E-Business
Enrolling for NIN, a National Call – Aziz, NIMC Boss

Perhaps never before in the history of nations has the issue of identity been as crucial as it is today. From Africa to America, Australia to Asia and Europe, how well or badly each country in each region has fared has depended largely on citizenship identity management. Stressing that Nigeria stands on the threshold of a new epoch in its identity management, ALIYU ABUBAKAR AZIZ, director-general, National Identity Management Commission (NIMC), responded to journalists’ questions on the Commission’s current focus aimed at delivering a world-class identity ecosystem for Nigeria:
Why is NIMC pushing the National Identification Number now more than the ID card?
Aziz: The focus of the National Identity Management Commission (NIMC) for the next three to five years is on the National Identification Number and not on the National e-ID Card.
We want to make the NIN understandable, acceptable, applicable and appreciated by Nigerians, as an important and intrinsic aspect of their entire life, rather than a physical card, which can be discarded while the number is for life.
Before now, we were focused on the Card but after the country went into recession, we decided to emulate other developed countries like the United States, which issues the Social Security Number, the United Kingdom, with the National Insurance Number; and India where they recently enrolled about 1.4 billion people, and issued them the Aadhaar.
In all these cases, the emphasis – or perhaps I should say the only thing in focus – is the number.
However, this does not mean that we won’t issue the cards, because it is there in our Act (NIMC Act, 2007) that we should issue a general multipurpose card to all registered Nigerians; therefore, we recently gazetted some regulations that will ensure participation of private partners in the Card personalisation services in order to handle the printing of the outstanding cards; but funding is a challenge.
Also, the intention of the Commission is to develop the identity ecosystem with all data collecting government agencies and licensed private agencies, in order to capture additional 50 million records by the end of 2018.

What advantages, if any, does having the NIN confer on a citizen?
Aziz: The NIN bequeaths citizens with a lot of privileges and benefits. And like most modern economies where the national identity number is a national token that gives citizens access to government social interventions, the NIN also grants citizens certain rights as regards financial access, credit facilities etc. Mind you, in the case of the US, UK and India I mentioned earlier, like other advanced economies, a citizen can’t access any social services such as health, insurance and so on, without the requisite social security number; the number is indispensable.
So, here in Nigeria, the NIN facilitates interactions between citizens, the Government and private sector institutions thereby promoting socio-economic and political development.
Since citizens enjoy a “one-person-one-identity” for life, the NIN therefore enhances citizens’ participation in the political process, enables citizens to exercise their rights, facilitates management of subsidies and safety net payments, Internally Displaced Persons (IDPs) management and facilitates service delivery in Ministries, Departments and Agencies.
It also enhances the work of law enforcement agencies, e.g. public safety, policing, national security and border protection, and eliminates ghost and multiple identities, etc.
It also enhances the ability of citizens to assert their identity, have access to credit from financial institutions, protects citizens from identity theft – an antidote to identity theft driven frauds which expands access to other financial services including insurance.
The NIN enhances e-commerce by providing a means of payment as it is a tool for non-repudiation and security for financial transactions. It facilitates financial inclusion, hence the advancement of a cashless economy.
In security circles, the NIN is an important tool for the fight against corruption and terrorism; and finally helps launder Nigeria’s image abroad, amongst many others. So you can see that the NIN is multifaceted in utility.

What role does the NIN play in Nigeria’s planning and security situation?
Aziz: With the NIN, all citizens enjoy a “one-person-one-identity”, which allows the government to search for an individual and all of his/her details either for planning and or for security purposes.
Government can query the database to ascertain how many unemployed individuals are in the system at Federal and State levels, the genders of those individuals, their occupation, skillset, age bracket, location, etc.
This will assist in planning for resources and benefit administration. As you know President Muhammadu Buhari has just signed the 2018 Appropriation Bill into Law; the NIN is a very useful and powerful instrument in assisting the governments – at all levels – budget appropriately for the citizenry, in the proper and effective allocation and spread of scarce resources.
On security, the relevant government security agencies are part of the National Identity Management System (NIMS) project from inception and have access to query the system using biometrics, etc to confirm individual’s identity.
Therefore, as soon as the National Identity Database is fully populated, all federal, state, and local government agencies as well as the private sectors can access the verification platform of the Commission, for different purposes, depending on the level of access granted to them by NIMC.
With the national elections of 2019 almost here, how useful will the NIN be for INEC and the electorate?
Aziz: As I said earlier, we are still harmonising data with all data collecting government agencies, as well as concluding plans to start the ecosystem approach which will see all government agencies and some licensed private sector companies collecting data and sending to the NIMC as the sole repository of biometric data.
This is expected to shoot up the record in the NIMC database by a huge percentage. Once we have a good figure, then INEC can leverage on the NIMC Database for electoral purposes.
The plans already on ground for this year include accelerated deployment of enrolment Centres in all Local Government Areas across the 36 States and the Federal Capital Territory, and enrolment of all Nigerians and legal residents including children.
Perhaps you know that children from birth can now be enrolled; this is a point that Nigerians should be aware of, especially with several babies being born across the country daily.
Parents will do well to avail themselves for the benefit of the new-borns of this window of enrolment opportunity that is now uniquely available.

What are those social services that the NIN has become mandatory for?
Aziz: Pursuant to section 27 (1) and (2) of the NIMC Act, 2007, transactions including, applications for, and issuance of an International Passport; opening of individual and/or group bank accounts, all consumer credits; purchase of insurance policies; the purchase, transfer and registration of land by any individual; National Health Insurance Scheme, such transactions that have social security implications, registration of voters, payment of taxes, and pensions, etc., will be done with the NIN.
With the recent gazette and publication of the Mandatory Use of the National Identification Number (NIN) Regulations, 2017, the Commission will on a later date, begin enforcement of the NIN for these transactions and more.
Our advice to Nigerians is: do not wait till you have to, go out there and be enrolled before you have to through enforcement, because then you will have to experience crowds and delays.
NIMC has enrolled just 30 million Nigerians so far; with a population of 180 million to 198 million, what is NIMC doing to fast track enrolment?
Aziz: We currently have about 30.5 million data in the database with the figures growing daily. The gradual acceptance of the NIN as a means of identification by our partners and stakeholders is also driving up the numbers by the day.
For examples, organisations like the Federal Road Safety Corps (FRSC), Nigerian Immigration Service (NIS), National Hajj Commission of Nigeria (NAHCON), Federal Capital Territory Administration (FCTA), etc have all made the NIN a mandatory requirement for service delivery. Others are expected to follow suit.
On our part however, we have commenced aggressive and massive awareness campaign in all the states and the FCT to mobilise people for enrolment.
We are also working closely with the National Orientation Agency (NOA), the Federal Radio Corporation of Nigeria (FRCN) and other media partners with a special target on the grassroots, and it will continue for a long time, particularly with the ecosystem approach being canvassed by the World Bank and its allies.
Also, we have the mobile enrolment equipment which goes to some of the riverine and difficult terrains in the grassroots areas; and a good number will be rolled out by the end of this year.
Is there any hope that the entire Nigerian population will be enrolled into the National Database?
Aziz: Yes, of course! However, enrolment of eligible citizens and legal residents into the National Identity Database (NIDB) is an on-going and continues process.
In other words, there is no limited or specific time frame for all citizens to be enrolled and issued the NIN, because even after enrolling all citizens, there will always be new ones such as new born babies, etc.
According to a recent World Bank report, Nigeria adds seven million into the population every year; that is the size of Rwanda as a country. This means that there will always be enrolment year in, year out. So it is a continuous exercise and the Commission is poised to carry out its mandate to the letter.
NIMC, by design has offices in all the 774 Local Government Areas (LGAs) and maintains active presence with enrolment centres in over 930 locations across these LGAs. More so, we are working to open more enrolment centres and take enrolment closer to the people, especially the grassroots.
What are the challenges that could delay the quick enrolment of the remainder of the population which is obviously the greater number?
Aziz: Well, the cynicism from the experience of the past was/and is still a big challenge.
However, we are gradually moving away from that problem as more Nigerians understand the difference between Card issuance and Identity Management.
Secondly, the high cost of opening and managing the Enrolment Centre because of needed stable power supply, active internet connection, low morale on the part of staff because of poor salary structure, the ‘expectation gap’ of “Card” issuance, are other challenges.
However we are slowly moving past these challenges as we ramp up more data into the database.
As citizens, what is the responsibility of Nigerians in ensuring they are enrolled?
Aziz: It is a National call, and all Nigerians are obliged to respond. The government has provided the opportunity, this platform for enrolling into the National Identity Database, to make life better in a modern, well managed and planned manner; the NIN gives the citizens that assurance.
So, if the government has done so much, and all the citizens are required to do is to go out and answer the national call, does anyone have any excuse not to answer the call?
E-Business
Firm Identifies AI as Common Denominator in Entertainment Industry’s 2026 Security Threats

In its Kaspersky Security Bulletin, the cybersecurity company’s researchers identified critical threats expected to affect the global entertainment industry in 2026, from ticketing and visual effects pipelines to content delivery networks, games and regulation.

Artificial intelligence is changing how people buy tickets, watch movies and play games – and it is also changing how malicious actors target those experiences.
The entertainment industry is particularly sensitive to AI because the technology does not only automate back-office workflows; it increasingly creates and imitates the core product itself – human-centered stories, performances and visual experiences.
Kaspersky researchers highlighted five critical threats emerging as AI integrates deeper into entertainment workflows and consumer experiences.
What happens when ticket markets become an arms race between algorithms and scalpers? Kaspersky predicts that AI will make dynamic pricing faster and more granular, while also giving scalpers better tools to identify profitable events, deploy bots at scale and manage resale pricing across multiple platforms.
Even when artists choose fixed face values, AI-driven resellers can recreate “dynamic” pricing on secondary markets by adjusting prices in real time based on demand signals.
How will AI-commodified visual effects affect the risk of leaks? As high-end computer-generated imagery becomes more accessible through cloud-based AI platforms, studios will connect to larger networks of small vendors and freelancers.
Kaspersky expects attackers to target this extended supply chain by compromising render farms, plug-ins or small post-production houses in order to quietly steal sequences, assets or episodes before release, bypassing more heavily protected studio environments.
Could content delivery networks become a direct target? CDNs now carry unreleased episodes, game builds and live streams for many major entertainment brands, concentrating valuable content in a small number of providers.
AI-enhanced attackers will be able to map CDN infrastructure more efficiently, locate where premium content resides and search for weak credentials or configuration errors. A single successful compromise could expose multiple titles at once or allow malicious code to be injected into legitimate streams.
How will generative tools change abuse patterns in games and fan communities? Players and power users will continue to jailbreak in-game AI companions and content editors, and to use external generative models to produce material that would normally be blocked – such as hyper-violent or sexualized scenarios – and then reimport it into games, mods, or fan videos.
There is also a risk of personal data appearing in “creative” outputs if training or fine-tuning data is not properly cleaned, for example, when lyrics, dialogue, or imagery inadvertently include real names or other identifying details.
What role will regulation and compliance play for AI in creative work? Lawmakers and industry groups are moving toward rules that require transparency about AI-generated media and clearer consent and licensing practices for training on copyrighted material.
Kaspersky expects this to drive the creation of new roles inside entertainment companies, similar to COVID-compliance managers on film sets, focused on AI governance: checking how AI tools are trained, how they are used in production and marketing, and whether they comply with contractual and legal requirements.
“As we examined different parts of the industry, it became clear that AI is the thread running through most of the emerging risks.
“By diving into this, we wanted to highlight that AI will not only help defenders detect anomalies faster, it will also help attackers model markets, probe infrastructure and generate convincing malicious content.
“Studios, platforms and rights holders need to treat AI systems, and the data behind them, as part of their core attack surface, not just as creative tools, and build security and governance around that reality,” said Anna Larkina, web content analysis expert at Kaspersky.
E-Business
Firm Detected a Fivefold Surge in QR Code Phishing Attacks in the Second Half of 2025

Kaspersky has reported a spike in phishing emails containing malicious QR codes. Detections for these jumped from 46,969 in August 2025 to 249,723 in November 2025 – a more than fivefold growth – as cybercriminals increasingly exploit QR codes, a trend that will likely continue in 2026.

Attackers use QR codes in emails more frequently because they provide a simple and cost-effective way to conceal malicious URLs, evading detection by many protective solutions.
These QR codes are often embedded directly in email bodies or, even more commonly, within PDF attachments – an evolution that both masks phishing links and encourages users to scan them on mobile phones, which may have weaker security than work PCs.
Malicious QR codes commonly appear in mass phishing campaigns as well as targeted ones. Links embedded within them may lead to:
- Phishing forms impersonating login pages for services like Microsoft accounts or internal corporate portals, designed to steal usernames, passwords, and other credentials.
- Fake HR notifications urging employees to review or sign documents, such as vacation schedules, or even view lists of terminated staff, ultimately directing to credential-stealing sites.
- Fraudulent invoices or purchase confirmations in PDF attachments, often combined with vishing (voice phishing) tactics that prompt victims to call provided phone numbers to “cancel” or clarify the transaction, enabling further social engineering attacks.
These tactics exploit trust in routine business communications, leading to credential theft, account takeovers, data breaches, and financial fraud.
“Malicious QR codes have evolved into one of the most effective phishing tools, particularly when hidden in PDF attachments or disguised as legitimate business communications like HR updates.
“The explosive growth in November 2025 highlights how attackers are capitalising on this low-cost evasion technique to target employees on mobile devices, where protection is often minimal.
“Without advanced image analysis at the email gateway and safe scanning practices, organisations are left vulnerable to credential compromise and downstream breaches,” comments Roman Dedenok, Anti-Spam Expert at Kaspersky.
To defend against this escalating threat, Kaspersky recommends educating employees on cybersecurity and deploying a mail server security solution such as Kaspersky Security for Mail Server that provides trusted and secure corporate email exchange, countering spam, email-borne infections, all forms of phishing, business email compromise (BEC), QR code attacks, and other threats.
E-Business
JustMarkets Unveils Top 5 Trading Assets for 2026 Profits

As the world markets continue into a new cycle that sees them plunging into much trouble and uncertainty, the year 2026 beckons to be one that is ridden with high uncertainty and volatility in terms of geopolitical and macroeconomic trends. Although the year may pose various threats to traders, it also comes along with unparalleled opportunities that may be leveraged to achieve trading success through various trading assets set to display notable volatility trends in the year 2026.

JustMarkets
From long-term fundamentals to trading dynamics, these five key assets on JustMarkets are set to continue to be at the forefront in trading in 2026.
1. Gold (XAU/USD): The Ultimate Macro-Driven Asset
The gold price in 2025 reached $4,500 per troy ounce, and it continues to be one of the most traded assets world-wide. Gold is extremely sensitive to changes in the levels of inflation, interest rate forecasts, geopolitical events, and currency exchange rate movements. The recent years have shown the ability of the gold market to provide an extremely strong bullish momentum, as well as intraday momentum.
The relevance of the market of gold in the year 2026 specifically stems from the fact that the environment surrounding the economy of the world is facing challenges associated with growth, debt, and the policies of monetary easing. Despite the falling inflation rate in the economy, the real interest rates are also expected to be pressured downward, which has traditionally translated to favorable market conditions for the price of gold. The factor of geopolitics uncertainty and tensions between specific countries also adds to the significance of the market of gold.
For traders, the market offers favorable conditions because of its high volatility regime with adequate liquidity.
2. Silver (XAG/USD): Volatility with a Dual Personality
Silver often overshadows gold, but its performance in 2025 significantly outperformed its main competitor. The precious metal briefly reached $85, making it one of the best-performing assets in 2025. While silver, like gold, is sensitive to monetary policy and market sentiment, it also enjoys strong industrial demand related to energy transition technologies, electronics, and manufacturing.
This dual nature makes silver one of the most volatile and fastest-growing precious metals and trading instruments overall. In 2026, as global growth expectations fluctuate and industrial cycles remain uneven, silver will experience sharp directional movements and prolonged periods of volatility, but will fundamentally maintain a growth trend similar to gold.
For traders seeking high volatility, silver offers even greater percentage swings than gold, making it a powerful tool for well-managed strategies, both scalping and holding positions for multiple days.
3. Oil (WTI & Brent): Trading Supply, Politics, and Policy
Oil is still among the market-sensitive commodities. The change in OPEC+ production levels, global events affecting major oil-producing nations, as well as changes in global demand can cause prices to surge within a matter of hours.
Turning the focus on the outlook for the year 2026, it seems likely that the oil market will face well-supplied conditions. However, this will not mean extremely small degrees of volatility. Events surrounding Venezuela represent yet another key source of uncertainty. Changes within US policies regarding Venezuela, the export of oil, and the political leadership of the country could represent important influences on the levels of supply, especially when the focus shifts towards the heavier grades. Yet, the possibility of a substantial recovery looks very unlikely.
Even in highly saturated markets, surprise disruptions, production policy changes, or geopolitical tensions, particularly in the Middle East, Eastern Europe, and Latin America, can cause sharp price moves. Conversely, macroeconomic growth slowdowns or money market cycles may exert pressures on demands, thereby leading to highly two-sided markets.
4. US Stock Indices (Dow 30, S&P 500, Nasdaq): Liquidity and Trend Potential
US indices continue to be key trading assets in global trading activity. The Dow Jones, S&P 500, and Nasdaq reflect US economic performance, as well as global risk appetite, capital flows, and technological leadership, primarily driven by the AI boom.
In 2026, stock markets are likely to face divergent forces. On the one hand, monetary easing is supporting valuations, while slowing economic growth, declining interest in AI, and political uncertainty are increasing volatility and the risk of a deeper sell-off. This combination often leads to strong moves, deep corrections, and renewed all-time highs.
Indices offer unrivaled liquidity, clear technical behavior, and the ability to express macroeconomic views without the risk associated with individual stocks, making them important tools for both short-term and position traders.
5. EUR/USD: The World’s Most Traded Currency Pair
EUR/USD remains the benchmark for forex trading. Its deep liquidity, tight spreads, and technical clarity make it a favorite among professional traders. More importantly, the euro reflects the balance between the world’s two most influential central banks: the Federal Reserve and the European Central Bank.
As interest rate differentials narrow and fiscal dynamics shift on both sides of the Atlantic, there’s every reason to believe EUR/USD will experience prolonged and powerful trending phases, punctuated by strong reactions to economic data and central bank signals.
In 2026, shifts in growth expectations, inflation trajectories, and political developments in both regions will keep this pair highly active, making EUR/USD a preferred option for traders who value stability, transparency, and adaptability across all trading styles.
Perfect Assets to Trade in 2026
These five markets unite their relevance on a global stage, and the responsiveness of these markets to macroeconomic and geopolitical events. Markets traded in gold, silver, oil, US indices, and the currency pair EUR/USD include the combination of markets most traders seek: deep liquidity, clear structure, and meaningful volatility.
On the JustMarkets trading platform, these instruments excel because of the optimal trading conditions offered, ensuring effective active trading. Tight spreads, fast execution of orders, as well as high leverage of up to 3000, enable traders to react swiftly to key market drivers, such as central bank statements or inflation figures, as well as geopolitical events.
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