Telecom
Mastercard Partners Fletcher School Unveil Digital Intelligence Index

The Fletcher School at Tufts University, in partnership with Mastercard, have unveiled the Digital Intelligence Index, which charts the progress countries have made in advancing their digital economies, fostering trust and integrating connectivity into the lives of billions.
Building upon earlier editions in 2014 and 2017, this year’s index paints a picture of global digital development, sheds insight on key factors driving change and momentum, and unpacks what this means for economies facing the challenges of a global pandemic and post-pandemic future.
The 2020 study highlights that while economies like Nigeria remain in the Watch Out zone, young people are demonstrating high levels of digital engagement, a bright spot for governments attempting to expand digitalization in their economies who need to do more to nurture their digital economies and instill trust in their emerging digital ecosystems. The country is forecast to grow its 25 million smartphone user base to more than 140 million by 2025, exhibiting high levels of digital engagement in the future.
The Sub-Saharan African region, on the other hand, has led a mobile money revolution, making two-thirds of the world’s 37 billion mobile money transactions in 2019 demonstrating the potential for massive growth in digital economies.
Bhaskar Chakravorti, Dean of Global Business at The Fletcher School, said: “The pandemic may be the purest test of the world’s progress towards digitalization. We have a clearer view on how dynamic digital economies can contribute to economic resiliency during a time of unparalleled global turmoil and can be positioned for recovery and change.”
Other key findings include:
• With nearly two thirds of the world’s population online today,[1] we are entering an ‘after access’ phase, where access alone is not enough. Aspects such as the quality of access, effective use of digital technologies, accountable institutions, robust data governance policies and fostering trust are greater factors in determining digital competitiveness and sustainability.
• Young people in emerging economies are demonstrating high levels of digital engagement, a bright spot for governments attempting to expand digitalization in their economies.
Ajay Bhalla, president, Cyber & Intelligence, Mastercard, said: “Never before has there been such an acute need to understand the factors that drive digitalization and digital trust. With that knowledge, businesses and governments can work together to help all 7.6 billion people around the world benefit from the vast opportunities a digitally advanced economy can bring. Whilst much remains uncertain today, it is clear that digital success will be a key building block in our collective recovery.”
A Global Outlook on Digital Evolution and Trust
This year’s index looks at two components: Digital Evolution and Digital Trust. Digital Evolution captures an economy’s historical momentum from the physical past to the digital present. Digital Trust is the bridge that connects its journey from the digital present to an intelligent and inclusive digital future.
Mapping 95% of the world’s online population and drawing on 12 years of data, the Digital Evolution scorecard measures 160 indicators in 90 economies across four key pillars: institutional environment, demand conditions, supply conditions, and the capacity for innovation and change. These segment into four categories:
• Stand Out economies – Singapore, United States, Hong Kong[2], South Korea, Taiwan, Germany, Estonia, UAE, Israel, Czech Republic, Malaysia, Lithuania and Qatar – are both highly digitally advanced and exhibit high momentum. They are leaders in driving innovation, building on their existing advantages in efficient and effective ways.
• Stall Out economies – such as Sweden, United Kingdom, Netherlands, Japan and Canada – are mature digital economies with a high state of digital adoption despite slowing digital momentum. They tend to trade off speed for sustainability and are typically invested in expanding digital inclusion and building robust institutions.
• Break Out economies – such as China[3], India, Indonesia, Poland and Russia – are evolving rapidly along with Kenya, Cameroon, Ivory Coast, Rwanda, Tanzania and Ghana. With such momentum and significant headroom for growth, they are often highly attractive to investors.
• Watch Out economies – such as South Africa, Nigeria, Uganda, Ethiopia, Namibia, Colombia, Peru, Pakistan and Sri Lanka – have a number of infrastructure gaps. Despite this, young people are showing enthusiasm for a digital future with increased use of social media and mobile payments.
The Digital Trust scorecard measures 198 indicators in 42 of the index’s economies across four key pillars: behavior, attitudes, environment, and experience.
• Economies such as Brazil, Colombia and Mexico are beginning to build momentum on behavior scores, demonstrating substantial engagement on social media and other new technologies.
• Economies such as China, Indonesia and Vietnam have increasingly favorable attitudes about their digital future, buoyed by rapidly expanding digital adoption and opportunity.
• Economies with more mature approaches to digitalization and related policymaking such as Sweden, the Netherlands and Denmark shares measures that strengthen the trust environment, such as privacy, security and accountability policies. Citizens in these countries tend to have more optimistic attitudes around the future of digitalization.
• Economies such as United States, Hong Kong, Taiwan, South Korea and Singapore provide citizens with a near seamless experience, delivering the holy grail of advanced infrastructure, broad access and unparalleled interaction. This experience is matched by high levels of engagement, offering these economies a clear advantage in a ‘beyond access’ future.
The link to the full report and methodology can be found here. For more information and shareable content, please visit our digital press kit.
Telecom
MTN Suspends Data, Airtime Borrowing Service over New FCCPC Lending Rules

MTN Nigeria has announced the temporary suspension of its airtime and data advance service, Xtratime, following new regulatory requirements introduced by the Federal Competition and Consumer Protection Commission (FCCPC).

The telecom giant disclosed the development in a filing to the Nigerian Exchange Limited (NGX) on Thursday, stating that the move is necessary to comply with the FCCPC’s Digital, Electronic, Online or Non-Traditional Consumer Lending Regulations, 2025.
Xtratime, widely used by prepaid subscribers, allows customers to borrow airtime or data and repay on their next recharge.
In the disclosure signed by Uto Ukpanah, company secretary, the firm confirmed the halt, noting, “MTN Nigeria Communications PLC hereby notifies the Nigerian Exchange Limited and the investing public that the company has temporarily suspended its airtime and data credit advance service (‘Xtratime’).”
The company explained that the service now falls within the scope of the FCCPC’s expanded regulatory framework, which mandates fresh licensing and stricter compliance procedures for digital credit providers.
“The suspension relates to the implementation of processes under the Digital, Electronic, Online or Non-Traditional Consumer Lending Regulations, 2025, which introduced a new compliance and licensing framework for entities providing digital or non-traditional consumer credit services,” the statement added.
Despite the suspension, MTN reassured subscribers that alternative channels for purchasing airtime and data remain fully operational. It also downplayed the financial impact of the move.
“Given the scale within the revenue mix, we do not expect the temporary suspension to have a material impact,” the company said, adding that it is closely monitoring customer behaviour and will provide further updates in its first-quarter 2026 results.
The FCCPC’s 2025 regulations significantly broaden oversight of Nigeria’s digital lending ecosystem, bringing telecom operators and other providers of short-term credit services under stricter scrutiny. Companies offering such services are now required to register and obtain regulatory approval to continue operations.
The Commission had initially introduced a framework for digital lending in 2022, but expanded it in 2025 amid rising concerns over consumer debt, data privacy and lending practices.
Telecom
Nokia, Orange Partner on AI-native 6G Networks

Nokia and Orange are co-developing new strategies to maximise spectral efficiency across existing and future mobile bands, including the upper 6 GHz range, as networks transition toward 6G.

This follows an announcement of a partnership with NVIDIA to develop and evaluate Artificial Intelligence Radio Access Network (AI-RAN) technologies.
The initiative will combine the anyRAN 5G software of Nokia with the AI infrastructure of NVIDIA to improve network performance and energy efficiency.
The collaboration aims to transform service delivery for Orange across Europe, the Middle East, and Africa, says Nokia.
Under a new structured co-innovation framework, the partners will explore how GPU-based radio processors can boost performance via advanced receivers.
The goal is to integrate artificial intelligence (AI) directly into the RAN to automate environments, support sensing services and drive resource utilisation.
“By collaborating with Nokia and NVIDIA, we can better understand how the AI-native architecture enabled by AI-RAN can improve the efficiency of key radio algorithms such as scheduling, beamforming, and power optimisation — enhancing both spectral efficiency and energy performance, while also enabling advanced capabilities like predictive optimisation and radio sensing. This collaboration is an important step in our long-term network strategy,” says Laurent Leboucher, group chief technology officer at Orange.
Pallavi Mahajan, chief technology and AI officer at Nokia, comments: “AI is reshaping how networks are designed, introducing new levels of intelligence and flexibility across the radio layer.
“Through this collaboration with Orange, we are exploring how Nokia and NVIDIA’s AI-RAN solution brings advanced AI and RAN functions together in a unified architecture. This will be instrumental in enabling the industry’s transition toward cognitive, AI native networks.”
Orange is currently the fourth-largest telecoms operator in Africa with 18 markets on the continent. The partnership marks a significant attempt to leverage AI to accelerate digital transformation as the first wave of 6G approaches.
Telecom
Zoho Nigeria champions women’s digital empowerment at the Guardian Women Festival

Zoho Nigeria partnered with Guardian Newspapers for the Guardian Woman Festival, a month-long initiative celebrating women’s contributions to business, governance, and social development while promoting digital empowerment for female entrepreneurs.

Kehinde Ogundare
Held at the Federal Palace Hotel in Victoria Island, Lagos, the festival focused on the theme “Reciprocity,” encouraging the exchange of value, networks, and digital innovation to strengthen women-led businesses and foster collaboration.
During the event, Kehinde Ogundare, Country Head of Zoho Nigeria, delivered a keynote address titled “Give Value, Gain Growth: Women Driving Reciprocal Innovation in the Digital Economy”. In his remarks, he highlighted the urgent need to bridge the digital gap for female entrepreneurs.
While Nigeria has the highest concentration of women-owned businesses in Africa, fewer than 30% currently use digital tools to manage or grow their operations. Ogundare noted that technology does not replace the strengths women already bring to business, such as relationship building and community engagement. Instead, it amplifies them, enabling entrepreneurs to reach wider audiences and scale more efficiently.
“The difference is not talent. Not capital. Not ambition. It is digital adoption,” said Ogundare during his keynote. “Smart tools create smart businesses. Smart businesses create strong economies. When women entrepreneurs and leaders have access to the right tools, the possibilities for growth are limitless.”
Zubaida Aliyu, Sales Manager at Zoho Nigeria, also brought her expertise to the festival’s panel session on ‘Women in the Business of Digital Innovation’. She highlighted how women are uniquely positioned to create shared value in digital spaces by building platforms that encourage knowledge sharing, mentorship, and collaboration.
Aliyu also challenged organisations that continue to view women’s digital inclusion primarily as corporate social responsibility rather than a strategic business priority.
“Tech creates a level playing field,” she said, noting that digital platforms remove limitations related to location and infrastructure size. Addressing organisations that overlook the economic value of inclusive digital strategies, she added, “They are leaving money on the table — they need to think of it as a strategy not charity”.
Through its participation in the Guardian Woman Festival, Zoho reaffirmed its commitment to providing affordable and accessible enterprise-grade technology to businesses of all sizes. By helping women transition from manual effort to digital efficiency, Zoho aims to support entrepreneurs build scalable enterprises and ensure their sustained success in Africa’s digital economy.
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