E-Business
6 Disruptive Influences of Artificial Intelligence

The world has gone digital. In fact, we are approaching the Fourth Industrial Revolution, also described as Industry 4.0: an age in which a range of new technologies is expectedly fusing the physical, digital and biological worlds in addition to impacting all disciplines, economies and industries.
This is an age marked by emerging technology breakthroughs in a number of fields, including artificial intelligence, robotics, augmented reality, nanotechnology, quantum computing, biotechnology, The Internet of Things, 3D printing and driver-less vehicles, among others.
One of these emerging technologies, Artificial intelligence or AI, as it is commonly referred to, has the potential to cause significant disruptions to many established industries, presenting amazing new ways for business leaders and individuals to simplify complex tasks.
According to the Research and Development Unit of Yudala, Nigeria’s fastest growing e-commerce outfit, here are six ways Artificial Intelligence will shake up things in the corporate world.
Double-edged impact on jobs and employment opportunities
Artificial intelligence promotes the growing reliance on machines which possess the ability to perform a wide range of physical and cognitive tasks, admittedly with more efficiency and accuracy.
This poses a great deal of concern for the future as these machines may put many jobs at risk and ultimately reduce human employment.
While these concerns are legitimate, research posits that the rise of artificial intelligence and automation may, nevertheless, have a double-edged impact on employment: negative and positive.
In the negative sense, AI may displace humans by directly replacing them in tasks previously performed by these workers.
On the positive side, the deployment of machine learning and artificial intelligence may end up increasing the demand for labour in other industries or create new jobs or openings as a result of automation.
Data analysis and presentation
With the emergence of machine learning which is a direct off-shoot of artificial intelligence, the task of crunching numbers, analyzing data and presenting this as useable information just got easier.
A single supercomputer using artificial intelligence running on continuous machine learning will definitely out-perform the work of ten or more humans working with spreadsheets to analyze and interpret the same amount of data.
Most machine learning apps have the capability of, not only analyzing huge amounts of data in record times, but also reducing errors to the barest minimum – a factor that makes them logically preferable to high-cost and error-prone human accounting or consultancy teams.
Budgeting
Closely related to the foregoing is the refinements and research-backed approach to the process of budgeting which AI lends.
For most businesses, budgeting is often carried out haphazardly on a yearly basis, with funds allocated in similar patterns to various activities and business units.
This inadvertently results in a situation where certain business units get more working capital while other units which yield more returns struggle with the meagre figures allocated to them.
By deploying artificial intelligence, business leaders can generate valid information on the performances of various business units and gauge more accurately the returns on the investments made on specific activities.
This will potentially cause a major overhaul of existing budgeting systems used by corporate organizations and bring more value and objectivity to the entire process.
More personalized marketing
The exciting benefits of artificial intelligence will also be keenly felt in the field of marketing, as advances in the field will usher in landmark advances in the marketing value chain, leading to more personalized experiences for consumers.
Through AI tools, marketing will assume an automated dimension, enabling companies to deliver a richer, more personalized experience for all classes of consumers and resulting in stronger connections between brands and consumers.
Ultimately, these new approaches will build brand affinity/loyalty and positively impact bottom lines. Presently, a number of organizations are deploying artificial intelligence principles to simplify the processes involved in various branches of marketing including email marketing, SEO, mobile, social media, among others.
Global e-commerce giant, Amazon, is playing a leading role in this aspect – a step that is on the verge of being replicated by Yudala – by relying on a series of algorithms to determine what customers are likely to buy or require next, with these suggestions and creatives sent to the target customers via customized emails in a process that is entirely automated.
Recruitment/Human Resources
AI will radically transform the recruitment and human capital management function by infusing more objectivity and transparency into the entire process.
This will equip business leaders or owners with the requisite insight to take more informed decision on hiring, compensation, promotion and gender pay disparity/biases in the work-place.
By leveraging the benefits of advanced statistical tools and machine learning, AI can help organizations recognize and reward performance more objectively among the entire work-force through the detection and elimination of partiality, imbalances and subjective appraisals.
Banking and finance
The entire financial services sector will also be disrupted by the emergence of artificial intelligence solutions and applications.
A recent research survey carried out by The Economist revealed that 49% of banking executives believe the traditional transactional banking model will be dead by 2020.
Through AI, banks, insurance companies, asset/wealth management firms and capital markets will have a plethora of cutting-edge tools that will streamline and bring unimaginable simplicity and ease to their core financial processes and customer service offerings.
The potential is limitless. Robo-advisors are being mooted in the sphere of asset management; banks will expectedly rely on chatbots to boost customer experience while other AI tools will simply thorny reconciliations, reporting of earnings, financial analysis and asset allocation, among others.
AI will also help insurance firms process claims, streamline their processes and uncover fraud. Understandably, a number of financial institutions are awake to this reality, head-hunting and mopping up fintech talents, in a sort of arms race to ensure they are not left behind in the sweeping wave of tech-mediated changes that is afoot in the sector.
What is Artificial intelligence
Artificial intelligence (AI), also known as machine intelligence, MI) is intelligence exhibited by machines, rather than humans or other animals (natural intelligence, NI).
In computer science, the field of AI research defines itself as the study of “intelligent agents”: any device that perceives its environment and takes actions that maximize its chance of success at some goal.
Colloquially, the term “artificial intelligence” is applied when a machine mimics “cognitive” functions that humans associate with other human minds, such as “learning” and “problem solving”. AI research is divided into subfields that focus on specific problems, approaches, the use of a particular tool, or towards satisfying particular applications.
Artificial intelligence is not one technology but rather a group of related technologies – including natural language processing (improving interactions between computers and human or “natural” languages); machine learning (computer programs that can “learn” when exposed to new data) and expert systems (software programmed to provide advice) – that help machines sense, comprehend and act in ways similar to the human brain.
These technologies are behind innovations such as virtual agents (computer-generated, animated characters serving as online customer service representatives); identity analytics (solutions combining big data and advanced analytics to help manage user access and certification) and recommendation systems (algorithms helping match users and providers of goods and services) which have already transformed the ways in which companies look at the overall customer experience.
E-Business
NITDA Introduces Cloud Certification Boost Data Localisation Compliance

National Information Technology Development Agency (NITDA) has introduced so-called Nigeria’s Certified Cloud Register, regulatory framework developed under the agency’s National Sovereign Cloud Initiative to determine which cloud providers are authorized to handle sensitive data, such as banking records.

In effect, from October, NITDA requires banks, fintech companies and other regulated organisations to source cloud infrastructure providers from a national register of certified firms approved to host sensitive financial and government data.
The Certified Cloud Register, is expected to strengthen data sovereignty, improve regulatory oversight and support the implementation of the Central Bank of Nigeria’s (CBN) data localisation policy, which takes effect on January 1, 2027.
Under the framework, banks, fintechs, government institutions and other regulated entities will be able to verify whether cloud service providers, data centre operators, managed service providers and Artificial Intelligence (AI) infrastructure companies have met NITDA’s certification requirements before entrusting them with critical digital workloads.
The initiative is expected to provide regulated institutions with a standardised process for selecting cloud infrastructure providers that satisfy Nigeria’s technical, security and regulatory requirements.
According to NITDA, the framework establishes “a common national standard, an independent assessment process and a public register of approved providers that banks, fintechs and government institutions can rely on when selecting cloud infrastructure partners.”
The register is expected to become a key compliance tool ahead of the CBN’s directive, which requires all payment transaction data generated within Nigeria to be stored and processed locally, effective from January 1, 2027.
The policy applies to deposit money banks, microfinance banks, mobile money operators, payment service providers, switching companies and other financial institutions.
The certification regime is also expected to reshape Nigeria’s cloud computing ecosystem, making regulatory approval a major requirement for cloud providers seeking to handle sensitive data for regulated industries.
Figures cited by NITDA showed that Nigeria’s 10 largest banks spent about N177.91 billion on information technology in the first quarter of 2026, representing a 31 per cent increase over the corresponding period last year.
A sizeable portion of the investment currently supports cloud infrastructure hosted outside Nigeria, a trend the new certification framework is expected to address by encouraging greater utilisation of compliant local infrastructure.
NITDA said the certification programme will apply the same technical and regulatory standards to indigenous cloud providers and international hyperscale operators, creating a level playing field for all companies seeking to provide cloud services to regulated sectors.
The agency also disclosed that more than 85 per cent of Nigerian businesses currently rely on cloud services, with the majority using infrastructure hosted outside the country.
It said the new framework is aimed at improving confidence in Nigeria’s digital infrastructure while promoting local capacity and enhancing oversight of critical national data.
Speaking on the objective of the initiative, Kashifu Inuwa Abdullahi, director-general of NITDA, said the programme is designed to strengthen Nigeria’s position in the global digital economy rather than exclude foreign technology companies.
According to him, the initiative is intended “to redefine the terms under which Nigeria participates in the global digital economy rather than isolate the country from international technology providers.”
The Certified Cloud Register forms part of broader efforts by the Federal Government to deepen digital trust, strengthen cybersecurity and ensure that critical financial and public sector data are managed in line with Nigeria’s evolving data governance and sovereignty objectives.
E-Business
Firm Advocates Healthy IT Habits to Strengthen Cyber Resilience

At the recent Cyber Security Weekend 2026 conference, Kaspersky shared the findings from its survey titled “Cybersecurity in the workplace: Employee knowledge and behaviour” which was conducted among employees from the Middle East, Turkiye and Africa (META) region.

The study highlights that everyday IT habits, including decluttering computers and reducing digital fatigue, can have a direct and often underestimated impact on an organisation’s cyber resilience.
The Kaspersky survey points to a growing challenge of digital fatigue in the workplace. 13.5% of employees surveyed in the META region confirmed that they made IT-related mistakes due to a lack of cybersecurity knowledge – a figure that shows the critical importance of continuous cybersecurity training and awareness programmes.
Among other reasons behind IT mistakes, respondents cited being in a hurry (30%), oversight (14%), being tired or stressed (12.9%) and having too many notifications (10%). The constant barrage of alerts, messages, and on-screen clutter is becoming an acute problem that can lead to costly IT errors, overlooked social engineering attacks, and even to cyber breaches.
The survey also examined employees’ digital workspace habits. An overwhelming 44.5% of respondents in the META region reported having between 10 and 20 icons on their desktop, while 30% admitted to having even more – with half to a full screen covered in them.
Meanwhile, 33% of respondents also keep more than 10 tabs open in their browser at any given time. Excessive icons and open tabs do more than distract attention and fuel procrastination – they can slow device performance and, in the case of unused applications, quietly collect data.
Interestingly, most employees regularly disinfect their keyboards and phone surfaces (21.5% have adopted this habit since the COVID pandemic). However, digital cleanliness has not kept pace: 55% of respondents remove needless files once a month or more often; the rest perform digital clean-ups far less frequently – once a quarter, or even once a year.
Managing digital noise is key to staying alert: only essential notifications should remain active, especially during periods of deep focus on critical project deliverables. Regular breaks are just as vital for maintaining both well-being and cyber vigilance.
According to the survey, 78% of respondents spend their work breaks eating or drinking, while 58% chat with friends and colleagues. However, stretching and physical exercise is a more effective way to relieve stress and recharge focus – a habit adopted by only 14% of employees.
“It is important to recognise that digital fatigue is a real and growing stress factor: the constant stream of notifications, cluttered screens, and information overload gradually erode focus and make employees far more susceptible to mistakes and social engineering attacks. Simplifying your digital environment is not just a productivity tip, it is a cybersecurity measure”, says Brandon Muller, senior security consultant for the META region at Kaspersky.
E-Business
Extremist Groups Are Using Social Media to Recruit African Youth, New Report Warns

Pan-African digital rights organisation Paradigm Initiative (PIN) has warned that violent extremist groups are increasingly exploiting digital platforms to recruit, radicalise and manipulate young people across the Sahel region.

The organisation raised the concern in a new policy brief titled “Digital Frontlines: Countering Online Radicalisation and Violent Extremist Narratives in the Sahel.”
According to the publication, extremist groups are shifting from traditional recruitment methods to digital platforms, including social media, encrypted messaging applications, short-form video platforms and online financial incentives, to target vulnerable populations.
PIN noted that unemployed youths and people facing insecurity and limited economic opportunities are particularly susceptible to online recruitment campaigns.
The organisation said that although governments have intensified efforts to combat violent extremism, responses to the digital dimension of the threat have failed to keep pace with rapidly evolving online tactics.
It argued that addressing online radicalisation requires more than surveillance and restrictive measures, recommending investments in digital literacy, stronger community resilience, improved early-warning systems and credible counter-narratives.
PIN also urged governments to work closely with technology companies and civil society organisations to disrupt extremist recruitment while protecting citizens’ digital rights.
The report further highlighted the growing convergence between organised crime and violent extremist groups, noting that online propaganda increasingly promises financial rewards, belonging and purpose to vulnerable young people.
According to the organisation, this trend underscores the need for policymakers to prioritise prevention alongside conventional security responses.
Speaking on the findings, Moussa Waly SENE, Programmes Officer for Francophone Africa at Paradigm Initiative, described the digital space as a new frontline in the fight against violent extremism.
“As more young Africans come online, stakeholders must ensure that digital platforms remain spaces for opportunity, innovation and civic participation, not recruitment grounds for violent extremist groups. Protecting digital rights and protecting vulnerable communities should be mutually reinforcing objectives,” he said.
Among its recommendations, the policy brief called for stronger regional cooperation to tackle cross-border online extremist networks, rights-respecting content moderation and greater accountability by digital platforms.
It also advocated expanded digital literacy programmes to strengthen resilience against online manipulation and community-led initiatives that empower young people to identify and reject extremist narratives.
The organisation further urged policymakers to develop security measures that balance national security objectives with the protection of privacy, freedom of expression and access to information.
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