E-Business
Humans, Not Technology to Blame for eCommerce Cash-On-Delivery

Whether saturated or not, the local eCommerce industry is such that a diligent and intelligent entrepreneur can still carve a niche by looking at untouched areas in the entire value chain.
No doubt, e-commerce is such an ecosystem that should even spur ‘upload’ as against the penchant for ‘download’ among Nigerians. E-commerce offers retailers elaborate window to establish an online presence, as over 80% of the online population have used the Internet to purchase something.
Still in doubt as to why e-commerce platforms will continue to berth, almost on daily basis? Consider the fact that Google recorded ten million new internet users from Nigeria in 2015; it is obvious that e-commerce represents an ebullient pathway to attract/reaching out to new customers and will continue to expand.
Unlike physical retail which principally relies on branding and customer relationships, e-commerce entails an added benefit of driving traffic from the search engines. If a customer is carrying out a search for say photo editing software, he may land on your platform even though he has never heard of you before.
To the customers, e-commerce connotes ‘immediacy’ – no going to the shops or waiting in queues, provided you are connected to the internet; goods bought online tend to be cheaper, depending on the platform and delivery arrangements; the range of goods available is vast and lets you compare prices and terms various options, especially when the paginations are well tailored; the shop never closes. It rolls on 24-hours daily and you will locate what you want much quicker while exposing you to global markets. E-commerce provides immediate feedback on prices, features, etc.
Shopping online particularly in this climate, is usually smooth until it gets to the payment stage. Principally, e-payment and cash-on-delivery are amongst the known payment options adopted by e-commerce platforms in Nigeria.
We can categorize existing payment solutions into three groups: bank wires, payment cards, (Credit & Debit) and electronic payment systems. Paypernet’s recent research on how the characteristics of these payment systems shows that these differ substantially, however, it arrived at the conclusion that “to be suitable for e-commerce, a payment system should probably have certain characteristics, such as: easy to use by the end-user; conceptually easy to understand; does not require customers or vendors to sign up before use; highly secured for customers and vendors alike; low cost; allows micropayments; anonymous; requires no additional hardware or software on the side of the client; able to develop itself independent of partners that might see the system as a threat”.
To me, the Nigerian e-commerce space has a robust e-payment system that meets the above sort of criteria. For instance, SimplePay is such a wonderful solution that allows any business or consumer with an e-mail address and a bank account to securely, conveniently and cost-effectively send and receive payments online or through their mobile phones. This app has the backing of the E-PPAN.
In August 2014, SimplePay partnered with Consumer Bureau de Change to allow Nigerians in the diaspora to instantly fund SimplePay accounts with foreign funds. In other words, any e-commerce platform can fuse into the app.
Elsewhere, KongaPay is offering fast and easy one-time signup; links your debit cards and bank accounts for seamless transfers and payments; no tokens, no CVV. Pay with just your mobile phone; set up payment subscriptions and recurring payments; receive money through your mobile number without a bank account; make airtime and cable TV payments, among others. Sensitive payment information is not stored on KongaPay. In fact, nothing can happen unless you authorize it.
To maintain the integrity of transactions between parties on the platform, all personal and business accounts are verified and logged with the BVN service and the technology is constantly monitoring, evolving, and adapting in real-time to new forms of fraud as they arise. There is no need pretending that technology does not sometimes fail. It does sometimes fail, but the rate of failure has drastically reduced and cannot be the sole reason for an e-commerce platform to rule out e-payment, going all the way cash-on-delivery!
The technology is there, and the time is ripe for cashless system. So, why is cash-on-delivery thriving in the country? A screaming headline by TechCabal reads: ‘Cash on delivery and free delivery: worst things to happen to ecommerce in Nigeria – drinks.ng founder, Lanre Akinlagun’.
Humans are to blame. The e-commerce promoters, on their part, are so much in a hurry to sell and make gains, without critically thinking on patterning the system to global standards. To me, ecommerce without e-payment is a mere glorified conventional trade. At this point, the e-commerce platforms need to hold their grounds on e-payment. Someone who trusts ATM transactions should be able to pay online. It is obvious that education is lacking and needs to be focused on.
Lack of trust on ‘anything internet payment’ will remain an issue the world over, but how are other countries tackling the perennial challenge? User education!
In as much as one expects stricter regulations to restore confidence in the people, or tie the noose on dubious platforms, the Cyber Security Law 2015 can serve some purpose here. Nevertheless, the key lies with the supposed genuine e-commerce platforms to raise alarm when ‘illegitimate’ operators deploy their dragnets in wait for the innocent online shoppers. Intelligence sharing will go a long way in curtailing online fraud.
In all, user education will help to reduce, if not eliminate the over-dependence on cash-on-delivery. It not only negates the Central Bank of Nigeria, (CBN’s), cashless policy, but exposing the deliverymen/companies to attacks and/or the temptation of theft.
E-Business
Kaspersky Uncovers Cyber Threats Defining the First Half of 2026 in Nigeria, Others

Kaspersky’s Global Research & Analysis Team (GReAT) reveals key cyber threat trends for the first half of 2026 at the recent Cyber Security Weekend for the Middle East, Turkiye and Africa region (META).

As the cybersecurity landscape continues to evolve, cyberthreats are becoming increasingly diverse and sophisticated. The rapid adoption of artificial intelligence (AI), coupled with ongoing geopolitical and economic instability, is contributing to the rise of cybercrime and the growing complexity of cyberattacks.
According to Kaspersky’s telemetry, online threats exploiting vulnerabilities in websites, emails and web services continued to affect millions of users across the META region during the first half of 2026.
Specifically, Kaspersky detection systems stopped 1,6M attacks from various online resources in Nigeria. Turkiye recorded the highest percentage of users affected by web-based threats at 22.8%, followed by Kenya (21.2%), Qatar (19.3%), Nigeria (18.4%) and South Africa (17.2%). In contrast, Saudi Arabia, Jordan and Pakistan registered the lowest share of users targeted by web-borne attacks in the region.
AI is transforming attacker operations
Kaspersky experts report that threat actors are increasingly integrating AI into different stages of their operations. Large language models are already being used to generate phishing emails, malicious code and supporting operational content.
AI is also beginning to play a larger role in malware development. Modern language models are capable of generating substantial portions of malicious software, from initial code scaffolding to functional modules.
Researchers have already observed AI-assisted malware development in campaigns linked to the FunkSec group, which deployed Rust-based malware capable of data theft, encryption and process manipulation. Similarly, during the RevengeHotels campaign in 2025, threat actors used large language models to generate portions of the infector and downloader code.
“We expect AI to remain one of the key factors shaping the threat landscape in 2026, as we already see how it is reshaping attacker workflows and accelerating their operations,” said Sergey Lozhkin, Head of Global Research and Analysis Team in APAC and META regions at Kaspersky. “By lowering the time and cost required to develop and adapt malicious tools, AI allows threat actors to iterate faster and scale their efforts. Defenders should be prepared for quicker shifts in tactics.”
Emerging trends shaping the cyber threat landscape
In addition to the growing use of AI by cybercriminals, Kaspersky experts identified several trends that organisations should monitor closely:
- AI-driven malware evolution: generative models can rewrite malware in different languages or architectures, making malicious code harder to detect, and faster to deploy at scale.
- Cloud-based data exfiltration: attackers increasingly route stolen data through legitimate cloud and file-sharing services to blend in with normal traffic.
- Ransomware targeting operations: some groups disrupt production and business processes, not just encrypt data, to increase pressure for payment.
- AI agents as persistence mechanisms: some AI agent solutions are granted broad or even full system access. If compromised, attackers could modify the system prompt or the agent’s configuration, for example, causing it to download a payload on every startup.
- Malicious AI skills become a new attack vector: as AI agents gain broader access to enterprise systems, attackers start to exploit compromised skills to manipulate agent behaviour, steal sensitive data, execute unauthorised actions, and establish persistent access. This creates a new layer of risk where trusted AI tools can be turned into powerful mechanisms for cyberattacks.
As cyberthreats continue to evolve alongside emerging technologies, Kaspersky recommends that organisations strengthen their cybersecurity posture through continuous vulnerability management, timely patching, employee awareness training, threat intelligence, and advanced security solutions like Kaspersky Next, capable of detecting sophisticated and AI-assisted attacks.
E-Business
Kaspersky Uncovers New Mirage Kitten Malware Used in Cyber-espionage Campaign Across Africa, Others
Kaspersky Global Research and Analysis Team (GReAT) has discovered a previously undocumented malware set used by Mirage Kitten APT. The findings were revealed at its annual Kaspersky Cyber Security Weekend for the Middle East, Turkiye and Africa (META).
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The malicious tools were used in a targeted campaign aimed at maintaining long-term access to victim networks and stealing sensitive data.
The company’s researchers have identified victims of this campaign across the Middle East and Africa, including organisations in Egypt, small and medium-sized businesses and government entities in Jordan and Tanzania, aviation organisations in Pakistan, telecommunications companies in Ethiopia and financial-sector entities in Burkina Faso.
The toolset consists of three custom programs. At its core is NightLedger, a newly discovered Windows backdoor attributed to the group based on code and behavioural similarities to its previously known malware, which gives the attackers remote control over infected machines: they can run commands, explore and transfer files and capture screenshots.
It is complemented by two covert tunneling tools, ArcBridge and BridgeHead, which effectively turn a compromised computer into a relay node: the attackers run their tools on their own servers, while all the resulting traffic is quietly funneled through the victim’s machine, as if it originated from inside the victim’s network.
This lets them slip past network defences and preserve long-term access without drawing attention. The first of these tools was identified in April 2026 in activity targeting victims in the Middle East.
While the initial access vector remains unclear in most cases, Kaspersky GReAT researchers observed BridgeHead being deployed during post-compromise activity in victim environments in Egypt and at an aerospace and aviation organisation in Pakistan. In those cases, the intrusion activity followed targeted spear-phishing attempts consistent with the group’s known methods.
The lures were highly tailored including recruitment-themed messages impersonating trusted brands and hiring platforms, as well as fake videoconferencing pages that redirected victims to malicious archive files hosted on third-party file-sharing services.
“Based on our latest findings, we conclude that Mirage Kitten continues to evolve its malware arsenal in support of targeted cyber-espionage operations across the Middle East and Africa.
“Another notable aspect of the campaign is the group’s continued reliance on tunneling utilities as part of its operational toolkit: in practice this enables attackers to bypass network controls, maintain covert access to compromised environments and significantly complicate detection efforts.
“Given the persistence and sophistication of these techniques, organisations and defenders should incorporate these findings into their threat assessments and strengthen their detection and response capabilities accordingly,” says Omar Amin, senior security researcher at Kaspersky GReAT.
E-Business
NDPC Directs DCPMIs to Register with Agency or Face Legal Consequences

Nigeria Data Protection Commission (NDPC) has directed all Data Controllers and Data Processors of Major Importance (DCPMIs), yet to register with the commission to do so immediately.

This followed a Federal High Court judgment affirming NDPC statutory powers to designate and register such entities.
DCPMIs are entities operating in Nigeria that handle sensitive personal data or large volumes of information, requiring mandatory registration with the NDPC under the Nigeria Data Protection Act (NDPA).
In a statement issued on Tuesday by Babatunde Bamigboye, head of Legal, Enforcement and Regulations at the NDPC, described the judgment as a major milestone for data accountability and regulatory oversight in Nigeria.
The commission said the ruling arose from a suit filed by Emmanuel Harunna against the NDPC in Emmanuel Harunna v. NDPC (FHC/L/CS/1116/2024), in which the applicant sought a declaration that Point of Sale agents were not Data Controllers or Processors of Major Importance under the Nigeria Data Protection Act and requested a perpetual injunction restraining the commission from registering them.
According to the statement, Justice F.N. Ogazi examined the commission’s Guidance Notice on Registration alongside Sections 5(d), 6(c), 44, 45 and 65 of the Nigeria Data Protection Act before concluding that the commission acted within its statutory powers in designating entities under the Major Data Processing – Ordinary High Level category as Data Controllers and Processors of Major Importance.
Quoting the judgment, the statement read, “The Nigeria Data Protection Act was enacted to promote accountability, transparency and responsible data governance. Registration enables the Respondent to identify entities engaged in significant data processing activities, monitor compliance.”
It added that the court held that, “Far from undermining the constitutional right to privacy, the registration framework is one of the statutory mechanisms designed to safeguard that very right by subjecting data controllers and data processors to effective regulatory oversight.”
The statement further quoted the court as saying, “Looking at the recitals of the Guidance Notice, there is every indication that the Guidance Notice is also aimed at protecting the privacy and security of data subjects, thus bringing the registration requirement of the Guidance Notice within the protective shield of Section 45 of the 1999 Constitution.”
According to the commission, the court also held that, “Remarkably, Section 63 of the Data Protection Act provides that the provisions of the Act shall prevail over any other law inconsistent with its provisions on matters relating to the processing of personal data.”
Reacting to the judgment, the commission described the decision as a significant boost to Nigeria’s data protection regime.
“The Commission appreciates the ground-breaking efforts of the court towards the advancement of the jurisprudence relating to data accountability in Nigeria, as eloquently demonstrated in this case,” the statement read.
Following the ruling, Vincent Olatunji, national commissioner and chief executive officer, had directed every Data Controller and Processor of Major Importance that had yet to comply with the registration requirement to register without delay.
The commission warned that entities failing to comply with the registration requirement could face legal consequences.
“Failure to register creates serious legal liabilities under the law, while compliance with registration requirements builds public trust and safeguards the fundamental rights and freedoms of data subjects in Nigeria,” the statement added.
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