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Future of African Super Apps Relies on Great User Experience and Strong Security

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Financial institutions are increasingly relying on apps and their turbo charged cousins, super apps, for much needed revenue growth. Organisations that can offer a secure, low-friction app experience are more likely to migrate existing customers to digital channels, attract new customers and lower operational costs, giving them a much needed competitive advantage in an increasingly competitive market.

Africa is one of the fastest growing app markets in the world, with Nigeria, Kenya and South Africa showing particularly high growth since the Covid pandemic.

With rapid urbanisation, a big improvement in connectivity as well as the fact that smartphone connections in Africa are expected to double by 2025, reaching 678 million, it is reasonable to expect that the app economy will see strong growth over the next few years.

Nigeria has shown itself to be a particularly high-growth region and while the volumes of transactions made over apps in Nigeria are still fairly low, the latest figures from the Nigerian government show that app transactions in the last quarter of 2020 account for 80 percent of the value of all mobile transactions in the country.

A good app strategy requires a hard look at security

“Given the growth of apps in Africa, and the growing competitiveness in the financial services industry, it would be detrimental for regional financial institutions to ignore a solid app strategy. We have seen a considerable increase in questions around how to boost security and user experience from many African CIOs over the last 18 months,” explains Tochukwu Iwuora, pre-sales solutions lead at Entersekt. “Poor user experience and concerns over security can result in customers abandoning apps for those of competitor financial institutions, especially amongst the younger generation.”

Iwuora says that while most banking apps currently offer basic functionality such as balance checks, intra and inter-bank transfers, the demand for more functionality such as mobile payments, service subscriptions, and in-app marketplaces, which require interfacing with third parties, are rapidly increasing – and so too, the need for better security.

“When you are making a mobile data subscription or paying a utility bill on an app, you won’t want to jump through hoops when it comes to authentication. Using strong multifactor authentication at the outset means customers are going to have a far better experience. And we are seeing a definite pushback on poor user experience especially from younger users who are used to a seamless experience on their social media platforms,” he says.

Iwuora points out that the friction caused by poor authentication can become even more pronounced when users have to navigate the more function-rich and complex super apps. And, given that these are increasingly where financial institutions and MNOs are focusing their growth efforts, ensuring a slick user experience from the outset becomes critical.

User experience influences super app growth trajectory 

Mobile money was born in Africa and continues to dominate the global uptake. Taking the next step in its evolution, apps like M-Pesa in Kenya, which serves more than 47 million users across its markets, are now leveraging their network dominance.

The updated app will now allow users to book bus and train tickets, buy insurance as well as buy tickets for local events, with more options expected in future iterations.

In South Africa, Nedbank Avo goes beyond banking functionality to provide a merchant platform for small traders and has already attracted over a million users and 20 000 merchants.

The VodaPay super app, meanwhile, has reportedly attracted 2.2 million downloads and 1.6 million registered users in just eight months since its launch. The app offers a range of financial services including loans and savings as well as person-to-person payments and a newly launched marketplace for unsecured personal loans.

“Super apps pose a real opportunity for financial institutions and MNOs to monetize their networks, boosting revenue and building sustainability into their business models.

This is especially true in an age where traditional businesses are facing growing competition from fintechs and neo financial institutions which have a reputation for providing a better mobile experience than their traditional counterparts.

However, super apps also face a greater security risk as mobile malware attacks continue to grow,” Iwuora explains.

More moving parts mean more points of weakness

The threat to any app grows as financial institutions add new features and integrate to more third parties, increasing the surface area that is at risk of attack. However, while financial institutions must ensure security across all systems, networks and interfaces, customer-facing security measures like authentication can have a significant impact on the overall user experience.

“The balancing act between keeping users secure and ensuring that they have a low-friction experience is key for attracting and retaining customers. Using an inherence factor such as facial recognition or fingerprint authentication at login is a must. Then, when users engage with third-party providers for sensitive transactional services, step-up authentication by means of another authentication factor, adds additional security,” he says.

Iwuora says that tech savvy financial institutions are already pioneering the use of behavioural analytics to  create a more frictionless experience for their customers by silently analysing their transactional and biometric behaviour in the background, and then using step-up authentication only when analytics show high risk of fraud.

“Africa has shown that it is ready to embrace all the convenience and opportunity of the app economy. Migrating consumers onto these digital channels create valuable new revenue streams and lower operating costs. But brands must be aware that poor user experiences created by intrusive authentication could make their app journey much more difficult,” Iwuora concludes.

 


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Nigeria Targeted with 4,622 Cyber-attacks Per Week in December 2025

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In December 2025, organisations globally faced sustained cyber pressure, as the average number of cyber-attacks per organisation per week reached 2 027, a 1% increase from the previous month and a 9% increase from December 2024.

This is according to December 2025 Global Cyber Attack Statistics by Check Point Research, the threat intelligence arm of Check Point Software Technologies.

According to the statistics, Latin America was the hardest hit, with companies experiencing an average of 3 065 cyber-attacks per week, a 26% year-over-year increase.

In contrast, Africa saw a decline in attacks, with Nigeria (4 622 attacks per week) and Angola (4 002 attacks per week) being the most targeted countries on the continent.

The report’s findings highlight the evolving cyber threat landscape, with ransomware and GenAI-driven data risks posing significant challenges to companies worldwide.

Ransomware attacks jumped 60% year over year, with 945 publicly reported incidents in December. Qilin was the most active ransomware operator, responsible for 18% of publicly disclosed attacks.

“Ransomware continues to scale through industrialised operations, while unmanaged GenAI usage is creating widespread data exposure at enterprise level,” said Omer Dembinsky, data research manager at Check Point Research.

The report noted the education sector was the most targeted industry globally, with 4 349 cyber attacks per week; followed by government (2 666 attacks per week); and associations and non-profits (2 509 attacks per week).

The widespread adoption of GenAI tools has introduced new cyber security risks, with one in 27 GenAI prompts posing a high risk of sensitive data leakage.

Experts warn that companies must prioritise prevention-first security, real-time AI threat intelligence and strong governance over AI tools to mitigate these risks.

Hendrik de Bruin, head of security consulting at Check Point Software, added: “Strengthening ransomware resilience, deploying AI-powered prevention and enforcing clear GenAI governance will be critical to reducing cyber risk in the year ahead.”


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Half of Global Companies Build SOCs to Enhance Cybersecurity, with a Focus on Human Expertise

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Among the primary reasons for establishing a Security Operations Center (SOC) are strengthening cybersecurity posture, enabling faster detection and response and gaining a competitive edge.

Interestingly, despite the increasing demand for automated cybersecurity solutions, businesses rely on skilled security professionals to make key decisions, as human expertise remains essential for effective security management.

A Security Operations Center (SOC) is a dedicated organisational unit responsible for continuous monitoring and safeguarding of a company’s IT infrastructure. Its core mission is to proactively detect, analyse and respond to cybersecurity threats.

To identify the main drivers, strategic priorities, and potential challenges in SOC planning and implementation, Kaspersky has conducted a comprehensive global study involving senior IT security specialists, managers and directors from companies with 500 or more employees.

All participants operate without a SOC but have plans to establish one in the near future. The study spans 16 countries across APAC, META, LATAM, Europe, and Russia, providing valuable insights into the emerging trends and best practices in SOC development worldwide.

The findings of the research reveal that 50% of companies intend to establish SOCs to strengthen their cybersecurity posture, and 45% are motivated by the need to address increasingly sophisticated and dangerous threats.

Other drivers include budget optimisation, the necessity for faster detection and response, and the expansion of software, endpoints and user devices – factors that demand more comprehensive and layered security measures.

These are cited by 41% of organisations. Additionally, 40% seek better protection of confidential information, 39% aim to meet regulatory requirements and one-third (33%) expect SOC capabilities to provide a competitive edge. Larger enterprises tend to cite each of these reasons more often, reflecting the broader operational and regulatory pressures they experience.

Continuous monitoring becomes the leading SOC requirement

Among the key functions organisations plan to delegate, 24/7 security monitoring leads at 54%. This around-the-clock vigilance enables early detection of anomalies, prevents escalation and sustains cyber resilience in real-time. This demand highlights a strategic requirement for proactive risk management, as organisations aim to defend against persistent threats that can strike at any moment.

Companies intending to fully outsource SOC operations show a stronger interest in applying “lessons learned” methodologies, whereas those developing internal SOCs focus more on access management to maintain tighter control.

Human expertise drives SOC technology choices

While SOCs use advanced technology, the choices made by organisations show that human analysts are very important. Among the solutions that organisations plan to include in SOC are – Threat Intelligence Platforms (48%), Endpoint Detection and Response (42%) and Security Information and Event Management systems (40%) – sophisticated solutions that automate data collection and reduce operational load, however, they depend heavily on skilled security professionals who provide critical context, interpret complex findings and make final decisions when guiding appropriate responses.

Other solutions chosen include Extended Detection and Response (38%), Network Detection and Response (37%) and Managed Detection and Response (33%). Large enterprises tend to adopt more technologies (5.5 per SOC on average), while smaller ones integrate fewer (3.8).

“To successfully build a SOC, companies must prioritise not only the right mix of technology but also the careful planning of processes, clear goal-setting and effective resource distribution.

“Well-defined workflows and continuous improvement are essential to ensure that human analysts can focus on critical tasks, making the SOC a proactive and adaptable component of their cybersecurity strategy,” comments Roman Nazarov, Head of SOC Consulting at Kaspersky.

 


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Nigerian Terra Industries Secures $11.8m for Expansion

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Terra Industries, a Nigerian defence technology startup, has raised $11.75 million to expand its development of defensive systems that protect critical facilities across Africa.

The fundraising round was led by Silicon Valley venture firm 8VC, which was founded by Palantir co-founder Joe Lonsdale.

Other investors in the round include Valour Equity Partners, Lux Capital, SV Angel, and Nova Global, as well as African-focused funds Tofino Capital, Kaleo Ventures, and DFS Lab.

Terra Industries, founded in Abuja by Nathan Nwachuku and Maxwell Maduka, provides multi-domain security solutions for both air and land. Its solutions are intended to detect and respond to threats including terrorism, sabotage, and armed attacks on infrastructure.

The company’s product portfolio includes surveillance drones, ground-based robotic systems, and fixed monitoring towers deployed around sensitive locations.

Co-founder and CEO Nathan Nwachuku said the company has now fully embraced its identity as a defence-focused startup, citing the growing urgency of security challenges across Africa.

He said safeguarding critical infrastructure from terrorist threats has become unavoidable.

Nwachuku argues that protecting Africa’s infrastructure requires a different approach, one that combines local manufacturing, end-to-end system control, and software capable of independently identifying and responding to threats over large areas.

The company aims to position itself as a defence prime, similar to the role played by firms such as Anduril Industries and Palantir in the United States.

Nwachuku also disclosed that the company had earlier raised $800,000 in pre-seed funding.

With the new funding, Terra plans to increase manufacturing capacity within Africa, establish additional defence production facilities, and expand its artificial intelligence and software teams.

While software offices are planned for San Francisco and London, the company said manufacturing operations will remain on the continent.

 


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