Connect with us

General News

Jovago Showcases Rewards of Online Hotel Booking- Zmyslowski

Published

on

Marek Zmyslowski is the managing director of Jovago
Kindly share this post

 

Marek Zmyslowski is the managing director of Jovago.com who left Poland for Nigeria, in 2013, to launch the platform, an online hotel booking service.
Before joining Africa Internet Holding, Zmyslowski, successfully co-founded and exited online ventures in Poland.
He is an internet geek, fashion enthusiast, and sports addict.
He is also a former snowboard instructor, holding a racing license. In this interview with peter ugwu, he explained the drive behind the concept and how it can benefit the Nigerian tourism space.

Jovago.com Entrance into Nigerian Market
We actually launched in August last year. Before that we had couple of months of preparations. I can gladly say that we are growing very fast because the market has the opportunity to develop now.
We started as an online traveling agency that secures online booking for Nigerian travelers. And we launched in Nigeria, we have been able to grow and launched Senegal, Kenya, and even in Pakistan.
That is where our hubs are. Presently, we have Jovago represented in sixteen sub-Saharan African. We focus on Sub-Saharan Africa, largely because the demonstration and experience we had in Pakistan with similar experience; for instance, Nigeria.
These countries share similar challenges and opportunities. Also, we want Jovago to be a strong African brand and help in developing Sub-Saharan Africa as destination for (business) tourism.

Steps Taken by Jovago to Promote Tourism
There are so many ways to promote tourism industry. We are focusing a particular area of our strength. What we can see in Sub-Saharan Africa, Nigeria in particular, though a huge number, but the number of hotels are growing by the day.
Just last year, in Nigeria, international hotel chains signed contracts to build more hotels in the country than in any country in the world. Suffice it to say that Nigeria has become the largest hospitality market in the world.
At the same time, there are many hotels operating in the country that have been focused on corporate travelling arrangement, but with growing competition they have started to lose customers.
They do not understand what is going on; therefore, they have to wake up, re-strategize and embrace individual customers, welcome customer service, additional services and work on new ways to find customers.
This is where Jovago comes in to place. Of course, we have growing interest among international travelers coming in and going out of Africa, coupled with the growing number of hotels. The problem is, it has not been easy for the customer to find the hotel.
So, we come into place. We built and inventory of hotels in Africa, verified and put them online. We have the descriptions and did the reviews and to whoever is looking for hotels online, we give him the inventory has can trust, because getting a befitting hotel at a choice location, sometimes gets complicated.
It is like having many companies in one place; many restaurants, nightclubs and the rooms. Then, the hotels have to think of getting customer’s attention.
So, it is hard for the hotel managers to keep up with technology. In the traveling industry technology has changed, in a tremendous way, how customers behave. Before now, people never believed they can buy flight ticket from the mobile phone. This is changing very rapidly and hotels are finding it difficult to cope; but we know the business and the online marketing. Thus, we provide the platform to reach out to customers, and that is one way to promote tourism.

Jovago’s Important Role in the Market
There are two major things that differentiate us from other national and international players. First, we have the biggest inventory of hotels in Africa. Just in Nigeria, we have more than 5,000 hotels and in Africa, we have over 20,000 others and 200,000 worldwide.
Secondly, we are different from any African traveling agency, because every hotel on our platform was physically verified by our staff.
Someone went there, met with the hotel manager, shake hands, discussed the corporation, signed a copy of the agreement, get to know the staff, saw the rooms, restaurants; made the pictures, and wrote the descriptions. So, this is the guarantee: whatever you see on the website is that you will feel physically when you actually lodge into the hotel.

Dealing With Dishonest Partners (Hotels)
If we discover that, probably, after our visitations, did the reviews and signs an agreement, the hotel management fails to retain the standard, we take actions. In extreme cases, such hotel gets deleted from the platform immediately.
But that could have happened, probably, just once since we launched. Every hotel gets reviews, which is important for them, because when you run a business, may be you are going bankrupt, the reason is: you do not know why.
Sometimes, you are getting more customers or losing them, you do not know why. Every time a customer visits the hotel we get a feedback such as the likes and dislikes over the services.
We pass the comments to the hotel; this is why the growing number of reviews is very important to the customer. It helps both the customer to make decisions and the hotel management to improve on their services.
Essentially, trust is an important aspect of any thing (business) that has to do with online. You wouldn’t make payments with your credit cards if there was no trust. The whole banking system in the whole world is based on trust. It is not easy to convince an African customer to pay online. Nevertheless, we cannot force our customers to shun it.
We can only keep promoting activities that will attract their focus and give them opportunity for trial. By the time they succeed, trust is being built.
There was a customer that booked a hotel (online) under Jovago, that was his first experience on anything that as to do with online transaction. He had positive experience and continued. That was very important for us. Aside the verification as a unique selling proposition of Jovago, our customer service is very strategic.
It may sound boring or unfounded, but it is true that in Nigeria, such as banks, in fact, big companies, customer service has not been given adequate attention. While it is improving, there are areas to be addressed.
You can compare what we do with international big players like Booking.com; everything is fully automated. Of course, the booking process is very simple. As the customer books online, our customer service starts, because we will keep in touch with both parties (the hotel & the customer).
We will make sure you remember about the booking a day or two to the very date; make sure you have a taxi, for example from the airport. We will also assist in you locating the hotel via a map. Then, while you are there, if you wouldn’t mind, we will send you an email.

Jovago/Lufthansa
As a way of expatiating on the programme; we are an online booking platform, providing cheap, fast and convenience and safety.
But in Nigeria, only about five percent of all the hotel rooms available are booked online. People still prefer to call or go through a travel agency or take the risk of going to a city, sit back in a taxi and tell the driver to get him somewhere, thinking there will be a free room.
That, to me, is very stressful. If you do not know there is an opportunity to book online, of course, you will not seize the opportunity.
We are doing a lot of offline activities in a way of brand awareness marketing processes, just to communicate to our customers there is a place called Jovago.com.
We do not know if the potential customer will need the hotel now or in a month time. But the time he needs a hotel, he will remember Jovago. Therefore, we came up with an idea to organize a competition in partnership with Lufthansa airlines, a big and reliable company too. We intend giving, for instance couples, romantic getaways, etc.

Bringing Remaining 95% Hotels In Nigeria Online
Yes, it is possible, just that it will take some time. The reason is that there are no short cuts. It requires a lot of offline marketing activities, direct contact with the customers. Meanwhile, we need to understand the habit of the potential customers.
So, we go to conferences, talk to people and help them book for the first time. It is a time consuming activity, but we have the opportunity to get their attention.
The first time experience is always good for them embrace the platform. This course is something most hotels didn’t plan for while they were setting up.
For instance, we are an online company but we do a lot of offline activities too. We have to visit the hotel, plan your logistics and we have to be proactive too.

Jovago Partnership with UNICEF
This is our approach; being in Africa and doing business in Africa entails Africa gives you so many opportunities. You hire people and eventually grow your business. We feel responsible to give back.
Of course, when you hire someone and pay him salary, it is like feeding the entire people in the home, but we feel that this is not enough.
We have seen cases where very ambitious people get trapped on the way because when they were born, probably, somebody or circumstances made it that he was not registered; he was not issued a birth certificate. Such problem can limit someone success.
So, we decided on this.
We cannot do change everyone, but we can make a difference in this area. If everyone does something differently, a lot of things will change.
As people book for hotels, they can add a token of about $5 to UNICEF. We will help to collect the money and send to UNICEF for distribution to countries for help increase the rate of issuance of birth certificate to which ever child is born.

Market Share in Nigeria
It is really hard to say because the competitors do not share their numbers with us. And we do not like to share it with them too, because we are at the early level and every company would want to protect itself.
However, I can boldly say that we have been seeing month-to-month growth in traffic; it is a two digit number.
But this can be sustainable if we will be focused on online marketing activities. The online is not all that big yet; we have to create market for ourselves. To be honest, I think when other players enter the market; it will boost the market too.
How? First, it makes you think. Every time you would want to improve on your services and the customers will feel better. It is like a race; when you run a lone, you may not run as when you have ten people around. Secondly, we are at the stage where the market is not rated. It is still the tip of the iceberg. There are a lot of offline activities, but we are building the market.

Promoting ePayment through Online Hotel Booking
We are actually partnering some card companies who are willing to offer discount to their cardholders who would want to use the e-payment channels to book for their hotels. We are in partnership with two international and two local payment operators.
We have an e-payment integrator on our website that meets international standards in terms of cyber security. Since we started, we have not recorded any case of fraud. We try to communicate the obvious advantages when you book online.
It is faster, simpler and very much comfortable. We build the trust by ensuring everything is secured. By paying online, you need not carry cash.
We make sure the hotel is paid and no one will harass you on arrival. Most importantly, you get discount for booking online. For a company like Jovago, when we deal with cash, we have to process it. This is one of the ultimate reasons the Nigerian financial sector is promoting cashless society; dealing with cash costs so much money.     


Kindly share this post

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.

General News

Kaspersky Warns of “Grey” Scam Websites Exploiting User Trust

Published

on

Kindly share this post

Recent research by Kaspersky has shown that the so-called “grey” websites repeatedly target all world regions, and this may be driving both financial loss and large-scale data harvesting.

Grey websites are deceptive online platforms that fall outside traditional phishing definitions but still manipulate users into voluntarily handing over money and personal data. Kaspersky’s new report provides detailed insights into the threats posed by the grey websites on global and regional levels.

Unlike classic phishing attacks, which aim to steal credentials outright, grey websites rely on persuasion, misleading interfaces, and hidden terms to exploit users. They often impersonate legitimate services such as e-commerce platforms, financial tools, AI services, or subscription-based content, making them significantly harder to detect.

Kaspersky analysis shows that the majority of suspicious resources globally fall into several recurring categories:

  • Fake browser extensions and “security tools” that actually harvest browsing data and track user activity.
  • Fraudulent financial platforms including crypto exchanges, trading tools, and investment schemes promising unrealistic returns.
  • Intermediary services (e.g., legal or real estate), charging for low-value or nonexistent services while harvesting sensitive personal data.
  • Subscription traps offering low-cost trials that convert into costly recurring payments hidden in fine print.
  • Fake online shops that either deliver counterfeit goods or nothing at all.

Example of a grey website.

A notable trend is the emergence of tools disguised as AI services or image-processing platforms, reflecting attackers’ ability to adapt to current digital trends and target younger audiences.

There are proven security solutions that help users to detect grey websites across different types of devices – those running on Windows, Linux, Android and iOS. The detection model is based on many factors, including domain name and age, IP reputation, stability of the infrastructure used, DNS configurations, HTTP security headers, digital identity and popularity of the web resource and other criteria.

Regional specifics

Regional variations in grey websites demonstrate how threat actors localise scams based on user behaviour and trending technologies.

In Europe, the threat landscape is dominated by links to suspicious browser extensions and fake “privacy-enhancing” tools.

These resources often present themselves as security solutions, promising safer browsing or anonymous search capabilities. In reality, they function as browser hijackers – intercepting traffic, collecting cookies, tracking user behaviour, and injecting advertisements.

The popularity of these threats reflects a high level of user concern around privacy and security, which attackers actively exploit. Additionally, these regions show a steady presence of phishing intermediaries and crypto-related scams, indicating a blend of technical and financially motivated attacks.

Across African markets, financial scams are the most prominent category of suspicious resources. Fraudulent trading platforms, fake brokers, and investment schemes frequently mimic legitimate financial services, often accompanied by fabricated licenses or endorsements.

These platforms typically prevent users from withdrawing funds, instead introducing additional “fees” or taxes to prolong the scam. The concentration of these threats highlights how attackers leverage growing interest in online investing while exploiting gaps in regulatory enforcement and financial literacy.

In the Middle East and North Africa region, suspicious resources frequently mimic communication (Internet telephony) tools, financial platforms, or betting services. Additionally, Ponzi-style investment schemes and crypto scams are widespread, often presented through polished interfaces that mimic legitimate platforms.

Web browser-based threats also play a significant role, with malicious extensions targeting user data and browsing activity. The regional threat profile reflects a convergence of financial fraud and technical compromise, where users risk both data exposure and monetary loss.

“Suspicious websites don’t look harmful at first glance. But they exploit trust, urgency, and familiarity, and a single click on what looks like a harmless AI image tool, a “secure” browser extension, or a heavily discounted online shop could be all it takes to lose money or expose sensitive data.

Instead of direct credential theft, attackers turn to behavioural manipulation – whether that’s subscribing, investing, or installing software,” comments Anna Larkina, Web Content and Privacy Analysis Expert at Kaspersky.

 


Kindly share this post
Continue Reading

General News

MSMEs Paucity of Funds Receives Boost as Senate Backs Bill Seeking to Unlock Cash for them

Published

on

Kindly share this post

Businesses across Nigeria, particularly micro, small and medium enterprises (MSMEs), may soon be able to convert unpaid invoices and credit sales into immediate cash without relying on conventional bank loans following the passage of the Factoring, Assignments and Receivables Financing Bill for second reading in the Senate.

The bill, which seeks to establish a legal framework for factoring and receivables financing, is expected to improve access to credit, boost liquidity for businesses and enhance domestic and international trade.

It also seeks to provide legal certainty for the assignment of receivables through factoring, promote transparency, modernise assignment laws and facilitate greater access to credit for businesses across the country.

Leading debate on the bill which was sent from the House of Representatives for concurrence, Senate Leader Opeyemi Bamidele said on Tuesday that the proposed legislation would create an enabling environment for debt factoring to thrive in Nigeria while defining the rights and obligations of creditors, factors and debtors involved in such transactions.

He explained that the bill provides for factoring contracts between sellers and factors and clarifies the legal relationship among parties in receivables financing arrangements.

According to Bamidele, the legislation has already passed all legislative stages in the House of Representatives and has complied with the Senate’s procedural requirements under Order 78(3) of the Senate Standing Orders.

He told lawmakers that the Senate Ad Hoc Committee on Compliance, chaired by Abdul Ningi, had scrutinised and cleared the bill for concurrence.

“The committee confirmed that all procedural requirements for consideration and concurrence by the Senate have been fully met,” he said.

Seconding the bill, Adetokunbo Abiru said the legislation would provide businesses with an alternative source of financing by enabling them to turn credit sales into cash and improve their working capital.

Abiru noted that factoring has become increasingly popular across Africa over the last decade, largely through initiatives supported by the African Export-Import Bank (Afreximbank).

He disclosed that the African factoring market is currently valued at over $50 billion, but Nigeria’s participation remains below one per cent.

According to him, countries such as Egypt and Morocco have benefited significantly from the financing model, adding that Nigeria risks missing out on the growing market without a clear regulatory framework.

“I think that passing this major legislation will help support our micro, small and medium enterprises in terms of converting most of their credit sales into cash without going through the normal borrowing arrangement,” Abiru said.

In his remarks, Ningi also assured lawmakers that the compliance committee had reviewed the bill and found no legal impediments to its passage.

Following a voice vote, the Senate approved the bill for second reading and subsequently referred it to the Committee of the Whole for clause-by-clause consideration.

 


Kindly share this post
Continue Reading

General News

IMF Warns Nigeria of Risks in $5Bn Swap Deal with ‌First Abu Dhabi Bank

Published

on

Kindly share this post

The IMF on Tuesday warned of risks surrounding Nigeria’s plan to borrow up to $5 billion through a derivatives agreement with ‌First Abu Dhabi Bank, saying such transactions are often opaque and complex.

IMF Warns Nigeria of Risks in $5Bn Swap Deal with ‌First Abu Dhabi Bank

Recall that the Senate in April gave its approval to the agreement, joining other Africa borrowers like Senegal and Angola who have tapped similar arrangements over the past year.

“Our view is that the transaction in these types of structures carry risks. Usually they are opaque so the terms are not always very transparent when we reviewed these instruments ​across countries,” Christian Ebeke, IMF resident representative in Nigeria, told reporters.

Ebeke said Nigeria could instead issue eurobonds to finance its deficits or other means to raise funding, including on concessional terms.

Nigeria intends to use proceeds from the total return swap, or TRS, to refinance expensive debt and pay for infrastructure.

In its latest Article IV review, the Fund praised Nigeria’s sweeping reforms, saying they had strengthened economic stability and investor confidence, but warned that the benefits had ‌yet to reach millions of citizens and could be undermined by global shocks, including the Middle East conflict.

The reforms since 2023 under President Bola Tinubu – including fuel subsidy removal, tighter monetary policy and exchange rate liberalisation – had rebuilt buffers and improved macroeconomic management, the IMF said.

However, it cautioned that the reforms were also contributing to social strain, with poverty levels at 63% and millions facing food insecurity, underscoring a widening gap between macro gains and household realities.

The IMF said improved policy credibility and forex reforms had helped Nigeria regain access to international capital markets and attract portfolio inflows, while reducing risk premiums. The central bank says gross reserves are at $50 billion, the highest in 17 years.

But reliance on volatile foreign portfolio investment poses rollover risks, the IMF said, urging a shift towards more stable, long-term capital such as foreign direct investment.


Kindly share this post
Continue Reading

Trending