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Experts Seek Stricter Regulation against Call Masking, SIM-Boxing Fraud

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Experts have called for stronger laws and stricter regulation to tackle security issues around call masking and Subscriber Identity Module (SIM)-boxing-related fraud in Nigeria, according to the Nation.

Experts Seek Stricter Regulation against Call Masking, SIM-Boxing Fraud

Call masking or refilling is a practice in which international calls are terminated in Nigeria as local numbers, using illegal SIM boxes loaded with several numbers.

It is a deliberate attempt by fraudsters to avoid paying the correct International Termination Rate (ITR) for international calls, paying instead the Local Termination Rate (LTR).

For example, when the number is masked as a local call, an operator pays N3.90 LTR and not N24.40 ITR.

The process allows operators to terminate inbound international telecoms traffic as local calls, so they do not have to pay ITR, which is the interconnection charge set by telecoms traffic carriers as carrier-to-carrier charges.

A SIM Box fraud is a setup where fraudsters install SIM boxes with multiple prepaid SIM cards.

A fraudster can bring calls through VOIP (through the internet) and terminate international calls through local phone numbers from a country, to make it appear as a local call, by initiating the call through a local SIM installed in the SIM box.

About three years ago, when the issue came to the limelight, the Nigerian Communications Commission (NCC) carried out some investigations, leading to the sanctioning and suspension of some operators earlier this year.

Some of these suspensions were later lifted.

The Office of the National Security Adviser (ONSA), the National Intelligence Agency (NIA), the Department of State Services (DSS), and Committees of the House of Representatives and Senate have on several occasions expressed concern about the menace.

While many stakeholders believe that the menace has been nipped in the bud, it has continued to rear its ugly head to the bewilderment of experts and stakeholders.

Ikechukwu Nnamani, president/chief executive officer of Medallion Communications Limited, lamented that it is a subject matter, which NCC should address completely.

Nnamani, who is an executive member of the premier telecom body in Nigeria – the Association of Telecommunications Companies of Nigeria (ATCON), said almost all calls he received recently are masked.

“Sometimes, I don’t pick up calls because I do not know the number only to find out later it was an international call.

“The truth is that I don’t know why this has not been resolved, I expected it to have been solved.

“Honestly, I would not know why. One would have expected them to have sorted all these out by now,” he said.

Chief Deolu Ogunbanjo, president of the National Association of Telecommunications Subscribers of Nigeria (NATCOMS) said there was no need to relent in reporting the menace to the right authority.

He said it could be a plan to ensure that gain accrued to some people. “I don’t know whether call masking favours the operator or it is being done deliberately.

“It is a situation that the telecoms should deal with because it is a technical problem. I think it is some of those unlicensed operators doing all these.

“Some of these operators’ facilities are being tapped into; they need to look into their operations, so they can be taken care of.

“If they are still in the habit of doing it, proper sanctions should be meted out to any erring service provider.

“There should be heavier sanctions. They can’t be short-changing subscribers and at the same time, the government,” he said.

Mr. Ajibola Olude, executive secretary of the Association of Telecommunications Companies of Nigeria (ATCON), believes the issue can be addressed.

“When it comes to technology, you can only address it maximally. It is not as rampant as before and it is an international issue.

“We have addressed it before and we will look at it again.

“About four years ago, when it happened, we deployed all the resources within our capacity to address it and I think it was addressed maximally.

“I have not seen any operator complaining, except now that you are raising the issue, but as far as we know, call-masking is no longer a problem.

“I am going to contact our compliance monitoring to enlighten me about what is going on, but it is no longer an issue,” he said.

Mouka Reuben, director, Public affairs, NCC, said the situation has been tackled before and he does not think it was a major issue again.

He, however, promised that the commission would look into it again to find a way out.

NCC recently put the revenue lost to call-masking and SIM-boxing activities in the country at $3 billion.

This is as telecom operators lamented during the 85th edition of the Telecom Consumer Parliament in Lagos that they were losing about N2.5 million minutes per day to these fraudulent activities.

On actions that had been taken by the commission to combat the menace, Prof Umar Danbatta,  former Executive Vice-Chairman, NCC, said the NCC had tightened the SIM registration process across all networks to reduce the availability of SIM cards for SIM-boxing as well as address the security issues around the availability of pre-registered SIMs.

According to him, the action was necessary as some arrests made in Lagos two weeks ago showed that the perpetrators of SIM-boxing had over 100 SIM cards registered with fictitious names and used them to divert international calls.

Credit: The Nation


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Minister Claims Bandits Exploit Poor Network, Bounce Calls Off Multiple Towers

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Bosun Tijani, minister of Communications, Innovation and Digital Economy, yesterday claimed that bandits and terrorists are able to communicate and coordinate their activities with ease because they exploit gaps in the country’s telecommunications network.

Minister Claims Bandits Exploit Poor Network, Bounce Calls Off Multiple Towers

Bosun Tijani, minister of Communications, Innovation and Digital Economy,

Tijani, who spoke  Politics Today, a Channels Television’s programme, on Friday, Tijani said the criminals exploit gaps in the country’s telecommunications network.

He also claimed the bandits use advanced technology to bounce calls across multiple towers in areas with poor connectivity.

“They weren’t using the normal towers; they bounced calls off multiple towers, which is why they favor areas that are largely unconnected,” he said.

When asked about reports that unregistered or fraudulently registered SIM cards are still in use despite the Bank Verification Number (BVN) and the National Identification Number (NIN)–Subscriber Identity Module linkage policies, Tijani said the issue is technically complex and the reports are not fully verified.

“Whether it’s fact or not, I do not know where you’re getting that from, and I do not know who has evidence that there are people with unregistered SIMs,” he added.

The minister stated that the federal government is investing in telecom towers in underserved regions, upgrading the country’s communication satellites to improve coverage, and expanding fiber-optic networks to strengthen the country’s digital infrastructure.

“If our towers are not working, our satellites will work. Nigeria is the only country in West Africa with communication satellites, and we are bringing new satellites to upgrade their capabilities,” Tijani said.

He added that these initiatives aim to ensure better connectivity for Nigerians while closing loopholes that criminals exploit, thereby enhancing national security.

The minister’s comments come amid rising concerns over insecurity in several parts of the North, where banditry, kidnapping, and terrorism have escalated in recent years.

There are also reports of bandits flaunting ransom payments on social media platforms such as TikTok, raising alarm among authorities and the public


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CBN, NCC to Launch Short Code for Swift Consumer Complaint Resolution

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Central Bank of Nigeria (CBN) on Thursday announced plans to partner with the Nigerian Communications Commission (NCC) to develop an industry-wide short code for consumers to lodge complaints with financial institutions anytime, anywhere, even without internet access.

CBN, NCC to Launch Short Code for Swift Consumer Complaint Resolution

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Dr Aisha Isa-Olatinwo, CBN Director, Consumer Protection and Financial Inclusion Department, disclosed this at a virtual Consumer Protection Town Hall meeting titled “Ask the Regulator”, organised by Enhancing Financial Inclusion and Advancement (EFInA).

She said the initiative addresses challenges faced by vulnerable consumers using feature phones who often have to visit bank branches physically to report issues amid the convergence of telecom and banking services.

Isa-Olatinwo said the CBN had achieved 94 per cent month-on-month timely resolution of consumer complaints, adding that the apex bank had streamlined processes and partnered with banks to balance consumer protection with financial system stability.

An EFInA poll presented at the event revealed that 61 per cent of respondents experienced failed transactions in the past 12 months, while 26 per cent had reversals within 24 hours and 54 per cent between 24 and 48 hours.

Other complaints included six per cent for fraud, 14 per cent for hidden charges and 15 per cent for poor customer service, with 66 per cent of respondents aware of complaint escalation steps.

President of Consumer Advocacy Foundation of Nigeria (CAFON), Mrs Sola Salako-Ajulo, lamented that consumers often feel unprotected and urged introduction of fraud insurance for instant reversals, shifting the burden of proof from customers.

She said: “What is missing in our system—unlike more developed economies—is fraud insurance, where banks reverse reported fraud immediately, refund consumers, and investigate later.”

Mr Ajibade Laolu-Adewale, Chairman of Committee of e-Business Industry Heads (CeBIH), represented by Mr Adeyemi Salisu, stressed that banks must resolve disputes between acquiring and issuing banks without redirecting customers to merchants.

The short code initiative is expected to enhance financial inclusion by providing accessible redress mechanisms in Nigeria’s evolving digital payment ecosystem.


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Google.org Backs CyberSafe’s Resilio Africa to Shield 2m People from Cyber Threats

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CyberSafe Foundation, with funding support from Google.org will launch Resilio Africa, a 3-year cybersecurity resilience project that aims at reducing the growing risks of cyberattack in institutions and communities across Sub-Saharan Africa.

Google.org Backs CyberSafe’s Resilio Africa to Shield 2m People from Cyber Threats

CyberSafe

The project will strengthen the cyber resilience of 200 Critical Community Institutions (CCIs) in the region through provision of free technical tools, assessments, threat intelligence and incident response frameworks. With this intervention, Resilio Africa aims to protect over 2 million people and secure more than 15 million public records in Nigeria, Kenya, Ghana, and South Africa, marking one of the most ambitious community-building efforts in Africa’s cybersecurity ecosystem.

“At Google.org, we believe that access to secure digital systems is a cornerstone of inclusive growth,” said Haviva Kohl, Senior Program Manager, Google.org. “Our support for CyberSafe Foundation’s CCI cybersecurity efforts reflect our shared commitment to empowering communities and protecting the institutions that serve them. Resilio Africa will help ensure that essential community organizations can operate safely and confidently in an increasingly digital world.”

Identifying the challenges across sub-Saharan Africa, a brief by CyberSafe Foundation noted that critical community infrastructure in the region is increasingly targeted by cyberattacks, with inadequate resources available to tackle them. “These institutions collect, process, and store vast amounts of sensitive personal

data, yet most lack the corresponding cybersecurity maturity. Many operate on outdated systems, with limited cybersecurity capacity, low awareness of digital threats, and zero security budgets. According to INTERPOL, Africa experienced a 23% increase in ransomware attacks in 2023, with public and nonprofit institutions among the most impacted.”

Further citing data from the International Telecommunication Union (ITU)’s Global Cybersecurity Index, the statement said that more than 60% of African countries fall into the “low commitment” category regarding national cybersecurity readiness. This contributes to limited institutional cybersecurity capacity, low awareness of digital threats, and little to no dedicated security budgets.

“As services become more digitized, this creates a dangerous gap that cybercriminals are actively exploiting through ransomware, phishing, data breaches, and DDoS disruptions, compromising public services, exposing sensitive data, and eroding public trust,” it said.

“In Kenya alone, over 114 CCI-targeted cyberattacks were recorded in the first eight months of 2024, followed by a 201% increase in cyber incidents by Q1 2025. In Nigeria, key government and healthcare systems still operate over unencrypted communication protocols. Institutions in Ghana and South Africa face similar threats but often lack the capacity to respond effectively. This widespread vulnerability exposes millions of citizens to both digital and physical harm.

Despite emerging national strategies, policy formulations and growing political will in the region, most CCIs are under-resourced and under-protected. Without immediate, scalable, and context-specific interventions, the region risks a surge in cyber incidents that could significantly disrupt essential community services.

Resilio Africa will strengthen cyber resilience of 200 CCIs through technical tools, assessments, customized playbooks and incident response frameworks; provide over 10,000 hours of pro bono cyber consulting to support CCI teams, build human capacity by delivering tiered training for executives, IT teams, and general staff with over 4500 employees and decision-makers trained; protect over two million people; and secure more than 15 million public records in Nigeria, Kenya, Ghana, and South Africa.

“Africa’s digital transformation cannot succeed if our communities remain vulnerable,” said Confidence Staveley, Founder and Executive Director of CyberSafe Foundation.

“With Google.org’s support, we are scaling a proven model of capacity-building that will help critical institutions become resilient, safeguard the people they serve, and preserve trust in digital public systems.”

Application to the initiative is open and CCIs eligible to participate are to complete an online interest form guided by instructions on the website, www.resilio.cybersafefoundation.org.


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