E-Business
How Access to Whatsapp Encryption May Affect your Privacy

In the wake of last week’s terrorist attack in Westminster, the British government on Sunday disclosed that its security services must have access to encrypted messaging applications such as WhatsApp, revealing it was used by the killer behind the parliament attack.
In this piece, Yudala – the largest online and offline retail chain – examines the benefits of WhatsApp encryption and why access to these encrypted messages by a third-party may mean less privacy for you…
Created in 2009 as an alternative to text messaging, WhatsApp is today one of the world’s most popular instant messaging service with more than one billion users in 180 countries.
According to a May 2016 report from research firm SimilarWeb, WhatsApp is the top chat app in 109 countries, including Brazil, India, and the United Kingdom. Facebook acquired WhatsApp in 2014 to make a bigger play in the rapidly-growing messaging market, along with its own Messenger platform. At the time the deal was announced, WhatsApp had 450 million users worldwide.
Khalid Masood, the 52-year-old Briton who killed four people before being shot dead in a rampage in Westminster on Wednesday, reportedly used WhatsApp to send a message some moments before the assault – a discovery that has seen the UK government determined to gain access to the end-to-end encrypted messages sent through the app.
Home Secretary Amber Rudd affirmed that it was “completely unacceptable” that police and security services had not been able to crack the heavily encrypted service.
“You can’t have a situation where you have terrorists talking to each other — where this terrorist sent a WhatsApp message — and it can’t be accessed,” she said.
WHAT DOES WHATSAPP END-TO-END ENCRYPTION MEAN?
WhatsApp’s end-to-end encryption ensures only you and the person you’re communicating with can read what is sent and nobody in between, not even WhatsApp. Your messages are secured with a lock and, only the recipient and you, have the special key needed to unlock and read your message. For added protection, every message you send has a unique lock and key. All of this happens automatically: no need to turn on settings or set up special secret chats to secure your messages.
It is also important to note that end-to-end encryption is always activated, provided all parties are using the latest version of WhatsApp. There is no way to turn off end-to-end encryption. End-to-end encryption is available when you and the people you message are on the latest versions of WhatsApp.
The benefits of end-to-end encryption on WhatsApp are numerous and has remained one of the major factors that has contributed to the growing popularity of the Facebook-owned service. These benefits include:
Privacy: With end-to-end encryption in place, people can communicate with each other and express themselves freely without fear of unintended people gaining access to their private stuff. This way, you can talk to your doctor about your medication, hold intimate chat sessions with your spouse/partner or have a discussion with an associate about a business proposal without the fear of being overheard or the call being tapped.
Safe group chats: Group chats are also safely encrypted, thereby lending an air of confidentiality to messages sent in such a forum. With encryption featuring in group chats, non-group members will have no clue at all about the happenings in the group. This makes it more attractive for people with like minds and interests to discuss their affairs in WhatsApp groups without the fear of being overheard.
Encryption works by default: Encryption setting is turned on by default by WhatsApp in all devices. If you are running the version of WhatsApp that has encryption support, you will be informed of this on your chat screen when you send messages across along with a lock symbol next to the confirmation screen. You can also verify the default ON setting by making use of a unique QR code on the phone of each contact in your list.
In case, for some reason, the default encryption setting does not get activated, you can do it yourself through a simple process. In your chat window, just click on your contact’s name at the top of the window to display his or her profile details. You will find an option to turn the encryption on.
WhatsApp can’t read your messages: End-to-end encryption means that even if it wanted to, WhatsApp cannot gain access to your messages. In other words, only the sender and receiver can read intended messages.
Not even WhatsApp employees or hackers will be able to gain access to the messages sent or received. This applies to any form of messages – text, images, videos and files.
Encryption works on all devices: The encryption in WhatsApp works using an open-source protocol known as Signal that is developed by an organization called Open Whsiper Systems. This company has worked in close association with WhatsApp in determining its requirements and the level of encryption to be provided.
The app ensures that smartphones featuring this app support the encryption and decryption keys to be applied to messages going out and coming into the device.
The encryption technology is supported by all recent WhatsApp versions running on Android, Windows, iPhones, and Nokia phones. Keeping in line with the usual trend, WhatsApp first introduced encryption on Android before extending it to other platforms.
Even in error, you are protected: WhatsApp has become very focused on making encryption mandatory that it now refuses to work on unencrypted messages.
If a person tries to send a contact an unencrypted message, WhatsApp will immediately prevent him or her from doing so.
Additionally, the sender will be informed that this is because the messages being sent from his or her end are not encrypted.
No server hacks with end-to-end encryption: When the encryption process was first implemented by WhatsApp, it took place over a central hub.
Messages management and key exchange coordination take place centrally, apart from central control of the encrypted code that is executed on both the servers and mobile phones.
However, this did not result in complete safety and paved way for end-to-end encryption. As a result, messages will get decrypted only on the receivers’ handsets rather than in between the server and the handsets.
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.
E-Business
NITDA Warns Nigerians of Actively Exploited Microsoft Office Vulnerability

National Information Technology Development Agency (NITDA) has issued an urgent cybersecurity warning about a serious Microsoft Office vulnerability (CVE-2026-21509) that attackers are actively exploiting.

This advisory, shared through Nigeria’s Computer Emergency Response Team (CERRT.NG), highlights the risks of this flaw and recommends immediate action to protect systems.
Microsoft has released quick security updates to fix this vulnerability, which has a severity score of 7.8, showing it is a serious risk. Attackers have already used it in targeted attacks.
CVE-2026-21509 affects multiple versions of Microsoft Office, including Office 2016, Office 2019, Microsoft 365 Apps, Office 2021, and later versions.
This flaw allows attackers to bypass security features meant to stop harmful Object Linking and Embedding (OLE) controls. OLE is an older Microsoft technology that can be used to embed links or content, but it has often been exploited by malware.
By exploiting this flaw, attackers can create specially designed Office documents.
When a user opens these documents, they can run malicious code or gain further access to the system.
Exploitation requires user interaction, meaning attackers often trick people into opening harmful Word, Excel, or other Office documents. Common methods include using email attachments or files from untrusted sources.
Because Microsoft confirmed that the vulnerability is being actively exploited, they have made emergency security updates available outside their usual schedule. Users and organisations should:
- Install the latest Microsoft Office security updates for all affected versions.
- Restart Office applications for Office 2021 and later to ensure that the updates take effect.
- Use registry-based settings for protection if updates can’t be applied right away.
- Follow good cybersecurity practices, like using endpoint protection and filtering emails.
Microsoft’s updates for Office 2021 and newer versions are automatically applied, but need a restart of the applications to be active.
Telecom3 days agoBanks, Telcos Settle Four-Year Dispute over N300Bn USSD Debt
Telecom2 days agoGroup Condemns Gabon’s Social Media Shutdown Amid Protests
General News2 days agoHow JustMarkets Is Empowering African Traders with Global Market Access
E-Financial2 days agoACAMB Educates Content Creator to Curb Misinformation on Bank Recapitalisation
General News3 days agoPalmPay Unveils First Batch of Winners in #LoveWithPalmPay Campaign
E-Business2 days agoMutual Benefits Assurance Settles ₦5.9bn Claims in January 2026
E-Financial3 days agoFirstCap MD says Payment Security Remains Biggest Barrier to Bankable Gas and Power Projects
Telecom2 days agoIXPN Positions as the Regional Internet Exchange Hub for West Africa










