is seasonal. Those are states where chemoprevention is used to prevent children from coming down with malaria,“ he said.

“In those states, malaria spreads in a few months within a year, and during that period, there is a high level of malaria transmission in children, resulting in lots of deaths.”

The health adviser said children in such states are usually given malaria drugs, whether or not they have the infection.

He said the UK is a big contributor to the global fund, currently supporting about 13 states in Nigeria.

He listed the states to include Adamawa, Delta, Gombe, Jigawa, Kaduna, Kano, Katsina, Kwara, Niger, Ogun, Osun, Yobe and Taraba.

“With the global funding support, there has been a significant reduction of malaria-related deaths in children in Nigeria,“ Anyachukwu said.


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60 Hearty Cheers to Chioma Ekeh, Africa’s Leading Unusual Female Tech

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The story has often been told in tech circles of how a relatively unknown Nigerian female student became a sensation of sorts among the international student population back in the early 80s in India owing to the unusual course of study she was undertaking.

60 Hearty Cheers to Chioma Ekeh, Africa’s Leading Unusual Female Tech

Chioma Ekeh

Electing to study Mathematics at Bachelor’s degree level – a course that required not only battling differential equations, calculus, advanced algebra, and so on, but also pitting one’s wits against that of wizened professors – is not a task for the faint-hearted. But that was the path that this unusual lady took at Punjab University, located in the culturally rich and aesthetically pleasing city of Chandigarh, India.

It was a decision that would lead Chioma Ekeh (nee Emelonye) along the path of meeting the love of her life, a certain Leo Stan Ekeh and returning to Nigeria with him to play a leading role in shaping the course of technology distribution in Africa.

Undoubtedly, unusual may also be a word that defines Chioma and Leo Stan Ekeh’s remarkable journey together. A power couple and exemplary partners who have worked together for over 30 years building a successful technology empire is a rarity, one that is not often seen.

That sojourn to India and her subsequent career trajectory laid the groundwork for the impressive reputation Chioma Ekeh has built in the highly competitive technology space. Business associates and representatives of global brands never fail to cite her intellect and brainpower.

Job seekers who cross her path during interviews often recall being asked to solve a simple arithmetic problem. For those who eventually become employees, there is never-ending adulation.

Her husband, Leo Stan Ekeh, describes her as the integral analytics, the backbone behind the brilliant success of the Zinox Group where she has continued to support all the businesses across the board.

Such is the cerebral aptitude of this unusual woman that she is reported to have taken the stage once at a company-wide business review to present a financial report punctuated by humongous accurate numbers, figures and percentages, all from memory and without recourse to any notes, a device or an actual presentation document.

Born on April 25, 1964, the story of the impressive diffusion, accessibility, useability and affordability of cutting-edge technology devices and solutions in Nigeria and indeed, sub-Saharan Africa will be grossly incomplete without a detailed citation on Chioma Ekeh and the leadership role she has played – one she has continued to play as a silent innovator and disruptor–alongside her legendary spouse.

A Fellow of the Chartered Institute of Certified Accountants (FCCA, UK), Mrs. Chioma Ekeh is the brains behind TD Africa, a regional technology distribution powerhouse headquartered in Nigeria and with branches across Africa and in four other continents.

A company she led from start-up stage, TD Africa with Chioma Ekeh as CEO, pioneered ICT distribution in Sub-Saharan Africa and has remained the industry leader by market share in the region and the biggest provider of credit to resellers.

Founded in 1999, TD Africa is Africa’s leading distributor of technology and lifestyle products, boasting an unmatched and growing network of partnership with global brands like HP, Microsoft, Apple, Starlink, IBM, Dell Technologies, Ring (by Amazon), Cisco, Lenovo, APC by Schneider Electric, Samsung, Bosch, Phillips, Logitech, Vivo, among several others. Under Chioma’s exemplary leadership, the company has achieved numerous milestones, earned a long list of local and international awards/accolades and ensured Nigeria and indeed Africa is reckoned with at the global table of technology conversations and discussion-making.

However, this remarkable story may have turned out differently, had Chioma not returned to Nigeria under the guidance of her husband.

Armed with a formidable Mathematics degree after completing her studies in India, Chioma had the world at her feet and was the toast of leading companies the world over.

Moving to the United Kingdom at the invitation of her husband, Chioma joined the exalted league of Chartered Accountants and thereafter, bagged an MBA at the reputable Heriot Watts University.In 1987, she joined Sterling Deveraux as an Investment Analyst, engaging in researchand analyzing assets, such as stocks, bonds, currenciesand commodities.

Her acumen and exceptional skills were growing in demand and before long, she left Sterling Deveraux, joining the London Borough of Lewisham as an accountant in 1988.

Between 1988 and 1991, Chioma’s sterling work saw her rise swiftly through the ranks at the London Borough of Lewisham, moving from Accountant to Senior Auditor and then to Financial Auditor.

Certainly, Chioma Ekeh had a clear path to becoming CFO and possibly CEO at the London Borough of Lewisham or even going on immediately to taking up other elevated roles at other organizations. But the love of motherland and the call of her husband – Leo Stan Ekeh – to return home to Nigeria with him and build a technology legacy for Nigeria and Africa proved too strong.

Back home, Chioma Ekeh’s initial area of responsibility was with Task Systems Ltd., the first of many companies in the Zinox Group set up by Leo Stan Ekeh.

She took up the position of Financial Controller and spent six achievement-filled years at Task before driving the vision of technology distribution birthed by her husband in launching TD Africa where she became the company’s pioneer CEO.

A quiet, unassuming tech icon, Chioma Ekeh has acquired a well-deserved status as unarguably one of Nigeria’s top three leading Women-in-Tech, a female technology business leader with extensive years of proven capacity in building high-performing teams and transforming businesses beyond stakeholders’ expectations.

In partnership with her husband, Chioma Ekeh has played immense roles in growing and nurturing partner businesses, launching several thriving new businesses and successfully closing some of the biggest acquisitions in the technology space in Nigeria.

The Tech Experience Centre – Africa’s first technology experience centre – located at Yudala Heights, a sprawling edifice in the heart of Victoria Island – is another project that has Chioma Ekeh’s indelible signature on it.

The launch of the Tech Experience Centre in October 2020 received high praise from the Nigerian government and representatives of global Original Equipment Manufacturers (OEMs).

Under her guidance, Celebrating You, an annual showpiece celebratory event hosted by TD Africa has become unarguably the biggest year-end event in the Nigerian technology industry for over a decade.

Also, she has spearheaded several CSR projects, including The Herwakening – an empowerment programme for female entrepreneurs– and Girls in ICT – a project targeted at encouraging young girls to take up STEM (Science, Technology, Engineering, Mathematics) disciplines and considering careers in technology.

As she turns 60, Chioma Ekeh deserves rarefied mention and unmitigated encomiums. An amazon, this unusual female tech icon who has shattered several glass ceilings, knows no fatigue and has continued to innovate, effortlessly leading from the front.

 

 


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Academic Technologists Propose N350,000 Minimum Wage

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National Association of Academic Technologists (NAAT), has proposed N350,000 as the new minimum wage for Technologists in the tertiary institutions.

Academic Technologists Propose N350,000 Minimum Wage

Comrade Ibeji Nwokoma, national pesident of NAAT, stated this at 5th National Delegate Conference in University of Abuja.

Nwokoma, said the proposal was based on the present economic situation in the country occasioned by the removal of fuel subsidy, high inflationary rate and the attendant hardship.

Nwokoma maintained that technology rule the world and advanced development and shaping the landscape of education in developed countries.

Prof. Tahir Mamman, minister of Education, said the federal government will soon introduce the policy that will make skill acquisition compulsory for primary and secondary schools.

The minister said global space is driven by technology which the advanced world is using to solve problems and gaining grounds.

The Union protect, defend, and promote the rights and well being and interests of all members and to advance the cause of members, employed in Nigerian Tertiary Institutions Universities, Polytechnics, and Colleges of Education.

The theme of the conference is, “Technology, a recipe for national development and socioeconomic growth in the 21st century: the Nigeria quest for a better tomorrow.”

 

 


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