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Humans, Not Technology to Blame for eCommerce Cash-On-Delivery

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Chukwuemeka Fred Agbata, presenter of Tech Trends on Channels Television
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Whether saturated or not, the local eCommerce industry is such that a diligent and intelligent entrepreneur can still carve a niche by looking at untouched areas in the entire value chain.

No doubt, e-commerce is such an ecosystem that should even spur ‘upload’ as against the penchant for ‘download’ among Nigerians. E-commerce offers retailers elaborate window to establish an online presence, as over 80% of the online population have used the Internet to purchase something.

Still in doubt as to why e-commerce platforms will continue to berth, almost on daily basis? Consider the fact that Google recorded ten million new internet users from Nigeria in 2015; it is obvious that e-commerce represents an ebullient pathway to attract/reaching out to new customers and will continue to expand.

Unlike physical retail which principally relies on branding and customer relationships, e-commerce entails an added benefit of driving traffic from the search engines. If a customer is carrying out a search for say photo editing software, he may land on your platform even though he has never heard of you before.

To the customers, e-commerce connotes ‘immediacy’ – no going to the shops or waiting in queues, provided you are connected to the internet; goods bought online tend to be cheaper, depending on the platform and delivery arrangements; the range of goods available is vast and lets you compare prices and terms various options, especially when the paginations are well tailored; the shop never closes. It rolls on 24-hours daily and you will locate what you want much quicker while exposing you to global markets. E-commerce provides immediate feedback on prices, features, etc.

Shopping online particularly in this climate, is usually smooth until it gets to the payment stage. Principally, e-payment and cash-on-delivery are amongst the known payment options adopted by e-commerce platforms in Nigeria.

We can categorize existing payment solutions into three groups: bank wires, payment cards, (Credit & Debit) and electronic payment systems. Paypernet’s recent research on how the characteristics of these payment systems shows that these differ substantially, however, it arrived at the conclusion that “to be suitable for e-commerce, a payment system should probably have certain characteristics, such as: easy to use by the end-user; conceptually easy to understand; does not require customers or vendors to sign up before use; highly secured for customers and vendors alike; low cost; allows micropayments; anonymous; requires no additional hardware or software on the side of the client; able to develop itself independent of partners that might see the system as a threat”.

To me, the Nigerian e-commerce space has a robust e-payment system that meets the above sort of criteria. For instance, SimplePay is such a wonderful solution that allows any business or consumer with an e-mail address and a bank account to securely, conveniently and cost-effectively send and receive payments online or through their mobile phones. This app has the backing of the E-PPAN.

In August 2014, SimplePay partnered with Consumer Bureau de Change to allow Nigerians in the diaspora to instantly fund SimplePay accounts with foreign funds. In other words, any e-commerce platform can fuse into the app.

Elsewhere, KongaPay is offering fast and easy one-time signup; links your debit cards and bank accounts for seamless transfers and payments; no tokens, no CVV. Pay with just your mobile phone; set up payment subscriptions and recurring payments; receive money through your mobile number without a bank account; make airtime and cable TV payments, among others. Sensitive payment information is not stored on KongaPay. In fact, nothing can happen unless you authorize it.

To maintain the integrity of transactions between parties on the platform, all personal and business accounts are verified and logged with the BVN service and the technology is constantly monitoring, evolving, and adapting in real-time to new forms of fraud as they arise. There is no need pretending that technology does not sometimes fail. It does sometimes fail, but the rate of failure has drastically reduced and cannot be the sole reason for an e-commerce platform to rule out e-payment, going all the way cash-on-delivery!

The technology is there, and the time is ripe for cashless system. So, why is cash-on-delivery thriving in the country? A screaming headline by TechCabal reads: ‘Cash on delivery and free delivery: worst things to happen to ecommerce in Nigeria – drinks.ng founder, Lanre Akinlagun’.

Humans are to blame. The e-commerce promoters, on their part, are so much in a hurry to sell and make gains, without critically thinking on patterning the system to global standards. To me, ecommerce without e-payment is a mere glorified conventional trade. At this point, the e-commerce platforms need to hold their grounds on e-payment. Someone who trusts ATM transactions should be able to pay online. It is obvious that education is lacking and needs to be focused on.

Lack of trust on ‘anything internet payment’ will remain an issue the world over, but how are other countries tackling the perennial challenge? User education!

In as much as one expects stricter regulations to restore confidence in the people, or tie the noose on dubious platforms, the Cyber Security Law 2015 can serve some purpose here. Nevertheless, the key lies with the supposed genuine e-commerce platforms to raise alarm when ‘illegitimate’ operators deploy their dragnets in wait for the innocent online shoppers. Intelligence sharing will go a long way in curtailing online fraud.

In all, user education will help to reduce, if not eliminate the over-dependence on cash-on-delivery. It not only negates the Central Bank of Nigeria, (CBN’s), cashless policy, but exposing the deliverymen/companies to attacks and/or the temptation of theft.

 

 


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Kaspersky Reports 15% Growth in Malicious email Attacks in 2025

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According to Kaspersky telemetry, almost every second email – 44.99% of global traffic – was spam in 2025. Spam consists not only of unsolicited emails, but can also include various email threats such as scam, phishing and malware.

In 2025, individuals and corporate users encountered over 144 million malicious and potentially unwanted email attachments, representing a 15% increase compared to the previous year figures.

In 2025, APAC had the largest share of email antivirus detections: it reached 30%, followed by Europe with 21%. Next came Latin America (16%) and the Middle East (15%), Russia and CIS (12%) and Africa (6%). As for individual countries, China had the highest rate of malicious and potentially unwanted email attachments, with the share of email antivirus detections of 14%. Russia ranked second (11%), followed by Mexico (8%), Spain (8%) and Turkey (5%).

Email antivirus detections peaked moderately in June, July and November.

Key trends in email spam and phishing

Kaspersky’s annual analysis has also identified several persistent trends in the email spam and phishing threat landscape that are expected to continue into 2026:

  • Combination of various communication channels. Attackers lure email users into switching to messengers or calling fraudulent phone numbers. For instance, scam investment mailings may redirect victims to fake websites, where they are asked to provide their contact information, and then cybercriminals will follow up with a phone call.
  • Usage of diverse evasion techniques in phishing and malicious emails. Threat actors frequently try to disguise phishing URLs, for example, with the help of link protection services and QR codes. These QR codes are often embedded directly in email bodies or within PDF attachments, which not only conceals phishing links but also encourages users to scan them on mobile devices, potentially exploiting weaker security measures than corporate PCs.
  • Mailings exploiting diverse legitimate platforms. For example, Kaspersky experts discovered a fraudulent tactic that abuses OpenAI’s organisation creation and team invitation features to send spam emails from legitimate OpenAI addresses, potentially tricking users into clicking scam links or dialing fraudulent phone numbers. Additionally, a calendar-based phishing scheme, which originated in the late 2010s, resurfaced last year with a focus on corporate users.
  • Refining tactics in business email compromise (BEC) attacks. In 2025 attackers attempted to become even more persuasive by incorporating fake forwarded emails into their correspondence. These emails lacked thread-index headers or other headers, making it difficult to verify their legitimacy within an email conversation. 

“Email phishing shouldn’t be underestimated. Our report reveals that one in ten business attacks starts with phishing, with a significant proportion being Advanced Persistent Threats (APTs). In 2025, we saw an increase in the sophistication of targeted email attacks. Even the smallest details are meticulously crafted in these malicious campaigns, including the composition of sender addresses and the tailoring of content to real corporate events and processes.

“The commodification of generative AI has significantly amplified this threat, enabling attackers to craft convincing, personalised phishing messages at scale with minimal effort, automatically adapting tone, language and context to specific targets,” comments Roman Dedenok, anti-spam expert at Kaspersky.

 


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Cybersafe Foundation Partners Google to Strengthen Cybersecurity Among CCIs in Africa

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The Cybersafe Foundation has collaborated with Google in strengthening cybersecurity resilience among Critical Community Institutions across Nigeria, Kenya, Ghana and South Africa with the launch of Resilio Africa.

 

Speaking at the event in Lagos, Confidence Staveley, Executive Director of the Cybersafe Foundation, noted that while many organizations recognize the risks posed by cyber threats, conversations often stall when it comes to implementation.

“Across Africa, Critical Community Institutions are facing an increase in cyberattacks often without the capacity to defend themselves. Sub-Saharan Africa is now experiencing some of the most aggressive cyber activity globally. According to a threat report by Kaspersky, the region recorded over 42 million web attacks and 95 million malware-based, on-device attacks in just the first half of 2025.

“What’s especially concerning is the nature of these attacks: spyware, password stealers, and backdoor tools dominate, with password-stealing malware increasing by more than 60%.

“In East Africa, the scale is even more stark. Kenya alone recorded 2.5 billion cyber-threat events in Q1 2025, driven largely by phishing, mobile money fraud, and misconfigured cloud services,” she stated.

According to her, the primary barrier is not a lack of willingness but limited financial capacity to fund adequate cybersecurity measures.

“The conversation drops off at the point of taking action,” she said, explaining that many institutions lack the budgets required to implement robust security systems.

She disclosed that the programme’s provision of 10,000 hours of expert cybersecurity consultation—offered at no cost to participating institutions would ordinarily represent services valued at over one million dollars. The support, funded through a grant from Google.org, will be delivered by specialists across four participating countries.

Staveley reaffirmed that the Cybersafe Foundation remains a non-profit organization focused on supporting vulnerable communities and institutions, and described Resilio Africa as a strategic intervention aimed at strengthening digital trust across the continent, ensuring that commerce and essential public services can operate securely in an increasingly digital society.

Although the programme currently covers Nigeria, Kenya, Ghana and South Africa, Staveley acknowledged that the cybersecurity challenges extend far beyond those countries, and expressed hope that demonstrated impact from the initial phase would attract additional funding to scale the initiative to more than the 200 critical community institutions currently targeted, including underserved Francophone nations.

“This work is free to the organizations we serve, but it is not free to deliver,” she noted, underscoring the need for sustainable funding.

Explaining her personal motivation, Staveley said she views Africa’s cybersecurity challenges as opportunities for impact. Despite her engagements on global platforms, she emphasized her commitment to Nigeria and the broader African continent, describing the region as both home and a priority.

She pointed to a growing mismatch between rising cyber threats and limited investment in cybersecurity infrastructure, arguing that bridging this gap is central to the Foundation’s mission.

Staveley also clarified that Resilio Africa will not collect or own user data from participating institutions. Instead, the programme will focus on strengthening internal controls, building capacity and guiding organizations toward improved data protection practices.

With Resilio Africa now underway, the Cybersafe Foundation aims to demonstrate how targeted support for critical community institutions can enhance digital security and build long-term resilience across Africa’s rapidly expanding digital economy.


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Kaspersky Brings more Transparency to Threat Detection with New Hunt Hub

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Kaspersky has announced a major update to its Threat Intelligence Portal (TIP), introducing a new Hunt Hub section alongside an enhanced MITRE ATT&CK coverage map and a significantly expanded vulnerabilities database.

The update strengthens organisations’ ability to investigate threats, understand adversary behaviour, and proactively monitor the most relevant risks across their environments.

According to the Kaspersky Security Bulletin 2025 report, Kaspersky’s detection systems discovered an average of 500,000 malicious files per day in 2025, marking a 7% increase compared to the previous year. As cyberattacks become more sophisticated and frequent, security teams need more than alerts – they need clarity.

The newly launched Hunt Hub is designed to address growing market demand for greater transparency and deeper insight into how modern detection technologies work. Integrated into the Threat Landscape section of the Threat Intelligence Portal, Hunt Hub provides centralised access to Kaspersky’s threat hunting expertise and detection knowledge.

Hunt Hub includes Kaspersky Next EDR Expert hunts, also known as indicators of attack (IoA) or detection rules. All portal users can explore the catalogue of hunts and their descriptions, while Kaspersky Next EDR Expert customers gain extended access to detailed recommendations and detection logic presented in a convenient, SIGMA-like format. Each hunt is mapped to relevant MITRE ATT&CK tactics and techniques and linked to known threat actors, giving analysts clear context behind every detection.

By making detection logic visible and structured, Hunt Hub effectively removes the “black box” from threat detection. It allows security teams not only to respond to alerts, but also to understand why a detection was triggered and which threat it is designed to uncover – improving trust in security technologies and increasing the efficiency of threat investigation processes.

As part of the update, the MITRE ATT&CK coverage map within the Threat Landscape has been significantly enhanced. The portal now brings together product coverage across SIEM, EDR, NDR and Sandbox solutions, MITRE ATT&CK techniques with scoring, coverage percentages, and related Kaspersky Next EDR Expert hunts in a single, unified view. This enables organisations to assess how well their security stack covers relevant attack techniques and identify potential gaps in protection.

The Vulnerabilities section has also been expanded, with the CVE database now covering nearly 300,000 vulnerabilities. In addition, the portal provides more detailed information on vulnerabilities that have been exploited in real-world attacks, helping organisations prioritise remediation efforts based on actual threat activity.

“With the launch of Hunt Hub in the Kaspersky Threat Intelligence Portal, we are opening up our detection expertise and giving analysts clear visibility into how and why threats are detected. This transparency helps organisations move from reactive alert handling to informed threat hunting and proactive risk management,” comments Nikita Nazarov, Head of Threat Exploration at Kaspersky.

 


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