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Fighting ID theft at ATM With Biometrics

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The increasing activities of fraudsters who through sending Short Message Service and emails to unsuspecting members of the public requesting them to disclose their Automated Teller Machine (ATM) debit card Personal Identification Number on the pretence that they have won in an unknown promo, has raised concerns on effective way to curb the menace.

To this end, that Central Bank of Nigeria recently directed operators in the card business to upgrade their technology to Europe Mastercard Visa (EMV) technology, a Chip and Pin card believed to have more security features than the current magnetic stripe that is widely used.

Although EMV cards have been proven to assist considerably to curbing identity theft at ATM it has not offered a 100 percent solution to the problem. In Europe, where the technology is fully in use there are still increase in identity theft at ATMs, which a long away to show that it does not offer a complete solution to the menace.

Against this backdrop, stakeholders in the industry are seeking for adoption of a technology that will offer near complete solution to identity theft at ATM. They are canvassing for Biometric technology.

Biometrics is the automated recognition of people via distinctive anatomical and behavioral traits has the potential to overcome many of those problems associated with identity theft, experts say.

Compared with a physical token such as a bank card or with the knowledge of a secret such as a PIN, biometric traits are profoundly more difficult to forge, copy, share, misplace or guess. Indeed, they offer the only way of determining whether a person has been issued multiple official documents, such as a driver’s license or passport, under different names. Yet they are quite easy to use as proof of identity.

For these reasons, biometric systems have been gaining popularity in recent years. Laptops and mobile phones that can recognize a fingerprint, for instance, are now commercially available.

According to Dr. O. Osuagwu of department of Computer Science Benue State University, in some countries biometric security is employed to safeguard items such as ATM cards and passports, to determine whether a person can rightfully enter a building or to ensure that someone is entitled to welfare payments. "These systems are far from perfect. But with inexpensive sensors and powerful microprocessors now available, biometric technology is certain to become more pervasive," he said.

Vascular recognition he said already has won wide acceptance in banking. More than Japanese banks and credit unions have made hundreds of ATMs featuring vascular sensor available for everyday use. In the vascular recognition systems developed by Fujitsu and TechSphere, after inserting a banking card in a cash machine, the user is prompted to hold a hand near an infrared light source. The light source is paired with a charge-couple device similar to the one used in standard digital photography. As the near-infrared light passes through the body tissue, it is reflected by the hemoglobin in the blood. This reflected light picked up by the CCD reveals an image of the blood vessels. Within a second or two, the system filters the digitized image, creates a template that it can compare with the authorized user, and decides whether they match.

Nigeria Communications investigation reveals that some of the major banks in the country are making plans to deploy Biometrics ATMs in the country to address the problem of identity theft at ATM which is fast gaining popularity among Nigerians. This has become necessary in view of impact of the machine in reducing large number of customers at banking halls.

 


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Nigeria CommunicationsWeek believes that technology makes life more exciting and helps improve the lives of people around Nigeria and indeed the world. So since 2007, we have devoted our energy to independent reportage of technology and how they affect lives.

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How Africa Can Turn the AI Wave into Inclusive Growth

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                                                                                        By Shameel Joosub

For centuries, Africa has powered global economic growth through its resources, labour, and human potential, yet too little of that prosperity has been realised on the continent itself. Today, artificial intelligence presents a rare opportunity to change that trajectory.

How Africa Can Turn the AI Wave into Inclusive Growth

As the global economic order undergoes its most significant transformation since the end of the Second World War, Africa stands at a decisive inflection point.

With the world’s youngest population, rapidly expanding digital adoption, and vast untapped potential, Africa is uniquely positioned not just to participate in the AI era, but to help shape it.

Realising this opportunity, however, will require deliberate investment, enabling regulation, and a commitment to ensuring that the benefits of AI reach all 1.5 billion people across the continent.

When I reflect on AI, what strikes me most is that it is enabled by humanity.

Intelligence is fundamentally human, and AI is an extraordinary amplifier of human creativity and capability.

It is not about replacing people. It is about empowering them to do more, faster, and better.

While this progress is remarkable, our responsibility as African businesses is to extend these capabilities beyond our corporate walls so that AI can unlock Africa’s underutilised potential and drive inclusive growth.

Unlocking Africa’s Potential Across Industries

As a purpose-led African connectivity and digital services company serving 223.2 million customers across South Africa, the DRC, Egypt, Ethiopia, Kenya, Lesotho, Mozambique, and Tanzania, Vodacom has invested strategically in AI across multiple sectors.

Our mobile networks reach a population of 588 million people. That reach must translate into opportunity.

Consider agriculture. One of our subsidiary companies, Mezzanine, leverages AI to unlock previously invisible insights into soil composition, empowering farmers to make data-driven decisions that improve crop yields and profitability.

When farmers thrive, food security strengthens and rural communities prosper. That is inclusive growth in action.

In financial services, AI is strengthening trust and security. In Kenya, Graph Network Analytics enhances M-Pesa fraud detection by mapping money movements in real time, helping protect more than 37 million customers who rely on the service in their daily lives.

As criminals target digital payment platforms, AI helps predict and prevent fraud scenarios, including SIM swap fraud and identity theft.

AI is also supporting national infrastructure. In South Africa, connectivity and IoT solutions monitor coal transport in real time from pit to port to power station.

This improves operational efficiency and supports energy security, addressing critical infrastructure challenges that have constrained economic growth.

These are not isolated examples. They represent a broader truth. Technology delivers its greatest value when it solves real problems for real people.

The Infrastructure Imperative: Modernising Regulation

Yet none of this is possible without one fundamental prerequisite: connectivity. Connectivity requires sustained investment in infrastructure, supportive policy environments, and regulatory frameworks that enable innovation.

If Africa is serious about universal access, modern and enabling regulation is essential. Spectrum licensing must be efficient and predictable. Infrastructure sharing must be supported. Universal service funds must be effectively deployed. Administrative barriers to infrastructure rollout must be reduced. Cloud and data platforms, which power AI capabilities, must be supported through enabling policy environments. These are not peripheral issues. They are fundamental to accelerating Africa’s digital and economic transformation.

These challenges represent only a portion of the regulatory barriers that must be addressed to deliver affordable, reliable connectivity to all Africans.

Pan-African Coordination: Our Collective Responsibility

Africa’s greatest advantage is its youth, but demographics alone will not deliver growth. To realise this potential, we must actively skill up young people in our schools and universities so they can take full advantage of an AI-driven future.

That requires modernising education curricula to embed AI literacy, data capability and practical problem-solving at scale. Companies like Vodacom are investing in digital skills development, but unlocking Africa’s potential will require coordinated action across government, academia and industry.

This is why governments and intergovernmental institutions such as the African Development Bank Group, the African Union, SADC, ECOWAS, and other regional bodies play a critical role in harmonising regulatory frameworks across the continent. Greater coordination can accelerate investment, enable scale, and support the development of an integrated digital economy.

Pan-African alignment of telecommunications regulation is not merely a technical objective. It is essential to unlocking inclusive growth and ensuring that Africa can compete effectively in the global digital economy.

Our Moment

Africa has long contributed to global progress. In the AI era, it has the opportunity to define its own future as a creator of innovation, productivity, and inclusive growth. The foundations are already in place. Our young population, expanding connectivity, and accelerating digital adoption position the continent to lead in ways that were not previously possible.

But this outcome is not guaranteed. It depends on the choices we make now. By modernising regulation, investing in connectivity as foundational infrastructure, and ensuring that AI empowers individuals, businesses, and communities, Africa can secure its place as a central force in the global digital economy.

 

That is the Africa I believe in. That is the Africa we are building at Vodacom, connecting people, enabling opportunity, and ensuring that technology serves the progress of society as a whole

 

Shameel Joosub, is group Chief Executive Officer, Vodacom Group

 

Source: Tech Africa News


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FG Moves to Strengthen Children’s Online Safety

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Nigeria has begun consultations on plans to introduce age restrictions for social media use, as Africa’s most populous country joins the global trend of strengthening protections for children in the digital space.

The Ministry of Communications, Innovation and Digital Economy this week launched a nationwide survey inviting parents, educators, young people and technology experts to help shape policies aimed at regulating children’s access to social media and other digital platforms.

The consultation comes amid rising concerns over online risks facing Nigerian minors as smartphone ownership and internet usage continue to increase across the country.

Dr. Bosun Tijani, Minister of Communications, Innovation and Digital Economy,  said the government is seeking a balanced approach that protects children while preserving the educational and social benefits of digital access.

“While the internet offers significant opportunities for learning, creativity, and communication, it also exposes children to risks such as cyberbullying, harmful content, online exploitation, misuse of personal data, and emerging challenges linked to artificial intelligence tools,” Tijani said.

The proposed framework could include age restrictions on social media platforms, stronger age-verification systems, and tougher accountability requirements for technology companies.

“As Nigeria evaluates potential policy approaches for protection of children online, including age restrictions, improved age verification systems, platform accountability measures, and enhanced regulatory oversight, public input is essential,” Tijani added.

The move follows alarming findings from a 2025 study cited by Nigeria’s telecom regulator. According to the Nigerian Communications Commission (NCC), nine in ten Nigerian children face at least one form of cyber risk online.

Nigeria’s push reflects a broader global trend as governments tighten online safety rules for minors.

Australia, for instance, implemented a social media ban for children under 16 in December 2025, requiring platforms such as TikTok, Instagram and YouTube to restrict access. Indonesia has also announced plans to bar under-16s from social media, while France and Denmark are pursuing similar restrictions for users under 15.

Similarly, Nigeria is confident that feedback from the public survey will help shape an evidence-based policy framework aimed at creating a safer digital environment for children.


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Nigeria’s Non-Oil Exports Hit N12.36trn in 2025 – NBS

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Nigeria’s non-oil exports rose sharply to N12.36 trillion in 2025, up from N9.09 trillion in 2024, according to the National Bureau of Statistics’ Foreign Trade in Goods Statistics report.

Nigeria’s Non-Oil Exports Hit N12.36trn in 2025 – NBS

The performance underscores ongoing efforts to diversify the economy away from crude oil, with stronger activity recorded in agriculture, manufacturing, solid minerals and other value-added sectors.

The data show that non-oil exports, which stood at N3.14 trillion in 2022 before slipping to N2.56 trillion in 2023, rebounded strongly in 2024 and climbed further in 2025, pointing to a sustained recovery across several industries.

Monthly figures for 2025 indicate relatively steady performance: exports were N1.23 trillion in January, N964.73 billion in February, and N975.45 billion in March. They rose to N1.22 trillion in April, then moderated to N903.02 billion in May and N923.13 billion in June.

In the second half, non-oil exports again firmed up, recording N1.23 trillion in July, N875.62 billion in August and N894.18 billion in September.

October exports stood at N965.60 billion, while November and December closed stronger at N1.07 trillion and N1.11 trillion respectively, reflecting consistent trade activity through most of the year.

A breakdown of the figures shows that mineral products were the top non-oil export earners in 2025. Other major contributors included prepared foodstuffs, beverages, spirits and tobacco, as well as products of the chemical and allied industries.

Agricultural exports were also significant, with vegetable products valued at N1.54 trillion, while live animals and animal products accounted for N103.4 billion.

Vehicles, aircraft and associated transport equipment generated N1.10 trillion in export earnings, and base metals and metal products contributed N646.16 billion.

Exports of stone, plaster, cement and ceramic products were valued at N369.58 billion, plastics and rubber at N244.17 billion, and machinery, boilers and mechanical appliances at N207.48 billion.

Several smaller categories collectively bolstered overall performance. Raw hides and leather products brought in N48.39 billion, footwear N27.34 billion, paper products N19.60 billion, and textiles N16.55 billion.

Miscellaneous manufactured articles recorded N22.85 billion, optical and measuring instruments N6.69 billion, precious stones N511.8 million, and wood products N636.99 million.

The latest figures, analysts say, highlight the growing role of non-oil exports in Nigeria’s trade profile and the potential for further growth as government policies continue to support production, value addition and market access in non-oil sectors.


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