E-Business
FG Introduces Digital Tokens to Replace NIN Slip – Pantami

Federal Government has introduced a suite of digital Tokens to replace the aging NIN slip and polycarbonate card.

Isa Pantami, minister of Communications and Digital Economy, said this at stakeholders workshop on the National Identification Number (NIN) Tokenization Solution organised by National Identity Management Commission (NIMC) in Abuja.
He said government adopted the solution to ensure privacy of personal identifiable information of individuals during verification transactions and to reduce incidences of illegal retrieval, usage, transfer, and storage of NIN.
The minister who was represented by Aliyu Abubakar, director-general of NIMC, said the full implementation begins on January 1.
He said the tokenisation solution was customised to protect personal identifiable information and to protect the sanctity as well as sensitivity of the NIN issued by NIMC to registered individuals.
“One of the benefits of the virtual NIN is to ensure no third party may carry out any verification, hiding behind a proxy (and without the knowledge of the NIMC, being the Custodian of Identity).
“And also generated Token or Virtual NIN is unintelligent, completely random with no correlation to the NIN and cannot be reverse engineered, even by a Quantum Computer.
“The NIN holder is the only exclusive issuer of NIN and cannot be delegated, “Pantami said.
He said anonymization was also catered for with the attachment of the UserID of the verifier to every verification request, adding that no NIN, no verification.
Pantami said NIN tokens are MDA or merchant specific and expire after a set period of time, saying that a token generated for company A cannot be utilized by company B.
Abubakar said that the aim of the programme was to rub minds with stakeholders to ensure understanding of the product and buy-in by all.
“We must continue to reinforce the need for every Nigerian to have a digital identity, irrespective of social class or economic status, improve access to all and ensure continuous protection of privacy and data of our citizens and other enrollees.
“We must sustain the momentum by creating continuous awareness programs and sensitizing of the public.
Also speaking, Tunji Durodola, technical consultant of NIMC, said the Digital Token was designed to replace the 11-digit NIN for every usage for everyday usage.
He said NIN had been shared and stored by various entities mostly without the knowledge consent or consent of the ID holder or the custodian of identity in Nigeria, NIMC.
Durodola said the improved NIN slip had a smaller firm factor and is available to all who have been issued an active NIN, saying they may be purchased without having to visit NIMC office.
“Some of the pre-requisite of tokenization, one needs a NIN issued by NIMC, mobile number registered in Nigeria and linked to your NIN,” he said.
Hajiya Hadiza Dagabana, director, legal, regulatory and compliance compliance services, NIMC, said there was need for sensitization of the public.
She said that the tokenization would be properly disseminated in various local dialects for better understanding.
Tokenization consist of 16 Alpha-numberic characters. starting and ending with two letters of the Alphabets.
It is issued by an ID Holder, either via the NIMC MWS Mobile ID apps or via USSD on a feature phone and only by the NIMC, while a mobile number linked to a In is required to participate.
A minor Number linked to a NIN is required to participate.
E-Business
Kaspersky Gives Advice on How to Make AI for Children Safer @ Safer Internet Day

Born between 2010 and 2025, Gen Alpha aren’t just growing up with technology – they’re actively living it. These digital natives are already wielding smartphones, tablets, and AI-powered tools with the confidence of seasoned users, navigating everything from gaming and social media to online learning platforms with remarkable ease.

But the question that concerns parents and security experts is whether we are giving our children too powerful technology, too soon. On Safer Internet Day, Kaspersky security experts are sharing practical tips to help parents turn AI from a potential threat into a trusted ally for the younger generation.
The first line of defence is building AI awareness
Children have already discovered that ChatGPT, DeepSeek and other neural networks can answer questions faster than you can find the right answer in Google, and Alexa can play music without pressing a single button.
So, the only solution is to become children’s AI support. Begin by explaining that these digital assistants aren’t friends, pets, or even real people. They’re sophisticated tools that can be helpful, but also potentially misleading, biased, or simply wrong. Then teach them to cross-check information with multiple sources, just like they’d verify facts in a school project.
When discussing AI with children, emphasise that they should never fully trust AI answers, especially for sensitive topics like health, mental wellbeing, or safety concerns. Always encourage them to verify information and never share personal details or documents with AI systems.
Enabling safety filters
Most AI platforms and smart devices come with built-in safety features that are often overlooked or misunderstood. Spend some time checking the privacy settings and content filters and, if possible, tailor them to match your family’s values and your child’s maturity level. This is a basic protection against inappropriate content, privacy breaches, and potentially harmful interactions.
However, not all services and platforms provide an opportunity to set up content filters and fully control children’s online activity. To create a safer digital environment for your children consider using parental control tools like Kaspersky Safe Kids. It allows parents to not only hide inappropriate content and prevent specific apps and websites from being opened but also helps balance children’s time spent online with screen time management.
Checking the AI-powered apps authenticity
In a world where AI apps are popping up faster than you can say “chatbot,” verifying app authenticity is essential. Only download apps from official stores and inform your children about the importance of not installing anything from unfamiliar sources. Look up the company behind the app and check whether they have a website and legitimate business presence. Teach your kids to limit their app’s permissions and do not give access to data unless it’s necessary for the apps to work.
Staying involved and informed
A basic understanding of the range of problems your child is willing to entrust to AI is already significant. By asking simple questions like “What did you ask AI today? Did it give you the right answer?” you’ll be teaching your children to openly discuss with you the use of AI and problems they might face. When they mention using ChatGPT for homework, ask them to show you what they’ve learned. When they talk about their favourite voice assistant, ask about the topics they like to discuss and funny particularities they noted.
“When you actively participate in your child’s AI journey, you transform from a concerned parent into a trusted guide. They’ll seek your input because they know you’re interested in their digital experiences, not just trying to control them. But while allowing children some AI freedom, you must always remain vigilant about their online safety and healthy growth,” comments Andrey Sidenko, Cyber Literacy Projects Lead at Kaspersky.
E-Business
PwC Reveals AI Scaling Gap Slows Africa’s Digital Transformation
African CEOs continue to trail their global counterparts in deploying artificial intelligence (AI) across business functions, as they remain stuck in experimental AI phases, finding it difficult to scale initiatives into enterprise-wide deployments.
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This is one of the key findings of PwC’s 29th Global CEO Survey: Africa perspective. It found that more than 150 CEOs in Africa who participated in the survey demonstrate strong operational resilience and reinvention as they navigate currency fluctuations, political uncertainty, infrastructure constraints and supply chain disruptions.
It highlights a slower pace of digital transformation that could limit long-term competitiveness in Africa. While awareness and early adoption of AI are growing, enterprise-wide deployment remains limited, according to the survey.
The survey was conducted from 30 September to 10 November 2025 and surveyed 4 454 CEOs across 95 countries, including Africa.
Skills shortages, fragmented data governance, underdeveloped cloud infrastructure and risk-averse investment strategies are preventing African organisations from moving beyond pilot projects into full-scale AI-driven transformation, it finds.
“AI adoption in Africa is real, but scaling it across the enterprise remains a challenge,” says Christiaan Nel, AI Africa leader at PwC South Africa. “Caution must be balanced with urgency − those investing modestly today risk falling behind competitors scaling rapidly.”
Finding their way
Despite these challenges, African CEOs demonstrate strong operational resilience. The survey shows that 81% are optimistic about improving economic conditions, well above the global average of 65%, while 47% are confident about revenue growth over the next year.
The survey underscores that AI adoption highlights a broader reinvention gap. Only 41% of CEOs have clear AI roadmaps, and 37% formalised responsible AI processes. Skills availability remains a major barrier, with just 37% confident in sourcing and retaining talent for AI initiatives.
PwC research shows that when AI is implemented effectively, African companies experience tangible benefits: 56% report increased employee productivity, 53% gain executive time, 23% see revenue growth, and 25% achieve cost reductions. This confirms that AI can drive efficiency and transformation, but only if infrastructure, governance and investment keep pace, notes the study.
Vikas Sharma, Africa cyber leader at PwC Mauritius, explains: “The challenge is structural. Fragmented cloud environments, unclear data governance and underdeveloped cyber security make scaling AI difficult. Without these foundations, AI initiatives remain tactical rather than transformational.”
Beyond AI, CEOs are using technology to reinvent products, reach new customers and modernise operations. PwC highlights that cloud, analytics and digital frameworks are essential enablers for enterprise-wide AI, helping leaders move from experimentation to transformation.
Importantly, African organisations are using technology to augment rather than replace employees, maintaining workforce stability while improving productivity, it states.
Ambition versus execution
Although 55% of African CEOs consider innovation critical to strategy, only 13% are willing to take high risks in innovation projects.
Underlying capabilities reveal the challenge: just 16% operate dedicated innovation centres, 25% have processes to stop underperforming research and development, and 29% rapidly test ideas with customers.
Lullu Krugel, chief economist and ESG leader at PwC South Africa, adds: “The leaders who build enduring businesses protect their core while creating the future. Operational strength alone is not enough; transformation must be bolder.”
Investment restraint is evident: 59% of respondents report little to no change in IT spending, and only 8% are willing to make large investments despite geopolitical uncertainty. Confidence in acquisitions is lower than the global average, with 40% planning growth through acquisition, compared to 46% globally.
Yet diversification offers a competitive-edge. Nearly half of African CEOs have entered new sectors through services and product offerings in the past five years, generating 24% of revenue from these ventures. Technology leads planned expansion efforts at 17%, followed by real estate, retail and transport/logistics.
PwC concludes that Africa’s CEOs have the ambition and resilience but must move from operational excellence to strategic reinvention. This requires embracing risk as a catalyst for transformation, strengthening digital infrastructure, investing in change leadership and aligning AI adoption with enterprise-wide strategy.
Hannelie Gilmour, consulting and transformation platform leader at PwC South Africa, concludes: “Africa is uniquely positioned to leapfrog global peers. Tomorrow’s stability comes from today’s innovation. CEOs who act decisively will shape the continent’s next chapter.”
E-Business
Firm Reviews the Evolution of Phishing Threats in 2025

A new Kaspersky review reveals how cybercriminals revived and refined phishing techniques to target individuals and businesses in 2025, including calendar-based attacks, voice message deceptions and sophisticated multi-factor authentication (MFA) bypass schemes.

The findings emphasise the critical need for user vigilance, employee training and advanced email protection solutions to counter these persistent threats moving forward.
Calendar-based phishing targets office workers
A tactic originally from the late 2010s, calendar-based phishing, has reemerged with a focus on B2B environments. Attackers send emails with calendar event invitations, often containing no body text, hiding malicious links in the event description.
When opened, the event auto-adds to the user’s calendar, with reminders urging them to click links leading to fake login pages, such as those mimicking Microsoft.
Previously aimed at Google Calendar users in mass campaigns, this method now targets office employees. Organisations should conduct regular phishing awareness training, such as simulated attack workshops, to teach employees to verify unexpected calendar invites.
Voice message phishing with CAPTCHA evasion
Phishers are deploying minimalist emails posing as voice message notifications, containing sparse text and a link to a basic landing page. Clicking the link triggers a chain of CAPTCHA verifications to bypass security bots, ultimately directing users to a fraudulent Google login page that validates email addresses and captures credentials.
This multi-layered deception highlights the need for employee training programmes, such as interactive modules on recognising suspicious links and advanced email server protection solutions like Kaspersky SecureMail, which detect and block such covert tactics.
MFA bypass via fake cloud service logins
These sophisticated phishing campaigns are targeting multi-factor authentication (MFA) by mimicking services like pCloud (a cloud storage provider that offers encrypted file storage, sharing and backup services).
These emails, disguised as neutral support follow-ups, lead to fake login pages on lookalike domains (e.g., pcloud.online). The pages interact with the real pCloud service via API, validating emails and prompting for OTP codes and passwords, granting attackers account access upon successful login.
To counter this, organisations should implement mandatory cybersecurity training and deploy email security solutions like Kaspersky Security for Mail Servers, which flags fraudulent domains and API-driven attacks.
“With phishing schemes growing more deceptive, Kaspersky urges users to treat unusual email attachments, like password-protected PDFs or QR codes, with caution and verify website URLs before entering any credentials.
“Organisations should adopt comprehensive training programmes, which includes real-world simulations and best practices for spotting phishing attempts. Additionally, deploying robust email server protection solutions ensures real-time detection and blocking of advanced phishing tactics,” comments Roman Dedenok, Anti-Spam Expert at Kaspersky.
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