E-Business
COVID-19: Building Skilled Digital Capacities as Recovery Strategy

By: Engr. Prof. Mohammed Ajiya
The entire world is currently in the throes of a deadly pandemic. So far, there have been over 2.5 millionconfirmed cases of COVID-19 worldwide, resulting in more than 170,000 deaths, many of whom, incidentally, were critical human resources whose knowledge and expertise the world may initially struggle to replace.

Prof. Mohammed Ajiya
As a result, an unprecedented global lockdown is in place, with restrictions imposed by majority of governments on both international and local travel as well as on intra-city movement by their citizens.
This has led to the temporary closure of all but essential businesses and services, forcing many of those businesses, as well as the governments that imposed the lockdowns, to embrace the new reality of having their staff work from home for an extended and indeterminable period of time.
The COVID-19 pandemic will have lasting economic repercussions long after it has been vanquished, with a global recession certain to follow. According to the Asian Development Bank, the pandemic is projected to cause a global loss in GDP of up to $4.1 Trillion before it is over.
One critical factor in this is the fact that the pandemic descended upon a world that was essentially unprepared for it.
Whether or not there was adequate medical planning globally for a pandemic of this scale is up for debate, and many points can be made both for and against.
What is indisputable, however, is that most businesses, governments and other organisations were largely unprepared for the prospect of their entire workforce suddenly unable to show up for work, and their customers no longer able to come physically to them – for the foreseeable future.
One of the legacies of the COVID-19 pandemic, therefore, should be that we are never caught unawares again, at least in terms of preparedness for necessary social distancing. ICT planning is the optimal way to ensure this, with special focus on the concepts of e-commerce, e-government, remote work, and e-Learning.
E-commerce: E-commerce refers to the buying and selling of goods and services electronically (over the Internet). E-commerce is thriving under the conditions of the current pandemic as consumers are forced to shop mainly from home.
According to Forbes, the wealthiest person in the world is currently Jeff Bezos, founder and CEO of e-commerce behemoth Amazon.
While the pandemic has resulted in several of his fellow billionaires losing large chunks of their net worth, Bezos’ net worth is actually increasing due to the pandemic. His company Amazon is currently hiring 100,000 new full and part-time workers to help meet increased demand from consumers staying home and shopping online.
Locally, e-commerce giants Konga and Jumia are also poised to benefit from the lockdown imposed by the Federal Government, as traditional shopping outlets are largely unavailable to consumers or, when available, may be counterproductive to the objective of social distancing.
Konga has already confirmed “a significant increase in shopping activity, especially for groceries and other essentials” during the ongoing pandemic.
Both Konga and Jumia carry their own products in addition to providing a platform for business owners to sell their goods online without having to set up their own e-commerce sites.
So, what has the COVID-19 pandemic taught us about commerce? Traditional retailers without the option of conducting their commercial activities online will lose business at times like this, while businesses that engage in both traditional and e-commerce will continue to thrive.
Post COVID-19, businesses not wanting to be caught out again in similar situations will need to plan for including e-commerce capabilities in their business model as a matter of urgency.
E-government: E-government is defined as government’s use of technology, particularly web-based Internet applications to enhance the access to and delivery of government information and services to citizens, business partners, employees, other agencies, and government entities.
The deployment of e-Government solutions has been known to accelerate government decision-making processes, provide additional employment, aid youth empowerment, and even spur gender inclusiveness. E-Government is also a key factor for sustainable development and wealth creation.
With the current lockdown, all but essential government offices in Nigeria are shut down, meaning that many government services are currently unavailable to citizens and other stakeholders. While this is unavoidable due to the COVID-19 pandemic and the necessity for social distancing, it highlights the urgent need for alternate means of work and productivity in our government.
For example, Estonia, a small country in Northern Europe, possesses by far the most digitally advanced government in the world. In addition to the fact that all government activity is entirely paperless, 99% of government public services are also available online 24/7. This includes voting, ID issuance, e-signature (all documents can be signed electronically), taxes, police services, healthcare, notary services, census, education, company registration, the justice system, immigration, public transport ticketing, and much more. The only government services not currently available online are marriage, divorce, and real estate transactions.
Even with a lockdown in place, Estonia’s citizens and residents will clearly still be able to access public services seamlessly from their government.
Estonia, by the way, is not a particularly wealthy country. Its estimated GDP for 2020 is $32.742 Billion; for comparison, Nigeria’s is $504.57Billion. Estonia shows what is achievable with proper digital capacity building, planning and execution. Public services do not have to become unavailable to Nigerians in the event of a similar situation reoccurring. Citizens should not have to wait for a lockdown to be over if they have urgent government transactions to conclude. In the light of the COVID-19 pandemic and its consequences, Nigeria needs to urgently re-examine its strategies for work and productivity, and its attitude to e-government.
Remote Work: On 23rd March 2020, one week before the Federal Government declared a full lockdown in FCT, Lagos, and Ogun State in an attempt to curb the spread of COVID-19, a circular was passed ordering all non-essential public servants on grade level 12 and below to work from home until further notice. While a small percentage of workers have managed to discharge some of their duties from home starting from then and during the subsequent lockdown, the unfortunate reality is that majority of staff supposedly “working from home” have not been properly equipped with the required digital skills and tools, and are therefore, unable to accomplish any meaningful work during this time.
This loss in productivity has affected both the public and private sectors and looks set to continue for as long as lockdown measures remain in place. The economic consequences of this are yet to be quantified but will continue to be felt nationwide long after things return to a semblance of normality. Could it have been different if the tools, capacity, and infrastructure for effective remote working were in place and pervasive? The answer is a definite yes.
Majority of today’s work tasks can be performed using information and communications technology in addition to the more traditional methods. There are technology solutions for tasks ranging from meetings and collaborative work to data analysis, marketing, and customer relationship management. Remote working software solutions can be deployed by employer organisations to enable their employees remotely and securely connect to the organisations’ servers, edge-computing or cloud via Virtual Private Networks, and access documents, files, services and tools pertaining to their job roles just as if they were sitting in their offices within the organisations’ premises. These are the tools required for modern work tasks, both on-site and remotely.
However, for a workforce to be effective at using these tools, they need to possess a certain level of digital literacy as well as proficiencies specific to their job roles and tools required for those roles. This is where capacity comes in. The final piece of the puzzle is infrastructure. This encompasses widespread availability, reliability, and affordability of broadband Internet resources across the country, reliable voice communications networks, and reliable power supply. With these three factors securely in place, any organisation can theoretically continue to function at close to full productivity regardless of any lockdowns or similar situations. Any required meetings would be conducted using video and web conferencing solutions, staff would continue to deliver on their assigned tasks, and collaboration among teams would be seamless regardless of the geographical locations of team members.
Capacity building in post-pandemic Nigeria: In recognition of the fact that majority of organisations (both public and private) were largely unprepared for the effects of the COVID-19 pandemic, we have explored avenues for better preparedness going forward, via e-commerce, e-government, and remote work.There is, however, an underlying capacity building requirement to all three concepts, the absence of which would make it impossible to attain the level of future preparedness sought.
SMEs engaged in commercial activities (buying and selling) who do not currently have digital skills and e-commerce capabilities may simply have no idea where to begin.
Coordinated and comprehensive capacity building on e-commerce should be made available to SMEs post-COVID-19 to provide them with the required knowledge and available options for adding e-commerce to their current business model.
E-government is another core area where massive capacity building is required, in the light of the pandemic and subsequent lockdown. Decision makers in MDAs need to understand how e-government solutions can be applied to the delivery of their organisations’ mandates; their IT departments need to learn how to implement, deploy and maintain those solutions; while their key staff need capacity building on the operation and administration of the platforms.
Finally, for remote work to be viable and sustainable, a certain level of digital literacy is required in staff of both public and private organisations, with additional digital proficiencies required according to their specific job functions. This is essential if the staff are to effectively complete their job functions mainly using digital tools from remote locations. Also, due to the highly dynamic nature of information and communications technology, regular retraining and upskilling is necessary even for directors, management and staff that are already digitally literate. In addition, digital security matters. It has now become mandatory for organisations to design and deploy their own ICT Security Policy. IT departments in these organisations must learn how to select, deploy, integrate and maintain secure remote working platforms that are suitable for their organisations’ specific needs. These organisations must seek the capacity building that is required for their staff, if they are to be immunised from loss of productivity during any subsequent lockdowns or similar situations.
The COVID-19 pandemic has shown us that nothing is beyond the realms of possibility. Scientists, as well as various works of fiction, have long predicted a scenario like the one we currently face, but the truth is that most of us never thought it would actually happen.
Now that we know otherwise, it is imperative that we ensure that the loss in productivity and economic effect of this pandemic is mitigated for any similar future events. The current pandemic has shone a spotlight on the ways in which we were unprepared for the situation and provides us with the opportunity to plug those gaps in case of any future reoccurrences. We must seize that opportunity with both hands and run with it.
Digitally retooling the workforce and enthroning the mastery of digital knowledge and capability is the ultimate roadmap and gateway to national development and survivability for Nigeria and Africa.
Digital Bridge Institute (DBI), established by the Nigerian Communications Commission (NCC), is Nigeria’s foremost Centre of Excellence in Information & Communications Technology training and education with campuses in Abuja, Lagos and Kano, and three further campuses upcoming in Yola, Enugu, and Asaba.
DBI’s mandate is to build skilled digital capacities for Nigeria at all levels, making it uniquely placed to help the nation tackle the issues discussed above. DBI offers digital capacity building in areas ranging from Digital Literacy to Cybersecurity, Networking, Network Security, Office and Productivity Tools, Software Development, AI, IoT, Robotics, 3D, VR, Blockchain, etc. In addition to traditional learning methods, DBI offers comprehensive e-learning capabilities, enabling the Institute to deliver world-class capacity building programmes both on-site and remotely.
Engr. Prof. Mohammed Ajiya is President/CEO Digital Bridge Institute – DBI
E-Business
Zequence Digital Boss Calls for Strong IP Laws Enforcement, to Protect Nigeria’s Software Sector

Mr Adeoye Oludamilola, managing director, Zequence Digital, a digital agency, has said strong enforcement of Intellectual Property (IP) laws , protection of Nigeria’s software industry against piracy will encourage innovation and investment.
Adeoye told reporters lately in Lagos that software piracy and the unauthorised use of proprietary technology are widespread in the country.
According to report Intellectual Property (IP) laws in software refers to the legal rights that protect the creations of the mind used in software development.
These rights, which include copyrights, patents, trade secrets, and trademarks, grant developers exclusive control over their software and related assets, preventing unauthorised use or reproduction.
Adeoye said that many startups do not protect their innovations, due to a lack of knowledge and the cumbersome legal processes involved.
“IP registration and litigation are expensive and time-consuming, which further discourages developers from protecting their work,” Adeoye said.
He added that the lack of awareness among developers about their IP rights contributed to the problem.
To address these challenges, Adeoye stressed the need for the formation of an IP Protection Consortium, comprising tech firms, legal experts, and regulators, to advocate for stronger IP enforcement.
He also suggested collaborating with legal tech startups to create simplified platforms for fast-tracked IP registration.
The managing director further called for joint initiatives between legal bodies and tech communities to launch IP rights education campaigns.
This, he said, would equip developers with the knowledge they needed to protect their innovations and grow their businesses.
Adeoye emphasised the need for the government and stakeholders to create an ecosystem for development and inclusivity by proactively engaging with regulators.
According to him, this will help ensure that policies are created with the input of concerned agencies and industry experts.
E-Business
PalmPay Partners AXA Mansard Health to Make Digital Insurance Accessible, Affordable

PalmPay, a leading fintech platform and full-stack digital neobank for emerging markets, has partnered with Nigeria’s biggest Health Insurance Company, AXA Mansard Health a member of the globally trusted AXA Group, to provide millions of Nigerians with affordable, accessible digital health insurance.
This strategic partnership enables PalmPay users to seamlessly access a range of health insurance packages from AXA Mansard directly within the PalmPay app. With plans starting as low as N500 per month, users can now choose from flexible insurance options tailored to fit their everyday needs.
The plans are designed to meet a wide range of needs; for example, the AXA Digital Health plan offers access to telemedicine consultations with doctors, N5,000 worth of medications, and up to N40,000 in surgical coverage. Users can also opt for the AXA Mansard MicroHealth plan at N1,000 per month, which provides unlimited diagnostic tests and funeral benefits. Additionally, the AXA Mansard Accident plan, available for N500 monthly, offers comprehensive death cover for both accidental and non-accidental cases.
Speaking on the partnership, Habib Kowontan, Head of Wealth Product at PalmPay, said: “Insurance is a key pillar of financial security, yet millions of Nigerians remain underserved. Our partnership with AXA Mansard Health breaks down long-standing barriers by placing reliable and affordable insurance solutions right at our users’ fingertips.”
In her remarks, Jumoke Odunlami, Chief Distribution Officer, AXA Mansard Insurance said that the partnership with Palmpay presents the AXA with another opportunity to improve health and productivity of Nigerians. “Through partnerships like this, we are covering over 1.8 million Nigerians and ensuring that healthcare is accessible, available and affordable.
“So we are excited about joining forces with a brand like Palmpay to compliment the range of financial possibilities they offer their customers with health plans. It fits well with our mission and our purpose of acting for human progress by protecting what matters, and we are looking forward to doing even more with Palmpay”, she explained.
This partnership reflects PalmPay’s broader mission to create a more inclusive digital financial ecosystem, one that empowers users to not only manage their money efficiently, but also secure their future.
This partnership reflects PalmPay’s broader mission to create a more inclusive digital financial ecosystem, one that empowers users to not only manage their money efficiently, but also secure their future.
E-Business
Artificial Intelligence: The Indispensable Catalyst for Nigeria’s Agricultural Revolution

By Diana Tenebe, Chief Operating Officer, Foodstuff Store
Nigeria’s agricultural sector, a cornerstone of its economy, faces a critical crossroads. While employing a staggering 40% of the population and holding over 84 million hectares of arable land, the industry is hobbled by deep-seated challenges. Low productivity, a fragmented supply chain, poor infrastructure, and a lack of access to financial services are just a few of the hurdles that prevent the sector from reaching its full potential. Coupled with the unpredictable and severe shocks of climate change—from prolonged droughts to devastating floods—these issues threaten the food security of a rapidly growing population.

Diana Tenebe
To truly transform this vital sector, a new approach is needed, one that moves beyond traditional methods and embraces the power of technology. Artificial Intelligence (AI) is not just a futuristic buzzword; it is the imperative for Nigeria’s agricultural revolution. AI holds the key to unlocking higher yields, building resilience, and fostering an inclusive and sustainable food system that can feed a nation and drive economic growth.
The most immediate impact of AI is in the area of precision farming. By integrating AI with technologies like Internet of Things (IoT) sensors, drones, and satellite imagery, farmers can gain an unprecedented understanding of their land. AI-powered systems can analyse real-time data on soil moisture, nutrient levels, and plant health, providing actionable insights for targeted interventions. For instance, smart irrigation systems can optimize water usage, a critical resource in a country facing increasing water scarcity. AI-enabled drones can survey vast farmlands in minutes, identifying early signs of pests or disease and allowing for precise application of pesticides, reducing chemical use and cost. Early trials of these technologies in Nigeria have already demonstrated significant gains, with some reports showing a remarkable 60-70% increase in crop yields.
Climate adaptation is another area where AI’s role is indispensable. Nigeria’s farmers are on the front lines of climate change, enduring erratic rainfall and extreme weather events. AI can provide a shield against this volatility. By analyzing historical weather data and real-time forecasts, AI models can offer accurate, localized predictions. This allows farmers to proactively adjust their planting schedules, select climate-resilient crop varieties, and plan for potential risks, effectively mitigating the devastating impact of droughts and floods.
The economic benefits extend far beyond the farm gate. A significant portion of Nigeria’s agricultural produce is lost due to an inefficient and fragmented supply chain. AI can streamline logistics, optimize transportation routes, and enhance inventory management. By reducing spoilage and waste, AI ensures that more of what is harvested reaches the market, thereby boosting the incomes of farmers and providing a more stable supply of food for consumers. The success of Nigerian agritech companies like Crop2Cash, which has reportedly helped over 500,000 farmers increase their income by up to 70%, demonstrates the tangible economic impact of these technologies.
AI is a powerful tool for promoting financial inclusion and education. Millions of smallholder farmers, who form the backbone of Nigerian agriculture, are often excluded from formal financial systems due to a lack of collateral and credit history. AI-driven fintech solutions can bridge this gap by assessing creditworthiness using alternative data, making it easier for farmers to access the loans and insurance they need to scale their operations. AI-powered mobile apps and chatbots can also serve as virtual extension agents, providing personalized advice on best farming practices, pest control, and crop management, democratizing knowledge and empowering farmers to make better decisions.
Despite this immense potential, the journey towards widespread AI adoption is not without its hurdles. High upfront costs for AI-enabled equipment, a general lack of understanding and experience with these tools, and a preference for traditional methods are all significant barriers. Furthermore, infrastructural gaps, including poor roads and inadequate storage facilities, hinder the seamless implementation of these technologies. Data availability and computational capacity are also key challenges that need to be addressed.
However, the Nigerian government and a burgeoning ecosystem of agritech startups are already paving the way forward. The government’s vision is articulated in initiatives like the National AI Strategy, which aims to establish AI research centers and support R&D. Programs such as the Nigeria Artificial Intelligence Research Scheme (NAIRS) and the NITDA AI Developers Group are building the necessary skills among entrepreneurs and farmers. Strategic partnerships between government bodies, financial institutions, and innovative startups are creating localized solutions that are tailored to the unique conditions of Nigerian agriculture.
Ultimately, AI is not a luxury but an imperative for Nigeria to unlock its agricultural potential. Its successful integration will transform the role of the farmer from a manual laborer to a strategic planner and overseer of a smart, efficient, and sustainable food system.
By investing in infrastructure, fostering strategic partnerships, and prioritizing education and capacity building, Nigeria can harness the power of AI to feed its people, drive economic prosperity, and secure its place as a leader in the African agricultural revolution.
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