E-Business
Prepare Your e-Commerce Site for Christmas Shopping Rush

The Christmas shopping rush is soon upon us and the only thing we can be certain of, is that online shopping of gifts will continue to increase.
But also that many e-customers will be disappointed with their online shopping experiences.
“Response time is money”, claims Sven Hammar, CEO of Apica, a company offering solutions for testing, monitoring, and optimizing the performance of cloud and mobile applications like e-commerce platforms.
Here are Mr. Hammar’s top ten advise for e-commerce success this Christmas:
1. Time is money
Even during periods with high traffic, the response time (i.e. the time it takes for a web page to fully load) should not exceed three seconds. E-shoppers are not the most patient bunch.
If the site is slow, the customer will look for the desired product somewehere else: your competitors.
A slow response means losing conversions, revenues and Google rankings. Analyze how your e-commerce platform performs compared to the competitors: is it faster or slower? How much money are you losing due to long response times and a corresponding weak conversion rate?
2. Optimize images and videos
High-resolution images and videos might make you think that your web site is modern and edgy… but they increase response times.
So put vanity aside and reduce the amount of high-resolution images and videos on your site – for the sake of revenues.
If you still want the bulky images, then be sure and invest in systems that can handle short response times despite a high-resolution content.
Use a CDN/accelerator service to speed up the delivery of rich content such as images and videos to customers.
3. Load test your site
Perform load tests to verify the site’s performance during various load levels. Measure performance during normal variations in traffic.
Test the site frequently before, during and after peak season to ensure the availability of reliable information about the site’s normal performance.
Testing companies like my own (Apica) can load test web or mobile applications, simulate peak loads, and validate non-functional demands, such as maximum three second response time for 90 per cent of the users during peak load (10,000 users per minute).
4. Damage control: test your peak load
Without tests it is almost impossible to foresee what will happen at peak loads, e.g. Christmas commerce.
Components that function flawlessly at regular loads may all of a sudden become bottlenecks. A ”damage control” is a test that shows what it takes for the site to crash and how the course of events looks like.
A damage control ensures that the web site comes up and running again – even at full load.
A specialized supplier of testing services can give you advice on how to avoid getting stuck with sites that slow down or crash even if the traffic increases drastically.
5. Cache static content
Cache as much static content as possible in the browser. If the page content does not change, customers will not have to download it again from the network the next time they hit the page.
This is a cost-effective way to speed up web traffic and gain performance improvements.
6. Use queuing techniques
Queuing techniques are commonplace in service industries like retail. And it can be used to manage customers in virtual stores as well.
Only allow as many customers into your web store that it can safely accommodate (i.e. that it is tested for) and block all traffic above this volume. It not, all users will get poor response times and the site might cease to function for all users.
It is better to serve the customers who are already in the virtual store and let the others receive a polite error message or wait a little longer.
7. Be careful with third party content
Sure, it is nice to be able to link Facebook, Twitter and Youtube. Many e-traders do it and see it as something completely natural.
But third party material is seldom optimized. You lose control over part of your web site and take the risk of slowing it down.
8. Campaign sites
Create separate and simpler web sites that load quicker for temporary campaigns, events and product launches.
9. Balance the loads
Check that the load sharing is working properly. Load sharing distributes loads from different users onto underlying systems in an even way.
However, sometimes there might be erros due to reconfigurations et al.
Therefore one must verify that the load sharing really functions properly and that the underlying servers receive an even load.
10. Use KPI to manage conversion
Finally: use existing analytical tools to identify which business processes your customers carry out on your web site, and optimize them for the best possible performance.
With tools like Google Analytics it is possible to see where the visitors start and which routes they take on your web site.
You can also see when the conversion rate is affected by slow response times. Back to my first advise: time is money and speed is always good – use KPI to manage your efforts for improved conversion and higher revenues.
by Sven Hammar, CEO, Apica
Sven Hammar is co-founder and CEO of Apica, a provider of powerful, best-in-class technology for testing, monitoring, and optimizing the performance of cloud and mobile applications.
Mr. Hammar he has decade-long experience and expertise in web performance and web optimization, e-commerce, cloud services, IT entrepreneurship and the Internet.
He is also a serial entrepreneur who has founded several successful IT companies over the years. See http://www.apicasystem.com/.
E-Business
Interswitch Partners Abia to Digitise Public Hospitals

Interswitch, a technology company, through its health-tech subsidiary, Interswitch eClat, has taken a major step in advancing Nigeria’s public-sector health digitisation agenda following the conclusion of a high-level stakeholders’ engagement with the Abia State Government.

The engagement took place ahead of the phased deployment of eClinic, Interswitch eClat’s Electronic Medical Records platform, across public health facilities in the state, the firm stated in a statement on Friday.
The engagement, convened by the Abia State Ministry of Health in collaboration with Interswitch and held at the State’s Ministry of Health in Umuahia, brought together senior government officials, health administrators, Interswitch representatives, and key ecosystem stakeholders to align on the scope, implementation framework, and expected outcomes of the proposed eClinic deployment.
The initiative reflects a shared commitment to leveraging digital infrastructure to improve healthcare delivery, operational efficiency, and patient outcomes across Abia State’s public health system.
Discussions focused on deploying Interswitch’s eClinic solution in alignment with Abia State’s broader healthcare reform agenda under the current administration, particularly the transition from fragmented, paper-based systems to secure, interoperable digital platforms across public health facilities.
The proposed kick-off phase will span six public health facilities, including three primary healthcare centres, two secondary facilities, and one tertiary hospital, creating an end-to-end digital care pathway that strengthens patient referrals, supports continuity of care, and enables data-driven decision-making across all levels of service delivery.
The EMR solution is built to reduce patient waiting times, strengthen referral processes, and ensure the secure handling of both clinical and administrative data, supported by a hybrid infrastructure that enables local hosting with cloud-based backup.
Speaking at the engagement, Prof Enoch Uche, the Commissioner for Health, Abia State, described the initiative as a major milestone in the state’s healthcare transformation journey and highlighted the importance of private-sector collaboration in achieving sustainable impact.
“The Ministry of Health in Abia State is excited about the digitisation of health facilities, starting with Interswitch’s eClinic pilot phase involving three primary, two secondary, and one tertiary health centre. This initiative will enhance efficiency, accountability, and patient care by linking records across different levels of care.
“Global evidence shows that digital health improves access, reduces the cost of care, and maximises human resources while personalising services for our people. This partnership with Interswitch represents a key deliverable for this administration and aligns with the Governor’s vision for a modern, technology-driven health system,” he said.
During technical sessions led by Babatunde Fadeyi, Vice President, Health Ecosystem (Public Sector), Interswitch, stakeholders were taken through the core capabilities of Interswitch’s eClinic platform.
These include secure patient record management, ICD-11–compliant diagnosis coding, controlled data update protocols, and integrated billing and reporting tools designed to improve efficiency and accountability across health facilities.
Stakeholders were also briefed on the platform’s governance framework, risk mitigation approach, and phased implementation roadmap. Commenting on the engagement, Fadeyi reaffirmed Interswitch’s commitment to delivering measurable impact through technology-enabled healthcare systems.
“Abia State has demonstrated a strong commitment to innovation and system reform. The alignment of the state’s healthcare priorities with national health digitisation objectives creates a solid foundation for meaningful progress. Interswitch’s eClinic platform is designed to improve hospital operations by automating workflows, securing patient data, and providing healthcare managers with reliable insights to guide decisions.
“Beyond improving patient experience, it supports stronger revenue tracking, operational efficiency, and accountability. Our focus is to ensure the success of this pilot phase and deliver tangible improvements across productivity, service delivery, and patient satisfaction,” he said.
Also speaking at the engagement, Dr Ifeyinwa Blossom Uma-Kalu, the Permanent Secretary of the Ministry of Health, Abia State, highlighted the operational and clinical value of Interswitch’s eClinic initiative, particularly in strengthening referrals, improving revenue management, and expanding access to specialist care.
“This digitisation initiative will help us track our finances and internally generated revenue more accurately while reducing leakages. More importantly, it strengthens our referral system by allowing patient records to move seamlessly from primary to secondary and tertiary care.
“With a digital framework, healthcare workers in remote communities can access specialist support through telemedicine, helping to save lives and improve outcomes. This is a critical tool in our efforts to reduce maternal and infant mortality, and we are eager to see the outcomes of Interswitch’s eClinic,” she noted.
The engagement also addressed key success factors for the project, including power stability, user training, change management, and inter-agency collaboration, with both parties emphasising sustainability and scalability as the project progresses.
E-Business
NITDA DG Reaffirms FG Commitment to Responsible and Inclusive AI

The Federal Government of Nigeria has reaffirmed its commitment to building a responsible, inclusive, and sovereign artificial intelligence ecosystem to enable Nigeria to transition from being a passive consumer of AI technologies to an architect and builder of indigenous AI systems.

This was said by the Director General of the National Information Technology Development Agency (NITDA), Kashifu Inuwa Abdullahi CCIE, while delivering a virtual address at the InnovateAI Conference held in Lagos.
The conference brought together policymakers, technology leaders, innovators, and stakeholders to discuss the future of artificial intelligence and its role in driving Nigeria’s digital economy and national development agenda.
Inuwa outlined Nigeria’s ambition to transition from being a consumer of artificial intelligence technologies to becoming a builder and owner of AI systems that reflect national values and priorities, in line with the National AI Strategy.
“Our goal is not just to use AI, but to architect and build our own AI systems in Nigeria,” he said, stressing that the country must take ownership of its AI future.
He noted that Nigeria’s approach to artificial intelligence extends beyond innovation to include governance, infrastructure, data sovereignty, and policy evolution.
According to him, “Responsible AI is never a finished job; it is an iterative journey. Our policies must evolve as the technology evolves, and we must avoid frozen laws by adopting living policies that adapt over time.”
He cited the implementation of the Digital Economy and E-Governance Bill as a key mechanism for generating insights that will help refine AI regulations and governance frameworks.
Inuwa also highlighted the challenge of data representation in global AI systems, noting that most models are trained on non-African datasets, which often results in bias against local dialects, cultures, and demographics.
“If a model shows bias against a local dialect or demographic, we cannot just patch it. We must reinvest in infrastructure to retrain it with inclusive and representative local datasets,” he stated.
He added that building national AI infrastructure is critical to achieving data sovereignty and ensuring that Nigeria is not merely an end user of foreign AI systems.
He further called for strategic partnerships with global technology companies and hyperscalers to build AI infrastructure in Nigeria while aligning with local values and national priorities.
“The world today is a global village. We need to work with global players, but they must understand our local nuances and help us build the infrastructure to retrain and develop AI models that reflect our context,” he said.
The NITDA Director General explained that adopting a comprehensive AI lifecycle approach, from responsible data collection and governance to deployment and continuous feedback, will enable Nigeria to move from reacting to AI developments to proactively designing indigenous AI systems.
“Without understanding how AI models are trained, how decisions are made, and how models are retrained, it will be difficult to build a responsible and trustworthy AI system,” he warned.
He reaffirmed that the Federal Government is intentional about promoting responsible AI and is working closely with the technology ecosystem to co-design national AI guardrails. He described platforms such as the InnovateAI Conference and other national AI dialogues as critical to shaping Nigeria’s AI future.
E-Business
Mutual Benefits Assurance Settles ₦5.9bn Claims in January 2026

Mutual Benefits Assurance, a leading Nigerian insurance company, has paid a total of ₦5,937,665,353.57 in claims to policyholders in January 2026 alone, underlining its strong financial capacity and unwavering commitment to prompt claims settlement.

Mutual Benefits Assurance
A breakdown of the figures shows that ₦3,426,602,834.28 was paid under its General (Non-Life) Insurance portfolio, while ₦2,511,062,519.29 was paid across its Life businesses, including Group Life and Retail Life policies.
The significant payout within a single month reinforces Mutual Benefits’ reputation as a dependable insurer that honors its obligations swiftly and responsibly.
Commenting on the development, Olufemi Asenuga, Managing Director, Mutual Benefits Assurance Plc stated that claims settlement remains the core promise of insurance and the ultimate test of an insurer’s credibility.
“Insurance is built on trust. Our ability to settle over ₦5.9 billion in claims in one month demonstrates not only our financial strength, but also our deep commitment to our policyholders. At Mutual Benefits, we do not just sell policies. We stand by our promises,” he said.
With over three decades of operations, Mutual Benefits has consistently positioned itself as a strong and well-capitalised insurer.
The company operates both Life and General Insurance businesses and remains fully compliant with regulatory capital requirements as stipulated by the National Insurance Commission (NAICOM).
The January payout reflects Mutual Benefit’s robust underwriting standards, prudent risk management practices and efficient claims administration framework.
It also aligns with the company’s broader record of substantial claims settlement in recent years, reinforcing its standing as a trusted brand in the Nigerian insurance industry.
Mutual Benefits employs over 5,000 staff, managed by seasoned management team and an experienced Board of Directors. Industry observers note that prompt claims payment remains one of the most critical differentiators in Nigeria’s competitive insurance landscape.
By consistently settling valid claims without delay, Mutual Benefits continues to strengthen customer confidence, deepen market trust and expand its footprint across retail and corporate segments.
As the company begins 2026 on a strong footing, it reiterates its commitment to innovation, service excellence and delivering value to policyholders and stakeholders alike. Mutual Benefits Assurance focused on its mission to provide reliable risk protection solutions while maintaining the highest standards of professionalism and integrity.
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