E-Business
The Future of Digital Payment is Now

By Adeniyi Ogunfowoke,
Digital payment has evolved beyond what happened in the past. Before its revolution, Nigerians had to carry cash around to pay for transactions, buy airtime, or even pay for DSTV subscriptions. Today, businesses and consumers have embraced technology to satisfy consumer demands to do things more efficiently, and with less time.
According to the latest data from the Nigeria Inter-Bank Settlement System Plc (NIBSS) reveals that the volume of electronic payment for utility bills, airtime top-up, cable TV, hotels and airlines, among others, grew by 55 per cent to reach 134,656 transactions in January this year from 87,076 transactions in the corresponding month in 2017.
Within this space, there are a number of players who are championing this cause through attractive and irresistible incentives to encourage consumers who are already comfortable paying for these services offline; some even have the contacts of the service providers, whom they beckon on anytime there is a need for such services. There is no doubt that one of the most difficult aspect of ecommerce is converting customers from offline to online, or plainly making them see why electronic payment makes life easier for them, not forgetting the cost-saving benefit.
Among such online merchants is one of Jumia’s revolutionary all-in-one, first-of-its-kind lifestyle App – Jumia One. The difference between Jumia One and other online platforms or Apps, or even banks, offering such services is that customers can pay for multiple digital services i.e. recharge airtime, pay bills (DSTV, PHCN, etc.), buy flight ticket, book a hotel, buy data, and many more.
Here are some of the ways Jumia is making digital payment attractive to Nigerians.
Enjoy 5% Cashback Bonus on Airtime & Data
Get 5% instant bonus as cashback on all your Airtime and Mobile Data recharges; up to ₦2500 cashback on each purchase!
Pay Zero Fee on Bills
Pay ZERO service fee on utility bills like DSTV, GoTV, Startimes, Kwesé TV, Smile, Swift, Spectranet, and electricity bills by saving ₦100 on each transaction.
Save Time and Money
Jumia One is the ”All-in-One” lifestyle App, where you can get access to different services in one click. Jumia One connects you to your favourite services faster and easier. You also get to save more whenever you use the App to make transactions.
Highly Secured Mode of Payment
One of the best things about the app is that, after your first login, you can access the app via your fingerprint or pattern lock. Also, no payment is completed on the app without sending an OTP (One Time Password) via a registered phone number or email, that way you can be assured no unwanted transactions can be performed. You also get an email for every transaction performed on the app.
Instant Refunds
You get an instant refund whenever a failed or incomplete transaction occurs.
Send Airtime & Data and Get Instant Cashback
Get an amazing 5% cash back each time you recharge your phone or send airtime to your loved ones. Whenever you purchase a data plan or buy a recharge card from MTN, Glo, Airtel and 9Mobile with Jumia One, you instantly get 5% of your cash back on every transaction you make.
All of this reaffirms the importance of digital transformation and its vital role in business evolution. And clearly, with the increase in digital payments, Jumia is also helping to bridge the gap between the banked and the unbanked and at the same that promoting the cashless policy of the Central Bank of Nigeria.
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.
E-Business
Nigeria, Finland Sign Cybersecurity Pact

Nigeria and Finland have signed a Memorandum of Understanding (MoU) on digitalisation and innovation, prioritising stronger cybersecurity cooperation amid a surge in cyberattacks targeting Nigerian institutions.

The agreement was formalised in Abuja on Monday between Dr Bosun Tijani, Nigeria’s minister of communications, innovation and digital economy, and Jarno Syrjälä, Finland’s under-secretary of state for international trade.
The MoU focuses on cooperation in digital governance, technology infrastructure, and cybersecurity to drive economic growth and improve public services, says a statement issued on Monday by Isime Esene, special assistant to the minister.
The agreement is a significant step in strengthening bilateral relations and advancing Nigeria’s digital economy agenda, says Tijani.
He notes the MoU builds on engagements in Helsinki in February, which centred on Nigeria’s Data Exchange Platform and Finnish participation in Project BRIDGE (Building Resilient Infrastructure for Digital Growth and Empowerment).
The talks also involved key Finnish finance institutions, including Finnvera and Finnfund.
The partnership is expected to unlock new opportunities for innovation and investment, positioning digital technology as a catalyst for shared prosperity, says Tijani.
Finland is committed to supporting the development of resilient, secure, and human-centric digital systems in Nigeria, says Syrjälä. He adds that digitalisation should enhance public trust and empower citizens, noting that Nigeria remains a strategic partner for Finland in Africa.
The agreement complements Finland’s lead role in a €23 million Team Europe Initiative aimed at strengthening Nigeria’s digital public services.
This programme is implemented by Finland’s development agency, HAUS, in collaboration with Estonia’s ESTDEV, and supports the 3 Million Technical Talent (3MTT) programme.
The deal comes as Nigerian organisations record the highest number of cyberattacks in Africa. In January 2026, organisations experienced an average of 4 701 attacks per week, a 12% year-on-year increase, according to Check Point Research.
In response, authorities are developing the 2026 National Cybersecurity Policy and Strategy update.
Expected later this year, the framework will mandate minimum cybersecurity investment requirements for organisations operating critical national information infrastructure, notes the ministry.
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