General News
ATM Fraud Awareness is Education-Elegbe
Mitchell Elegbe is managing director/CEO, InterSwitch Limited, one of Nigeria’s major switching companies. Elegbe has significant exposure and in-depth knowledge of the industry, both local and international; technical knowledge and incomparable passion for business. His undying passion for nationwide switch gave birth to InterSwitch which today manages shared infrastructure. He spoke to chike onwuegbuchi and fumni ileasanmi.
From Magnetic Stripe Card to Chip and Pin
The initial design for the cards were chip and Pin but for economic reasons, we went for magnetic stripe, then, we were just starting, cards were expensive, it was a huge investment for banks at that time. So moving to chip now is only normal even if the Central Bank had not said we should, it was something that the bank would have to subscribe to later. However, the CBN has said it and acting in line becomes compelling and that is why you see a lot of interest being generated. There is a quicker decision; clear intension to ensure that these cards are moved to chip ultimately like the Central Bank gave us the impetus to make sure that this happens now.
Features of Verve
Everybody talks about security, people will tell you our cards are more secure, and just like saying my car is more secured. What exactly is security in this case?
Security like every other thing about life needs to address certain specific problems, so what are the problems we have today? There is the problem of cards being copied, that can easily be addressed by a chip card. So anybody that has a chip card today either it is InterSwitch or any other organization automatically would have achieved the same thing, so it doesn’t matter the name behind it.
However, does a chip card stop every kind of fraud? The answer is no, there are some kind of frauds that the chip card would not solve. For example, if you are going to make a payment on the internet to buy goods, if you don’t put your chip in it there is no how the internet would accept your chip. So your chip is your card number and Pin like in the days of magnetic stripe.
So what additional thing do you need to secure? What we have done, is that we have introduced chip education programme, the chip authentication programme that ensures that, you now have a card reader that stimulates the way you put your card inside the ATM and make serious transactions on the internet.
Identity Guard
We also have our identity guard that gives card holder a one time password, it is not the same Pin that you use every time. Every time there is a new password that can only be used once. Our fraud management initiatives were developed to address various types of fraud which we have seen in the last couple of years. It was developed using the MasterCard Mchip4 standard and has fraud management solutions incorporated into it. These are the different things we have done.
So the whole idea of fraud awareness is education. Instead of talking about seven different steps to tackle different fraud problems as we have seen it in Nigeria, there will be many more because as we are improving, the fraudsters also will attempt to improve even if it is in the negative side. Therefore, we want to keep on being on top of our game by trying to be one step ahead of the criminals.
Reward
You need to reward people when they are loyal to you. What we have done with the Verve card is that we have incorporated rewards, loyalty scheme inside the chip card, so it becomes possible for everybody to get rewards. It will now be the merchants, InterSwitch or the banks that determines the nature, magnitude and scope of the rewards. It is very flexible and there are about seven different kinds of rewards that we can give.
Convenience is very important. When I take my Verve card today and wants to be able to do everything I was doing before with my Magnetic stripe card, it is only with the Verve card today that can do that, because we know what we have being doing with over 28 million cards before Verve was launched. We could have launched a long time ago, like when we were in Calabar, we showed the Verve card but what we have been doing in the last six months plus is to make sure that other channels that card holders are used to using their cards are enabled. So that from day one they can seemingly enjoy what they have always being enjoying.
Besides, our chip and PIN enables merchants have online, real-time access to all their operations and activities. It ensures an enhancement of PoS terminals currently in many merchants’ locations across the country. Those are the things that I would say differentiates us from others and of course it is a Naija card, we know our problem, we know our challenges, we know our people so we have put all of these into the card to ensure that Nigerians can continue to enjoy.
Biometrics and Pin numbers
The cards can accept biometrics and accept PIN but biometrics have different challenges too. I am sure you have tried biometrics before sometime and you will be wandering whether your finger is still yours. So sometimes either because your fingers are greasy or because it feels as if your finger is dirty, it might not read. There are certain specific schemes especially for the unbanked where biometrics becomes critical for use, the fact is that the card can accept it today. Biometrics is not going to be widely spread, all the ATMs do not have biometrics for example, and to fix them will cost a lot of money. But there are some specific schemes that will come up that we just have to do biometrics. The cards today are ready for those kinds of schemes.
Oversea Payments
There are a lot of things that influences where you can use your card to make payments. When you start using your card to make payment on the internet, you are using Naira or Dollars. With the kind of problem we are having today, how do you want it to be?
When the issue of taking dollars out, there are regulations around such monetary controls that CBN has put in place. We need to ensure we comply that is why I am very shy to talk about that now because we are seeking approval, we do not have the approvals yet. That is why I said give us some weeks until the approvals are in place.
Confidence in Card Holders
It is part of the problems and challenges but luckily for us, we did not start seeing all these problems until we were done with many millions. The chances that if you asked ten people who have ATM cards, how many of them have been defrauded, maybe only one, maybe none in a group of ten so the people who are benefiting far exceed those who are trying to spoil it.
Even though the choice of using a card is a personal decision, you might have the card and choose not to use it because you are afraid. But if you have tried it once and nothing happened to you, even if the other man is telling you he was defrauded, you have not been defrauded yet and if you need money you will get money until it happens to you.
Our prayer is that before it becomes something that everybody is affected, we should have been able to solve most of the problems. Like 419 in those days, everybody has fallen to 419 at one time or the other but now we all know their tricks. We are aware once you see a 419 e-mail you know that, such mail is 419.
Before, they tell you, you have won something, these days, they don’t do this kind of things anymore, they are changing. They started by telling you, you have won something come and do something for you to claim your prize. They saw that, we are not falling prey to that one anymore, they moved to upgrade, that the system is undergoing upgrade, that you register your card number and PIN. When they saw that upgrade is not working anymore, they are now telling you your PIN has been blocked, come and register it to unblock it.
Capacity to Absorb Increment
If you want to be in the business of moving crates of minerals, seriously you will not go and buy pick –up van, you need to buy a serious trailer. In terms of capacity, what we have done is that we bought a trailer that will take maybe a 100 pallet and we have put one crate on it. Our worry is let the transaction come, when it becomes a problem we will talk. Our problem is ensuring that the trailer when it is driving on its own does not summersault on its own, because it doesn’t have enough weight. In business everybody prays for capacity to expand, if it extends to that stage its simple we have to expand the network, today we are not near our capacity.
Interconnectivity and Interoperatability
The issue of interoperatability is an old issue because if you go to a bank like Intercontinental Bank, you will see e-tranzact, InterSwitch, Mastercard and Visa that has been achieved. It is not an issue because we have connection with all the banks.
Network Availability
InterSwitch is not an entity that stands in isolation, we have connection with the bank. When we say network availability, it’s the same thing that connects us, we are using General Packet Radio Service (GPRS), sometimes the same problems we have with congestion in voice call, we also have experience it except if it is not the same network. So, the real challenge we have is not the bank thing, it’s basically telecommunications issues, where we use different kinds of service providers. For example, if you go to my village, you don’t have the kind of variety you can afford to have with service providers, so, you end up using the particular network that is available there. It might not be the best but that is the only one there, so you have to use it. But with time, it will improve even internet has improved significantly from the first time when we started.
Future of InterSwitch
I have just said Verve is designed by Nigerians for the world. Our vision is to see this Nigerian dream become something that is recognized and accepted worldwide. We believe we can; only time will tell. So keep praying for us, keep supporting us and we hope that five years from now, it will be a different story.
General News
Activist Warns against Rising Junk Food Culture in Nigeria

Nnimmo Bassey, environmental activist and food sovereignty advocate has raised concerns over the growing influence of junk food culture and global food politics on Nigeria’s food systems.

Nnimmo Bassey, environmental activist
Bassey warned that the increasing consumption of highly processed foods poses serious risks to public health, cultural identity, and national food security.
He made these remarks on Thursday while speaking at the Sustain-Ability Academy lecture on Food, Power and the Politics of Hunger, organised by the Health of Mother Earth Foundation in collaboration with the University of Port Harcourt.
“Food is not just for sustenance; it is central to our identity, our relationships, and our traditions,” he said.
He explained that traditional diets reflect the diversity of Nigeria’s ethnic groups and have historically fostered unity within communities.
Bassey traced the evolution of food systems in Nigeria, highlighting how colonialism, commerce, and conflict have reshaped local diets.
He referenced the Nigerian Civil War as a turning point when food was weaponized, leading to widespread malnutrition and long-term dietary changes, particularly in the Eastern region.
The activist criticized the rapid rise of fast food consumption, describing it as a product of modern society’s demand for instant gratification.
According to him, fast food outlets use sensory stimulation, bright lighting, loud music, and constant visual entertainment to distract consumers from questioning the nutritional value of what they eat.
“People leave with more than just a full stomach, they carry heavy metals, artificial colourings, and harmful substances in their bodies,” he said.
Bassey also expressed alarm over the increasing presence of genetically modified organisms (GMOs) in Nigeria’s food system.
He argued that such products, often introduced without sufficient scrutiny, could have long-term health and environmental consequences.
He further cautioned against the role of political leaders in normalizing unhealthy consumption patterns.
“When top politicians publicly consume junk food and sugary drinks, they send a dangerous message that such habits are acceptable or even desirable,” he said.
At the heart of his argument is what he described as “food colonialism” a system driven by global power dynamics, where economic pressures, debt, and cultural influence shape local food choices to benefit multinational corporations at the expense of local farmers.
Bassey called for a “decolonization” of food systems across Africa, urging governments and citizens to prioritize indigenous foods, protect seed-sharing traditions, and resist policies that undermine local agricultural practices.
He also challenged prevailing narratives around hunger, questioning whether food insecurity is truly a result of low productivity.
“In countries like Nigeria, nearly half of all food produced goes to waste. The issue is not just production, but distribution, policy, and power,” he explained.
The session concluded with a call for urgent reforms to ensure fairness, resilience, and sustainability in food systems, with a focus on supporting smallholder farmers and addressing the structural causes of hunger.
General News
Gartner Forecasts Surge in AI-powered Public Services

At least 80% of governments will deploy artificial intelligence (AI) agents to automate routine decision-making, enhancing efficiency and service delivery by 2028.

This is according to market research firm Gartner, which highlights a growing shift toward digital governance, where AI-powered systems will increasingly handle repetitive administrative tasks, such as processing applications, managing public records and responding to citizen queries.
“Government chief information officers are under growing pressure to embed AI into decision-making capabilities rapidly and responsibly,” says Daniel Nieto, senior director analyst at Gartner. “The rise of multimodal AI, alongside conversational and agentic systems, has expanded what public organisations can automate, understand and anticipate.”
The Gartner report comes as South Africa is moving to embed AI into public administration, with early use cases emerging across service delivery, disaster response and internal operations, even as full-scale deployment of autonomous “AI agents” remains some years away.
The country’s National AI Policy Framework, released in 2024, has set the direction for adoption, with a comprehensive national policy expected by 2027.
Implementation is likely to follow from 2027 onwards, positioning the country for a more structured and regulated rollout of advanced AI systems across departments.
While South Africa has yet to deploy AI agents at scale, government and research initiatives indicate that agent-like systems are already taking shape.
Global use cases
Globally, governments are rapidly deploying AI agents to automate public services and internal operations, shifting from simple chatbots to systems that can execute tasks and coordinate workflows.
In the US, federal and city agencies are using AI agents to handle citizen queries, draft documents and manage call centres, while in China, autonomous systems are being integrated into administrative processes and urban management.
European governments are piloting AI-driven tools in policing and public service delivery, and in emerging markets, agentic platforms are being used to improve disaster response, financial inclusion and digital identity systems.
However, Gartner notes that fragmentation is one of the most persistent barriers to AI value in government.
According to a Gartner survey of 138 respondents from government organisations worldwide between July and September 2025, 41% of respondents cited siloed strategies and 31% cited legacy systems as key challenges to adopting and implementing digital solutions.
“Technology modernisation alone has not resolved these issues,” says Nieto.
The market analyst firm says as AI transitions from experimentation to being deeply embedded in decision-making, governance approaches must also evolve. It points out that traditionally, AI governance has centred on managing models, data and algorithms.
However, it states that decision intelligence (DI) shifts this focus towards the governance of decisions themselves; for example, on how they are designed, executed, monitored and audited. This shift in governance is especially critical in government, where public legitimacy relies on transparency and fairness, the firm explains.
Measurable impact
The Gartner survey found that 39% of respondents cited improved service and citizen satisfaction as primary reasons to invest in building citizen trust.
The firm notes that DI offers a structural foundation for operationalising this trust by making decision pathways explicit and auditable.
“By governing decisions, rather than just isolated AI components, governments can better balance automation with human judgement, particularly in high-stakes or rights-impacting contexts,” says Nieto. “Regulated industries and governments cannot rely on opaque ‘black box’ systems for consequential decisions. DI elevates explainability from a technical requirement to a governance imperative.”
Because of the need for transparency in decision-making, Gartner predicts that by 2029, 70% of government agencies will require explainable AI (XAI) and human-in-the-loop (HITL) mechanisms for all automated decisions that impact citizen service delivery.
Gartner explains that XAI and HITL designs are foundational to public-sector DI. These mechanisms ensure decision logic can be inspected, explained and challenged. Because of XAI and HITL, humans also retain authority over exceptions, appeals and high-risk cases, and accountability is preserved even as automation increases, it adds.
While efficiency remains important, Gartner says citizen trust in government’s ability to provide effective services is becoming a key driver of digital transformation. Fifty percent of government respondents cited improved citizen experience as one of their top three priorities.
“As AI and decision intelligence increasingly automate and streamline service delivery, the traditional notion of ‘citizen experience’ evolves,” says Nieto.
“When citizens receive what they need from the government automatically, direct interactions may decrease, making trust in the system’s reliability, fairness and transparency even more critical. Because trust is so imperative in these situations, the predictive capacity to anticipate potential needs could reshape how government digital services are delivered.”
General News
Telegram’s Massive Crackdown Fails to Curb Cybercrime Hubs

Telegram has unleashed its most sweeping enforcement campaign yet in 2026, deleting millions of illicit channels and groups while boosting daily takedowns from 10,000 to 140,000—with peaks surging past 500,000 in a single day—yet cybercriminal ecosystems remain stubbornly resilient, rapidly reorganising and exploiting the platform’s scale to sustain operations undeterred.

Telegram
The paradox is stark: despite blocking over 43.5 million channels in 2025 alone and achieving record transparency in moderation reports, the threat landscape shows no contraction, as fraudsters deploy sophisticated evasion tactics like pre-built backup channels, “Request to Join” gating to thwart bots, bio disclaimers tagging Telegram leadership for plausible deniability, and floods of forwarded messages that preserve criminal knowledge even after originals vanish.
Check Point Exposure Management data reveals 20 percent of removals targeted business-impacting crimes—carding, Fullz trading, hacking services—with communities often reloading audiences instantly from preloaded backups, ensuring operational continuity amid the friction.
For Nigeria, home to Africa’s largest Telegram user base of eight million aged 16-64 per Statista, the stakes are acute: the platform dominates crypto trading, mining schemes, online betting, and gambling hubs, leaving traders, youth, and startups vulnerable to scams that evolve faster than platform defenses.
Kingsley Oseghale, Check Point Software Technologies’ West Africa country manager, warns that “enforcement is real and growing, but criminals adapt quicker—security teams must hunt entire networks, not just channels, via continuous exposure management to dismantle operations at the root.”
Migration to rivals like Discord (just 6% of underground invite links), Signal, SimpleX, or Matrix remains negligible—3 million Telegram invites circulated underground in three months alone—proving its 800 million users, speed, anonymity, and network effects keep it the premier broadcast, recruitment, and marketplace layer, even as high-profile groups like AKULA tested alternatives before reverting.
Spikes in forwarded content during February-April 2025 peaks extended fraud data lifecycles, mirroring broader cybercrime redundancy where attackers assume disruption and build in failover.
This persistence demands proactive vigilance: SOC teams ignoring Telegram risk blind spots in brand protection and threat detection, as evasion now standardises across underground forums—underscoring that while Telegram’s crackdown marks progress, true eradication hinges on intelligence beyond takedowns.
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