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Time for Nigeria’s MNOs to Empower Mobile Digital Ecosystem with their Subscriber Data

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Martin Effiong, Senior Operator Partnerships Lead at Infobip
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By Martin Effiong, Senior Operator Partnerships Lead at Infobip

We are at a point where Nigeria’s financial inclusion drive is at its highest, digital commerce is growing in leaps and bounds and the mobile money financial model is recording resounding successes in the region.

Time for Nigeria’s MNOs to Empower Mobile Digital Ecosystem with their Subscriber Data

Martin Effiong, Senior Operator Partnerships Lead at Infobip

Furthermore, Mobile Network Operators (MNOs) have never been better positioned to further empower the mobile digital ecosystem and spur more economic growth, and impact more lives than now.

To make these contributions, as well as benefit significantly from it, MNOs need to provide access to subscriber identity and usage data that they possess.

The resulting positive impact, directly or indirectly, on the entire ecosystem and of course MNO revenues, would be almost instantaneous, yet with little or no CAPEX obligations from the MNOs.

The heavy reliance on mobile technology as an economic driver on the African continent naturally make MNOs one of the key facilitators of the digital economy in the African continent.

The utilisation of subscriber data within a regulated framework like that of the mobile identity processes would boost economic activity from direct investments, innovation and job creation, in turn leading to higher rates of financial inclusion, e-commerce-driven prosperity and catalyse digital transformation.

Mobile identity refers to the development of online authentication and digital signatures, where a mobile user’s SIM and other mobile network attributes can be utilised as an identity tool. Mobile identity can be used for legally binding digital authentication and transaction signing for banking, payments, corporate and e-commerce services.

Claw back revenue

Leveraging mobile identity services could allow MNOs to generate a new stream of revenue from the Over-The-Top (OTT) service providers, who until now, had been making huge incursions into MNOs’ voice, SMS and data revenue streams.

However, now MNOs can be better regarded as the power house source for mobile digital authentication attributes and serve the OTTs as well, even at a premium.

This is in contrast to what prevails now where OTTs are collating and storing this data for their exclusive and commercial use, with little or no revenues going to the operators.

While OTTs’ traditional revenue streams include services such as Voice over Internet Protocol (VOIP) and social media messaging, MNOs have the opportunity to monetise the “raw materials” utilised by OTTs to generate income, which previously was not the case.

To put these opportunities into perspective when considering mobile financial services or e-commerce and mobile identity, Juniper Research forecasts that digital wallet users will exceed 4.4 billion globally in 2025, from 2.6 billion in 2020.

Additionally, Juniper estimated that there was a $27 billion ecommerce transaction fraud loss in 2020 and that this will reach over $52 billion in 2025, as the ecommerce ecosystem expands.

With such statistics, there is an obvious need to protect the digital ecosystem, doable at virtually no cost in comparison to the huge losses being incurred.

Protecting the data

While relishing the potential impact that MNO data can have on the ecosystem, MNOs must still ensure data protection compliance by protecting the privacy rights of their subscribers within the mobile identity framework.

Key to this is the enforcement of the General Data Protection Regulation (GDPR), or locally, the Nigeria Data Protection Regulation (NDPR), as well as other local interpretations of the data protection law to the fullest extent to protect subscribers.

MNOs must closely monitor industry participants to ensure that best, fair and transparent practices are adopted and used at every opportunity in the service value chain. In addition, MNOs must mandate verifiable consent management by service providers and data processors.

Operators also have a key role to play in enhancing mobile security and the user experience for the country’s growing subscriber base.

As the traditional owners and custodians of mobile data, MNOs must ensure that the core ingredient of the mobile identity value chain – subscriber data – is accurate, updated, relevant and uncompromised.

If the base data on which the mobile identity value chain is built is inaccurate, confidence in the solution is eroded and the whole industry will suffer.

Consumable formats

Furthermore, MNOs should make this data accessible to the industry in consumable formats that can be built upon or utilised by technology companies and service providers. MNOs must also ensure the data is secured to prevent breaches and leaks that may cause damage to data subjects and industry.

MNOs should be at the forefront of attaining and enforcing compliance standards which in turn will trickle down to the ecosystem as a whole.

They need to work with regulators to create and maintain governance policies to catalyse the industry as well as protect the data subjects.

Ideally, operators should partner with reputable industry experts to leverage their global experience while working and excelling in various global mobile identity markets (each with their own unique requirements), to create a business model that abides by global best practice in the industry.

Such industry experts would place a premium on its brand reputation and equity enough to avoid any compliance lapses, sharp practices, or unethical actions.

In addition, these industry experts must have a proven successful track record in data monetisation, innovation in service delivery, and significant compatibility with the telco service provider business models.

 

 

 

 


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Court Bans Kenyan Telcos from Recycling SIM Cards

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Kenya’s High Court has ruled that mobile phone numbers are not disposable assets, but constitutionally protected digital identifiers, striking at the core of a long-standing industry practice of arbitrarily reassigning inactive SIM cards without the owners’ consent.

Court Bans Kenyan Telcos from Recycling SIM Cards

In a landmark decision that could reshape telecom regulation and digital identity frameworks across Africa, sitting at Milimani Law Courts in Nairobi, Justice Lawrence Mugambi declared that reassigning a phone number without the original owner’s consent violates the right to privacy.

The ruling effectively elevates a SIM card into the same legal category as personal data tied to an individual’s private life.

At the heart of the ruling is Article 31 of the Constitution, which safeguards citizens from unnecessary disclosure of private information and interference with communications.

The court found that in today’s digital economy, a registered mobile number functions as a critical gateway to sensitive personal data, linking users to mobile money platforms like M-PESA, banking systems, email accounts, and social media profiles.

“When mobile digital identity is lost through reallocation or recycling without interrogating the reasons behind inactivity, it creates an avenue for unauthorised disclosure of delicate information,” the judgment stated.

The case, brought by Erastus Ngura Odhiambo, petitioner and former prisoner, challenged the routine telecoms practice of deactivating SIM cards after prolonged inactivity and reassigning them to new users.

Odhiambo lost access to his mobile phone number due to inactivity while serving his lengthy sentence.

He argued that the practice exposes individuals to serious risks, including misdirected financial transactions, intercepted one-time passwords, and unintended access to private communications.

The court agreed, highlighting how recycled numbers can result in strangers receiving confidential messages, authentication codes, and even being added to private messaging groups, effectively inheriting fragments of another person’s digital life.

Justice Mugambi also criticised the rigidity of SIM deactivation policies, calling them “arbitrary” for failing to consider legitimate reasons for inactivity such as incarceration, studying in restricted environments, or living abroad.

“Incarceration does not strip an individual of their constitutional rights to privacy and identity,” he noted.

For telecom operators, including Safaricom, the ruling introduces a significant compliance burden. The court outlined three strict conditions before any number can be reassigned.

Telcos must obtain informed and verifiable consent from the original owner, issue a public notice and conduct traceability efforts over a reasonable period.

More importantly, the court further directed that telecoms firms must implement technical safeguards to prevent data exposure to the new user.

The Office of the Attorney General has been given six months to translate these directives into enforceable regulations.

 


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Binance Earn: Simple Way to Earn Rewards on Idle Crypto Holdings

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Binance Earn offers cryptocurrency users an accessible way to generate rewards on idle digital assets without active trading or constant market monitoring.

Binance Earn: Simple Way to Earn Rewards on Idle Crypto Holdings

Binance Earn

As the crypto market matures, more holders seek productive uses for their assets rather than leaving them dormant in wallets. Binance addresses this through Binance Earn, where users allocate supported cryptocurrencies to various reward products for automatic yield generation.

The platform emphasises simplicity with a “set-and-forget” model: users select assets, pick a product, and rewards accrue passively in the background. This appeals especially to long-term holders aiming to enhance portfolio value over time without day-to-day involvement.

Binance Earn provides flexible options for instant liquidity access alongside fixed-term products for defined commitments, catering to diverse strategies and risk appetites.

“We’re seeing growing interest across Africa in ways to make crypto holdings more productive without active trading,” said Larry Cooke, Africa Head of Legal at Binance. “Simple, ‘set-and-forget’ solutions are becoming increasingly relevant as more users take a longer-term approach to digital assets.”

The feature reflects shifting user behaviour towards holding and gradual growth amid volatile markets, where reward rates fluctuate based on conditions, liquidity, and structures.

Users must assess risks and alignment with personal goals, as crypto remains volatile. Binance Earn positions itself as a key tool in Africa’s rising digital asset adoption, enabling hands-off participation in the ecosystem.


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New Gmail Scam Mimics Security Alerts to Steal User Data

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Cybersecurity researchers at Malwarebytes Labs have exposed a sophisticated new Gmail scam where fraudsters send fake Google security alerts via phishing emails, texts, and pop-ups, tricking users into a deceptive four-step verification process that harvests login credentials, GPS locations, contacts, and other sensitive data for account takeovers.

New Gmail Scam Mimics Security Alerts to Steal User Data

Gmail

Disguised as routine checkups, these alerts mimic Google’s official pages to create urgency, prompting victims to install malicious “security tools” that grant hackers real-time access to Gmail and linked services—Corey Donovan, president of Alta Technologies, warns legitimate checks never come unsolicited or demand downloads, urging users to close suspicious prompts immediately and verify via official Google account pages instead.

The scam’s rise amplifies risks during travel, where public Wi-Fi hotspots—especially “evil twin” fakes like slight misspellings of “Airport_Free_WiFi”—enable interception of banking details, emails, and malware installs; Donovan advises disabling auto-connect, using VPNs for HTTPS sites only, avoiding logins altogether, and crafting strong passwords with mixed characters plus two-factor authentication.

Shoulder surfing on public transport and outdated devices compound threats, as fraudsters glimpse screens or exploit unpatched vulnerabilities—keeping phones updated with post-update privacy reviews limits app access to location or commutes, while skipping work emails in view maintains confidentiality on the go.

Nigeria’s heavy reliance on digital banking and crypto heightens vulnerability, as scammers exploit rushed travellers; Donovan stresses: “Cybercriminals target busy airports and stations knowing guards drop—stay cautious, update devices, lock privacy, and never rush links to protect against these advanced breaches.”


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