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USSD: 13 Banks Clear Debts – ALTON

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Association of Licensed Telecommunications Companies in Nigeria (ALTON) has revealed that 13 commercial banks have fully settled their outstanding Unstructured Supplementary Service Data (USSD) service debts to Mobile Network Operators (MNOs).

USSD: 13 Banks Clear Debts - ALTON

Gbenga Adebayo, chairman, ALTON

The remaining three banks are nearing completion of their payments, having cleared over 95% of their respective debts, according to Gbenga Adebayo, chairman, ALTON.

This resolution paves the way for a new billing system for USSD banking transactions.

Going forward, charges for these services will be debited directly from customers’ airtime accounts.

The update on debt settlements and the upcoming billing model were discussed , during the ‘ASK the Exec’ online meeting anchored by MTN.

Participants included Lynda Saint-Nwafor, chief enterprise business officer at MTN and  Adebayo.

According to the ALTON Chairman, there has been substantial progress in resolving the long-standing debt issue.

“As of January, the outstanding debt from banks to MNOs for USSD services was N180 billion. Of the 17 banks with pre-API outstanding payments (excluding Heritage Bank, which is insolvent), 13 have fully settled their debts, and the remaining three are in the final stages of installment payments, with over 95% of the debt cleared”, he explained to journalists present at the call.

The clearance of historical debt is crucial as the industry moves to a new operational model.

“Banks with outstanding debts will not be excluded from the new system; they can either migrate to end-user billing once their debts are cleared or choose to remain on the old corporate billing model, provided they settle their outstanding obligations”, Adebayo pointed out.

Since 2021, collaborative efforts between the telecommunications and banking industries, supported by their regulators, have aimed to standardize charges for USSD banking transactions, resulting in a unified fee of N6.98 per transaction.

Saint-Nwafor, explained the upcoming change: “The most significant change is the transition to end-user billing, where customers will now be billed for USSD transactions directly from their airtime accounts instead of their bank accounts. This means deductions will no longer occur from bank balances but from airtime balances held with MNOs.”

Previously, banks directly debited customers’ bank accounts, a system that presented challenges regarding transparency and control.

To address this, an Application Programming Interface (API) was developed, granting banks full control over their USSD channels. For instance, a bank like GTBank with the USSD code *737# can now ensure a customer’s number is accepted by the bank before a transaction proceeds, after which the bank applies the N6.98 charge.

MNOs like MTN simply facilitate the connection, earning their N6.98 fee for providing the channel.

To ensure a smooth transition and consistent experience, a standardized process for end-user billing has been implemented across all operators and banks: Consent Message: Customers dialing a bank’s USSD code will receive a clear consent message informing them of the N6.98 deduction from their airtime and requesting acceptance.

Aggregator Communication: Upon acceptance, the MNO will contact a USSD aggregator to confirm the bank’s availability, preventing billing for unfulfilled services. Transaction and Billing: Once the bank confirms readiness, the MNO connects the customer and bills the airtime account.

All MNOs have also unified their messaging to customers, providing consistent communication on service levels and transaction outcomes, clarifying if a transaction failed due to issues on the bank’s end or the telco’s side.

Crucially, telco service purchases (airtime and data) from banks are zero-rated when customers use direct strings (e.g., dialing *737*10000# for N10,000 airtime instead of the generic *737#).

This informs both the MNO and the bank of the specific intent, making these transactions free.

Customers are strongly encouraged to use these direct strings to avoid charges, and extensive communication campaigns are planned. Any instance of double deduction (from both airtime and bank accounts) should be reported to the customer’s bank.

Adebayo addressed several key questions, reassuring the public about the implications for consumers and businesses.

He noted that for consumers, the shift to end-user billing has a zero net effect on cost, as they were already paying the N6.98 fee, albeit from their bank accounts.

Transparency and accountability are enhanced through standardized consent messages, inter-industry agreements, and MNOs’ commitment to provide monthly performance statistics to regulators.

“If a transaction fails due to MNO network issues, the customer will not be billed, or any deduction will be reversed. However, if the failure originates from the bank’s end (e.g., insufficient bank balance, bank system downtime), the customer will still be billed, with the reason for failure communicated”, ALTON Chairman explained.

The concern about USSD usage limiting access for those in unbanked areas or without airtime was also addressed.

“The N6.98 charge is considerably lower than alternative transport costs to physical banking points. Furthermore, customers can purchase airtime from their bank accounts at zero cost using direct strings, even if they have no airtime, as long as they have funds in their bank account. USSD is seen as a convenience channel, with all stakeholders contributing to the cost of providing financial services”, Adebayo stated.


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Ebere Melum-Nwogbo is a trained and practicing journalist. She is passionate about ICT and business journalism. She has over a decade experience spanning money and capital market as well as information technology

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Telcos Compensate 75m Subscribers over Poor Network Quality – NCC

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Telecom operators in Nigeria have compensated more than 75 million subscribers for poor network services, according to the Nigerian Communications Commission (NCC).

Telcos Compensate 75m Subscribers over Poor Network Quality – NCC

This represents one of the largest consumer redress exercises in Africa’s biggest mobile market.

Recall that the NCC on March 29, 2026, mandated that mobile network operators directly credit affected subscribers with airtime when network quality falls below established thresholds, compensating for dropped calls, failed SMS, and disrupted data connections.

Giving update, the NCC rising from its 109th board meeting recently, said that the credits are calculated based on customers’ average spending patterns in areas where service quality fell below regulatory benchmarks.

“The board noted substantial progress in the implementation of the commission’s directive, particularly the full compliance, which has resulted in compensation being offered to over 75 million affected subscribers,” the communiqué stated.

The NCC said it is still conducting independent validation to confirm that all eligible subscribers received their due compensation, while urging consumers to continue engaging with the regulator on service-related issues.

Nigeria currently has over 200 million mobile subscriptions.

The exercise addresses long-standing consumer complaints about dropped calls, slow data speeds, and inconsistent coverage.

The board also reviewed ongoing network expansion efforts, noting that operators have committed to deploying over 12,000 new sites, with more than 5,000 already completed.

It further highlighted investments in fibre infrastructure and concerns over persistent vandalism of telecom facilities.

The NCC reiterated its commitment to improving service quality through stricter enforcement, consumer protection, and infrastructure development in the sector.

 

 


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Nigeria, Others Stuck on WiFi 4 As World Adopts WiFi 6, WiFi 7

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Nigeria among other African countries are falling “dangerously” behind the rest of the world in the adoption of WiFi technologies, with nearly half of the continent’s internet users still relying on the ageing WiFi 4 standard, while developed markets increasingly transition to WiFi 6 and WiFi 7.

This is according to Ookla’s Global State of WiFi 2026 report, which analysed speed test data from Android devices worldwide and found a widening gap between Africa and leading global markets.

The firm used these devices to track the prevalence of different WiFi generations (WiFi 4 through WiFi 7), the spectrum bands being used (2.4GHz, 5GHz and 6GHz), and the installed base of customer premises equipment connected to those devices.

While WiFi 6 has become firmly established across much of the world, Africa remains heavily dependent on legacy wireless technologies that were introduced more than a decade ago, the report finds.

While countries such as South Korea, Japan, Singapore and the US are rapidly migrating toward WiFi 6 and WiFi 7, Africa remains largely anchored on WiFi 4.

South Africa remains one of the continent’s most advanced broadband markets, yet the country is struggling to gain traction with the latest WiFi technologies, states Ookla.

The report notes: “WiFi 4 – a standard finalised back in 2009 – still accounted for 48.8% of Africa’s WiFi samples in the first quarter, with WiFi 5 a fast riser at 34.4%, up from 19.9% four years earlier. WiFi 6 climbed from 1.6% to 16.8% over the same period, while WiFi 7 barely registered at 0.1%.”

Ookla’s findings show a divide between advanced broadband markets and developing regions when it comes to next-generation WiFi adoption.

By comparison, WiFi 6 has already captured 27% of the global market, up from just 6% in 2022.

“WiFi 7 has also begun establishing a foothold globally, accounting for nearly 2% of worldwide connections. Meanwhile, older WiFi 4 and WiFi 5 technologies continue to decline globally, falling to 34% and 39%, respectively,” says Ookla.

The strongest uptake of WiFi 6 and WiFi 7 is concentrated in technologically-mature markets such as the US, Canada, South Korea, Japan, Singapore and several Western European countries, where fibre broadband penetration is high and consumers upgrade smartphones, routers and home networking equipment more frequently, according to the report.

“These markets have also moved more aggressively to open up the 6GHz spectrum needed to support WiFi 6E and WiFi 7 services, helping accelerate adoption of newer wireless technologies.”

WiFi 7, the next evolution of the WiFi network protocol, promises to be a substantial upgrade over its predecessor – surpassing the speeds of Ethernet cables, and significantly improving connection reliability and latency over WiFi 6.

While SA’s market is still in the early stages of migration to next-generation wireless technologies, research firm 6Wresearch forecasts strong growth in SA’s WiFi 6 and WiFi 6E ecosystem over the next few years, driven by increasing demand for high-speed connectivity, fibre expansion and growing use of connected devices.

Legacy spectrum dependency

The report also highlights Africa’s continued dependence on older wireless spectrum bands.

The congested 2.4GHz band remains the dominant carrier of internet traffic across Africa, accounting for 52.4% of all WiFi samples during the first quarter of 2026.

Although this represents a significant improvement from the 76.4% share recorded in 2022, the continent still lags behind regions where users have largely migrated to higher-capacity spectrum, the report states.

The 5GHz band has expanded rapidly across Africa, growing from 23.6% of samples in 2022 to 47.6% in 2026. However, the newer 6GHz spectrum, which is critical to unlocking the full capabilities of WiFi 6E and WiFi 7, remains virtually non-existent across the continent.

“The congested 2.4GHz band remained the continent’s majority carrier at 52.4%, down from 76.4% in 2022, with the 5GHz band the chief beneficiary, rising from 23.6% to 47.6%.”

One of the starkest findings in the report is Africa’s complete absence from the global shift towards 6GHz WiFi.

Across the continent as a whole, the 6GHz band accounted for a flat 0.0% share of WiFi samples during the first quarter of 2026. South Africa was the only market to record any meaningful activity on the band, but even then usage reached just 0.2%.

The report states: “Just 0.2% of WiFi connections in South Africa ran over the 6GHz band in the first quarter of 2026. In a market where households keep routers and handsets for years, and where service providers have been slow to bundle 6GHz-capable customer premises equipment, an allocation on paper turns into real-world use only gradually.”

According to forecasts from Grand View Research, SA’s demand for WiFi 6 and WiFi 6E technologies is expected to accelerate sharply over the remainder of the decade, driven by enterprise digital transformation, smart-home deployments and increasing bandwidth requirements.

Device readiness

The Ookla report suggests that consumer devices are no longer the primary barrier to WiFi upgrades globally and in SA.

According to Ookla, 61.4% of Android devices sampled worldwide already support WiFi 6 or newer technologies. This indicates that many markets now possess the device ecosystem needed to support more advanced wireless networks.

“However, Africa faces a different reality. The continent’s slower replacement cycle for smartphones and routers, combined with high equipment costs, and slower deployment of advanced customer premises equipment, continues to delay migration to newer standards,” notes the report.

Other obstacles include regulatory and spectrum availability constraints, as a result of the full 6GHz spectrum still being debated by the Independent Communications Authority of South Africa and local telecoms operators.

Widening connectivity gap

The Ookla findings suggest Africa risks falling further behind as the rest of the world accelerates toward WiFi 6, WiFi 6E and WiFi 7.

While the continent has made notable progress by shifting traffic from the overcrowded 2.4GHz spectrum to the more capable 5GHz band, the overwhelming dominance of WiFi 4 and the near absence of 6GHz adoption highlight the scale of the challenge ahead.

While SA can function without widespread WiFi 6 and WiFi 7 adoption, there are significant economic, technological and competitiveness consequences if the country falls too far behind.

“These include reduced return on fibre investments, challenges supporting artificial intelligence and data-intensive applications, lower business competitiveness, persistent network congestion, slower smart city and internet of things development.”


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Yuno Partners with Onafriq to Unlock Pan-African Payments for Global Merchants

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Yuno, the global financial infrastructure platform, today announced a strategic partnership with Onafriq, the leading Pan-African payments network, to bring Africa’s most expansive payments infrastructure to merchants worldwide. Through this integration, Yuno’s clients gain instant access to Onafriq’s network spanning 43 African markets, nearly 1 billion mobile wallets, 500 million bank accounts, and 2,000 cross-border payment corridors, all through Yuno’s single, developer-friendly API.

Yuno Partners with Onafriq to Unlock Pan-African Payments for Global Merchants

As businesses increasingly look to Africa as a high-growth frontier, the partnership addresses one of the most persistent friction points in cross-border commerce: the complexity of connecting to fragmented, local payment rails across dozens of markets. By combining Yuno’s payment infrastructure capabilities with Onafriq’s deep-rooted African network, the two companies aim to dramatically reduce the time and technical overhead required for merchants to go live and scale across the continent.

Onafriq’s infrastructure supports the full payment lifecycle, from real-time disbursements and omnichannel collections to card issuance, treasury management, and stablecoin settlement, all underpinned by local regulatory licences and ISO 27001 and CMML3-certified security. For Yuno’s merchant base, this means the ability to pay out to mobile wallets, bank accounts, or cash pickup points, and accept payments across channels, without managing multiple integrations or compliance frameworks independently.

“Africa represents one of the most exciting growth opportunities in global commerce, and yet too many merchants are still locked out by payment infrastructure that wasn’t built for scale. Our partnership with Onafriq changes that,” said Juan Pablo Ortega, Co-Founder and CEO, Yuno. “By bringing their unmatched African network into our infrastructure layer, we’re giving our clients a single path to a continent-wide ecosystem with the reliability, compliance, and local depth they need to grow with confidence.”

The partnership is part of Yuno’s broader strategy to build a truly global platform that connects merchants to every meaningful payment method and network, regardless of geography. Following successful expansion in the Middle East, Europe, and Asia, Africa is a key pillar of Yuno’s next phase of growth.

For Onafriq, the integration with Yuno extends its reach to an entirely new segment of global merchants who now benefit from a streamlined entry point into African markets. The partnership reinforces Onafriq’s mission of making borders matter less, bringing together mobile money operators, banks, fintechs, and enterprises into one connected payment ecosystem.

“Africa’s payment landscape has never lacked ambition or momentum, what it needed is the right infrastructure that matches its pace. Our partnership with Yuno changes the equation for global merchants who want to be part of this growth story” said Dare Okoudjou, CEO, Onafriq. “Through a single connection, global merchants can reach consumers and businesses across Africa more seamlessly than ever before, while more people across the continent gain access to the digital economy on their own terms. For us, this is what making borders matter less looks like in practice.”

The integration is now live and available across Egypt, Ghana, Kenya, Nigeria, Cameroon, Cote D’Ivoire, and Uganda. Yuno’s clients can access Onafriq’s capabilities, including mobile money disbursements and collections, card issuance, and FX treasury services, directly from the Yuno dashboard with no additional contract or integration required.


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