General News
How to Build More Connected & Inclusive Cities

By Carlos Menendez,
Carlos Menendez is president, Enterprise Partnerships, for Mastercard. In this role, Mr. Menendez is responsible for expanding the company’s operations globally with partnerships in the Smart Cities, Retail, Travel and Banking space. In this piece, he looks at ways to build more connected and inclusive cities.
When thinking about the cities of the future, I know that they will be more connected, and I strongly believe that they must be more inclusive.
We can’t have the Internet of Everything without the Inclusion of Everyone. Already today, a growing number of cities are using smart technologies to better connect people to places and to each other – and more importantly also connecting people to opportunities for better and safer lives.
Unfortunately, what still causes a significant amount of friction in our cities and prevents inclusive growth is the dominance of cash. In fact, close to 85 percent of all consumer payments in the world are still done with cash or checks.
This means that far too many people are trapped by default in an informal economy. They lack the financial services to guard themselves against risk, save for themselves, plan for their children’s futures, and build better lives.
Two years ago, Mastercard set a global goal to bring 500 million people into the financial mainstream by 2020. And we’re well on our way to doing that.
In just a few short years, we have helped connect more than 300 million people through partnerships with banks, governments, retailers, and NGOs.
We’re also working with our partners to enable and grow 40 million small merchants and micro-entrepreneurs because it’s not just individuals that are too often trapped in a cash economy – stores lose billions of dollars every year to leakage and theft.
Success Factors For Future Interconnected and Inclusive Cities
It’s no secret that the world is becoming more urban. The UN estimates that within the next generation, the number of people living in cities will jump from 50 percent today to almost 70 percent.
Already today, cities are grappling with the challenges that come with their growth. Congestion, pollution, and poverty are features of many of the world’s major cities, and it will take a collaborative effort by the public and private sector to meet these challenges.
We have seen progress, and there are some common themes around how we can leverage technologies and partnerships to move toward more connected, more inclusive cities.
Transforming Public Transportation
The key approach is to tackle those sectors in our cities that have high levels of everyday cash usage, and one of these areas is mass transit.
About 65 percent of all urban transportation is still paid in cash, which adds up in significant operational costs to transport providers and puts drivers and passengers at risk of getting robbed.
In over 100 cities around the globe (including London, Singapore, Bogota and New York), Mastercard users are paying their train or bus fare simply by tapping their card or swiping their phone.
Only a couple of weeks ago, Sydney became the first city in Australia to introduce contactless payments for public transport – no more queuing in front of tickets booths, topping up cards, or fumbling for cash.
In London, already 40 percent of daily pay-as-you-go journeys on the city’s underground, buses, and commuter rails are paid by contactless cards/phones – which has dropped Transport for London’s cost of selling tickets from 14 to 9 percent of the fare and has saved them over 100 million pounds in cash related costs.
Once payments are digitized, data insights help city governments better understand and connect with their citizens. In Chicago for example, UI LABS, is bringing technology and transportation providers together to find ways to better balance transit supply and demand across a city.
When people use their cards for public transport, this can help form a habit of paying electronically in shops and stores as well which can be a critical factor for enabling broader financial inclusion.
For instance, those living in a cash economy face significant risks when it comes to putting away money for savings. This lack of savings then makes it challenging for people to access lower priced weekly or monthly tickets, instead of more expensive daily tickets.
This is why a few weeks ago, the Government of Mexico City announced its plans to launch a debit card that can be used for both transit payments as well as every day purchases, and potentially social disbursements.
Empowering Small and Micro Businesses
Another critical angle to building more inclusive cities is to focus on the role of small businesses and how to connect them to electronic commerce.
In most parts of the world, small businesses account for well over 90 percent of all enterprises. However, small and micro entrepreneurs have historically been underserved when it comes to their ability to accept electronic payments. For a small market vendor, bigger tickets and additional sales from someone using their card instead of cash are important steps on the economic ladder, which are typically followed by better access to credit.
There are various ways to address this. One is by turning a seller’s mobile phone into a payment terminal. Masterpass QR, which is already available in eight countries in Africa and Asia, is a new electronic payment option that lets customers pay for goods and services from their mobile phones by scanning a QR code displayed at a store’s checkout.
In Kenya, Mastercard is partnering with Unilever to simplify the way smaller stores order and pay for their goods with a wholesaler.
Today, this is a very cash intensive process. Digitizing this process will give small entrepreneurs better access to funds, facilitate inventory ordering and management, and provide better sales insights about their business.
Partnering with Governments
Like businesses and individuals, governments make and receive payments. And many governments around the world choose electronic methods for things like procurement, social benefit payments, or tax collection. Electronic payments are not only more efficient and more transparent, they’re also a great way to lead by example.
At Mastercard, we have partnered with over 60 governments globally to deliver more than 1,600 scalable cashless programs in various cities and communities around the world.
In the Middle East and Africa, we have joined forces with public institutions on solutions that link a government identity with payments and enable people to become financially included on a massive scale. In Egypt, the government plans to extend financial inclusion to over 54 million citizens through a digital National ID program.
But what’s most important for many people, is that this may be the first time they see their name printed on a financial instrument. This gives them a financial identity, and it may give them the first chance to move out of the cash economy into the formal economy.
Technology as the Great Enabler
Simplifying access to public transport, empowering small and micro businesses, promoting cashless programs – what these three areas have in common is that technology works as a great enabler. While the know-how exists to solve many of the world’s most pressing problems, no one can meet these challenges on their own.
It takes partnerships across businesses, governments, NGOs and academia to advance more connected and more inclusive cities – and to build healthier, safer and more prosperous communities.
General News
Lawyer Drags FG Court over Controversial Health Data Sharing Agreement with US

Okpi Bernard Adaafu, a legal practitioner, has dragged the federal government of Nigeria before the Federal High Court in Abuja, challenging the legality of a controversial health data sharing agreement between Nigeria and the United States of America.

The suit names the President of Nigeria, the Attorney-General of the Federation and Minister of Justice, the Federal Ministry of Health and Social Welfare, the Senate President of Nigeria, and the Speaker of the Nigerian House of Representatives as defendants.
In the originating summons filed before the court, Adaafu is asking the court to determine whether the bilateral health cooperation Memorandum of Understanding signed between Nigeria and the United States violates the constitutional rights of Nigerian citizens, particularly their rights to privacy and protection of personal data.
According to court documents, the agreement, signed on December 19, 2025, permits the collection and transfer of sensitive health information of Nigerians to the United States.
The data reportedly includes medical records, blood samples, pathogen testing information, and DNA or genetic sequencing data.
The plaintiff argued that while only a summarized version of the agreement has been made public, a related Specimen Sharing Agreement allegedly obliges Nigeria to provide biological samples and related data to the United States within five days of request and could remain in force for up to 25 years.
He contended that such an arrangement, if implemented, would violate the National Health Act 2014, which guarantees the confidentiality of patients’ medical records, as well as the Nigeria Data Protection Act 2023, regulating the processing and cross-border transfer of personal data.
The suit further argued that the agreement breaches Section 37 of the Constitution of the Federal Republic of Nigeria 1999, which guarantees the privacy of citizens.
Adaafu also raised concerns about statements suggesting that the programme would provide substantial support to Christian faith-based healthcare institutions.
According to him, the inclusion or perceived emphasis on religious affiliation within a national healthcare framework is unnecessary, constitutionally questionable, and capable of triggering avoidable social tension in a multi-faith society such as Nigeria.
He argued that healthcare interventions funded through international cooperation must remain neutral, inclusive, and accessible to all Nigerians regardless of religion, ethnicity, or social background.
Another issue raised in the suit is the alleged exclusion of the National Assembly of Nigeria from the process.
The plaintiff maintained that international agreements with significant national implications must undergo legislative scrutiny and approval before implementation.
Among the reliefs sought, Adaafu asked the court to issue an order prohibiting discriminatory agreements based on religion, ethnicity, or other protected characteristics.
He also requested a declaration that the agreement violates both the National Health Act 2014 and the Nigeria Data Protection Act 2023.
In addition, the plaintiff is seeking an order suspending the implementation of the agreement, which is scheduled to commence on April 1, 2026.
Explaining the reason for filing the suit, Adaafu said he decided to approach the court because of the potential implications of the agreement on the privacy, sovereignty, and constitutional rights of more than 200 million Nigerians.
He noted that the issues raised in the suit deserve public awareness and national discourse, stressing that transparency and accountability are necessary in matters involving citizens’ sensitive medical and genetic information.
General News
Indomie Backs 15-Year-Old’s Guinness Record-Bound Ride to Raise Autism Awareness

Nigeria’s leading instant noodle brand, Indomie, is backing a cross-country cycling journey by 15-year-old autism advocate Kanyeyachukwu Tagbo, who is embarking on a Guinness World Record-bound ride from Enugu to Lagos to raise awarenessabout autism and promote inclusion.

Tagged “Journey of Possibility, #RideWithKanye,” the expedition will see the young cyclist travel across several Nigerian cities as he advocates for greater understanding and support for individuals living with Autism Spectrum Disorder and their families.
The initiative represents an official attempt to set a milestone with Guinness World Records as the youngest autistic individual to complete a cross-country cycling journey.
The ride is scheduled to conclude in Lagos on World Autism Awareness Day, reinforcing the global call for empathy, acceptance, and opportunity for people on the autism spectrum.
Speaking on the brand’s involvement, Temitope Ashiwaju, Group Corporate Communications and Events Manager, said the initiative reflects Indomie’s enduring commitment to celebrating courageous Nigerian children and amplifying stories that inspire hope.
“At Indomie, we believe every child deserves the opportunity to dream boldly and achieve extraordinary things,” he said. “Kanyeyachukwu’s journey is a powerful reminder that determination and talent can transcend limitations. We are proud to support his mission to inspire understanding, acceptance, and hope for individuals living with autism.”
Kanyeyachukwu first captured national attention when he was recognised at the Indomie Heroes Awards, an initiative by Indomie that celebrates courageous Nigerian children who have demonstrated exceptional bravery, resilience, and impact in their communities.
Since receiving the recognition, he has continued to use advocacy, creativity, and public engagement to reshape perceptions about autism and inspire conversations around inclusion.
Through the “Journey of Possibility,” Kanyeyachukwu hopes to demonstrate that individuals on the autism spectrum possess extraordinary potential when given the opportunity and support to thrive.
As a key supporter of the initiative, Indomie will provide branded cycling kits and support materials for cyclists accompanying him throughout the route, alongside financial support and brand activations at designated stops along the journey.
These engagements will include community interactions aimed at educating the public, encouraging dialogue, and fostering broader participation in autism advocacy.
To ensure the young cyclist’s safety and well-being throughout the expedition, a dedicated safety, medical, and logistics team will accompany the ride.
Host communities along the route are also expected to organise welcome receptions and awareness activities as the team passes through their cities.
The journey will culminate in a celebratory reception in Lagos, bringing together supporters, advocates, community leaders, and partners to mark the completion of the ride and reinforce the call for greater awareness and inclusion for people on the autism spectrum.
Through initiatives like the Indomie Heroes Awards and its support for the “Journey of Possibility, #RideWithKanye,” Indomie continues to champion young Nigerians whose courage, determination, and achievements demonstrate the limitless possibilities that emerge when children are empowered to pursue their dreams.
General News
Interswitch Advocates Trust-Driven Infrastructure as Cornerstones of Africa’s Cross-Border Capital Future

Interswitch Group, one of Africa’s leading integrated payments and digital commerce companies, has reaffirmed its commitment to advancing a seamless and inclusive financial ecosystem across the continent at the recently concluded Inclusive Fintech Forum 2026, which held at the Kigali Convention Centre, in Rwanda from 10 -12 March 2026.

Speaking during a high-level session themed “Financial Centres & the Future of Cross-Border Capital” Akeem Lawal, Managing Director, Payments Processing & Switching (Interswitch Purepay), highlighted the critical factors shaping the next phase of financial integration across Africa.
He noted that while rapid advancements in digital technology have made it possible for capital to move across borders at unprecedented speed, the ultimate destination and impact of such capital flows are determined by trust, robust infrastructure, and strategic collaboration.
According to Lawal, as Africa’s economies continue to digitize and integrate, stakeholders must prioritize building resilient payment systems and fostering partnerships that enhance transparency, interoperability, and shared prosperity.
He emphasized that sustainable growth in cross-border financial flows will depend not only on technological innovation but also on the collective ability of institutions to inspire confidence and enable seamless transactions at scale.
Throughout the forum’s engagements, Interswitch, as one of Africa’s leading and pioneering digital technology enablers reiterated its long-standing vision of fostering a prosperous and interconnected Africa. The company continues to champion the development of a secure, technologically advanced digital payments ecosystem designed to connect and empower individuals, businesses, governments, and communities across the continent.
Participation at the Inclusive Fintech Forum underscores Interswitch’s strategic focus on driving thought leadership, strengthening regional collaboration, and supporting initiatives that accelerate financial inclusion and economic resilience.
As Africa navigates the evolving landscape of digital finance and cross-border commerce, Interswitch remains committed to delivering innovative solutions and partnerships that unlock opportunities for growth and shared value creation.
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