E-Business
Key Considerations in Using a Web Application Firewall

Cyber security specialists are realising more and more the growing danger of application layer threats to a network.
While there is no denying the need to remain aware of distributed denial of service (DDoS) attacks, application layer attacks are very difficult to detect and provide little or no advanced warning before attacking your applications.
This is according to Simon McCullough, major channel account manager at F5, the specialist in application delivery networking and technology for the delivery of web applications, as well as security and network and cloud resources.
McCullough said, “Administrators and security teams are finding it increasingly difficult to keep up-to-date with the latest attacks and protection measures. Applications are the gateway to data and data is what hackers are after. In an attack on applications, traditional network firewalls are not a defence. Here, you need a web application firewall (WAF).
“As we become increasingly aware of the dangers posed by application layer threats, it is useful to revisit the F5 White Paper, ‘Key Considerations in Choosing a Web Application Firewall’, which notes that a robust WAF is a requirement of network security. This has come about in a cyber landscape in which enterprises are extending their businesses by using more web-based and cloud-hosted applications, which in turn are inviting increasingly sophisticated attacks that threaten enterprise data.”
McCullough said the White Paper offers a number of useful considerations in choosing your WAF.
He noted that the first consideration is the choice of WAF deployment model, which includes: hardware WAF appliance to protect critical applications maintained in a traditional data centre; deploying a WAF as a software-based virtual edition (VE), which is a cost-effective option for small-to-medium-size businesses or those wanting to deploy protections closer to the app; and cloud-based WAF (WAF-as-a-Service) to intercept web traffic before it enters the network or reaches the server in the cloud.
He said, “The White Paper distinguishes between initial basic considerations when deploying a WAF, and further advanced considerations.”
Basic considerations when deploying a WAF
Network architecture and application infrastructure
Web application firewalls are designed to watch and respond to HTTP/S traffic. They are most often deployed as appliances in the line of traffic between the requester and the application server, inspecting requests and responses before forwarding them. Inline deployments tend to be most effective in actively blocking malicious traffic based on policies and rules that must be applied judiciously to avoid dropping legitimate traffic. A WAF can also be deployed “out of band”, which allows the WAF to observe traffic from a monitoring port. This non-intrusive “passive” deployment option is ideal for testing the WAF without impacting on traffic, yet still enabling the WAF to block malicious requests.
Security effectiveness and detection techniques
Today’s leading WAFs employ a combination of techniques to ensure accurate detection coverage that does not block legitimate traffic.
Traditionally, the most widely used WAF configuration has been a negative security model, which allows all transactions except those that contain a threat/ attack.
In recent years, positive security models have become popular. This approach blocks all traffic, allowing only those transactions that are known to be valid and safe. The positive approach is based on strict content validation and statistical analysis.
An integrated positive and negative approach can also be implemented.
Performance, high availability and reliability
WAF capabilities should include these features:
- Caching copies of regularly requested web content to reduce repeated requests to back-end servers.
- Automatic content compression to provide for more efficient network transport.
- Hardware-based SSL acceleration to speed SSL processing and reduce the burden on back-end web servers.
- Load balancing web requests across multiple back-end web servers to optimise performance.
- Connection pooling to reduce back-end server TCP overhead by allowing multiple requests to use the same back-end connection.
Virtual patching and scanner integration
Although developers apply best practices in secure coding, and perform adequate security testing of applications, all applications are prone to vulnerabilities. Additional tools are needed to detect, validate and patch software exposures until a new application code is made available.
Virtual patching requires no immediate changes to the software, and it allows organisations to secure applications immediately upon dynamic application testing. Virtual patches are a key component of a strong WAF, often requiring integration with a vulnerability scanner.
PCI DSS compliance
Malicious attacks designed to steal sensitive credit card information are increasing, with more and more security breaches and data thefts occurring daily. The PCI DSS requirements have been revised in an attempt to prevent these types of attacks and keep customer data secure.
Protection against application attacks
With the continued growth of multi-layered attacks, IT managers need a strong WAF solution. A good WAF ensures application security and availability by providing comprehensive geolocation attack protection from layer 7 DDoS, SQL injection, Open Web Application Security Project (OWASP) Top Ten application security risks, cross-site scripting, and zero-day web application attacks. It also can prevent execution of fraudulent transactions, stop in-browser session hijacking, and secure AJAX applications and JSON payloads.
When evaluating a WAF, make sure you understand the full scope of protections it offers to ensure that your business receives the best coverage.
Data classification of protected applications
More and more attackers are encrypting their attacks, therefore your WAF solution needs to be able to understand the application and the data that it is protecting. If that data is encrypted, your WAF must be able to decrypt the information and then classify the data within the apps in order to provide additional protection. A strong WAF can terminate SSL traffic, expose what is inside it, and make security decisions based on the encrypted data.
Visibility and reporting
Reports provide visibility into attack and traffic trends, long-term data aggregation for forensics, acceleration of incident response, and identification of unanticipated threats before exposure occurs. Many WAFs also integrate with database security products to give administrators a real-time view into the operation of their websites, and provide reports on web-based attempts to gain access to sensitive data, subvert the database, or execute denial of service (DoS) attacks against the database.
Advanced considerations when deploying a WAF
McCullough notes further advanced considerations when deploying a WAF, as set out by the F5 White Paper, as follows:
- Automatic attack detection to identify more evasive bot sequences that may escape traditional detection methods, and identify unauthorised, automated attacks upon the first attempt to access an application.
- Device ID and fingerprinting in order to identify a client.
- SSL offload to other network resources, allowing applications to dedicate important CPU resources to other processing tasks, which can improve performance.
- Behavioural analysis to understand volumetric traffic patterns and scan for anomalous behavior, as well as assess average server response time, transactions per second, and sessions that request too much traffic – to use as a baseline for determining whether an attack has commenced.
- Security operations centre: A responsive security team should include experts who analyse threats and malware, and who reverse engineer code to uncover how attacks work and how to mitigate them. The WAF vendor should work with you to mitigate threats as they arise, as well as enhance your organisation’s own security practices.
- Anti-fraud capabilities: More advanced WAF solutions integrate with web fraud detection services to simplify deployment, streamline reporting, and strengthen the overall application security posture by thwarting requests from validated fraudsters.
- Ease of management: You should be able to deploy your WAF with security policies that immediately address common attacks on web applications, including HTTP(S) attacks.
- Scalability and performance: Organisations need to ensure application availability, even when under attack.
- Vendor release cycle: With the threat landscape changing so quickly, vendors that offer more frequent release can help decrease your window of exposure and reduce the risk of your applications becoming compromised by a new or emerging threat.
Anton Jacobsz, managing director at Networks Unlimited, a value-added distributor of F5 in Africa, concludes, “Application attacks have definitely been increasing over the past few years, due to the increasing proliferation of useful web apps which, concomitantly, increase a network’s vulnerability. Web application firewalls detect and block malicious attacks woven into safe-looking website traffic that may have slipped through the traditional security solutions, by examining incoming HTTP requests before they even reach the server.”
E-Business
NITDA DG Reaffirms FG Commitment to Responsible and Inclusive AI

The Federal Government of Nigeria has reaffirmed its commitment to building a responsible, inclusive, and sovereign artificial intelligence ecosystem to enable Nigeria to transition from being a passive consumer of AI technologies to an architect and builder of indigenous AI systems.

This was said by the Director General of the National Information Technology Development Agency (NITDA), Kashifu Inuwa Abdullahi CCIE, while delivering a virtual address at the InnovateAI Conference held in Lagos.
The conference brought together policymakers, technology leaders, innovators, and stakeholders to discuss the future of artificial intelligence and its role in driving Nigeria’s digital economy and national development agenda.
Inuwa outlined Nigeria’s ambition to transition from being a consumer of artificial intelligence technologies to becoming a builder and owner of AI systems that reflect national values and priorities, in line with the National AI Strategy.
“Our goal is not just to use AI, but to architect and build our own AI systems in Nigeria,” he said, stressing that the country must take ownership of its AI future.
He noted that Nigeria’s approach to artificial intelligence extends beyond innovation to include governance, infrastructure, data sovereignty, and policy evolution.
According to him, “Responsible AI is never a finished job; it is an iterative journey. Our policies must evolve as the technology evolves, and we must avoid frozen laws by adopting living policies that adapt over time.”
He cited the implementation of the Digital Economy and E-Governance Bill as a key mechanism for generating insights that will help refine AI regulations and governance frameworks.
Inuwa also highlighted the challenge of data representation in global AI systems, noting that most models are trained on non-African datasets, which often results in bias against local dialects, cultures, and demographics.
“If a model shows bias against a local dialect or demographic, we cannot just patch it. We must reinvest in infrastructure to retrain it with inclusive and representative local datasets,” he stated.
He added that building national AI infrastructure is critical to achieving data sovereignty and ensuring that Nigeria is not merely an end user of foreign AI systems.
He further called for strategic partnerships with global technology companies and hyperscalers to build AI infrastructure in Nigeria while aligning with local values and national priorities.
“The world today is a global village. We need to work with global players, but they must understand our local nuances and help us build the infrastructure to retrain and develop AI models that reflect our context,” he said.
The NITDA Director General explained that adopting a comprehensive AI lifecycle approach, from responsible data collection and governance to deployment and continuous feedback, will enable Nigeria to move from reacting to AI developments to proactively designing indigenous AI systems.
“Without understanding how AI models are trained, how decisions are made, and how models are retrained, it will be difficult to build a responsible and trustworthy AI system,” he warned.
He reaffirmed that the Federal Government is intentional about promoting responsible AI and is working closely with the technology ecosystem to co-design national AI guardrails. He described platforms such as the InnovateAI Conference and other national AI dialogues as critical to shaping Nigeria’s AI future.
E-Business
Mutual Benefits Assurance Settles ₦5.9bn Claims in January 2026

Mutual Benefits Assurance, a leading Nigerian insurance company, has paid a total of ₦5,937,665,353.57 in claims to policyholders in January 2026 alone, underlining its strong financial capacity and unwavering commitment to prompt claims settlement.

Mutual Benefits Assurance
A breakdown of the figures shows that ₦3,426,602,834.28 was paid under its General (Non-Life) Insurance portfolio, while ₦2,511,062,519.29 was paid across its Life businesses, including Group Life and Retail Life policies.
The significant payout within a single month reinforces Mutual Benefits’ reputation as a dependable insurer that honors its obligations swiftly and responsibly.
Commenting on the development, Olufemi Asenuga, Managing Director, Mutual Benefits Assurance Plc stated that claims settlement remains the core promise of insurance and the ultimate test of an insurer’s credibility.
“Insurance is built on trust. Our ability to settle over ₦5.9 billion in claims in one month demonstrates not only our financial strength, but also our deep commitment to our policyholders. At Mutual Benefits, we do not just sell policies. We stand by our promises,” he said.
With over three decades of operations, Mutual Benefits has consistently positioned itself as a strong and well-capitalised insurer.
The company operates both Life and General Insurance businesses and remains fully compliant with regulatory capital requirements as stipulated by the National Insurance Commission (NAICOM).
The January payout reflects Mutual Benefit’s robust underwriting standards, prudent risk management practices and efficient claims administration framework.
It also aligns with the company’s broader record of substantial claims settlement in recent years, reinforcing its standing as a trusted brand in the Nigerian insurance industry.
Mutual Benefits employs over 5,000 staff, managed by seasoned management team and an experienced Board of Directors. Industry observers note that prompt claims payment remains one of the most critical differentiators in Nigeria’s competitive insurance landscape.
By consistently settling valid claims without delay, Mutual Benefits continues to strengthen customer confidence, deepen market trust and expand its footprint across retail and corporate segments.
As the company begins 2026 on a strong footing, it reiterates its commitment to innovation, service excellence and delivering value to policyholders and stakeholders alike. Mutual Benefits Assurance focused on its mission to provide reliable risk protection solutions while maintaining the highest standards of professionalism and integrity.
E-Business
NITDA Warns Nigerians of Actively Exploited Microsoft Office Vulnerability

National Information Technology Development Agency (NITDA) has issued an urgent cybersecurity warning about a serious Microsoft Office vulnerability (CVE-2026-21509) that attackers are actively exploiting.

This advisory, shared through Nigeria’s Computer Emergency Response Team (CERRT.NG), highlights the risks of this flaw and recommends immediate action to protect systems.
Microsoft has released quick security updates to fix this vulnerability, which has a severity score of 7.8, showing it is a serious risk. Attackers have already used it in targeted attacks.
CVE-2026-21509 affects multiple versions of Microsoft Office, including Office 2016, Office 2019, Microsoft 365 Apps, Office 2021, and later versions.
This flaw allows attackers to bypass security features meant to stop harmful Object Linking and Embedding (OLE) controls. OLE is an older Microsoft technology that can be used to embed links or content, but it has often been exploited by malware.
By exploiting this flaw, attackers can create specially designed Office documents.
When a user opens these documents, they can run malicious code or gain further access to the system.
Exploitation requires user interaction, meaning attackers often trick people into opening harmful Word, Excel, or other Office documents. Common methods include using email attachments or files from untrusted sources.
Because Microsoft confirmed that the vulnerability is being actively exploited, they have made emergency security updates available outside their usual schedule. Users and organisations should:
- Install the latest Microsoft Office security updates for all affected versions.
- Restart Office applications for Office 2021 and later to ensure that the updates take effect.
- Use registry-based settings for protection if updates can’t be applied right away.
- Follow good cybersecurity practices, like using endpoint protection and filtering emails.
Microsoft’s updates for Office 2021 and newer versions are automatically applied, but need a restart of the applications to be active.
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