General News
e- Payment has Profound Effect on Nigerians-Ekajeh
Noble Ekajeh is managing director, ATM Consortium,,a company formed by a group of banks in Nigeria to jointly deploy and manage ATMs across the country. Ekajeh has worked with several IT multinationals within his over 15 years experience and has achieved outstanding success in his career. He spoke to chike onwuegbuchi on issues in the e-payment industry.
ATMC’s Operations
ATMC is a ATM terminal operator; we focus on network of ATMs. We accept Interswitch cards, V-pay value cards, Visa and Mastercards but we are not a card company. We do not compete with any of the card companies in their business. Where we provide collaboration for them is that we provide a network of ATMs where their cards can be used.
Basically, ATMC as a company was conceived about five years ago. Then banks share capital base was N2 billion as a result of that, we had a situation where when banks were looking into going into ATM services and trying to consider the approach to take to roll out ATMs in a very large way. It made sense for the banks to take an approach where they will work together in a collaborative manner. For example, to roll out 1,000 ATMs costs an average of $35,000 or $40,000 per ATM, that is to build the kiosk, install the ATM, put the inverter and others. If you are talking of 1,000 ATMs, that will cost almost $35 million or $40 million. With the exchange rate at N120 at that time, you will be looking at almost N4.8 billion. A bank of N2 billion capitalizations trying to roll out 1,000 ATMs will spend its entire share capital and probably borrow more to deploy such; and of course given the size of Nigeria 1,000 ATMs is not so much ultimately.
ATMC as a company was conceived by banks to promote cooperative idea. Banks will cooperate to deploy to offsite location through this vehicle. The idea was to maximize the efficiency of the overall system by having a company to represent the company offsite. The vision was kicked up and the company started off but unfortunately we did not anticipate that almost about two years into the company’s life there will be banking consolidation. After banking consolidation the banks that were currently N2 billion went up to N25 billion, some of them went as far as 50 to 300 billion share capital. All of a sudden the banks that could not imagine rolling out 1,000 ATMs could on its own roll such numbers out.
As it turned out, ATMC constituted of some banks but not all banks in the industry are its owners. There were some banks outside of ATMC who took on their own initiative to expand their ATM networks quite aggressively. That posed a competitive challenge on even some of our owner banks to respond. We had a situation where the banking system and the financial system started to proliferate ATMs both in branches and also aggressively offsite. The situation we now have basically is like we have come full cycle in the sense that the quick cash network has always existed, the philosophy of ATMC has always existed but the industry paradigm has changed up and down. What that created was a challenge where the industry was going “everybody for himself approach” because the idea was the believe that we all have money it does not really matter. If you look at global trends, most matured and modern markets are dominated offsite by independent companies. The challenge for Nigeria was that somehow at the beginning we took what I consider to be the industry best practice approach, the industry paradigm changed and we went on individual approach. But that individual approach would probably ultimately come back to a collaborative approach because that is the cycle which other countries went through. How soon or how quickly it would happen is what we could not have said. Just the same way not everybody believed that banking consolidation would work when CBN announced it. People thought banks would ordinarily combine but CBN said no, the way the banks were was the problem of the banking system; it was better to accelerate that consolidation process because it was in the interest of the system. In terms of the cycle, the quickcash net in ATMC went through those challenges. We re-diversified our business and provided some banks ATMs outsourced management services. There are two banks today when you go to their ATMs, they are banks this and that but the operation and support behind their ATMs is provided by ATMC.
Model of Recapturing the Market
The first thing is that we are reaching out to existing owner banks and to some of those banks who were not owners from the beginning in order to enable them become stakeholders in ATMC unlike when it was a small group of banks. We have also put together specific proposals to all the banks and we hope to use those discussions to finalize business plan arrangements. We have had an experience and that experience will help us shape the future to avoid some of the mistakes we made in the past.
CBN’s Directive on Redeploying ATMS in Public Places
This policy affects some banks more than others to a greater or lesser extent. We are in discussion with banks on their offsite deployment. Our job has been reaching out to all banks to see how these things can be implemented given the policy on ground. We are reaching out to existing banks that is, investors in ATMC and non investors.
Acquiring or Running ATMs on Behalf of Banks
The end result has to profit ATMC and the concerned banks. At this stage, we have started discussions with some of those banks, the final details has to wait until the level of discussions have crystallized. Most players in the industry now are assessing what the impact is on their respective banking visions and from what their options are and what would be their preferences. Banks would be doing that for themselves, we at ATMC also have ideas for those parties. Our job and challenge is to come up with an arrangement that takes into account a win-win for the industry and ATMC. Discussions are on-going to fulfill CBN’s expectations under the policy. CBN is also an important part of the discussions.
Upgrading Systems to Accept Chip and Pin
In terms of existing ATMs that we have already look and ascertain that the `technical specification details of those ATMs are compliant with industry regulations and that would affect many things in terms of whatever policy model we decide to agree with the banks in respect of the ATMs in concern. For the ones we already have they are, for the through the technical audit to ascertain that they are compliant to know that whatever we are taking over does not become redundant after a period of time.
Hiccups in e-Payment System
What we had was a slight teething problem involved in transiting from one system to the other so operators have to adopt the new system. In trying something new for the first time, you have to learn what works and some that does not work well. Hopefully, the next time you use it because of the initial knowledge of what you have learnt, it would help you prepare better next week. So it is a big challenge for organizations that have not really done anything electronically to move to full time automated system.
As we become familiar with that system, we take it for granted and that is the big issue but I do not see it as something that is so difficult once people become familiar with how it works. Within a short period, you will find out that the level of complaints would have been reduced because the solutions would have been worked out.
Electronics Payment in Nigeria
Electronics payment in Nigeria is in the area of tremendous growth opportunity. It can have a very significant impact on the quality of life of the average Nigerian. Even now looking at how much impact ATM has made in its relatively short period where we have proliferated the service. People do not have to carry so much cash around, now people can feel very confident that with their ATM cards; they are sure of finding an ATM they can use anywhere that can give them money. That is the quality of life impact that I expect that Nigerians should take for granted because in the UK nobody carries $500 cash in his pockets. They know that at any point wherever they go, they can either pay with their cards in most places or should they need cash, they can quickly withdraw money. If you are traveling to the eastern part of Nigeria, you will not take for granted that anywhere you stop on the road there will be an ATM. You will still carry some cash whereas now if you are traveling, you take your phone along knowing that it will work anywhere on the road. So, until we get to the point in Nigeria where the same way you travel along with your phone, you do same with your ATM; knowing that you can get services or cash at any point. I think by this, we would have transformed the retail banking industry in Nigeria. It makes for so much sense (a) we would not necessarily move so much cash up and down. (b) it is more convenient for the user and the banking system. You know that either it is 10 at night, it is a weekend, when a branch is not opened, if you arrived in a strange city where you knew no one, you can easily locate the ATM and get some money. Really, we have to look back and remember how life was. I remember then that I had to quickly rush to the bank whenever it is a Friday, budgeting for what was needed over the weekend as well as contingency. Now I do not rush to the bank, if the weekend comes, it is just another day. As little as the change is, it reduces a kind of pressure that one would have gone through before the arrival of e-payment.
My hope is that being a part of something that has an impact on the average Nigerian is something great. I think ATMC as a vehicle, the concept of the company in that vision of offsite deployment is very exciting but beyond that what we have done, given some experiences that we had we have also come to recognize that what ATMC’s real value is, is not only the operative network but the expertise in that management of ATM. Beyond running our own network which we will continue to do, we have recognized that many banks also as they now deploy more ATMs even the ones in their branches, we now recognize it is not a core banking function. I am now saying that instead of building a whole organization that would be like a company within a company, why do we not find a reliable traffic partner that can help us manage everything. Sometimes when you go to a bank, all the staff at the reception and so on were outsourced. Whereas banks insisted they must be their staff in time past. Now banks recognize it is not their core function. What is happening in Nigeria is that the Nigerian banking industry is beginning to take some of the best practices happening in other parts of the world and adopting them here. This area of ATM with the CBN policy is just another reflection of some of those things and I think with this policy, we would be able to help CBN focus and drive the offsite deployment in a way that makes sense. We also hope that as we do that successfully, banks would also recognize that they do not want the headache of doing it even within their branches, therefore inviting us to manage it for them. The business today is still a mixture of doing the offsite and also talking to banks in terms of managing their ATMs. We have recognized that as an operator, we have specific useful experiences which we have started to share through specific trainings and consultancy that we provide for interested banks.
Infrastructure to Execute Transactions
We have in place infrastructure to process transactions. There are investments in personnel to scale up support in network requirements; but the specific details as part of the discussions we had with banks as to the best arrangement that makes sense and we have had commercial discussions, operational discussions and technical discussions to ensure that the end result is better than the previous situations. The good thing is that we are in a unique position having had the experience, we know what to avoid and what not to avoid. To run an ATM network requires things like, managing cash needs, supporting the ATM, supporting links, in Nigeria supporting the back up power and the suppliers of all these things are many and different so you have to set up a relationship or several relationships in each area to be sure that both you and the suppliers have the capacity to support network on these sites. It requires everybody, the ATMC, its suppliers, banks who are part of ATMC having a clear, candid discussion to ensure that going ahead is better than how it was before.
General News
FG to Abolish JSS-SSS Separation Policy after 20m Pupils Drop Out

Federal government has announced plans to end the separation between Junior Secondary School (JSS) and Senior Secondary School (SSS) as part of efforts to improve school retention and reduce the high number of pupils dropping out before completing secondary education.

Tunji Alausa, minister of Education
Tunji Alausa, minister of Education, announced the proposal on Tuesday during the inauguration of the Ministerial Implementation and Monitoring Committee of the Universal Basic Education Commission (UBEC) in Abuja.
Alausa said the existing “disarticulation policy,” which requires junior and senior secondary schools to operate independently with separate principals, management structures and facilities, has failed to achieve its intended objectives and has instead worsened access to education.
According to him, the Federal Government will present a proposal to abolish the policy at the next meeting of the National Council on Education (NCE), the country’s highest education policymaking body.
“We have 20 million dropouts from primary school to JSS. Where are those students?” the minister queried.
“We also found we have 80,000 public primary schools and only about 15,000 junior secondary schools. That’s a one-to-eight ratio.”
He explained that the mismatch between the number of primary and junior secondary schools has created severe bottlenecks in the education system, leading to overcrowded classrooms at the junior secondary level while many senior secondary school facilities remain underutilised.
Alausa cited Kaduna and several northern states as examples where the policy has contributed to poor transition rates between basic and secondary education.
“This disarticulation policy has failed. We will phase it out. We can’t be creating positions because we want to create director-level appointments for people while we harm our education system. It’s about doing what is best for every Nigerian child,” he said.
The minister said the proposed reform forms part of broader efforts by the Tinubu administration to improve access to education, increase retention rates and enhance learning outcomes across the country.
He acknowledged previous shortcomings in tackling the out-of-school children crisis but expressed confidence that the current administration would reverse the trend.
“This government will not fail. We are fixing it,” Alausa declared.
At the ceremony, the minister also inaugurated the UBEC Ministerial Implementation and Monitoring Committee, chaired by Prof. Rashid Aderinoye, to supervise the execution of UBEC-funded Smart Schools, Bilingual Schools and Alternative Schools nationwide.
He said the committee had been tasked with ensuring that the projects are completed, handed over to state governments and opened for teaching and learning.
Although UBEC has invested in hundreds of Smart Schools and related educational projects across the country, Alausa lamented that many remain abandoned, unfinished or yet to admit pupils, describing the situation as an unacceptable waste of public resources.
He stressed that improving education requires more than constructing schools, insisting that completed facilities must become fully operational and accessible to learners.
General News
FG Mulls National Skills Database to Tackle Unemployment

Federal government has said that it plans to establish a National Skills Database as part of efforts to reduce unemployment, address the growing mismatch between available skills and industry needs, and strengthen workforce planning through data-driven policies.

The proposed database, to be developed under a Nigerian Skills Observatory, is expected to provide real-time information on the supply and demand of skills across sectors, enabling better job matching, improved policy formulation and targeted investments.
The plan was unveiled at the second National Skills and Industry Alignment Roundtable Series held in Abuja with the theme, “The Role of Data in Job Creation, Coordination and Linkages.”
Delivering the keynote address, Yemi Kale, group chief economist and managing director of Research and Trade Intelligence, Afreximbank, said Nigeria’s labour market challenge was no longer the absence of data but the inability to convert existing information into actionable intelligence.
“The challenge for us as a nation is not one of data accumulation. It is one of data integration and intelligence,” Kale said.
He explained that although vast amounts of information on education, employment, wages and skills development already exist across government agencies, educational institutions and the private sector, the data remains fragmented, making effective labour market planning difficult.
“Data tells you what exists. Intelligence tells you what is happening, what is likely to happen next and what actions should be taken,” he said.
Kale lamented that while Nigeria produces thousands of graduates annually, employers in critical sectors continue to struggle to recruit qualified workers, even as millions of Nigerians remain unemployed or underemployed.
“The problem is that employers are searching, workers are searching, policymakers are searching and investors are searching independently rather than collectively. Opportunities that should be visible remain hidden because the information needed to connect them is fragmented,” he said.
According to him, the disconnect has created structural inefficiencies that discourage investment, suppress productivity and prevent Nigeria from fully leveraging its youthful population.
He added that countries that successfully transformed their economies deliberately aligned education, skills development and workforce planning with the needs of industry.
Kale urged Nigeria to view its youthful population as an economic asset by ensuring young people acquire skills demanded by modern industries.
Speaking on the proposed National Skills Database, Rimam Nuhu, special assistant to the President on Workforce Development, said the platform would serve as the foundation of the Nigerian Skills Observatory.
“At the most foundational level, the Skills Observatory is to create a database on the demand and supply of skills,” Nuhu said.
He explained that the National Council on Skills, chaired by Vice President Kashim Shettima, would rely on data generated by the observatory to formulate evidence-based policies on workforce development.
“Skills development is an input for job creation. We have a market where there are a lot of skills mismatches. Understanding exactly where those shortages exist will help us plan better and improve workforce planning.
“Ultimately, that contributes to a more productive economy,” he added.
Nuhu acknowledged ongoing debates over whether Nigeria is facing an actual shortage of skilled workers or merely a mismatch between available skills and labour market demand, stressing that the database would provide the evidence needed to guide interventions.
Earlier, Akubo Adegbe, senior special assistant to the President on Coordination and Delivery, said the roundtable was convened to tackle the fragmentation of labour market information across government institutions and the private sector.
He noted that despite huge volumes of workforce data being generated daily, the lack of coordination often leaves policymakers without a comprehensive understanding of labour market realities.
“If our first Roundtable challenged us to better align skills with industry, this second Roundtable challenges us to better align information with action,” Adegbe said.
Also speaking, Massimo De Luca, head of Cooperation at the European Union Delegation to Nigeria and ECOWAS, said the EU would continue supporting Nigeria’s efforts to build a labour market capable of meeting investors’ needs.
“We have a shortage of skilled labour when it comes to big investment projects. On the other hand, we have a lot of untapped talent that is not adequately recognised.
“Those are realities that investors take into account,” De Luca said.
He commended the Office of the Vice President for leading reforms aimed at strengthening Nigeria’s skills development ecosystem.
The Federal Government’s plan comes amid persistent unemployment and skills mismatch in Nigeria, where many graduates remain jobless despite employers reporting shortages of qualified workers in critical sectors.
The National Skills Database will serve as the foundation of the proposed Nigerian Skills Observatory, an initiative designed to provide real-time labour market data to guide workforce planning, skills development and evidence-based job creation policies.
General News
First Lady inaugurates IT academy, clinic, launches food bank programme in Jigawa

Nigeria’s First Lady, Senator Oluremi Tinubu, on Monday commissioned the President Bola Ahmed Tinubu Academy, alongside a modern clinic and dialysis centre named in her honour, describing the projects as “clear evidence of the government’s commitment to improving infrastructure, expanding access to quality healthcare, and investing in the future of the young.”

The First Lady of the Federal Republic of Nigeria, Senator Oluremi Tinubu, cuts the ceremonial ribbon to officially commission the Senator Oluremi Tinubu Clinic and Dialysis Centre in Hadejia Local Government Area of Jigawa State. She was joined by the Governor of Jigawa State, Malam Umar A. Namadi, and the Director General of the National Information Technology Development Agency (NITDA), during the commissioning ceremony.
The commissioning took place in Hadejia, Jigawa State, where Senator Tinubu emphasised that the state-of-the-art clinic would bring “relief and hope to many patients and their families in Hadejia, neighbouring communities, and beyond.”
She added that the academy represents President Tinubu’s dedication to human capital development and educational excellence, which secures “a better tomorrow” for Nigeria’s children.
In addition to the health and education projects, Senator Tinubu also launched the National Food Bank Programme, a deliberate and sustainable response to food insecurity and malnutrition among vulnerable households.
The initiative is designed to ensure that children under six, pregnant women, and lactating mothers have access to nutritious food, directly advancing President Tinubu’s Renewed Hope Agenda on food security and improved health outcomes.
The programme is being implemented through a strategic partnership between the Office of the First Lady, the Federal Ministry of Health and Social Welfare, the National Primary Health Care Development Agency, and the Bank of Agriculture.
According to Senator Tinubu, the initiative will “build a stronger and more prosperous Nigeria” by safeguarding the health and future of its most vulnerable citizens.
The clinic and dialysis centre were built and fully equipped by FutureMap Foundation and eHealth Africa, in honour of the First Lady’s passion for uplifting underserved communities and vulnerable people.
The President Bola Ahmed Tinubu Academy was established with the support of His Excellency President Bola Ahmed Tinubu GCFR and the National Information Technology Development Agency (NITDA), underscoring the administration’s commitment to innovation and education.
Both projects are designed to work hand in hand. The academy, with its fabrication laboratory and advanced learning facilities, will support the clinic by developing prototypes of body organs — especially kidneys — to aid research, early detection, and prevention of chronic kidney disease.
This synergy ensures that education directly fuels healthcare innovation, creating practical solutions to pressing medical challenges.
The First Lady, who expressed deep appreciation to the NITDA Director-General for the honour, re-emphasised the benefits of the academy and the clinic saying: “We are grateful for these honours done to us. Thank you.
“These projects are clear evidence of the state and federal government’s commitment to improving infrastructure, expanding access to quality healthcare, and investing in education and the future of young people.”
The First Lady further highlighted that the Bola Ahmed Tinubu Academy represents the President’s commitment to human capital development and educational excellence. She added, “By investing in the education of our children today, we are securing a better tomorrow for them.”
While speaking on the National Food Bank Programme, the First Lady described it as “a deliberate and sustainable response to food insecurity and malnutrition among vulnerable households in Nigeria.”
She stressed that the initiative is designed to ensure that children under the age of six, pregnant women, and lactating mothers have access to nutritious food, adding that “this programme aligns with the Renewed Hope Agenda of His Excellency President Bola Ahmed Tinubu, advancing food security, improving healthcare outcomes, and building a stronger and more prosperous Nigeria.”
She explained that the programme is being implemented through a strategic partnership between the Office of the First Lady, the Federal Ministry of Health and Social Welfare, the National Primary Health Care Development Agency, and the Bank of Agriculture.
Recalling its rollout, she noted that, “We have launched the National Community Food Trust Fund and inaugurated the Board of Trustees in Abuja on 2 April 2026. On 27 April, we conducted the first launch in Borno State for the North-East Zone, and today, by the grace of God, we are launching the second National Community Food Bank here in Jigawa State for the North-West Zone.”
Commending the swift implementation in Borno, she observed that the programme has already enrolled 560 beneficiaries and reached 468 vulnerable children, pregnant women, and lactating mothers in less than two months. “This impressive achievement gives me confidence that Jigawa State will set even higher standards for others to follow,” she declared.
The First Lady emphasised that Jigawa’s agrarian potential makes it a strategic choice for the North-West launch and called for “sustained collaboration to build a transparent, accountable, and efficient food bank system that reaches vulnerable households across Nigeria.”
Earlier in his remarks, the Jigawa State Governor, Mallam Umar A. Namadi, expressed deep appreciation to Senator Oluremi Tinubu and all distinguished guests, noting that their presence in the state for the North-West launch of the National Community Food Bank Programme was “a strong demonstration of solidarity with families who need support and a reaffirmation of our shared duty to protect the vulnerable segment of our population.”
He emphasised that the event served as a reminder of the duty at the heart of public service — ensuring that every child’s health, survival, and development are safeguarded.
Governor Namadi described the initiative as “a timely intervention that will not only bring food resources closer to the people who need them most but will also contribute to better nutrition indices among our children.”
He acknowledged the vision and compassion of the First Lady, stressing that the food bank programme addresses both immediate needs and the long-term well-being of children.
He added that the programme provides a platform for nutrition and support to vulnerable households through partnerships with community leaders, farmers, civil society organisations, and the private sector.
Linking the initiative to constitutional responsibility, the Governor cited Section 16, Subsection 2 of Nigeria’s Constitution, which mandates the government to provide “suitable and adequate food for all citizens.”
He commended President Bola Ahmed Tinubu for fulfilling this responsibility through national food security and food bank programmes.
He further explained that Jigawa State had already established strong policy foundations through its State Food and Nutrition Policy and State Social Protection Policy, which support targeted nutrition assistance for mothers and children.
According to him, the food bank initiative “strongly complements our existing commitments, serving as an effective mechanism for delivering direct benefits to vulnerable families.”
Highlighting progress already made, Governor Namadi pointed to Jigawa’s homegrown nutrition programme implemented across 300 communities, which screened over 240,000 children in 2024 and 382,000 in 2025.
He noted that the programme successfully transformed thousands of children from moderate acute malnutrition to healthy status, while 600 women were trained to produce locally made nutritious formulas such as Tom Brown.
He assured that North-West governors would give the food bank programme the support it deserves, pledging to provide storage and distribution facilities, strengthen food centres, and ensure transparency and accountability in reaching vulnerable households. “A nutritious meal for a pregnant woman can safeguard two lives, and nutritious food for a child can support learning and growth,” he said, calling for diligence and compassion from all stakeholders to ensure lasting impact.
The newly commissioned projects in Hadejia, especially the President Bola Ahmed Academy and the Senator Oluremi Tinubu Clinic represent a deliberate effort to integrate advanced technological innovation with critical healthcare delivery. The Academy is structured as a sustainability-oriented institution, designed to transform technical knowledge into practical community solutions.
Its infrastructure includes a fabrication laboratory and maker space for prototyping health wearables and prosthetics, an innovation lab with AI-driven tutoring, and a pitch space for start-ups and research ideas. Complementary spaces such as the atrium, auditorium, and residential hostel ensure that the academy functions not only as a training ground but also as a hub for collaboration, digital upskilling, and community engagement.
The clinic serves as the healthcare counterpart to the academy’s innovation ecosystem. It houses a dedicated dialysis centre to address the region’s burden of chronic kidney disease, alongside a fully equipped operating theatre and maternity rooms for safe maternal care. Every ward is integrated with continuous piped oxygen, ensuring readiness for respiratory emergencies, while the facility’s reliance on renewable energy systems guarantees uninterrupted power for critical medical equipment.
This design reflects a strong emphasis on resilience, sustainability, and accessibility, bringing life-saving services closer to underserved communities.
Together, the academy and clinic form a symbiotic model in which education and healthcare reinforce each other. The academy’s fabrication laboratory is expected to provide diagnostic tools and organ prototypes, while the clinic applies these innovations in real-world patient care.
This collaboration offers a pathway for early detection and prevention of chronic illnesses, particularly kidney disease, while also strengthening Nigeria’s broader health technology ecosystem.
The integration of infrastructure, innovation, and medical service delivery positions Hadejia as a potential model for how technology and healthcare can be combined to address pressing community needs.
It may be recalled that last week, the President launched the establishment of the National Health Technology and Data Analytics Office, a move expected to strengthen Nigeria’s capacity for medical research, data-driven healthcare delivery, and the integration of technology into public health systems.
The event was attended by all seven governors from the North-West geopolitical zone and their spouses; the Minister of State for the Federal Capital Territory (FCT), Hajiya Mariya Mahmoud Bunkure; the Minister of State for Education, Professor Suwaiba Sa’id Ahmad; and the Director-General of the National Primary Health Care Development Agency (NPHCDA), Dr Muyi Aina, who represented the Coordinating Minister of Health and Social Welfare, Professor Muhammad Ali Pate.
Also present were the NITDA Director-General Kashifu as well as other government functionaries and traditional rulers.
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