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

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.
E-Business
Offset Communications Slams N50m Suit against Qore Technologies for Alleged Copyright Infringement

Offset Communications Advisory Ltd has dragged Qore Technologies Ltd before a Federal High Court in Lagos, demanding the sum of N50 million as damages for the alleged infringement of its copyright.

Pic credit….https://copyrightalliance.org
Offset, in the suit marked: FHC/L/CS/1994/2025, is claiming that Qore used content from a proposal it submitted in December 2022, without formal engagement, attribution, or a licensing agreement.
“The Defendant’s execution of the content of the proposal submitted to it by the Plaintiff without any formal engagement, attribution or a licensing arrangement… amounts to an infringement of the Plaintiff’s copyright,” Offset stated in its writ of summon.
The suit filed on September 29, 2025, by Jimoh Bamigbola and Omobolaji Idris, on behalf of the plaintiff has Qore as sole defendant.
Plaintiff, a Lagos-based communications firm, in its statement of claim said it a had previously worked with Qore on Public Relations (PR) projects and was later asked to prepare a communications strategy for the company, adding that the said proposal contained ideas on employee engagement, branding, and stakeholder management.
Offset however, alleged that Qore implemented elements of the proposal, including internal communication initiatives and branding concepts, without payment or agreement.
“The Defendant executed and integrated the propositions into its Public Relations and Communication Strategy without any formal engagement… with the Plaintiff,” the statement of claim read.
The plaintiff said it discovered the alleged infringement in April 2025 and subsequently notified the defendant, but efforts to resolve the dispute failed.
It is seeking, among other reliefs, a declaration that the defendant’s actions amount to copyright infringement, N50 million in general damages, N5 million in litigation costs, 29 percent post-judgment interest, and “an order of perpetual injunction, restraining the Defendant… from further infringing on the Plaintiff’s copyright.”
Qore Technologies, however, denied the allegations in its statement of defence, arguing that the plaintiff was only engaged for limited Public Relations support services on a project basis and was paid for those services.
“The Plaintiff merely provided routine and secondary Public Relations support services… for which the Plaintiff was remunerated,” the defendant stated.
Qore further argued that the ideas referenced by the plaintiff are not protected under copyright law.
“The alleged ‘ideas’… consist of generic corporate communication practices widely used by companies… and cannot constitute original copyrightable works under Nigerian law,” it said.
The company also maintained that no binding agreement existed regarding the proposal and that its branding and communication strategies were developed internally and by its consultants.
In addition, Qore challenged the competence of the suit, stating that “the Statement of Claim discloses no reasonable cause of action” and that the court lacks jurisdiction to entertain the matter.
The defendant also filed a counterclaim, seeking N6.35 million as reimbursement for legal fees incurred in defending the suit, as well as N2 million in costs.
At the hearing on March 23, 2026, counsel to the parties identified their processes, and the court adjourned the matter to June 22, 2026, for further proceedings.
The case is expected to test the boundaries of copyright protection in Nigeria’s Communications and Public Relations industry, particularly regarding the ownership of proposals and business ideas.
E-Business
NDPC Investigates Remita, Others over Alleged Data Breaches

Nigeria Data Protection Commission (NDPC) said it is carrying out an investigation into alleged data breaches involving Remita Payment Services Ltd., Sterling Bank and other entities.

A statement on Sunday issued by Babatunde Bamigboye, head, Legal, Enforcement & Regulations, NDPC, said in line with the Commission’s procedure, Notice of Investigation was duly served on the 1st of April, 2026.
Bamigboye said relevant parties and individuals have been providing information for the purpose of addressing the incident.
“The aim of the investigation is to ensure that data subjects are protected with appropriate technical and organisational measures.
“The investigation by NDPC covers, among others, the types of personal data involved, the nature and scope of the alleged breach, the risk to data subjects and the mitigation measures carried out where a breach is confirmed,” he explained.
Vincent Olatunji, Commission’s National Commissioner/CEO, has directed that organisations that employ digital payment systems without putting in place appropriate technical and organisational measures as mandated under the Nigeria Data Protection Act, 2023 (NDP Act), will also be examined as part of a wider effort to ensure the integrity of the ecosystem.
E-Business
Nigeria Mulls National Cybersecurity Council

Federal Government has unveiled plans to establish a National Cybersecurity Coordination Council, signaling a shift toward a more unified, intelligence-driven approach to defending the country’s rapidly expanding digital economy.

Conceived as a non-statutory, multi-stakeholder body, the proposed Council will enhance coordination, enable trusted information sharing, and guide government strategy on cybersecurity, risk management, and national response amid increasingly complex cyber threats.
The initiative, championed by Bosun Tijani, minister of communications, innovation and digital economy, is designed to bring together government institutions, private sector players and technical experts into a single collaborative platform to strengthen the country’s cyber resilience.
Tijani noted that this initiative comes in response to a wave of recent cyber incidents that have disrupted operations across key private institutions and public sector.
In recent times, Nigeria’s financial system has faced mounting cyber pressure, reflecting global trends as cybercrime is projected to cost the world over $10.5 trillion annually, according to Cybersecurity Ventures.
Analysts say these attacks are increasingly coordinated and sophisticated, prompting the government to recognise that fragmented, institution-specific approaches can no longer manage systemic cyber risks effectively.
Under the new framework, the government aims to promote a “collective defence” model, an approach widely adopted in advanced digital economies where threat intelligence is shared in real time across institutions.
The Council is expected to include chief information security officers, cybersecurity associations, the Nigerian Computer Society, global technology providers, researchers, law enforcement agencies and civil society groups, ensuring a broad-based and technically grounded response architecture.
Key priorities will include developing national threat intelligence-sharing systems, harmonised cyber defence protocols, and coordinated incident response, while strengthening capacity to close Nigeria’s cybersecurity talent gap.
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