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Mobile Payment is Ubiquitous – Madubuike
Emeka Madubuike, is the managing director of Systemtech Group, a comprehensive Information and Communications Technology (ICT) Company licensed by the Nigerian Communications Commission (NCC). Madubuike with over 25 years of computing experience studied Computer Science at the University of Nigeria Nsukka before moving on to Temples University in Philadelphia for advanced studies. A rounded ICT professional, Madubuike is a member of various professional associations. He spoke on the company’s mobile payment services and other industry issues in this interview with funmi ilesanmi.
Patronage of indigenous Software
Our people feel that applications designed and developed in Nigeria are inferior and so often they prefer when you say it is from India, USA or the UK. That is the challenge we are facing. However, that has not deterred us from saying this is our software. We compete very well both on the local and international platforms. Telcos we do applications for know that it is the same application that is developed in the US that we also do. Applications like interactive voice response (IVR), CVR connection systems, SMS platforms, billing systems that we design and develop here can compete with anyone anywhere else in the world. However, often we do not sell as much as the ones produced abroad because there is a general apathy for applications designed and produced in Nigeria. We are not operating in a different environment, it is exactly the same thing. We are faced by with the same challenges. Again, because we emphasize on service, we tend to use that edge to serve. The competition is there, people who deal on applications that are designed abroad try to use that as an edge but we do not mind. We are stuck with what we have, we insist on good quality, we ask customers to give it a try and when they do that, they have reasons to come back to us. Our competitive edge is quality of service both thereafter, that is what has sustained us.
Grey Market
We try to drum it to the ears of our customers that what is key is buying from a channel. We are channel people, we are a gold partner and not just a gold partner, we are thirdly the best IT solution partner in terms of IT partnership in Nigeria on PSG. We have won several awards, so people know that when they buy from us, they are buying original products. Even our shop in Ikeja is a HP shop, which is why we want people to patronize the shop.
Systemtech Mobile Money
This unit company is involved in providing mobile application and ubiquitous computing solution. The flagship of this unit company is mobile money, a mobile payment money transfer solution for banks and financial institutions. Where we are now is the licensing stage. Once companies have the license, we will play with them to set up mobile payment platforms. It requires the ability of at least four companies in four different aspects- the application platform which is what we have; the switching platform, which is what will be used to move money from one bank to the other. It also includes the network operating environment, which include all network operators and then the banking license. It is a combination of several aspects. We have positioned ourselves in such a way that we can play with anyone who has a banking license. Our systems have been tested with switches that are available in Nigeria and outside Nigeria. We as technology providers can run on both CDMA and GSM platforms. The banks are connected to switches so we are going to collaborate with them but there are people abroad who also want us to use their switching platforms. There is the national switch system we have now and two other companies involved in the switch. The truth is that the CBN and Nigerian regulations might want to localize this since money is involved.
Benefits of Mobile Payments
It is enormous, you know ICT is what is used in technical jobs. With reference to mobile payment, it is going to make things a lot easier. You do not need to go anywhere to do your business, you do not need to be computer savvy to do your business, you do not have to go to your bank to credit your ATM or credit cards. What it means is that when you have an account in a bank, you can send emails or use your phone to move money to another bank even at the comfort of your home. The time it will take you to travel from one location to the other is saved so you can make good use of your time. Everybody uses phones, sends SMS and besides you know it is not just SMS but the numeric aspect where you press1,2,3 followed by the options. At the end of the day, this is going to make life a lot easier and charges for service will drop drastically. We are not going to move money around anymore because it costs money to print cheque leaves and all that. You can simply send an SMS or use the USSD function on your phone. For me, it will in no small measure reduce the time we waste in checking up mails, the time and resources we waste in the bank and even infrastructure. Also, there will be limited error because once we set up the technology, it does what it is supposed to do. There will also be limited human interference. People living in remote locations will be able to transact business because mobile payment has manifold visibility status than the banking system right now. Apart from that, people are able to publicize their products on the platforms as it is done in banking. Mobile payment systems will improve the socio-economy of Nigeria and this is a case in point and we expect that it will even be better than this because other countries started it much earlier, so this is going to improve a whole lot in the economy. It will give money to people who do not have money, it will provide a platform for you to transfer money to people who do not have means of getting money before.
Elimination of Human Intervention and Unemployment
What it does is to remove you from unnecessary jobs that you do overtime, you now have time to come up with some other things you can do. The truth is that the human mind is never idle. This system will make it possible for banks to mobilize savings from wherever they are and from wherever you are. For the network operator- the switching system, people make use of their infrastructure, they are paid some commission for doing that, so they also make money and that generates employment. That may limit the number of people you employ or even get them to do some other research to improve their ability. Once your resources improve as a result of increase in the volume of your business, you are bound to expand and get more people to work for you. It is also a golden opportunity for the under-banked to be banked.
Perception of Acceptability of Mobile Payment
I can say 100 percent. Of course it is normal for people to show apathy to new technology or new inventions. We are talking about the use of phones, Nigerians are people who use their phones effectively and this particular platform is going to ride on the phone. It is interesting to know that we use phones more than so many other ethnic groups in life so people are already conversant with the platform that this particular application will be riding on. If you are going to use plane or computer or some other funny technology that people are not very familiar with, yes it may be difficult but if it is on the phones they use everyday, it is easier. People are advanced with its use but that is not to say there will be no challenge. There would be some challenges, you will need to use some codes on the USSD platform which needs to be learnt. That is one of the challenges but in terms of accessibility of the service, it is 100 percent but of course, I know Nigerians would encounter some challenges when we start using it, maybe in the first two weeks or months.
Phone Compatibility
All phones, even the lowest phone uses USSD, there is no phone in Nigeria that does not use *this this this* that. The only thing is that the graphic interface might not be available on that phone. This application may come on different platforms depending on the capacity or capability of your phone. A USSD function is needed and that is why when people recharge their phones, it does not go to somebody else because using that sign drives it to one platform and that platform cannot be broken into easily. No matter what phone you use, it is possible for you to do mobile payment.
Systemtech
Systemtech is an information and technology company offering consultancy services, specialist training programs, sales and maintenance of various computer hardware and peripherals. We carry out software development for various applications, website design and hosting and syndicated client operational support services on all platforms. The Group Company does have other subsidiaries, specifically four companies- Systemtech Services Limited, Systemtech Engineering Services Limited, Systemtech Software Limited. We also have the fourth one which is Systemtech Mobile Limited. Basically, our job is to provide complete information and communication technology. Systemtech Group has strategic alliances and technical partnership with the best of breed in the IT industry all around the globe which includes Adobe APC, APC, Cisco Networks, Dell Corporation, EPSON, Hewlett Packard (HP), Oracle, IBM, Intel, Microsoft and Symantec/VERITAS.
Value Proposition
It is actually service. We emphasize a whole lot on our capacity to deliver service in time. In terms of software, we take our time to design our systems ourselves. In terms of support, we respond to customers within a maximum period of three hours from calls.
Corporate Social Responsibility
We are doing a lot. Apart from the training we offer interns who come here for a year or less internship, we are working with Google to increase IT awareness in Nigeria. We are also working with all higher institutions, we run a whole lot of IT support applications, we give computers and people pay over time. Now we are involved in direct implementation in universities; we give computers to them, set it up for them and train them on how to use it.
Plans for Systemtech
My plan for Systemtech is to go to the stock market and for it to become a huge success. What I want is for Nigerians to own this company in the next four to five years, for them to participate and contribute to what is Nigerian because we have the best brains in Nigeria. I want people to design applications and compete anywhere and with anyone in the world. I will be happy wherever I am, knowing that Nigerians are able to better application developers using this platform.
Federal government has launched a N482.4 million investment fund to support 12 tech-enabled Nigerian startups.
The initiative under the federal government of Nigeria’s Investment in Digital and Creative Enterprises (iDICE) Programme was implemented by the Bank of Industry (BoI).
The initiative in a statement said applications have been opened for Growth Lab, a 12-week acceleration programme that will select the 12 tech-enabled Nigerian startups, from the six geopolitical zones, for intensive growth support, investment readiness training, and access to up to $350,000 in funding.
According to Ife Adebayo, national coordinator of the Programme, growth lab was designed to support startups that have achieved early traction and are seeking the expertise, networks, and investment required to scale following the implementation of Founders Lab.
“Growth Lab is the Startup Bridge accelerator programme, designed for startups that have developed an MVP and require structured support to scale. The programme focuses on strengthening venture fundamentals and preparing companies for external investment.
“The programme targets startup founders who are seeking the support, networks, expertise, and investment readiness required to accelerate growth and strengthen their position within the Nigerian innovation ecosystem,” he said.
He added that selected founders will gain access to structured growth support, investment readiness preparation, access to industry experts, market expansion pathways, a $100,000 cash investment (or Naira equivalent) for 7.5% equity upon entering the programme (terms and conditions apply), and up to $250,000 in potential follow-on investment should certain growth conditions be met.
“Eligible startups must be at the post-MVP stage, demonstrate evidence of market validation through users, customers, pilots, partnerships, waitlists or any other demand signals, and be willing to participate fully in the hybrid programme,” he said.
The programme will run as an intensive 12-week hybrid experience, including virtual engagements and two physical weeks in Lagos focused on collaboration, learning, and business growth.
The statement said applications opened on July 15, 2026, and will close on August 19, 2026.
According to him, female founders are strongly encouraged to apply. Selection will be conducted through a clearly defined, merit-based evaluation process aligned with published criteria.
iDICE is a $618 million federal government initiative backed by international lenders to boost the technology and creative sectors.
It provides young entrepreneurs with business skills training, mentorship, and access to capital through funds and accelerator programs like the iDICE Startup Bridge.
Nigeria and The United Kingdom held the fourth Security and Defence Partnership (SDP) Dialogue at the Office of the National Security Adviser (ONSA) in Abuja, recently. The dialogue, an important pillar of the bilateral Strategic Partnership, was opened by the National Security Adviser to the Federal Government of Nigeria, Nuhu Ribadu, and the United Kingdom’s National Security Adviser, Jonathan Powell.
Building on the third dialogue hosted in London in July 2025, the fourth SDP dialogue included inter alia, regional and domestic security challenges, human rights and non-kinetic solutions, defence staff talks, cyber and hybrid threats, as well as cross-government discussions on strategic trends, counter terrorism, fraud and illicit finance. Senior representatives from across the Governments of Nigeria and the United Kingdom participated, reflecting the breadth and extent of the partnership.
Nigeria and the United Kingdom agreed to deepen cooperation based on mutual accountability and delivery of commitments while working in a spirit of partnership.
Defence co-operation
The United Kingdom and Nigeria’s defence partnership continues to strengthen in the support of peace and stability in the region. Following on from the successes of previous SDP dialogues, the United Kingdom renewed its long-term commitment to Nigeria’s Armed Forces, including through efforts to counter the threat from Uncrewed Air Systems (UAS) and Improvised Explosive Devices (IED), via joint doctrine, training, technical advice and lessons learning, as well as exploring the development of Special Operations Forces.
The United Kingdom reaffirmed its support for Nigeria’s Joint Doctrine and Warfare Centre, and for strengthening Nigeria’s Maritime Domain Awareness capability. Both parties recognised the success of the hydrography partnership. The United Kingdom committed to continue supporting the National Hydrographic Agency to enhance autonomy and regional influence.
Both governments underscored their shared commitment to deepening cooperation on maritime security in the Gulf of Guinea. Recognising the critical importance of regional stability and secure trade routes, both governments committed to aligning efforts to combat illicit maritime activities, and transnational threats. Nigeria and the United Kingdom also agreed to explore opportunities to strengthen their defence trade relationship.
Countering hybrid threats
Nigeria and the United Kingdom reaffirmed their cooperation on countering hybrid threats, including cyber security and Foreign Information Manipulation and Interference (FIMI). Both sides welcomed progress under the existing Cyber Memorandum of Understanding [2024 to 2027] and agreed to further collaboration on threat intelligence sharing and a new phase of targeted programme partnership.
In this context, the United Kingdom and Nigeria recognised the challenged posed to open societies by hybrid threat actors and our shared assessment. Both countries committed to advancing a new structured framework for cooperation on countering hybrid threats.
This will include the advancement of concrete cyber resilience initiatives, a formalised intelligence-sharing mechanism, robust joint capability-building programmes, and cooperation on counter-hybrid threat strategies, in order to effectively counter mis/disinformation, cyber-attacks, transnational organised crime, and other hybrid threats, whilst upholding human rights and the rules-based international order. Both sides will seek to widen the conversation on hybrid threats.
Joint efforts will continue to build national capabilities, including through programme delivery and targeted support, while addressing developing risks, including from emerging technologies, and supporting Nigeria’s efforts to enhance its role in promoting regional resilience across West Africa.
Countering terrorism and violent extremism
Building on commitments agreed at the third dialogue, Nigeria and the United Kingdom agreed to deepen their partnership on counter terrorism and countering violent extremism. Both sides identified shared priority areas, including strengthening multi-agency coordination, enhancing intelligence and information exchange, as well as reinforcing crisis preparedness and protective security.
Both sides appreciated their continued collaboration on aviation security. The United Kingdom reinforced its support for capacity development efforts at Lagos and Abuja airports to build on progress made to date. Both sides agreed to continue working together in support of Nigeria’s efforts to roll-out the Multi-Agency Anti Kidnap Fusion Cell at the State level.
Continued cooperation will support the operationalisation of Nigeria’s counter terrorism architecture, particularly the National Counter Terrorism Centre, alongside efforts to build capabilities in investigations, forensics and strategic communications. Both sides agreed to renew their support to Nigeria Police Force’s Counter Terrorism Unit with a technical needs assessment planned for late 2026.
Nigeria and the United Kingdom have renewed their commitment to preventing violent extremism through non-kinetic approaches including Disarmament, Demobilisation and Reintegration (DDR) and implementing a comprehensive, whole-of-society approach to building sustainable peace under Nigeria’s national security framework. They welcomed the development of a national policy framework on DDR, and the United Kingdom committed to continuing support to implement the framework at national and state levels following formal sign-off.
Recognising the importance of justice in effective responses to terrorism, the United Kingdom welcomed the commitment and concrete actions by Nigeria to expedite terrorism cases through remote court proceedings, alongside other latest efforts to counter terrorism.
This includes the ongoing phases of mass trials at the Federal High Court, demonstrating Nigeria’s determination to deliver timely, effective, and human rights-compliant investigations and prosecutions of terrorism crimes. Both countries also committed to work together on human rights compliance and recognised the importance of transparency, accountability and respect for human rights as integral to effective counter terrorism cooperation.
Human rights and non-kinetic solutions
Nigeria and the United Kingdom reaffirmed the central role of human rights and non‑kinetic approaches in achieving sustainable security outcomes. Both sides welcomed progress since the third SDP dialogue and agreed to deepen cooperation on civilian protection, accountability, conflict prevention, and the Women, Peace and Security (WPS) agenda.
Both sides reviewed ongoing efforts, including Nigerian Armed Forces’ civilian harm mitigation measures, and underscored the importance of strengthening practices, ensuring transparent investigation of incidents, and embedding lessons learned to reduce harm and maintain public confidence. On accountability, both sides emphasised the need for robust mechanisms to investigate violations by both state and non-state actors.
The United Kingdom welcomed the involvement of the National Human Rights Commission with the Nigerian Air Force’s investigations into recent air strikes. The United Kingdom offered support to strengthen the National Human Rights Commission’s capacity to document and investigate abuses by non-state actors.
Recognising the importance of Nigeria’s upcoming national elections, both sides noted the importance of effective election security before, during and after polls, including efforts to protect voters and institutions, public order management in line with international standards, and reducing the risk of violence.
On preventing conflicts and violent extremism, both sides highlighted the importance of strengthening early warning and early response systems, improving coordination, and strengthening ability of peacebuilding agencies to ensure timely preventive action. On WPS, both sides welcomed progress on Nigeria’s third National Action Plan and committed to advancing participation, protection, and prevention, with the United Kingdom’s continued support for implementation. The United Kingdom offered continued technical assistance in support of Nigeria’s relevant national and state-level strategies in these areas.
Both sides agreed to explore a National Counter Terrorism Centre led quarterly working-level mechanism, with the National Human Rights Commission, to track progress on session agreements and reaffirmed their shared commitment to accountability, transparency, and civilian protection.
Fraud and illicit finance
Building on commitments agreed at the third Security and Defence Partnership dialogue and the State Visit of President Bola Ahmed Tinubu to London thereafter, the United Kingdom and Nigeria reiterated their shared ambition to tackle fraud and illicit finance.
Both sides welcomed progress on strengthening cooperation, including efforts to enhance public–private partnerships, increase capabilities to jointly tackle fraud, improve asset recovery processes and oversight of virtual assets and cryptocurrencies, as well as recognised the growing relationship between illicit financial networks and hybrid threats.
Further collaboration will focus on enhancing mechanisms to support informal bilateral and international cooperation, including timely operational engagements on relevant requests, while addressing evolving fraud threats through strengthened intelligence exchange, joint analysis and coordinated enforcement action. A joint action plan will advance delivery against shared priorities.
Both countries also committed to continued capacity building to support investigation, prosecution and judicial responses, reinforcing a coordinated approach to protect the members of the public in Nigeria and the United Kingdom from serious and organised fraud and financial crimes. Nigeria and the United Kingdom committed to continuing efforts to embody regional and global leadership on the issue of fraud.
Regional security co-operation
Nigeria and the United Kingdom exchanged views on the evolving regional and domestic security environment, noting the deteriorating situation in the Sahel and its impact across West Africa. Both sides reaffirmed Nigeria’s prominence and role as a key factor in promoting peace and stability across Africa over the years.
To this end, both sides agreed upon the importance of Nigeria leveraging its regional relationships and its participation in significant regional platform including through the Economic Community of West African States (ECOWAS) and emphasised the importance of continued outreach and collaboration with countries in the Alliance of Sahel States (AES).
The United Kingdom and Nigeria welcomed the analytical exchange on security and hybrid threats held in advance of the Forth SDP and committed to continuing these as part of future dialogues. Against this backdrop, both countries reaffirmed their intention to deepen cooperation on regional security.
The United Kingdom welcomed the efforts of Nigeria on progress made towards transitioning the National Counter Terrorism Centre to a Regional Centre of Excellence. The United Kingdom expressed its continued support to Nigeria’s regional counter terrorism efforts and welcomed Nigeria’s decision to join the International CT Academy in Ivory Coast (AILCT) to share its expertise across West Africa and the Sahel. The importance of strengthening coordination, information sharing and burden-sharing between regional initiatives were recognised.
Both sides acknowledged the increasing cross-border nature of threats, alongside the impact of hybrid challenges on regional stability, and agreed to work together to support effective regional leadership and partnership.
Implementation and accountability
Finally, Nigeria and the United Kingdom emphasised the importance of sustained delivery and structured engagement to ensure progress on agreed priorities. Both sides agreed to maintain close coordination, through ongoing monitoring of implementation and continued cross-government collaboration.
To support this, officials were tasked to take forward agreed actions and to review progress ahead of the next Security and Defence Partnership Dialogue, to be hosted by the United Kingdom in 2027. It was agreed the Dialogue will continue to support delivery of the United Kingdom–Nigeria Strategic Partnership as well as provide a platform to strengthen cooperation across shared security and defence priorities.
Mr. Khalil Suleiman Halilu, Executive Vice Chairman, National Agency for Science and Engineering Infrastructure (NASENI), has reaffirmed that the Agency’s remarkable transformation is powered by the dedication, innovation and professionalism of its workforce.
L-R: Best Staff, Manufacturing Services Dept, Engr. Odii Emmanuel; Best Staff, Audit Dept, Mr. Abbas Suleiman; Best Staff, Natural & Physical Science Dept, Mr. Usman Ahmadu (represented by Engr Yunusa Jubrin Sulieiman); Overall Staff of the Year, Barr. Hussaina Shehu; Driver of the Year, Mr. Abdullah Mohammed; Staff Choice Award Winner, EVC of NASENI, Mr. Khalil Suleiman Halilu; Best Staff, Accounts & Finance Dept, Mr. Salisu Mohammed; Best Staff, Technology Business Development Dept, Engr. Dr. Abayomi Okeshola; Best Staff, Planning & Policy Dept, Mrs. Ahmed Bilkisu; Best Staff, Technical Services- Engr. Mrs. Ugochi Chimaduruaku; Best Staff, EVC’s Office, Barr. Lilian O. Utaka; Best Staff, Civil & Environmental Engineering Dept, Engr. Aliyu Tahir Ahmed; Best Staff, PICTT, Mr. Umar Muhammad Bashir; Best Staff, Admin & HR, Shakir Owodunni; Best Staff, Research & Development Dept, Miss. Anita Egga during the 2025 NASENI Staff Motivation and Reward Event held in Abuja on Saturday, July 18, 2026.
Speaking at the 2025 NASENI Staff Motivation and Reward Event held in Abuja, he described the ceremony as more than an award presentation, saying it was a celebration of the people whose commitment continues to drive Nigeria’s industrial and technological advancement.
Halilu noted that although the event came later than scheduled, excellence remains worthy of recognition at any time. “Tonight is more than an award ceremony. It is a celebration of the people behind NASENI’s transformation.
“Behind every innovation, every partnership and every achievement are dedicated staff whose commitment has made our progress possible.”
The NASENI boss said the Agency has undergone a fundamental transformation under the Renewed Hope Agenda of President Bola Ahmed Tinubu, repositioning itself as a performance-driven institution focused on Creation, Collaboration and Commercialization (3Cs).
According to him, the (3Cs) principle continue to guide NASENI’s mission of developing homegrown technologies, building strategic partnerships and commercialising innovations that improve the lives of Nigerians.
Highlighting the Agency’s achievements in 2025, Halilu disclosed that NASENI has developed more than 44 commercially viable Made-in-Nigeria products, ranging from laptops and smartphones to solar irrigation pumps and electric tricycles.
The EVC also revealed the ongoing construction of the 40-hectare NASENI Solar Industrial Park in Gora, Nasarawa State, which will become Africa’s largest clean energy manufacturing hub while noting that through the Developing Engineering Leaders Through Her (DELT-Her) initiative, NASENI awarded over ₦229 million in grants to female engineers to promote innovation and expand opportunities for women.
He added that the Agency’s Irrigate Nigeria Programme and Agricultural Machinery Institutes have contributed to the creation of more than 30,000 direct and indirect jobs, while the Agency’s Zero Carbon Project and electric mobility initiatives continue to support Nigeria’s transition towards cleaner and more sustainable technologies.
He congratulated the award recipients while equally commended members of staff who were not recognised this year, assuring them that every contribution matters to the Agency’s success.
Best Staff of the year winners from each department are: Finance & Accounts, Mr. Salisu Mohammed; Technology Business Development, Engr. Dr. Abayomi Okeshola; Admin & HR, Shakir Owodunni; Information, Mr. Asake Michael; Manufacturing Services, Engr. Odii Emmanuel; Technical Services- Engr. Mrs. Ugochi Chimaduruaku; Environmental Engineering, Engr. Aliyu Tahir Ahmed; Natural & Physical Science, Mr. Usman Ahmadu; Nano Science, Dr. Mrs. Sherifat Adeleye; Research & Laboratory, Miss. Anita Egar.
The rest include: Procurement- Mr. Christopher Okpanachi; Planning & Policy, Mrs. Ahmed Bilkisu; EVC’s Office, Barr. Lilian O. Utaka; and Audit, Mr. Abbas Suleiman. Other winners include Driver of the year- Mr. Abdullah Mohammed; Overall Staff of the Year, Barr. Hussaina Shehu; and Staff Choice Award Winner, Mr. Khalil Suleiman Halilu.
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