General News
(Opinion) How educators can help stem the tide of cyberbullying
By Akin Banuso, Country Manager, Microsoft Nigeria,
It’s perhaps one of the great paradoxes of our time – the opportunities that technology presents come with complexities that can be difficult to navigate. Nowhere is this more evident than in today’s classrooms. Whiletechnology is helping transform the learning experience in profound ways, it can also leave students exposed to significant online risk if the right measures aren’t in place.
A recent survey on online bullying in the Middle East and North Africa revealed the depth of the challenge educators and parents face, highlighting that at least 85 percent of UAE children have been bullied online.
In Nigeria, the government has addressed this plight through the provision for an Act that protects people from cyberbullying. However, there is much that still needs to be done in curbing cyberbullying by providing effective means of prosecuting cases in this regard and by raising awareness of the Cybercrimes Act in order to encourage victims of to report the offenders.
As a means of dealing with a wide variety of technology-based threats, the National Assembly enacted an Act called The Cybercrimes (Prohibition, Prevention, Etc.) Act 2015 Cybercrimes (” Cybercrimes Act”) with the purpose of providing an effective and unified legal, regulatory and institutional framework for the prohibition, prevention, detection, prosecution and punishment of cybercrimes in Nigeria. It’s worth noting there two specific forms of cyberbullying have been criminalised – cyberstalking and racial and homophobic offenses.
Vast research has showed that children lack the necessary supervision required to effectively safeguard them from becoming victims of any form of cyberbullying. While parents have a role to play in limiting and supervising access to the internet, educators can also make a key difference. The more teachers are equipped themselves to deal with cyberbullying, the better the chance we have of combatting the online threat. In fact, there are several powerful ways we as adults can intervene in the cycle of online bullying.
Helping to prevent cyberbullying begins with listening to children. Ask them to talk about their lives. Sit with younger children while they play and explore online. It’s a good idea to regularly ask tweens and teens to show you around the websites they visit, where they hang out, who with, and how they talk to each other. This is particularly important in a school setting, where online activities should be closely monitored so that appropriate online behaviour can be encouraged.
There are also ways of watching out for signs of online cruelty. This typically involves taking note when children get upset while online or texting, or when they have a reluctance to be at school. At the same time, teachers can keep an eye out for children being mean to others online.
Greater awareness around the consequences of bullying can assist in discouraging a culture of cyberbullying. Help children understand that cyberbullying can get them into serious trouble. In some cases, this might even involve legal ramifications. At the same time, encourage them to think about the psychological effects cyberbullying might have on others.
Its important children feel they can report cyberbullying to you. Microsoft’s recent Digital Civility Index reveals that while cyberbullying is frequently listed as one of the most painful online risks, just 56 percent of teens in Turkey and 46 percent in South Africa ask for help when dealing with an online threat.
To counteract this, adults need to promise unconditional support. Part of this involves reassuring children that you won’t curtail phone, gaming, or computer privileges because of others’ behaviour. In the context of a classroom specifically, this would also involve providing students with an anonymous platform from which they can report cyberbullying.
One of the most effective ways to prevent online bullying is social and emotional learning—the process through which we learn to build strong relationships and develop healthy boundaries and self-perceptions.
Key to this is promoting empathy and kindness. Actively teach thoughtfulness. This can help students understand how small, thoughtful actions can make a huge difference in others’ lives.
Educators can even advocate for empathy training at school or start a kindness campaign within their classrooms. This could be as simple as each student agreeing to do one kind thing a day, or it could have a much broader scope, such as developing a programme to challenge a culture of criticism with the school. Similar campaigns can be replicated at home or even in a broader neighbourhood.
As a teacher, you can collaborate with other educators to create programmes that explicitly address social-emotional skills. In fact, collaborative learning platforms can enable students to work together respectfully and to negotiate as they co-create. For example, by having students learn how to accommodate the needs of others when creating worlds in Minecraft, teachers can find opportunities to develop deeper emotional literacy and introduce strategies to resolve challenges or understand perspectives.
Like teachers, parents have a critical role in identifying and stopping cyberbullying. As a parent, you might be surprised how difficult it can be for a child to admit, even to you, that they are being bullied. To help them get past this, create an environment that allows them to feel safe to tell you the full story. From there, together, you can come up with a plan of action. Encourage your child not to retaliate and to rather ignore or block the bully. Save the online discussions as evidence just in case it escalates to threats of violence and the police need to be involved. Approach their teacher or school counsellor and find out what steps can be taken to prevent it from happening in the future.
Reassure your child that they always have your support and shouldn’t feel ashamed. Get them involved in activities that make them feel good so that they can move on and heal from the incident.
At the end of the day, combatting online risks like cyberbullying begins with promoting digital civility and helping one another to be responsible digital citizens.
Nigeria powered Jumia Technologies AG’s strongest growth in 2025, cementing its position as the company’s most important market as rising consumer demand, SME activity and logistics expansion boosted performance across the e-commerce platform.
In the fourth quarter of 2025, Jumia’s Nigeria operations recorded a 50% year-on-year increase in Gross Merchandise Value (GMV) and a 33% rise in orders. The performance highlighted growing adoption of online shopping and Jumia’s increasing relevance to African consumers.
Nigeria’s momentum helped drive 36% year-on-year GMV growth and 34% revenue growth across the group in the quarter, alongside a 26% increase in quarterly active customers. Growth was supported by stronger customer retention and higher order frequency.
Beyond sales growth, Jumia said its Nigeria operations are delivering wider economic impact. The platform supports thousands of local SMEs, enabling them to reach customers nationwide, while continued investment in fulfilment centres and last-mile delivery is creating income opportunities for logistics partners and sales agents.
Efficiency gains were also evident. Fulfilment costs per order declined 12% year-on-year, contributing to a 39% reduction in operating losses and a 47% drop in adjusted EBITDA losses in the fourth quarter. Cash used in operating activities fell sharply to $1.7 million, compared with $26.5 million a year earlier, while liquidity stood at $77.8 million at year-end.
Temidayo Ojo, Chief Executive Officer of Jumia Nigeria, said the results reflect growing trust from consumers and businesses. “Nigeria is central to Jumia’s growth,” Ojo said. “Each order supports local sellers, delivery partners and jobs, while improving access to affordable products for consumers.”
For the full year, Jumia reported 14% GMV growth and 13% revenue growth, with losses narrowing significantly. Looking ahead, the company expects Nigeria to remain a key growth driver as it targets 27–32% GMV growth in 2026 and aims to reach adjusted EBITDA breakeven by the fourth quarter of 2026.
This Valentine’s Day, PalmPay is celebrating love in all its forms with the launch of #LoveWithPalmPay, a campaign highlighting how simple, everyday shared money moments can bring relationships closer.
Valentine’s Day is more than grand gestures; it’s built on the small, meaningful actions that shape relationships, sending timely support, saving together, or managing shared responsibilities. PalmPay encourages users to share 30–60 second real-life stories, either solo or duet style, showing how PalmPay always works and has helped them support or stay connected with someone they love.
The campaign runs from February 9th to 21st across Facebook, Instagram, X (formerly Twitter), and TikTok. Four winners will receive ₦100,000 each week for two weeks, totalling a prize pool of ₦800,000.
Entries can take many forms, including couple videos, solo stories, split-screen duets for long-distance couples, or voiceover narratives with photos or clips, making the campaign inclusive for married couples, parents, and long-term partners.
How to Participate:
- Share an authentic love story about your partner
- Clearly show PalmPay in action (transfers, savings, or other in-app activities)
- Be creative and emotionally engaging
- Post between February 9th – 21st with the hashtag #LoveWithPalmPay
- Share on any of PalmPay’s social media platforms
“Love evolves, and so do relationships,” said Olorunfemi Hanson, Head of Marketing and Communication, PalmPay. “From dating to parenthood, the small money moments we share every day play a big role in keeping us connected. With #LoveWithPalmPay, we want to celebrate those stories and show how PalmPay always works, making everyday love simpler, reliable, and meaningful.”
This Valentine’s Day, PalmPay celebrates love as it truly is real, intentional, and built on shared moments.
PalmPay is a leading digital banking platform driving financial inclusion and economic empowerment in underserved emerging markets. Through its secure, user-friendly, and inclusive suite of financial services, PalmPay empowers individuals and businesses with tools to manage and grow their money.
PalmPay offers a comprehensive range of products, including mobile payments, savings, and micro-insurance via its app and mobile money agent network.
Since launching in Nigeria in 2019 under a Mobile Money Operator license, the platform has grown to over 35 million app users and processes up to 15 million transactions daily. PalmPay has operations in Nigeria, Ghana, Tanzania, and Bangladesh. For more information, visit www.palmpay.com
Central Bank of Nigeria (CBN)and the Nigerian Communications Commission (NCC) have proposed that customers must receive refunds within 30 seconds for failed airtime and data purchases to curb persistent billing complaints in the telecommunications sector.
This was indicated in the Exposure Draft of the Joint CBN–NCC Framework for Resolution of Failed Airtime and Data Purchase Transactions, which was published on the website of the CBN on Monday.
The landmark exposure draft, dated 5 February 2026, seeks to “institutionalise clear accountability” and establish a “coordinated approach to consumer redress” across the financial and telecommunications sectors.
The most significant shift in the proposed framework is the introduction of standardised, automated timelines for resolving failed transactions.
Currently, Nigerians often face long delays when airtime purchases fail at the bank, aggregator, or Mobile Network Operator level.
To solve this, the regulators have proposed a 30-second window for automated reversals. Section 6.0 (ii) of the draft exposure, which dwelt on failed transactions, especially as it relates to unfulfilled airtime/data delivery, proposes a time to refund the purchaser of 30 seconds “if the transaction failed at the bank level… Failed transaction delivery from NCC Authorised Licensees… Failed transaction delivery from MNO to the NCC Authorised Licensee.”
The draft emphasised that stakeholders must “automate reversal processes across all stakeholders” to ensure that refunds require no human intervention from the customer.
The draft exposure also stated that “all parties involved in airtime and data transactions shall take the following actions to ease usage and facilitate consumer satisfaction: a. Stakeholders must immediately connect ONLY to relevant authorised licensees of the NCC and CBN. b. MNOs and banks must only connect to NCC Authorised Licensees/MNO digital channel partners for airtime and data vending… Notifications of failure create final settlement obligations between MNO and NCC-authorised licensees… The NCC and CBN will audit stakeholder compliance jointly or individually at quarterly or other intervals as may be determined.”
From a business and oversight perspective, the regulators are proposing a Central Monitoring Dashboard to be hosted jointly by the CBN and NCC, which will track reversals, Service Level Agreement breaches, and customer complaints in real-time.
“There shall be a Central Monitoring Dashboard hosted by CBN/NCC for tracking reversals, SLA breaches, and customer complaints. This will facilitate the establishment of a real-time national ‘Failed Transactions Dashboard’ with a uniform error code with end-to-end visibility across the value chain’, read the draft exposure.
This is designed to eliminate the “unclear ownership of liability” that often occurs when banks and telcos blame each other for failed recharges. To support this, banks and MNOs will be required to maintain and share daily reports of successful and failed cases.
The proposed framework also addresses the common problem of “lost” money when customers recharge ported phone numbers. The draft mandates that MNOs must validate a phone number against the ported number database before processing any recharge. If the system identifies a number as ported out or invalid, it must “proactively stop recharges” and send a failure code back to the bank to ensure the customer is not debited.
For erroneous recharges sent to the wrong person, the framework sets clear protocols: below N20,000, MNOs will request the recipient’s consent before a reversal, and when it is above N20,000, an affidavit of indemnity or notarised letter is required to process the recovery.
The CBN and NCC in the exposure draft signalled they will take a firm stance on compliance. Both agencies will conduct joint quarterly audits of all stakeholders, including banks, payment service providers, and MNOs, to verify compliance with the new rules. The regulators have warned they will “impose penalties for any breach” of the framework’s provisions.
Banks and other financial institutions have until 10 February 2026 to submit their inputs on the draft before it is finalised. Once implemented, the framework is expected to significantly restore “subscriber trust” in Nigeria’s digital financial ecosystem.
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