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Local Developers Must Follow Internationally Standards-Agu

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George Agu, managing director, Neptune Software Nigeria Limited a financial application provider has experience in software development, programming, consulting and among others

He has worked in several parts of the world building along over 10 year experience in the industry.

Agu spoke to chike onwuegbuchi and funmi ilesanmi on issues industry.

Dominance of foreign software in the ICT industry
There are many reasons for the dominance of foreign software in the Nigerian economy. To be fair, most local IT companies have not lived to expectations and standards required by the local market. Added to the ability of the local banks to afford even then most expensive products overseas, you would not blame our banks for choosing to patronize foreign product.

Bear in mind that Neptune Software Plc is an IT group incorporated in the United Kingdom with offices in many countries in Africa including Nigeria, Kenya, South Africa, Uganda, and other countries in Europe and Asia. Neptune thinks globally but acts locally in countries where it has interest. I believe that for this reason, you may consider Neptune a local company as well as an international company. The major difference between Neptune Software and most other companies that you would find in Nigeria and the larger African territory is that Neptune strictly follows international best practices for its software development. The rewards of this approach can easily be seen from the spread of its customer base across many parts of the world.

Some of the best practices that we have adopted towards our software and the running of the organization include CMM model (Capability Maturity Model) which enables us to monitor and manage the self maturity of our development processes and at the same time compare this with what you will find in many other similar establishments. I consider that many software companies, be it local or international should focus on developing solutions that are internationally accepted because much as Nigeria is a local market, it equally has influence in the way other markets in Africa evolve.

You will remember that Neptune Software completed its first cycle of certification on best practices in 2005 when it accomplished the ISO9001:2000 in year 2005. It has since renewed this achievement and also advanced in the CMM certification. All our processes both in general management and software development are carried out along these lines so….there are lots of standards built around our development strategy and policies to ensure that our solutions are accepted in both local and international market

Patronizing Local Operational Banking Solution

It is going to be a multi-pronged approach; the government has a role to play in ensuring that the infrastructure in place encourages even the local developers in their minimum development activities. Similarly, government should not just recommend that banks and other local organizations support local software developers and stop there. Instead, they should come up with a framework that compels local software developers to develop according to internationally accepted standards and best practices; and in tandem compel the banks and other organizations to patronize local software that have proven to be reliable and are able to address specific business requirements. May be I should ask you…are the government agencies buying local software and have they patronized local software solutions more than they have for foreign ones? They (government) have a role to play in motivating the whole idea.
Well, as I said in the case of Neptune Software, our software is not entirely local because we have three development centers across Europe, Asia and Africa and there are many reasons for that. You will agree with me that England is a financial center for many organizations and as such a lot of things evolve from that point. India is a very big development centre and outsourcing centre for software development and we have a bunch of qualified IT personnel and people who are quite sound to handle virtually any kind of software development in Nigeria. We are tapping into that aggressively.

Talking about motivating local banks to invest in local solutions, I think the point to start from is for the government to bring in policies that will encourage local software purchasers not to pay taxes and duties for local software. They could also invest in the Universities by ensuring that their curricula conform to international standards and best practices. With that, you can have graduates who are self starters and who can almost add value to their organizations from day one. Presently, you will find some graduates who may not find their way in even powering up a computer, and etc so the learning program has to be promoted. Our schools are dilapidated, you get people from universities and they are still talking about BASIC, COBOL and PASCAL, there is no modern solution that runs on any of these tools. Modern solutions run on J2EE, Object Oriented Programming tools or Service Oriented Architecture; solutions built on these tools are the best today.

As for Neptune, I can confirm to you that we have been well accepted in this economy. In Africa I would say we have a bigger market share than most other banking software suppliers. In Nigeria for example we are supporting three commercial banks, added to some other 45 microfinance banks that depend on our solution. I think that is a remarkable success for us.  In Kenya alone, we have about eight banks, in Uganda we have about eight banks,  In Tanzania, we have about four banks; Zambia, two banks; Zimbabwe, four banks; Mozambique,  one bank; we have just registered one in Ethiopia and one in the UK. Would you not consider us to be truly international and successful? Most recently, Neptune Software has been ranked fifth in the IBS League table ahead of many international software vendors who have seemingly preferred solutions in Nigeria. That tells you that something is wrong somewhere.

When we talk about local organization to invest in local technologies, we believe that the government needs to invest not only on the infrastructure but also on the social engineering. I read about the government planning to market Nigeria outside, that is to the world but Nigeria needs to be marketed to the Nigerian people. They need to make us realize and believe that things made in Nigeria can actually work for us because it is more of a thing of the mind. It is a psychological thing! People don’t believe that things can work in Nigeria but we have been able to manage a whole lot of things by ourselves. There are Nigerian products that are being exported which people do not know.

Power Play on Bank’s Support for Foreign Software
Some of our banks believe that a way to better market themselves is having to boast that everything they do is foreign, so they would rather stay away from local products for as long as it enables them to boast that everything they have is of foreign origin even when what you have locally is better than what they have procured from overseas. You will notice a number of Indians in Nigeria doing things that Nigerians can do even better, these are rookies, and a lot of them are not as qualified as Nigerians. You may also be away that certain products have failed woefully in Nigeria at implementation stage. There are lots of factors that come to play but some of those factors are not tangible so if it pleases the banks to continue to market themselves better by having to buy things overseas just for egoistic reasons, so be it.  Bear in mind that the solutions from Neptune Software have been well accepted in over 50 banks in many African countries and other parts of the world. Does that rind a bell to you? As a sales director for the company in Africa some years ago, I have seen banks in many countries subject solutions to a rigorous but objective software evaluation and selection process. I witnessed one such exercise in Paris where use cases and test cases were used to test the suitability, reliability and stability of solutions and we came first in over 80% of the cases. We dominate the market in Eastern Africa and Southern Africa with over 50 percent of the market share in the banking sector. We were once tagged the fastest growing IT company in Africa some two years ago.

Branches in East Africa
It is not just enough to talk about our branches but also the varying nature and spread of banks that are currently supported by our solution. We have supplied and supported varying types of financial institutions. To cite some examples, the two biggest mortgage banks in East Africa namely the East Africa Building Society which has just been bought over by Eco Bank and Housing Finance Bank of Kenya depend on our solutions. The biggest Agriculture Finance Corporation in East Africa, AFC depends on our solution. In Tanzania for example, the biggest microfinance bank which is also the biggest bank in that country and which doubles as a commercial bank and microfinance bank with over 120 branches, over three million accounts, over 3,000 operators is supported by our solution and they are very happy. The biggest bank in Zimbabwe called People’s Own Savings Bank which is the bank for the masses with over four million customers, over 160 outlets also depends on our solution. So you would ask why Neptune is not dominating the Nigeria market even when there is huge local presence which equals formidable local support.

New Banking System
Neptune’s new banking system called Rubicon is about the only banking system that is 100 percent built on J2EE technology, Service Oriented Architecture, Rules engine and  work flow processes. No other banking software can boast of that today and as we talk about this, we are about the only software provider in Nigeria with no failed implementation.

Govt’s  Directive on Locally Made Software
Firstly, I want to thank the federal government for taking that initiative, that was a strategic move but the implementation need to be monitored for compliance. When the federal government came up with that initiative some years ago, I think legally they had no power to investigate who has bought what and could not compel organizations to comply. Another dilemma is situations where sellers of these solutions are Nigerian organizations and even when government agencies or private companies may not pay directly to supplier companies overseas, the local agents can receive the money and independently wire the same overseas. So there is a whole lot of monitoring for compliance by the federal government to ensure that this directive thrives. It may not be easy for the federal government to achieve this because there is no legal framework to compel organizations. They just have to keep preaching that message and they have to find a way to enforce that directive. 

At Neptune, we have a very strong project execution track record and we have so far been successful in 100% of our projects. Our solutions, including banking, payment, human capital management, personnel and payroll management are world class solutions running in many countries. Nigerians are not yet ready to invest in locally made products and that would make you to think of when Nigerian would manufacture their first car. Several countries today have their locally made cars, e.g. Korea, China, etc. We are almost running out of the benefits that came with the oil boom, so what’s the next step? We have to start looking at areas where we can leverage our skills because Nigerians are highly skilled set of people. 

Forex Demand
The Central Bank of Nigeria took a very good decision to encourage banks and other organizations to purchase software from local companies. The CBN should borrow a leaf from the mistake by the federal government’s failure to develop a framework that would compel organizations and government agencies to purchase solutions locally. Such a directive has been given in the past; the question to ask is why the directive did not see the light of the day. It is more like wishful thinking, policies and guidelines has to be put in place towards selecting software. Local vendors should be given a chance when software evaluation decisions are made. Even though we are only a subsidiary of an international company, we have structures that enable us to play in this market as local players. It was a value dilemma that we have been able to reconcile, that playing internationally, yet having a very formidable local presence. I also believe that the Standard Organization of Nigeria (SON) should be empowered to monitor local companies and ensure compliance to certain standards set by SON. There are lots of advice that can be given as to how best local software can be promoted but I choose to stop here for now.

 


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Our 2023 Ads Safety Report

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By Duncan Lennox, VP & GM of Ads Privacy and Safety

Billions of people around the world rely on Google products to provide relevant and trustworthy information, including ads. That’s why we have thousands of people working around the clock to safeguard the digital advertising ecosystem. Today, we are releasing our annual Ads Safety Report to share the progress we’ve made in enforcing our advertiser and publisher policies and to hold ourselves accountable in our work of maintaining a healthy ad-supported internet.

The key trend in 2023 was the impact of generative AI. This new technology introduced significant and exciting changes to the digital advertising industry, from performance optimization to image editing. Of course, generative AI also presents new challenges. We take these challenges seriously and will outline the work we are doing to address them head-on.

Just as importantly, generative AI presents a unique opportunity to improve our enforcement efforts significantly. Our teams are embracing this transformative technology, specifically Large Language Models (LLMs), so that we can better keep people safe online.

Gen AI Bolsters Enforcement 

Our safety teams have long used AI-driven machine learning systems to enforce our policies at scale. It’s how, for years, we’ve been able to detect and block billions of bad ads before a person ever sees them. But, while still highly sophisticated, these machine learning models have historically needed to be trained extensively – they often rely on hundreds of thousands, if not millions of examples of violative content.

LLMs, on the other hand, are able to rapidly review and interpret content at a high volume, while also capturing important nuances within that content. These advanced reasoning capabilities have already resulted in larger-scale and more precise enforcement decisions on some of our more complex policies. Take, for example, our policy against Unreliable Financial Claims which includes ads promoting get-rich-quick schemes. The bad actors behind these types of ads have grown more sophisticated. They  adjust their tactics and tailor ads around new financial services or products, such as investment advice or digital currencies, to scam users.

To be sure, traditional machine learning models are trained to detect these policy violations. Yet, the fast-paced and ever-changing nature of financial trends make it, at times, harder to differentiate between legitimate and fake services and quickly scale our automated enforcement systems to combat scams. LLMs are more capable of quickly recognizing new trends in financial services, identifying the patterns of bad actors who are abusing those trends and distinguishing a legitimate business from a get-rich-quick scam. This has helped our teams become even more nimble in confronting emerging threats of all kinds.

We’ve only just begun to leverage the power of LLMs for ads safety. Gemini, launched publicly last year, is Google’s most capable AI modeI. We’re excited to have started bringing its sophisticated reasoning capabilities into our ads safety and enforcement efforts.

Our Work to Prevent Fraud and Scams

In 2023, scams and fraud across all online platforms were on the rise. Bad actors are constantly evolving their tactics to manipulate digital advertising in order to scam people and legitimate businesses alike. To counter these ever-shifting threats, we quickly updated policies, deployed rapid-response enforcement teams and sharpened our detection techniques.

  • In November, we launched our Limited Ads Serving policy, which is designed to protect users by limiting the reach of advertisers with whom we are less familiar. Under this policy, we’ve implemented a “get-to-know-you” period for advertisers who don’t yet have an established track record of good behavior, during which impressions for their ads might be limited in certain circumstances–for example, when there is an unclear relationship between the advertiser and a brand they are referencing. Ultimately, Limited Ads Serving, which is still in its early stages, will help ensure well-intentioned advertisers are able to build up trust with users, while limiting the reach of bad actors and reducing the risk of scams and misleading ads.

  • A critical part of protecting people from online harm hinges on our ability to respond to new abuse trends quickly. Toward the end of 2023 and into 2024, we faced a targeted campaign of ads featuring the likeness of public figures to scam users, often through the use of deepfakes. When we detected this threat, we created a dedicated team to respond immediately. We pinpointed patterns in the bad actors’ behavior, trained our automated enforcement models to detect similar ads and began removing them at scale. We also updated our misrepresentation policy to better enable us to rapidly suspend the accounts of bad actors.

Overall, we blocked or removed 206.5 million advertisements for violating our misrepresentation policy, which includes many scam tactics and 273.4 million advertisements for violating our financial services policy. We also blocked or removed over 1 billion advertisements for violating our policy against abusing the ad network, which includes promoting malware.

The fight against scam ads is an ongoing effort, as we see bad actors operating with more sophistication, at a greater scale, using new tactics such as deepfakes to deceive people. We’ll continue to dedicate extensive resources, making significant investments in detection technology and partnering with organizations like the Global Anti-Scam Alliance and Stop Scams UK to facilitate information sharing and protect consumers worldwide.

Investing in Election Integrity

Political ads are an important part of democratic elections. Candidates and parties use ads to raise awareness, share information and engage potential voters. In a year with several major elections around the world, we want to make sure voters continue to trust the election ads they may see on our platforms. That’s why we have long-standing identity verification and transparency requirements for election advertisers, as well as restrictions on how these advertisers can target their election ads. All election ads must also include a “paid for by” disclosure and are compiled in our publicly available transparency report. In 2023, we verified more than 5,000 new election advertisers and removed more than 7.3M election ads that came from advertisers who did not complete verification.

Last year, we were the first tech company to launch a new disclosure requirement for election ads containing synthetic content. As more advertisers leverage the power and opportunity of AI, we want to make sure we continue to provide people with the greater transparency and the information they need to make informed decisions.

Additionally, we’ve continued to enforce our policies against ads that promote demonstrably false election claims that could undermine trust or participation in democratic processes.

Overall 2023 Numbers

Our goal is to catch bad ads and suspend fraudulent accounts before they make it onto our platforms or remove them immediately once detected. AI is improving our enforcement on all these fronts. In 2023, we blocked or removed over 5.5 billion ads, slightly up from the prior year, and 12.7 million advertiser accounts, nearly double from the previous year. Similarly, we work to protect advertisers and people by removing our ads from publisher pages and sites that violate our policies, such as sexually explicit content or dangerous products. In 2023, we blocked or restricted ads from serving on more than 2.1 billion publisher pages, up slightly from 2022. We are also getting better at tackling pervasive or egregious violations. We took broader site-level enforcement action on more than 395,000 publisher sites, up markedly from 2022.

To put the impact of AI on this work into perspective: last year more than 90% of our publisher page level enforcement started with the use of machine learning models, including our latest LLMs. Of course, any advertiser or publisher can still appeal an enforcement action if they think we got it wrong. Our teams will review it and, in the cases where we find errors, use it to improve our systems.

Staying Nimble and Looking Ahead

When it comes to ads safety, a lot can change over the course of a year: the introduction of new technology such as generative AI to novel abuse trends and global conflicts. And the digital advertising space has to be nimble and ready to react. That’s why we are continuously developing new policies, strengthening our enforcement systems, deepening cross-industry collaboration and offering more control to people, publishers and advertisers.

In 2023, for example, we launched the Ads Transparency Center, a searchable hub of all ads from verified advertisers, which helps people quickly and easily learn more about the ads they see on Search, YouTube and Display. We also updated our suitability controls to make it simpler and quicker for advertisers to exclude topics that they wish to avoid across YouTube and Display inventory. Overall, we made 31 updates to our Ads and Publisher policies.

Though we don’t yet know what the rest of 2024 has in store for us, we are confident that our investments in policy, detection and enforcement will prepare us for any challenges ahead.


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InDrive Upgrades App, Announces New Safety Details

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InDrive, an e-hailing firm, announced app upgrades as well as new safety details for riders and drivers.

InDrive’s updated Safety Centre now allows its support team to contact a user’s trusted contacts in emergencies and the number of trusted contacts has been increased from one to five. InDrive says that it is also easier for its support team to share information with emergency services, among other things.

Also, the company said by clicking on the app’s SOS-button, users can see all the information needed when requesting help or reporting an incident – along with a button to call police or ambulance services.

InDrive’s app design has also been updated to improve user experience, making the Safety Centre more visible, it said.

Further, the company said: “inDrive is also testing photo sharing and automatic translation of chat messages, which have been added to the in-app chat function. These make it easier for the driver and rider to clarify the pickup point, and communicate in the same language while traveling.

“Passengers and drivers stay within the application when using these features, so there’s no need to use across other platforms, thereby protecting personal information. For now the feature is currently being tested by a limited number of users to improve its functionality before it is rolled out to everyone.”

The announcement today comes after the company recently revealed it had expanded its financing arrangement with General Catalyst to $146 million, allowing the company to engage in product upgrades, extend its service offerings, and enter new markets in Africa.


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NIN-SIM Linkage: Telcos to Bar More Phones Lines from March 29

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Telecommunications operators in the country are gearing up for another round of disconnections of phone lines for subscribers who have failed to link their National Identification Numbers (NIN) with their SIM cards.

NIN-SIM Linkage: Telcos to Bar More Phones Lines from March 29

The disconnection which will happen Friday, March 29, following a directive from the Nigerian Communications Commission (NCC) requiring all registered SIMs lacking proper NIN linkage to be either corrected or completely disconnected from networks.

The ongoing process, which commenced on February 28, 2024, is part of the government’s efforts to curb criminal activities like banditry and kidnapping, contributing to enhancing national security.

There are indications of a potential third phase in April 2024.

Operators have reportedly cooperated with the NCC in executing the directive, affirming their commitment to national security objectives and assuring full compliance by the specified deadlines.

The second phase will target subscribers with five or more SIMs from a single operator lacking verified NIN-SIM linkages.

The third phase, set to commence on April 15, will focus on subscribers with four SIMs or fewer and unverified NINs.

While telecom companies seek a review and extension of the April deadline for the third phase, indications from the NCC suggest a steadfast adherence to the established timelines.

The first phase saw the barring of 40 million lines, comprising around 17 million active SIMs without NIN submissions and 23 million inactive SIMs lacking NINs over the past year.

 

 

 

 


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