E-Business
Stakeholders Seek Mandate for Ejournal Implementation in PoS Terminals

Stakeholders in the electronic payment ecosystem have urged Central Bank of Nigeria (CBN) to mandate Payment Terminal Services Providers (PTSPs) to implement electronic journal at point of sale terminal transactions to restore confidence of merchants in the system.
They stated this at Point of Sale (PoS) Innovation Summit with the theme: “Expanding Retailers, Merchants Possibilities’, organized by Global Accelerex, a PoS vendor held in Lagos this week.
Tosin Eniolorunda, chief executive officer, TeamApt, while delivering a keynote at the summit identified some of the challenges merchants face in the use of Point of Sale as a means of payment, which include chargeback.
According to him, ‘chargeback is when a customer buys goods or service at a point of sale terminal and was debited but the POS did not print receipt showing a successful transaction, because it did not print a receipt, the merchant will refuse to give the customer the goods he requested for, while your account have been debited. In this situation, you will have to go to your own bank which is not the bank of your merchant and file a claim of your money that is called chargeback.’
“The problem is resolved today by your bank logging it against the merchant and the merchant bank needs to investigate if that claim is correct or not, if it is true he did not give the customer the value, he will attest to the bank that it is true and for his bank to return the money to the customer. If it is not true the bank will request for evidence that the merchant actually gave the customer the value.
“The evidence that is accepted today in the industry is a paper receipt. That paper that was printed from the PoS, you need to go and get it, scan it and attest to the bank you gave that customer his value for the money not to be refunded.
“Imagine a very larger merchant that prints a lot of receipts you need to be storing PoS receipts and that receipt fads away with time.
“This challenge is why merchants are crying about chargebacks because they cannot respond appropriately and have only three days to do that before they will be charged. The way to solve it is to prevent the merchants from needing to present receipt which is through e-journal,” he explained.
Electronic journal is ability of PoS to keep an evidence of all its transactions, when it keeps all those evidences; it sends them to a remote server at the bank of the merchant.
“POS has the capacity to do electronic journal. A regulatory push for PTSPs to implement e-journal will go a long way to addressing this problem. If regulator mandates that operators should implement e-journal in the next two months it will be done.
“What we have been doing in TeamApt is lobbying the PTSPs to implement this system. It is similar to the way ATM works today, when ATM didn’t pay you there is something that they check on the ATM to show if it is true or not. It is electronic journal of ATM where it keeps a record of all its transactions and sends it remotely.
Corroborating Eniolorunda, Emmanuel Akala, Finance manager, Prince Ebano supermarket, a merchant, decried the problem of chargeback in the ecosystem and urged stakeholders to address it for further growth in the system.
He also lamented the prevalence of network failure at PoS as well as settlement issues as capable of hindering merchants’ acceptance of PoS as a means of payment.
E-Business
NITDA Takes Over National Digital Architecture System

Nigeria has taken a major step toward strengthening its digital governance framework as the National Information Technology Development Agency (NITDA) officially assumes control of the Nigeria Government Enterprise Architecture (NGEA) infrastructure.

The handover ceremony held in Abuja, marks the culmination of a high-level partnership with the Korea International Cooperation Agency (KOICA).
This transition signals a shift from fragmented IT projects to a unified, disciplined approach to national digital investment.
The NGEA initiative forms a core part of the e-Government Masterplan 2.0 (Ne-GMP 2.0), aimed at establishing a unified and structured approach to managing government IT investments and digital resources.
The framework is designed to ensure that technology deployment across public institutions aligns with national priorities while improving efficiency and accountability.
With the system now operational, government agencies are expected to adopt more integrated digital processes, allowing seamless data sharing and interoperability.
This is anticipated to reduce duplication, strengthen risk management, and translate policy objectives into measurable digital outcomes.
Over the past two and a half years, Nigerian technical experts worked closely with their Korean counterparts to develop the architecture framework, create reference models, and execute pilot programmes in key institutions.
These include the National Identity Management Commission, Nigeria Customs Service, Nigeria Immigration Service, and NITDA.
Officials say the NGEA represents a shift from fragmented digital efforts to a more coordinated, citizen-focused system.
The infrastructure is hosted by Galaxy Backbone Limited, providing a secure and reliable platform for nationwide deployment.
Looking ahead, NITDA is expected to work with government stakeholders to expand and sustain the system, while the Federal Ministry of Communications, Innovation and Digital Economy will provide policy guidance to ensure its adoption across the country.
E-Business
FG Shifting Focus to “Meaningful Connectivity” to Drive Inclusion – Minister

Bosun Tijani, minister of Communications, Innovation and Digital Economy, has said the government is shifting focus from expanding access to ensuring “meaningful connectivity” that drives economic growth and inclusion.

Bosun Tijani, minister of Communications, Innovation and Digital Economy
The minister made the statement on Friday while addressing stakeholders at the inauguration of board members of the Universal Service Provision Fund (USPF) in Abuja.
He said that although Nigeria had made significant progress since the introduction of GSM services, millions of people, particularly in rural and underserved communities, remain either unconnected or unable to fully benefit from digital services.
Dr Tijani highlighted ongoing investments in digital infrastructure, including plans to deploy 90,000 kilometres of fibre optic network and nearly 4,000 telecom towers nationwide.
He said initiatives under the USPF had improved access through projects such as rural connectivity and digital facilities in schools but stressed that the next phase must prioritise effective usage.
“It is not enough to connect a community. We must ensure that schools can teach with digital tools and that small businesses can access market opportunities,” he said, citing a pilot project in the Kura community where connectivity has enhanced access to communication, education and healthcare.
Aminu Maida, executive vice chairman, Nigerian Communications Commission (NCC) also called for a shift towards meaningful connectivity, noting that while data usage had grown significantly, it remained concentrated in urban areas.
According to him, recent data shows that telecom usage has increased by about 160% over the past two years, largely driven by urban demand.
“When we drill down, we see that a lot of that growth is actually in urban centres. So, the gap between those who are not connected or not meaningfully connected is growing,” he said.
Dr Maida added that the trend underscored the need for the USPF board to intensify efforts to bridge both access and usage gaps across the country.
Both officials emphasised the importance of collaboration, sustainable investment models and improved digital literacy to ensure that connectivity translates into real economic benefits for Nigerians.
E-Business
Jury Finds Meta, Google Liable for Woman’s Social Media Addiction

A jury in Los Angeles has found technology companies, Meta and Google liable for contributing to a young woman’s social media addiction, in a case being described as a landmark ruling.

The 20-year-old woman, identified only as Kaley, argued that she became addicted to Google’s YouTube and Meta’s Instagram from an early age due to their attention-driven design features.
According to her testimony, she began using YouTube at the age of six after downloading the app on her iPod Touch to watch videos about lip gloss and online games.
Kaley told the court that she joined Instagram at nine, bypassing parental restrictions put in place by her mother, and spent extended periods on social media.
The trial, which lasted about a month, with arguments and evidence from both sides.
Jurors also heard testimony from Mark Zuckerberg, chief executive, Meta and Adam Mosseri, Instagram head.
However, Neal Mohan, YouTube chief executive, did not testify.
The jury found that the companies were negligent in the design of their platforms and failed to adequately warn users about potential harms. Meta and Google were ordered to pay the woman $3 million in damages.
Jurors also recommended additional punitive damages, including $900,000 against YouTube and $2.1 million against Meta, according to company spokespersons.
The jury apportioned 70 per cent of the responsibility to Meta and 30 per cent to YouTube.
Kaley was present in the courtroom when the verdict was delivered, alongside parents of other teenagers who say they were harmed by social media use. Both companies said they plan to appeal the decision.
“We respectfully disagree with the verdict and will appeal. Teen mental health is profoundly complex and cannot be linked to a single app. We will continue to defend ourselves vigorously as every case is different, and we remain confident in our record of protecting teens online”, a Meta spokesperson said.
José Castañeda, Google spokesperson, said the case misunderstands YouTube, which is a responsibly built streaming platform, not a social media site.
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