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Nigeria, Egypt Others Drive Africa’s Mobile Commerce Boom

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Mobile is driving Africa’s digital economy, with Nigeria, Egypt, Kenya and South Africa leading the continent’s mobile commerce boom.

This is one of the findings highlighted in the white paper titled: “Towards a flourishing digital economy for all – a spotlight on Africa”, produced by the UK’s Department for International Trade (DIT), in partnership with the GSM Association’s Mobile World Live team.

Launched on the sidelines of Mobile World Congress 2022, the research explores the progress made in building Africa’s mobile-driven digital economy.

It also considers specific obstacles in the African mobile commerce market, including unbanked customers, the lack of reliable identity credentials and last mile delivery issues.

Speaking during the launch of the research paper, Dr Mike Short, chief scientific adviser to the UK’s DIT, stated Africa is a mobile-first continent in every aspect of digital.

For the DIT, the definition of e-commerce stretches into mobile commerce, and most of the emphasis of the report is on mobile commerce, explained Short.

“Our report triggers a much-needed discussion on how to advance the mobile commerce revolution in Africa, which will in the long-term lead to mutually beneficial digital trade between the continent and its trading partners, including the UK.”

On a global scale, the world of e-commerce is forecast to reach $7.4 trillion in revenue by 2025, Short told the audience at the UK DIT-hosted mobile commerce thought-leadership breakfast.

“These are huge growth rates by anybody’s estimation, but the share that’s attributed to Africa is $180 billion, and there is a lot of room to grow given it’s such a burgeoning continent.”

UK minister for exports Mike Freer, who also attended the event, concurred that the digital economy across Africa is fundamentally mobile.

He noted that users are mobile first, adding that mobile commerce has already created successful domestic-owned businesses across the continent.

“The continent will seize the opportunities that lie ahead and strive for economic empowerment. Digital trade, particularly mobile commerce, will be at the heart of this growth. By 2050, half of the global trade is expected to be digital.

“In the UK, we are champions of digital trade. Our government supports the opportunities to trade online; we’re helping global investors to supercharge the digital economy.

“Across economies and societies, the UK is committed to standing side-by-side with Africa to support growth in the years ahead,” Freer stated.

According to the white paper, e-commerce is booming across Africa, with Nigeria, Egypt, Kenya and South Africa making notable progress.

“For example, Nigeria is home to a thriving content production sector (Nollywood, etc), which is driving a strong market for digital products.

“Kenya’s market has been shaped by the success of its mobile money platforms. Kenyans now use M-Pesa and others to make cashless payments at retail, pay utility bills, and buy insurance and savings products.

“South Africa is different again. It has a much higher percentage of banked consumers, which has reduced the need for mobile money platforms. Its MNOs [mobile network operators] are also playing a key role in the evolution of its digital economy.”

On the issue of challenges in advancing mobile commerce on the continent, the report notes digital infrastructure and the issue of identity among the most notable obstacles.

It states that a thriving digital economy requires a strong base of connectivity, customer identity and last mile delivery.

Short explained that 58% of Africa’s population is covered by 4G – it’s not yet a 5G world. In some rural areas, internet usage is as low as 26%. Furthermore, those with feature phones won’t get a suitable mobile commerce experience.

The report highlights that for most Africans, the mobile internet is the internet. “E-commerce marketplace Jumia, which has 7.3 million active customers across Africa, says 75% of its customers use smartphones to shop on its platform.

“On a positive note, Africa’s mobile-centric infrastructure means it is also unencumbered by many of the legacy technologies that slow progress in the rest of the world. It doesn’t have the ageing infrastructure of Europe or the US.

“Because it is mobile-first, it can build infrastructure from scratch to facilitate wireless smartphone-oriented service.”

According to the report, in the world of physical commerce, especially in a cash economy, identity is not really a barrier to making a purchase. When commerce goes digital, things change.

“In developed countries, digital ID generally centres on a combination of bank card, phone, address, e-mail and so on,” it states. “But in Africa, many of these elements are unavailable.

“It is estimated that 29% of adults in Sub-Saharan Africa have no way of identifying themselves. The percentage is much higher among women, youth and the very poor.”

However, there are efforts to address this challenge, with many African countries trialling digital ID programmes that are robust and workable despite the absence of bank accounts and even postal addresses.

For example, Egypt was the first nation to launch a national ID programme using vein biometrics. Kenya’s answer is to give every person in the country a unique “Huduma Namba” – Swahili for ‘service number’ – which will allow them access to all government services.

The Nigerian government launched a national identity card in 2015. It contains a chip that securely holds the national identification number, address, name and other details. It also supports fingerprint recognition. Most important for digital commerce, the card gives previously unbanked Nigerians a tool for payments.

Many African companies and state bodies have adopted online addressing system and mobile app, what3words.

In 2020, Vodacom South Africa zero-rated what3words for its 43 million subscribers. Meanwhile, Zulzi, the on-demand grocery delivery company in South Africa, has integrated what3words into its delivery process.

Short stated: “We recognise that things like addresses are not as uniformly used in some parts of Africa as in other parts of the world.

“The whole area of identity management is a key enabler for Africa’s mobile commerce. It’s not just about networks, it’s not just about smartphones; the identity and the addresses are needed to participate in a thriving digital economy.”


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Minister Claims Bandits Exploit Poor Network, Bounce Calls Off Multiple Towers

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Bosun Tijani, minister of Communications, Innovation and Digital Economy, yesterday claimed that bandits and terrorists are able to communicate and coordinate their activities with ease because they exploit gaps in the country’s telecommunications network.

Minister Claims Bandits Exploit Poor Network, Bounce Calls Off Multiple Towers

Bosun Tijani, minister of Communications, Innovation and Digital Economy,

Tijani, who spoke  Politics Today, a Channels Television’s programme, on Friday, Tijani said the criminals exploit gaps in the country’s telecommunications network.

He also claimed the bandits use advanced technology to bounce calls across multiple towers in areas with poor connectivity.

“They weren’t using the normal towers; they bounced calls off multiple towers, which is why they favor areas that are largely unconnected,” he said.

When asked about reports that unregistered or fraudulently registered SIM cards are still in use despite the Bank Verification Number (BVN) and the National Identification Number (NIN)–Subscriber Identity Module linkage policies, Tijani said the issue is technically complex and the reports are not fully verified.

“Whether it’s fact or not, I do not know where you’re getting that from, and I do not know who has evidence that there are people with unregistered SIMs,” he added.

The minister stated that the federal government is investing in telecom towers in underserved regions, upgrading the country’s communication satellites to improve coverage, and expanding fiber-optic networks to strengthen the country’s digital infrastructure.

“If our towers are not working, our satellites will work. Nigeria is the only country in West Africa with communication satellites, and we are bringing new satellites to upgrade their capabilities,” Tijani said.

He added that these initiatives aim to ensure better connectivity for Nigerians while closing loopholes that criminals exploit, thereby enhancing national security.

The minister’s comments come amid rising concerns over insecurity in several parts of the North, where banditry, kidnapping, and terrorism have escalated in recent years.

There are also reports of bandits flaunting ransom payments on social media platforms such as TikTok, raising alarm among authorities and the public


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Sophos XDR Achieves its Best-Ever Results in the MITRE ATT&CK Enterprise 2025 Evaluation

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Sophos, a global leader of innovative security solutions for defeating cyberattacks, has announced its best-ever results in the MITRE ATT&CK Enterprise 2025 Evaluation.

Sophos XDR Achieves its Best-Ever Results in the MITRE ATT&CK Enterprise 2025 Evaluation

MITRE ATT&CK Enterprise 2025 Evaluation

Sophos XDR detected 100% of adversary behaviors (sub-steps)1 across two complex attack scenarios: Scattered Spider, which Sophos X-Ops tracks as GOLD HARVEST, a financially motivated cybercriminal collective, and Mustang Panda, which Sophos X-Ops tracks as BRONZE PRESIDENT, a People’s Republic of China (PRC) espionage group.

The Scattered Spider scenario included activity across Windows, Linux, and AWS cloud environments, and the Mustang Panda scenario focused on Windows only.

Further, Sophos achieved the highest-possible “Technique”-level rating for 86 out of 90 total sub-steps in the evaluation, by generating high-fidelity detections with details on execution, impact, and adversary behavior, providing clear who, what, when, where, how, and why insights.

Sophos XDR achieved:

  • 100% detection coverage1 for all 90 adversary sub-steps across two complex attack scenarios across Windows, Linux, and AWS cloud environments
  • Highest possible (“Technique”) ratings for 86 of 90 sub-steps, demonstrating deep visibility and actionable detections
  • Highest possible (“Technique”) ratings for 61 out of 62 of sub-steps in the Scattered Spider scenario involving identity abuse, cloud exploitation, and data exfiltration

“Scattered Spider and Mustang Panda represent distinct threat profiles that challenge defenders in very different ways,” said Simon Reed, chief research and scientific officer, Sophos. “Achieving full detection coverage against both validates the accuracy and depth of Sophos’ analytics and demonstrates how the company’s AI-native XDR platform converts complex telemetry into clear, actionable intelligence, helping security teams detect, understand, and stop advanced attacks with confidence.

“Sophos’ consistently strong performance in these rigorous evaluations underscores the power and precision of our threat detection and response capabilities, and our commitment to stopping the world’s most sophisticated cyberthreats.

“Over the five years that Sophos has participated in ATT&CK Evaluations, we have continually invested in strengthening our platform, and that investment has translated into stronger results year after year – both in the evaluations, and in the security outcomes we deliver for our customers.”

These results demonstrate the power of the Sophos XDR platform to defend against sophisticated cyber threats. Every day, Sophos processes 223+ terabytes of telemetry in Sophos Central, generating 34+ million detections and automatically blocking 11+ million threats.

This scale of customer insights ensures that Sophos’ detections are being tested and improved to provide continuous protection while delivering stronger outcomes for organizations worldwide.

Understanding The Threat Actors

Sophos X-Ops has tracked GOLD HARVEST (Scattered Spider) since 2022, observing a loosely affiliated cybercriminal collective driven by both financial motives and a desire to elevate their reputations on underground forums.

Despite several arrests, operators and associates continue to launch high-profile attacks across the U.K. and U.S., at times partnering with major Russian-speaking ransomware groups.

Their sophisticated social engineering capabilities enable them to compromise even well-defended organizations, underscoring the importance of strong behavioral detections within modern security operations.

In parallel, Sophos X-Ops has monitored BRONZE PRESIDENT (Mustang Panda) for many years.

This long-running PRC espionage group conducts intelligence-led operations that align closely with priorities of China’s Ministry of State Security. Recent targeting includes activity against Tibetan communities surrounding the Dalai Lama’s 90th birthday, as well as intrusions on Thai government and military offices during periods of heightened regional tension.

BRONZE PRESIDENT remains one of the most active and persistent state-aligned threat actors operating today.

MITRE ATT&CK Evaluations are among the world’s most rigorous independent security tests.

They emulate the tactics, techniques, and procedures (TTPs) used by real-world adversaries to assess each participating vendor’s ability to detect, analyze, and articulate threats in alignment with the MITRE ATT&CK Framework.

These evaluations continually strengthen Sophos’ capabilities for the benefit of the organizations it protects. This was the seventh round of MITRE’s “Enterprise” ATT&CK Evaluation, a product-focused assessment designed to help organizations better understand how security operations solutions like Sophos EDR and Sophos XDR can help them defend against sophisticated, multi-stage attacks.

When evaluating EDR or XDR solutions, Sophos recommends reviewing MITRE ATT&CK Evaluations alongside other independent proof points.


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CBN, NCC to Launch Short Code for Swift Consumer Complaint Resolution

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Central Bank of Nigeria (CBN) on Thursday announced plans to partner with the Nigerian Communications Commission (NCC) to develop an industry-wide short code for consumers to lodge complaints with financial institutions anytime, anywhere, even without internet access.

CBN, NCC to Launch Short Code for Swift Consumer Complaint Resolution

CBN

Dr Aisha Isa-Olatinwo, CBN Director, Consumer Protection and Financial Inclusion Department, disclosed this at a virtual Consumer Protection Town Hall meeting titled “Ask the Regulator”, organised by Enhancing Financial Inclusion and Advancement (EFInA).

She said the initiative addresses challenges faced by vulnerable consumers using feature phones who often have to visit bank branches physically to report issues amid the convergence of telecom and banking services.

Isa-Olatinwo said the CBN had achieved 94 per cent month-on-month timely resolution of consumer complaints, adding that the apex bank had streamlined processes and partnered with banks to balance consumer protection with financial system stability.

An EFInA poll presented at the event revealed that 61 per cent of respondents experienced failed transactions in the past 12 months, while 26 per cent had reversals within 24 hours and 54 per cent between 24 and 48 hours.

Other complaints included six per cent for fraud, 14 per cent for hidden charges and 15 per cent for poor customer service, with 66 per cent of respondents aware of complaint escalation steps.

President of Consumer Advocacy Foundation of Nigeria (CAFON), Mrs Sola Salako-Ajulo, lamented that consumers often feel unprotected and urged introduction of fraud insurance for instant reversals, shifting the burden of proof from customers.

She said: “What is missing in our system—unlike more developed economies—is fraud insurance, where banks reverse reported fraud immediately, refund consumers, and investigate later.”

Mr Ajibade Laolu-Adewale, Chairman of Committee of e-Business Industry Heads (CeBIH), represented by Mr Adeyemi Salisu, stressed that banks must resolve disputes between acquiring and issuing banks without redirecting customers to merchants.

The short code initiative is expected to enhance financial inclusion by providing accessible redress mechanisms in Nigeria’s evolving digital payment ecosystem.


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