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Operators Should be Transparent on Call Charges — Nwokike

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Prof. Ita Okon Bassey Ewa, former, Minister of Science and Technology ministr
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Nnamdi Nwokike is executive secretary, West Africa Telecommunication Regulators Assembly (Watra), an assembly of the sub–regional regulators.
A multi-tasker and a start up expert, he has varied experiences traversing economic consultancies, marketing and customer relationship management and has worked in various capacities in various places including Multiver Systems Limited, the consulting outfit that worked on the setting up of the National Planning Commission.
Nwokike made significant contribution in the fast moving consumer group industry (FMCG) while working with AG Leventis Group and Seven Up Bottling Co PLC.
Between 1987 and 2001, Nwokike worked with Nigerian Breweries Plc, first as a district sales manger, then, appointed pioneer customer service training manager in 1994.
In 1996 promoted to area sales manger Lagos, supervising a turnover of over N4billion which represented the highest contribution to the company’s performance.
He joined Nigeria Communication Commission (NCC) as a unit head officer, Consumer Affairs Bureau in 2001 and created consumer education and protection that culminated in the setting up of Telecoms Consumer Parliament in Nigeria.
With over 15 years experience in the industry, he became the head of business development in 2005, where he managed the implementation of various telecommunication projects including Nettel @ Africa, spectrum monitoring and management system.
He told Chris Alu in Abuja of efforts of the assembly in harmonizing policies in the sub-region

Watra in the Sub-Region
Watra), is an assembly of the sub–regional regulators, I mean all the ICT regulators in West Africa are members of the assembly. They came together in 2002 to form the assembly as a regional regulatory platform, where regulators can meet and discuss issues bordering on harmonization of policies. We also work towards harmonizing regulatory policies and services such as issues of roaming, seamless connectivity within the West African sub- region as well as working as at sub-regional level towards having effective and affordable ICT services.
Cross Border Connectivity
It is worthwhile calling to have cross border connectivity. I must say that the West African sub-region is not as big as United State of America including Canada in North America, if you are calling anywhere in Florida from Canada, its like a trunk call. Having such is our desire.  It is our desire is to have fibre running from Nigeria all the way to Senegal down to Mauritania, so that we can have similar activities, it is a double opportunity and as I speak, there is connectivity from Nigeria running all the way to Ghana and there are different initiatives. We have several initiatives, there is one by Ecowas in the sub-region and there are other private initiatives being undertaken, so it is a laudable project even Nigerian regulator, Nigerian Communications Commission (NCC) is also advocating for fibre across borders so that we can have a borderless ICT environment.
Consumer Advocacy
Well, to start with in my personal capacity, I started working in telecommunication through management of consumer affairs of the regulator in Nigeria. So, I have that passion, there is this in-depth passion for me to ensure that consumer has a voice in the skim of things. Having said that, I know that there is an advocacy group that is based in Cotonou, the Open Society Initiative in West Africa (Osiwa) that is trying to coordinate all the consumer activity groups within the Africa region so that they can come together and address consumer issues. I must say that it has not really been as robust as it ought to be, one of the problems or challenges they face in consumer advocacy is the issue of funding, most of these groups do not have direct funding to be able to galvanize and harness all the opportunities, but they are doing their best. We haven’t really been able to see them come up with platform where consumer interest would become a key issue within the sub region but individually, all the regulators within the sub-region have one form of consumer advocacy programme or the other, of course  you know that Nigeria have a very robust one. We have facilitated such in some countries like Gambia, Sierra Leone and Cote’d Voire to come and learn the Nigerian experience, and they are trying to replicate it which is a good development.
Regulatory Standard in West Africa
The regulatory environment in Nigeria is bright; Nigeria regulator is the foremost regulator in Africa not just in West Africa. Nigeria regulator has done well, within the last 10 years, they have set a pace in a way that if you compare the Nigeria regulator with European or American regulators, it would be at par. NCC is almost ahead of many regulators in the world, and we have also a very good regulatory environment in the sub- region, one thing we are very happy about is that all the fifteen countries in the sub- region today have independent regulators agency. The last to come up was Guinea and Benin Republic, we are very happy about that, therefore it is going to make a more pro active regulatory environment in this sub- region and Watra is very happy about it. Having said that, there are other challenges facing all the regulators, one key issues  is the issues of quality of services, we haven’t been really able to achieve quality of service to the point that consumer can go to sleep and boast of getting value for  their money. We are  not really happy about it and its something that we are battling with, and we are hopping that, with all the infrastructural challenges, if we are able to over come that, we will beat our chest to have a very good ICT environment comparable to anywhere in the world.
Low Broadband Penetration
Yes, internet penetration is low in the whole of the African continent and even more pathetic for us in West Africa. One reason why internet penetration is low is basically because of the high cost of bandwidth, and that has been a very big problem, but we are seeing some light in the horizon.  I predict that in the next 18 months, West Africa is going to see a revolution in internet access and penetration, in the sense that there are several initiative been put by operators to ensure that we have internet connectivity that would be seamless and affordable. Initiatives such as on the sub marine level, MainOne cable, Glo1cable, WACS, are on ground right now and as soon as they take off, we would have cheaper access towards getting enough and cheaper bandwidth, because bandwidth is like petrol for internet, if the bandwidth is affordable then internet penetration will be increased as well as telephony.  Nigeria has implemented a technological neutral regulation that has resulted in huge growth of GSM and CDMA based services and made diverse services available, with operators providing services from different points thereby providing choices for Nigeria consumer and wireless services delivery. Not only in mobile sector, but also in fixed wireless space. 
NCC is making effort to improve on connectivity through programmes such as the Wire Nigeria Initiative, to ensure that the country is fully connected with optics fiber cable an initiative said to have become very successful and the operators have made substantial inroad progress in connecting several cities across the country with fiber cable facilities.
Nigeria is shifting regulatory emphasis from licensing of operators to monitoring and improving quality of services and also attending to the needs of the consumers on issues of quality of services, affordability and other necessities that will become the focus of regulation in line with the dynamics of the market. We are also trying to refocus on this, in terms of structural repositioning of the regulators to delivers a good result within the ambit of time. 
Current Undersea Cable Initiatives
The issued of Infrastructure and services are different and in terms of infrastructure, I am happy with the initiatives of Glo 1 and MainOne. If these projects become live then it would facilitate a lot of services in the sub-region such that internet and telephony services will be affordable and of good quality. I wish that they move faster in their operation because the market is there, people have identified that the west African sub region is a  buoyant place that has the market for such business. I want to use this opportunity to emphasis that roaming services is a lucrative business, it is not a P.R. service to consumers, when you roam it would increase the number of sub-services that would go on to your network.
Zain came up with one network but I still have issues on how the network work, because the charges are not clearly transparent as they should be, MTN also has there regional collective network, which they are working on, Orange is another group that is also doing something about that. But it is something that they must do transparently, for instance, if I am using a Zain network and I move from here to Ghana, the charges are different and not really commensurable in the advertisement that we see they carry out. I expect them to come out transparently, so that consumers would know exactly how the one network works and believe in it, so that it would have the kind of integrity desirous of such level of services.
The business of telecom in Cape Verde a small country is worthy of emulation, they have invested a lot in infrastructure. It is one country with seamless network, there infrastructure is quite robust, but beside that every other country has there own challenges, the issue of quality services is general.
Challenges Facing Watra
For us in Watra, we don’t have all the enablement to pursue our objective, one of our key objectives is harmonization, another one is capacity building, these issues are things that borders on funding. Watra is not funded the way it should be, that would give us the edge to propagate and promote all our activities, but we are working toward that and we are working on several collaborations. A Memorandum of Understanding is set to be signed between Watra and Ecowas, the MoU would involve some level of funding and partnership between the two agencies. We are also collaborating with the German technical corporation, USAid, and these are our international partners, who are assisting us in one way or the other to help us promote the projects that we have in Watra. But, by and large we are forging ahead and the feature is quite bright for the assembly.

 


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Fidelity Bank to Host Virtual Masterclass on New Tax Law

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Fidelity Bank Plc, a leading financial institution, will host a free virtual training on the Nigeria Tax Act 2025 (NTA) as part of its commitment to helping small businesses prepare for the upcoming legislation.

Fidelity Bank to Host Virtual Masterclass on New Tax Law

Fidelity Bank

The masterclass is scheduled for 10:00 AM (Nigerian time) on Friday, 12 December 2025. It will provide participants with clear insights into changes in the tax framework, the impact on income and business operations, and practical steps to avoid penalties in 2026.

Attendees will also learn strategies to stay ahead in an evolving regulatory environment.

The Nigerian government enacted major tax reforms on 26 June 2025 when President Bola Ahmed Tinubu signed four tax bills into law.

These Acts will take effect on 1 January 2026 and represent a significant overhaul of the country’s tax system.

The reforms aim to modernize and harmonize Nigeria’s tax framework, improve revenue generation, broaden the tax base, and create clearer rules for individuals, businesses, and government agencies.

“Our decision to host this masterclass reflects our commitment to empowering businesses with the right information ahead of the commencement of the new tax regime.

“Information is money and a well-informed business owner is already steps ahead in the race to success.

“This is why we are bringing experts to provide accurate details and demystify the tax act,” said Osita Ede, Divisional Head, Product Development, Fidelity Bank Plc.

Interested participants can register via https://bit.ly/2026TaxLawMasterclass .


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PalmPay MD Seeks Deeper Financial Inclusion @ CeBIH Annual Conference 2025

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L-r: Chika Reginald Nwosu, Managing Director, PalmPay; Tunde Ogundipe, Co-Founder & Chief Executive Officer, E-Doc Online; Emezino Afigbe, Head, Gender Center for Excellence, Enhancing Financial Innovation and Access (EFInA); Ronke Kuye, CeBIH Advisory Council; Dr. Badamasi Lawal, CEO National Social Investment Program; Uche Uzoebo, Chief Executive Officer, Shared Agent Network Expansion Facilities (SANEF); Dominic Wadongo, Chief Risk Officer, SmartCash Payment Service Bank, Nigeria, at the CeBIH Annual Conference recently.
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PalmPay, Nigeria’s leading digital banking platform, has renewed its commitment to deepening financial inclusion across the country. At the CeBIH Annual Conference 2025, themed “Reimagining Financial Inclusion through Cultural Shifts in Consumer Credit,” PalmPay’s Managing Director, Chika Nwosu, urged industry players to deepen financial inclusion by embracing community-aligned solutions and customer-centric innovations that can better serve Nigeria’s underserved and unbanked populations.

Speaking during a panel session titled “Social Inclusion, A Veritable Tool for Financial Inclusion,” Chika Nwosu joined other industry leaders to share insights on strengthening participation among women, rural dwellers, low-income earners, and other financially excluded groups.

Chika Nwosu highlighted PalmPay’s commitment to inclusive finance through its 500,000-strong agent network, which enables seamless cash-in/cash-out services for unbanked users across Nigeria. He also emphasised the importance of PalmPay’s USSD platform, 861#, which allows users with basic phones or limited internet access to perform essential financial transactions.

“Financial inclusion goes beyond access; it must be equitable and tailored to real-life needs,” Chika Nwosu said. He shared how PalmPay leverages behavioural insights to design impactful services, including affordable health insurance, reliable bill payments, merchant solutions, and automated savings features that support financial discipline among users.

The session further examined the role of grassroots agents and community touchpoints in driving last-mile adoption. Chika Nwosu noted that PalmPay’s widespread community presence continues to build trust and encourage excluded populations to embrace digital financial tools.

The session was moderated by Ronke Kuye of the CeBIH Advisory Council and featured representatives from E-Doc Online, SmartCash Payment Service Bank, SANEF, and EFINA.

PalmPay reaffirmed its commitment to driving accessible, secure, and inclusive financial services for all Nigerians. PalmPay is a leading digital banking platform driving financial inclusion and economic empowerment in underserved emerging markets. Through its secure, user-friendly, and inclusive suite of financial services, PalmPay empowers individuals and businesses with tools to manage and grow their money.

PalmPay offers a comprehensive range of products, including mobile payments, savings, and micro-insurance via its app and mobile money agent network.

Since launching in Nigeria in 2019 under a Mobile Money Operator license, the platform has grown to over 35 million app users. PalmPay has operations in Nigeria, Ghana, Tanzania, and Bangladesh.


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AI-Powered Fraud Drives Global Race for Deepfake Defenses

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Reality Defender and 1Kosmos have announced a strategic partnership that will see the deepfake detection firm integrate its real-time deepfake defenses into 1Kosmos’ blockchain-based biometric authentication platform.

AI-Powered Fraud Drives Global Race for Deepfake Defenses

Deepfake

A release says the integration enhances the platform’s existing PAD capabilities with new signals on both live and pre-recorded AI-generated image and video impersonations: “multimodal deepfake detection” that “enhances ISO/IEC 30107-3 PAD Level 2 performance to counter the growing share of synthetic-media attacks.”

“Deepfake attacks are evolving faster than most organizations can adapt, and detecting them requires specialized, continuously updated models,” says Ben Colman, CEO of Reality Defender. Reality Defender’s models keep pace with regulatory changes like the EU AI Act and upcoming ISO 25456 standards, to ensure seamless compliance.

“Advances in AI-generated impersonations are rewriting the rules of identity assurance and ratcheting up fraud losses,” says Mike Engle, chief strategy officer for 1Kosmos. “By adding Reality Defender as an embedded detection layer, we’re enabling enterprises to verify identity with greater certainty and stop AI-driven impersonation attacks before they result in financial loss, brand damage, or regulatory consequences.”

The product deploys without friction, integrating natively into existing 1Kosmos workflows, identity stacks, and user experiences with no new licenses, retraining or rearchitecture.

Resemble AI heads straight to market with new funding
Resemble AI has raised 13 million dollars in strategic funding to accelerate development on its voice generation and deepfake detection products. An announcement says the investment round includes Google’s AI Future Fund, Okta Ventures, Taiwania Capital, Gentree Fund, IAG Capital Partners, Berkeley Frontier Fund and KDDI – partnerships, the firm says, that “create immediate paths to market distribution and embed our technology within key identity and security ecosystems.”

The company says its deepfake detection model achieves 98 percent accuracy across more than 40 languages with multimodal threat detection across audio, video, images and text, and enhanced explainability for content analysis. It intends to use the investment to “fuel our global expansion and accelerate the development of our AI detection platform.”

FARx releases new multimodal deepfake detection tool
FARx, which bills itself as “the world’s only fused-biometrics company,” has announced the launch of FARx 2.0, its new generation of biometric software which fuses speaker, speech and face recognition for added capabilities in synthetic and cloned voice detection. The software can be integrated into browsers, apps and communication systems, and operates in the background to provide continuous multi-factor authentication without disruption.

A post on the firm’s LinkedIn page says FARx 2.0 “identifies not just what is being said but who is speaking, enabling it to detect and block attempts to spoof someone’s identity using synthetic voices, deepfakes, or cloned audio and video.” Trained on some 55,000 synthetic voices from real telephony environments, it can “reliably distinguish between real and AI-generated voices.”

The Malvern Gazette quotes Clive Summerfield, CEO of the Worcestershire, UK-based firm, who says the new product aims to deliver “an even more sophisticated, flexible biometric multi-factor authentication technology to users across a broad range of industries and applications.”

“Legacy voice biometrics and traditional MFA systems are simply no longer enough to outsmart the new era of AI-powered threats.”

The launch follows a recent investment of 250,000 pounds (about US$337,00) through the Seed Enterprise Investment Scheme (SEIS).

Grant funds deepfake tool tailored to South Korea, Singapore
A team from Singapore Management University (SMU) has won a grant to develop a deepfake detection tool. A release says the project will be “the first multilingual deepfake data set that includes dialectal variants such as Singlish and Korean dialects.”

“Many existing tools don’t perform well on Asian languages, accents, or content,” says Professor He Shengfeng, who leads the team. “We’re focused on building something that fits the specific needs of our region.”

Understanding different linguistic, socio-cultural and environmental characteristics was a key requirement for the grant, which comes from AI Singapore (AISG) and South Korea’s Institute for Information & Communication Technology Planning & Evaluation (IITP).

The team has dubbed its tool DeepShield, which its proposal paper calls “the first unified interpretable detection system capable of handling diverse and multi-modal manipulations – including object insertions, lighting alterations, background swaps, and voice dubbing – within a single, explainable pipeline.”

Overall, DeepShield wants to position itself as “not merely a detection tool, but a next-generation AI governance layer for digital media integrity – setting it apart from commercial offerings in both ambition and design.” The ultimate goal is a spin-off startup that He imagines licensing services such as deepfake forensics, media authenticity verification, enterprise compliance and digital governance to public and private enterprise.

Work commences in January 2026 with the scouring of large-scale, publicly available datasets such as the YouTube8M dataset.

Ant International’s winning deepfake detector looks to eliminate bias
Ant International has won first place at the NeurIPS Competition of Fairness in AI Face Detection. A release from the company says its entry trumped over 2,100 submissions from 162 teams globally.

The deepfake detection contest challenged participants to develop AI models that “not only achieve high-utility performance but also demonstrate fairness across demographic subgroups such as gender, age, and skin tone.”

“A biased AI is an insecure AI,” says Dr. Tianyi Zhang, general manager of risk management and cybersecurity at Ant International. “Our model’s fairness prevents exploitation from deepfakes and ensures reliable identity verification for all users, supporting our mission to deliver secure and inclusive financial services worldwide.”


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