Broadcasting
How Automated Payments Can Reshape Savings Beyond Local Cooperatives

By Ope Adeoye
In the bustling market of Bodija in Ibadan, you’ll find Mama Fola sitting under her umbrella stall, a ledger open beside her cooler of peppered ponmo and egusi. She’s not just a food seller — she’s also a long-time member of the Ire Ayo Traders Cooperative, a savings group that has supported women in the market for nearly 15 years.

Ope Adeoye
But until recently, that support came with a cost — not just in naira, but in time, energy, and emotional stress.
“Every week, our collection officer would walk stall to stall to collect our contributions,” Mama Fola says. “Sometimes we’d forget. Sometimes there was no change. And sometimes, we’d say ‘come back tomorrow’ — and she’d have to come back again.”
Across Nigeria, cooperative societies have long served as community lifelines — helping everyday people save money, access loans, and weather economic storms. But for all the good they do, many cooperatives still face one silent struggle: getting members to pay consistently, and on time.
And at a time when Nigeria is grappling with record inflation, currency devaluation, and reduced access to formal credit, the stakes have never been higher. If cooperatives — which serve as the main financial entry point for nearly half of adult Nigerians — cannot function efficiently, millions could be locked out of essential economic support.
In markets from Lagos to Kaduna, collection officers make daily rounds, send endless reminders, and often spend more time chasing payments than managing finances. This friction doesn’t just cause stress — it limits the ability of cooperatives to grow, plan, and include more members.
The high cost of missed contributions
For Ire Ayo, late payments weren’t just an annoyance — they were a structural challenge. Delays meant they couldn’t disburse loans on time. New members were limited, because it was too hard to track everyone. And when members dropped out, they rarely came back.
“People think running a cooperative is just about collecting money,” says Titilayo Adebayo, the society’s administrator. “But it’s really about trust. If members don’t pay, the group suffers. And if you’re always chasing people for money, that trust breaks down.”
A 2023 study by Enhancing Financial Innovation & Access (EFInA) found that nearly 46% of adult Nigerians rely on informal financial groups like cooperatives. Yet many of these groups still operate with pen and paper, and struggle to scale or sustain their services.
A quiet shift: From reminders to reliability
In 2024, Titilayo introduced a small but significant change. After consulting with members and local tech partners, Ire Ayo moved to a direct debit system that allowed members to approve a one-time mandate for monthly contributions.
“I was skeptical at first,” she says. “Would members trust it? Would it work with all our banks?”
But within the first month, collection rates went up by 30%. Members started receiving debit alerts — without reminders, without awkward follow-ups. Contributions became predictable. And Titilayo? She finally had time to do more than chase money.
“Now, I help members plan how to use their savings. We’ve started financial literacy sessions. We’re even exploring group insurance.”
What automation unlocked
The benefits weren’t just operational. For members like Mama Fola, the system gave her dignity — and peace of mind.
“Sometimes I’d feel ashamed when I delayed payment,” she admits. “Now, the money goes quietly, and I feel proud that I’m still part of something.”
The cooperative also began welcoming younger traders, okada riders, and even diaspora members who wanted to support family members back home.
One of the tools the group used was PaywithAccount — a direct debit solution developed by Nigerian fintech company OnePipe, which allows businesses and organisations to securely pull payments from customer bank accounts with consent.
For cooperatives, this kind of tool isn’t about going digital for the sake of it. It’s about removing the friction that slows down their mission.
“We’re not trying to be a tech company,” Titilayo laughs. “We just want to help people save better, borrow responsibly, and build something together.”
Why this matters now
Cooperatives are the frontline institutions of Nigeria’s financial resilience — especially for people the formal banking sector still hasn’t reached.
In a country where small businesses account for over 80% of employment, and where trust in digital finance is still growing, making it easier for people to save and contribute consistently can have ripple effects. It can stabilise communities, fuel micro-enterprises, reduce reliance on predatory lending, and help millions move from survival to stability.
“When our people save better, they live better,” Titilayo reflects. “And when they live better, the economy can breathe.”
A new kind of progress
The shift may look like a technical adjustment — but in reality, it’s a quiet revolution. Not just in how people pay, but in how they build control, confidence, and collective progress.
It’s a reminder that financial inclusion doesn’t always mean big ideas or flashy innovations. Sometimes, it’s as simple — and powerful — as making it easier to pay what you already planned to.
And for cooperatives like Ire Ayo, that kind of ease is helping turn every contribution into something greater: a pathway to stability, dignity, and shared success.
Broadcasting
Court Deals Fresh Blow to NBC, Throws Out Appeal over Broadcast Fines

The Court of Appeal in Abuja has dismissed an appeal filed by the National Broadcasting Commission (NBC) challenging a Federal High Court judgment that restrained the commission from imposing fines on broadcast stations.

Delivering judgment, Justice Jane Esienanwan Inyang held that the appeal was fundamentally defective and therefore incompetent.
The appeal stemmed from a Jan. 17, 2024 judgment delivered by Justice Rita Ofili-Ajumogobia of the Federal High Court, Abuja, which barred the NBC from enforcing N5 million fines imposed on several broadcast stations in 2022.
The sanctions had been issued over allegations that the stations aired documentaries on banditry and insecurity considered by the commission to be capable of undermining national security.
The affected broadcasters included Multichoice Nigeria Limited, owners of DStv, TelCom Satellite Limited, Trust TV Network Limited and NTA StarTimes Limited.
The suit was instituted by Media Rights Agenda (MRA), which challenged the legality of the fines imposed by the commission.
In her ruling, Justice Inyang pointed to a discrepancy in the appeal documents, noting that the respondent before the Federal High Court was listed as the “National Broadcasting Commission,” while the notice of appeal identified the appellant as the “Nigerian Broadcasting Commission.”
According to the court, the inconsistency was substantial enough to deprive it of the jurisdiction required to entertain the appeal.
“The notice of appeal is the foundation of an appeal and a condition precedent to the exercise of appellate jurisdiction by this court,” the judge held.
Consequently, the appeal was struck out without consideration of the substantive issues raised by the commission.
The ruling represents another setback for the NBC in its efforts to defend its authority to sanction broadcast organisations through administrative fines.
In April 2026, the Court of Appeal similarly dismissed a separate appeal by the commission against another judgment that restricted its powers to impose fines on broadcasters.
Earlier, in May 2023, the Federal High Court in Abuja ruled that the NBC lacked the judicial authority to impose penalties on media organisations without recourse to the courts.
The controversy over the commission’s sanctioning powers dates back to March 2019 when the NBC imposed N500,000 fines on 45 broadcast stations for alleged violations of the Nigerian Broadcasting Code during the general elections.
At the time, the then Director-General of the commission, Is’haq Kawu, said the sanctions were imposed for ethical breaches and violations of broadcasting regulations.
Legal analysts say the latest judgment reinforces previous court decisions limiting the commission’s authority to impose fines on broadcasters without judicial intervention.
Broadcasting
Nigeria Launches FreeTV Nationwide

Nigeria has launched FreeTV, a broadcasting platform, designed to provide households across the country with free access to digital broadcasting, improved picture quality, and a wide range of local and international content without subscription fees.

The announcement was made in a post on the official X handle of the Presidency, describing the initiative as part of President Bola Ahmed Tinubu’s Renewed Hope Agenda, which prioritises inclusion, expanded access to opportunities, job creation, support for local enterprise and the use of technology to improve daily life for citizens.
According to the statement, FreeTV forms part of Nigeria’s Digital Switch-Over (DSO) programme and is intended to ensure that no Nigerian is excluded as the country transitions fully from analogue to digital broadcasting.
The platform will offer access to more than 100 national, regional and state-owned channels, covering news, sports, films, music, children’s programming, educational content, as well as dedicated Yoruba, Hausa and Igbo language channels.
The Presidency noted that the service will be accessible through satellite, terrestrial transmission and a dedicated FreeTV mobile application, enabling coverage for users in urban centres, rural communities and previously underserved areas that were not fully captured in earlier DSO pilot phases.
It also clarified that Nigerians will not need to purchase new television sets to access the service. Existing televisions can work with compatible DVB-T2 or DVB-S2 decoders, while users with already compatible free-to-air devices may not require additional equipment.
Speaking ahead of the launch, Charles Ebuebu, director-general, National Broadcasting Commission (NBC), said the initiative reflects the administration’s broader digital inclusion strategy.
“FreeTV speaks directly to President Bola Ahmed Tinubu’s vision of Renewed Hope towards expanding access, creating opportunity and ensuring that every Nigerian, regardless of location or income, can benefit from the digital economy. With FreeTV, families across Nigeria can enjoy quality digital television without a monthly subscription, while our local content producers, technicians and young creatives gain new platforms and new jobs,” he said.
The statement added that the platform will also strengthen Nigeria’s creative and broadcast industry through regional production hubs in Lagos, Abuja, Port Harcourt, Enugu, Kano and Benin, creating employment opportunities for content creators, editors, camera operators, sound engineers and other media professionals.
The Presidency further disclosed that the final analogue switch-off remains scheduled for December 31, 2028, urging Nigerians to begin preparations by confirming decoder compatibility and downloading the FreeTV mobile application ahead of rollout.
Broadcasting
Stakeholders Endorse Hybrid Model for Nigeria’s Digital Switch

Stakeholders in Nigeria’s broadcasting industry have endorsed a hybrid digital broadcasting model that combines Digital Terrestrial Television (DTT), Direct-to-Home (DTH) satellite services, and digital application-based platforms for the country’s Digital Switch Over (DSO) programme,

The resolution was reached at a high-level stakeholder meeting convened by the National Broadcasting Commission (NBC) under the supervision of the Federal Ministry of Information and National Orientation at NICON Luxury Hotel, Abuja.
The meeting, chaired by Alhaji Mohammed Idris, minister of Information and National Orientation, brought together regulators, broadcasters, signal distributors, set-top box manufacturers, content producers, satellite operators, and industry associations to chart a sustainable path for Nigeria’s long-delayed digital migration project.
Addressing stakeholders during the closed-door engagement session, the minister described the meeting as a collaborative effort aimed at finding practical solutions to challenges facing the DSO project.
“This engagement is a family discussion aimed at finding practical solutions to ensure the success of the Digital Switch Over project. Government has no hidden agenda, and all decisions will be guided by national interest, stakeholder inclusion, and the long-term sustainability of the broadcasting industry,” he said.
The minister acknowledged concerns raised by industry players regarding stakeholder consultation and participation in previous phases of the project, noting that while broader engagement should ideally have commenced earlier, there remained an opportunity to build consensus and move forward together.
“While there may be differing views on implementation approaches, there is broad agreement that Nigeria must complete its digital migration journey. We must work collectively to achieve this national objective,” he stated.
Mr Charles Ebuebu, director general, NBC, described the stakeholder meeting as “iconic”, noting that it marked a turning point in Nigeria’s efforts to complete the digital migration.
He said the country had spent over a decade on the DSO journey, missing several deadlines, but expressed optimism that a clear implementation plan was now being developed.
Ebuebu said the commission, in collaboration with stakeholders, is working toward a sustainable model that ensures return on investment for industry players while delivering value to the nation.
He said that the outcome of the consultation process would produce a unified framework for implementation and communication going forward.
Mrs Jane Nkechi Egerton-Idehen, managing director, Nigerian Communications Satellite (NIGCOMSAT), said the DSO initiative forms part of broader federal interventions aimed at building a sustainable broadcasting ecosystem.
She explained that government investments had supported satellite coverage, national call centres, and regional production studios across the country.
According to her, the objective is to address gaps in content distribution and ensure that Nigerian broadcasting reflects the country’s linguistic and cultural diversity.
“We are not departing from the original plan. We are innovating on how it is implemented,” she said.
She also highlighted efforts to expand access to production facilities across geopolitical zones to support content creators and reduce dependence on major urban centres.
The meeting attracted 128 participants, including the Director-General of the NBC; Permanent Secretary of the Federal Ministry of Information and National Orientation, Dr. BRM Ukire; Director-General of the Nigerian Television Authority (NTA), Abdulhamid Dambos; Director-General of the Advertising Regulatory Council of Nigeria (ARCON), Dr Olalekan Fadolapo; Chairman of the Broadcasting Organisations of Nigeria (BON), Chief Tony Akiotu; Managing Director of NIGCOMSAT Ltd, Mrs Jane Nkechi Egerton-Idehen; and representatives of licensed broadcasters and other industry stakeholders.
During deliberations, stakeholders agreed that the DSO project remains both necessary and desirable for Nigeria, emphasising that the transition should prioritise national interest, industry sustainability, local content development, local manufacturing, and job creation.
Among the key resolutions reached was the affirmation that Digital Terrestrial Television (DTT) remains a critical component of the DSO framework and should not be discontinued. Participants also agreed on the need to reconstitute the DigiTeam implementation platform to provide a structured mechanism for consultation, collaboration, and industry participation.
Stakeholders further called for stronger engagement between regulators and industry players, with an agreement that stakeholder meetings would be held at least quarterly to ensure continuous alignment on implementation strategies.
The meeting also welcomed ongoing efforts by the NBC and ARCON to develop a sustainable business model aimed at improving audience measurement systems, strengthening advertising revenue generation, and enhancing the long-term viability of broadcasting organisations.
In addition, stakeholders were assured by NIGCOMSAT of the reliability of satellite infrastructure supporting the DSO platform.
The company disclosed that backup arrangements with alternative satellite operators were already in place to guarantee uninterrupted service and eliminate the need for subscriber dish realignment.
As part of the agreed next steps, the Federal Government, through the Ministry of Information and National Orientation, will reconstitute the DigiTeam stakeholder platform, while the NBC will continue consultations with set-top box manufacturers and other industry stakeholders to address concerns relating to existing investments and future participation in the digital broadcasting ecosystem.
The stakeholders expressed confidence that the renewed collaborative approach would accelerate Nigeria’s digital migration, improve broadcasting services, expand audience reach, attract investment, create jobs, and deliver greater value to Nigerian consumers.
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