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Tech’ll Fuel Changes in MEA Education Sector- Salcito

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l-r Anthony Salcito and Peter Ugwu during the interview
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Anthony Salcito is the vice president, Education for Microsoft Corporation’s Worldwide Public Sector organization. Under the role, Salcito works with education institutions and partners globally to embrace technology to optimize learning environments and student achievement.
He oversees the worldwide execution of Microsoft’s vision for education and its partnership and technology outreach efforts via the Worldwide Partners in Learning, Partners for Technology Access, and Public and Private Alliances programmes.
The education innovation enthusiast has been a Member of the Advisory Board of RM Educational Software, Inc. since April 2010.
Prior to the role, Salcito served as Director of HMH Holdings (Delaware), Inc until February 03, 2012. Salcito helped launch the U.S. Partners in Learning program in 2003, which was recognized in 2009 with the Public-Private Partnership Award from the U.S. National Governors Association, among other accolades.
With Microsoft’s key role at the Inaugural BETT Middle East Leadership Forum & Expo, held in partnership with the Abu Dhabi Education Council at Intercontinental Abu Dhabi, United Arab Emirates, Salcito in an interview with peter ugwu re-echoed Microsoft’s innovations in education as driven by the penchant interest to empowering global leaders towards solving challenges confronting education systems. Excerpt 

Significances of Inaugural BETT Middle East Leadership Forum & Expo
The Forum accords us the opportunity to learn, emphasis on the need to progress. This is a time in history that is very critical to push hard and drive for innovation and change in schools. So we need to challenge each other to push harder and faster for the changes needed in the education sector.

Global Educational Challenges and Microsoft’s Identified Solutions
That is very right. One of the things we have seen as a challenge is: teachers need support, training, encouragement and that is applicable in any part of the world. We have been investing and working hard on tools for online training through Microsoft Educator Support.
I was in Skype session with teachers in Nigeria a couple of weeks ago, to train them on Microsoft platform.
 It is very remarkable for us to celebrate these teachers; make them feel special. These teachers are our heroes.
Another thing we have seen globally is that teachers are unprepared for the changes and dynamics in education.
Now, we are working in line with UNESCO teachers’ capacity framework to help them, building a community for them to share their ideas.
We also see leaders struggling for change. There is a change in skills, likewise the cultural changes; universally that is a challenge. We have working Microsoft Education Leadership Transformation Framework which is a way of assisting the leaders embrace the kind of change they want to see in schools. So, we are working hard to see these achieved.
From the technology standpoint, we see some challenges as well. Access to bandwidth is a challenge. Microsoft is working to develop technologies that can function in low connectivity domains, as well as working with innovations to extend connectivity leveraging on TV broadband or whitespaces to extend the low cost connectivity to schools.

Microsoft Office365, Azure and Relevance to Transforming Education
One of the things to note is the value preposition Office365 has with regards to skill sets. The International Data Corporation (IDC) reported that globally Office365 is one of the top five skills requested.
The peculiarity is that, it is built on Word, PowerPoint, Excel experiences, but extends to Cloud ideation where teachers can share and connect to other classrooms around the world.
It contains tools where teachers can collaborate and share ideas; teachers can have one-to-one relationship with the students.
All that functionality and capability are provided in Office365 for free; a secured cloud environment where schools can manage innovation.
They can integrate their systems such as a Module (Learning) Management System to the Office365, as an endpoint solution at a very low cost.
So, we think that it is a very powerful set of tools for schools and Microsoft is working to providing training and materials to help schools leverage it; help teachers connect it, teach. For schools that have ‘Office’ for clients, a lot of the connectivity solutions are supported, because you can take notes in OneNote or manage emails…and they synchronize, especially when you have connection; and without connection you can still do your work. So, we are thinking ahead to bring seamless, affordable and adaptable solutions to every region.

Microsoft’s Assessment of MEA, Leadership and Preparedness for 21st Century Education Requirements
I would say that the reality of embracing technology is supported. I think we need to ask: are we really ready for changes that will happen in the classroom?
There are leaders in the regions (Middle East and Africa, MEA), who are seeing the changes in the classrooms. Globally, no leader in each of the regions think they are done.
The best schools in the developed countries would want to continue to push forward and there are many other countries that want to move faster. So, there is universal acceptance and the willingness to embrace the change.
Secondly, the change is really about technology as the core element. We know, the change requires leadership, people, and holistic embrace of the changes as quick as possible.
Technology will always be the fuel for the change; it will optimize, such as the learning requirements, opportunities for students, how content can be more personalized. Those things can be powered by technology, but technology shouldn’t be just the focus of the change.

Skill Sets for Relevance in 21st Century Work, Education, Environments, Etc.,   
When we think about skills, from the workplace perspective, then, we are focusing on students who are great in communication, collaborations, critical thinking, creativity, and a lot of Microsoft’s products are designed to help people achieve this.
With and from the Cloud platform, companies communicate, collaborate and pass critical information to express ideas even with the PowerPoint. So, we have a number of products and the kids are excited about it by expressing their ideas with technology. Importantly, we are working with teachers to embrace how we assess the skills. Microsoft is committed to redefining the skills set relevant in the 21st century work environment by providing the kids with the tools while they are in school. As employers we need the students coming from schools to be well equipped.
Another skill that is really critical to Nigeria is entrepreneurship. We need to create the entrepreneurial mindset for students; not only to work for large companies like Microsoft, but to build ‘Microsofts’ in Nigeria.

4Afrika Initiative
A number of the 4Afrika initiatives are education specific. We work from everything around connectivity to providing tools like Office365, providing trainings for school leaders to drive the impact and providing business (startups). A number of universities are participating in that test in creating new startups.
Two key pillars of 4Afrika initiative are: Access and Skills. Access implies to connectivity; that is where emphasis on leveraging TV whitespaces or spectrum to provide access to the people. The skills development are through trainings to teachers, and molding or developing the students at very younger age.

Microsoft’s Penchant Interest in Education
Education is a priority for Microsoft as we invest, not only in resources, people, and developers, to think about how we can support the space. And this is something that will continue for Microsoft going-forward. It is needed and will thrive through a combination of working with the school leaders to drive the change, getting Insights from teachers and students on how we can build tools and products they need. Every school has a programme and expectation, so we will continue to support them in achieving those programmes.

Microsoft Enabled Hardware/Devices to Drive Education Contents
Yeah, for the most parts what we have been planning to do is work with manufacturers to produce lower cost-effective technologies that leapfrog some of the contents. There are some devices we have.
They are rugged, embrace smart-pens, convertible/detachable and are delivered to the people locally. It is really a priority for us. We want to gain and retain confidence in Windows 10 as platform for developers and hardware manufacturers to build on, while the Office365 provides the unrivaled connectivity experiences.

Message to African Leaders from BETT’16
I think, the change that we should aspire to be is big and not compromised by the realities of connectivity and budgets are presented today. We have the opportunity to change the mindsets of the kids, develop them to be employable and expand the footprints on the Continent.
Korea is one of the best performing countries in the world. If you paint the picture of connectivity downtimes about 50 years ago, you will see a completely different landscape. We need leaders in Africa to project 50 years ahead on what is possible and stand the foundation on the kids in classes today. And when you work with partners like Microsoft, be assured that with shared Insights we can together build solutions to see-off the challenges. Thank you.

       


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Nigeria Market Powers Jumia’s Momentum as E-commerce Platform Demand Accelerates

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Nigeria powered Jumia Technologies AG’s strongest growth in 2025, cementing its position as the company’s most important market as rising consumer demand, SME activity and logistics expansion boosted performance across the e-commerce platform.

In the fourth quarter of 2025, Jumia’s Nigeria operations recorded a 50% year-on-year increase in Gross Merchandise Value (GMV) and a 33% rise in orders. The performance highlighted growing adoption of online shopping and Jumia’s increasing relevance to African consumers.

Nigeria’s momentum helped drive 36% year-on-year GMV growth and 34% revenue growth across the group in the quarter, alongside a 26% increase in quarterly active customers. Growth was supported by stronger customer retention and higher order frequency.

Beyond sales growth, Jumia said its Nigeria operations are delivering wider economic impact. The platform supports thousands of local SMEs, enabling them to reach customers nationwide, while continued investment in fulfilment centres and last-mile delivery is creating income opportunities for logistics partners and sales agents.

Efficiency gains were also evident. Fulfilment costs per order declined 12% year-on-year, contributing to a 39% reduction in operating losses and a 47% drop in adjusted EBITDA losses in the fourth quarter. Cash used in operating activities fell sharply to $1.7 million, compared with $26.5 million a year earlier, while liquidity stood at $77.8 million at year-end.

Temidayo Ojo, Chief Executive Officer of Jumia Nigeria, said the results reflect growing trust from consumers and businesses. “Nigeria is central to Jumia’s growth,” Ojo said. “Each order supports local sellers, delivery partners and jobs, while improving access to affordable products for consumers.”

For the full year, Jumia reported 14% GMV growth and 13% revenue growth, with losses narrowing significantly. Looking ahead, the company expects Nigeria to remain a key growth driver as it targets 27–32% GMV growth in 2026 and aims to reach adjusted EBITDA breakeven by the fourth quarter of 2026.

 


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PalmPay Celebrates Valentine with #LoveWithPalmPay Campaign

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This Valentine’s Day, PalmPay is celebrating love in all its forms with the launch of #LoveWithPalmPay, a campaign highlighting how simple, everyday shared money moments can bring relationships closer.

Valentine’s Day is more than grand gestures; it’s built on the small, meaningful actions that shape relationships, sending timely support, saving together, or managing shared responsibilities. PalmPay encourages users to share 30–60 second real-life stories, either solo or duet style, showing how PalmPay always works and has helped them support or stay connected with someone they love.

The campaign runs from February 9th to 21st across Facebook, Instagram, X (formerly Twitter), and TikTok. Four winners will receive ₦100,000 each week for two weeks, totalling a prize pool of ₦800,000.

Entries can take many forms, including couple videos, solo stories, split-screen duets for long-distance couples, or voiceover narratives with photos or clips, making the campaign inclusive for married couples, parents, and long-term partners.

How to Participate:

  • Share an authentic love story about your partner
  • Clearly show PalmPay in action (transfers, savings, or other in-app activities)
  • Be creative and emotionally engaging
  • Post between February 9th – 21st with the hashtag #LoveWithPalmPay
  • Share on any of PalmPay’s social media platforms

“Love evolves, and so do relationships,” said Olorunfemi Hanson, Head of Marketing and Communication, PalmPay. “From dating to parenthood, the small money moments we share every day play a big role in keeping us connected. With #LoveWithPalmPay, we want to celebrate those stories and show how PalmPay always works, making everyday love simpler, reliable, and meaningful.”

This Valentine’s Day, PalmPay celebrates love as it truly is real, intentional, and built on shared moments.

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 and processes up to 15 million transactions daily. PalmPay has operations in Nigeria, Ghana, Tanzania, and Bangladesh. For more information, visit www.palmpay.com


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CBN, NCC Propose Instant Refunds for Failed Airtime, Data

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Central Bank of Nigeria (CBN)and the Nigerian Communications Commission (NCC) have proposed that customers must receive refunds within 30 seconds for failed airtime and data purchases to curb persistent billing complaints in the telecommunications sector.

CBN, NCC Propose Instant Refunds for Failed Airtime, Data

This was indicated in the Exposure Draft of the Joint CBN–NCC Framework for Resolution of Failed Airtime and Data Purchase Transactions, which was published on the website of the CBN on Monday.

The landmark exposure draft, dated 5 February 2026, seeks to “institutionalise clear accountability” and establish a “coordinated approach to consumer redress” across the financial and telecommunications sectors.

The most significant shift in the proposed framework is the introduction of standardised, automated timelines for resolving failed transactions.

Currently, Nigerians often face long delays when airtime purchases fail at the bank, aggregator, or Mobile Network Operator level.

To solve this, the regulators have proposed a 30-second window for automated reversals. Section 6.0 (ii) of the draft exposure, which dwelt on failed transactions, especially as it relates to unfulfilled airtime/data delivery, proposes a time to refund the purchaser of 30 seconds “if the transaction failed at the bank level… Failed transaction delivery from NCC Authorised Licensees… Failed transaction delivery from MNO to the NCC Authorised Licensee.”

The draft emphasised that stakeholders must “automate reversal processes across all stakeholders” to ensure that refunds require no human intervention from the customer.

The draft exposure also stated that “all parties involved in airtime and data transactions shall take the following actions to ease usage and facilitate consumer satisfaction: a. Stakeholders must immediately connect ONLY to relevant authorised licensees of the NCC and CBN. b. MNOs and banks must only connect to NCC Authorised Licensees/MNO digital channel partners for airtime and data vending… Notifications of failure create final settlement obligations between MNO and NCC-authorised licensees… The NCC and CBN will audit stakeholder compliance jointly or individually at quarterly or other intervals as may be determined.”

From a business and oversight perspective, the regulators are proposing a Central Monitoring Dashboard to be hosted jointly by the CBN and NCC, which will track reversals, Service Level Agreement breaches, and customer complaints in real-time.

“There shall be a Central Monitoring Dashboard hosted by CBN/NCC for tracking reversals, SLA breaches, and customer complaints. This will facilitate the establishment of a real-time national ‘Failed Transactions Dashboard’ with a uniform error code with end-to-end visibility across the value chain’, read the draft exposure.

This is designed to eliminate the “unclear ownership of liability” that often occurs when banks and telcos blame each other for failed recharges. To support this, banks and MNOs will be required to maintain and share daily reports of successful and failed cases.

The proposed framework also addresses the common problem of “lost” money when customers recharge ported phone numbers. The draft mandates that MNOs must validate a phone number against the ported number database before processing any recharge. If the system identifies a number as ported out or invalid, it must “proactively stop recharges” and send a failure code back to the bank to ensure the customer is not debited.

For erroneous recharges sent to the wrong person, the framework sets clear protocols: below N20,000, MNOs will request the recipient’s consent before a reversal, and when it is above N20,000, an affidavit of indemnity or notarised letter is required to process the recovery.

The CBN and NCC in the exposure draft signalled they will take a firm stance on compliance. Both agencies will conduct joint quarterly audits of all stakeholders, including banks, payment service providers, and MNOs, to verify compliance with the new rules. The regulators have warned they will “impose penalties for any breach” of the framework’s provisions.

Banks and other financial institutions have until 10 February 2026 to submit their inputs on the draft before it is finalised. Once implemented, the framework is expected to significantly restore “subscriber trust” in Nigeria’s digital financial ecosystem.


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