E-Business
Many Africans Still Believe Cybercrime ‘won’t Affect them’ – Report
The digital landscape is overflowing with an ever-evolving array of solutions and services created to make lives easier, offices smoother and engagements richer.
Smartphones, applications, social media, artificial intelligence (AI) platforms and multiple other tools have all become part and parcel of daily life on the African continent, transforming how people connect, collaborate and engage.
Unfortunately, they have also opened up cyber windows that let in the attacks and the threats that compromise organisations and individuals.
For Anna Collard, SVP Content Strategy & Evangelist at KnowBe4 Africa, it has become critical for organisations to invest in training and awareness programmes that help them to identify criminal tactics and mitigate risk.
“We undertook a poll to assess cybersecurity awareness in Africa and discovered that some of the key issues facing organisations right now were awareness and understanding,” she explains. “Many people still feel safe online and believe that cybercrime will not affect them personally. Others expect their work to take care of their cyber safety or do not know how to mitigate the threats themselves.”
The KnowBe4 Cybersecurity in Africa survey polled 800 employees across multiple sectors in Mauritius, Botswana, Egypt and Ghana to assess their cybersecurity awareness.
The survey focused on their levels of connectivity, the digital devices and platforms used, their perceptions of cybersecurity, the ways in which they work and their understanding of the threats.
Of those surveyed, 97% use a smart phone, 74% use a laptop, 47% have a smart TV, 31% use a tablet, 17% have a gaming console, 8% use a feature phone and less than 1% had none of these devices.
When asked what applications they use for work, the most prevalent was WhatsApp (89%), followed by email (80%), Facebook (59%), Telegram (46%), Instagram (45%), Twitter (42%), Zoom (42%), LinkedIn (36%), Microsoft Teams (18%), Snapchat (18%), Slack (5%), WeChat (4%), Signal (4%) or other tools (1%).
On the personal front, the picture remains largely unchanged with Facebook ranking second (78%), followed by Instagram (57%), email (46%), Telegram (40%), Twitter (39%), Snapchat (25%), LinkedIn (14%), Zoom (11%), Signal (3%), Microsoft Teams (2%) and other tools (1%).
“WhatsApp is the most used app across both personal (98%) and business use cases,” says Collard. “While email remains the most popular form of business communication on the continent, it is still immensely popular for personal use. Both platforms are high-risk for cyber threats such as phishing, ransomware and fraud, so these should be a priority for organisations looking to drive awareness and training.”
Connectivity is of course a key concern, as it often introduces vulnerabilities into both professional and personal networks and devices. The survey found that 71% access the internet through their mobile networks, overlapping with the 71% who access the internet through home Wi-Fi, and 36% who go online through work/office networks, while 12% access the internet at internet cafes, and 15% use free Wi-Fi at public places.
“The question is – do people understand the risks associated with accessing the internet in public places and are they putting the right security protocols in place?” asks Collard. “Often, people do not even know that they can be hacked while they access free Wi-Fi, or that they can have critical information, like passwords, stolen while they are online.”
This concern is reflected in the research around cybercrime awareness. On a scale of one to five, most said that they were concerned with cybercrime, with 29% saying they were ‘very concerned’ and 38% saying they were ‘concerned’.
However, 19% said that they were ‘somewhat concerned’ but that they did not understand the threats or how to mitigate them while 7% said that they did not believe it affected them personally because their work took care of it and 7% felt safe and ‘not at all concerned’.
“The problem is – everyone should be concerned about cybercrime,” says Collard. “All it takes is for one person to introduce a virus to a system or open up a doorway or lose their passwords, and the entire organisation is put at risk. Training has never been more important, especially when there is a clear trend around people feeling like they do not know enough about cybercrime to protect themselves or feel like they do not understand what they need to do to stay informed about the risks.”
This is reflected in the biggest concerns raised by those who were worried about cybercrime, with respondents citing online fraud (51%), identity theft (24%), children and family (14%), lack of understanding (10%) and other concerns (1%) as their primary worries. While over half said that they had received cybersecurity training from their employers, only 21% agreed that the training was adequate, while 10% felt it was not adequate at all.
And it is worth noting that many people still were not entirely sure what their roles and responsibilities were around information security (11%) and 45% said that they ‘somewhat agree’ that they could recognise a security incident. Only 34% of people said they felt ‘very confident’ that they could recognise a security incident if they saw one.
Most respondents are hesitant to give away personal information, with 29% saying they tended not to share personal details such as their identity number, and 51% saying they would share this information only if there was a real need to do so, and they understood what it was being used for. 13% part with personal information if they cannot avoid it.
Worryingly, 7% are comfortable sharing personal information, with 4% saying they are likely to do so if they can get something in return – such as a discount, and 3% saying they share personal information all the time.
“Then, we look at issues like cyber hygiene and discover that only 43% of respondents could identify what ransomware was, and only 61% could identify a strong password,” says Collard. “A worrying 20% selected P@$$word!, 25% selected thisismysuperwonkyapp#1, 16% chose Summer#123 and 3% chose Grandma1959. 6% said none of these were strong passwords. Only the 62% who chose DSM@8043&! were correct.”
Digging deeper into how well people understand security, the survey asked people to define two-factor authentication, and 60% said it was ‘using my password plus something I own, such as a One Time Password generator’.
However, 20% said it was ‘Entering my password twice for extra security’, 8% said it was Captcha generators, 9% said it was using two different passwords and 4% said it was using a password manager.
Only 17% say none of the common cybercrime tactics have affected them. More than half (51%) said they had previously had a virus infection on their computer, 32% had lost money due to a scam or con artist, 26% had clicked on a phishing mail, 21% had been scammed from a phone call and 17% had forwarded a scam or hoax email.
When checking to determine whether an email is legitimate, 55% said they only trusted emails from people they knew, 54% do not click on links or open attachments they were not expecting, and 27% check for bad grammar or spelling as a sign the mail is not legitimate. 31% Google the sender or topic to see if it is a scam, 23% hover over links to see their origin, and 11% do all the listed checks.
Add to this the risks of working from home – 32% said they had moved to work from home and among the 20% who were affected by cybercrime while working from home, a multitude of scams and cybercrimes occurred. These scams ranged from being tricked in crypto investment schemes and identity theft, through to accidentally downloading viruses and being hacked.
“The entire landscape is a challenge and the only way to thrive within this complexity is to arm your people with the tools and understanding they need to protect themselves,” concludes Collard.
“Training is the only way to ensure that all the protections and security investments made by the business are fully realised by those who use them. If people understand the threats, their role in mitigating the threats, and what to do to protect against them, they are empowered and more able to overcome the challenging landscape that lies ahead.”
E-Business
Zequence Digital Boss Calls for Strong IP Laws Enforcement, to Protect Nigeria’s Software Sector
Mr Adeoye Oludamilola, managing director, Zequence Digital, a digital agency, has said strong enforcement of Intellectual Property (IP) laws , protection of Nigeria’s software industry against piracy will encourage innovation and investment.
Adeoye told reporters lately in Lagos that software piracy and the unauthorised use of proprietary technology are widespread in the country.
According to report Intellectual Property (IP) laws in software refers to the legal rights that protect the creations of the mind used in software development.
These rights, which include copyrights, patents, trade secrets, and trademarks, grant developers exclusive control over their software and related assets, preventing unauthorised use or reproduction.
Adeoye said that many startups do not protect their innovations, due to a lack of knowledge and the cumbersome legal processes involved.
“IP registration and litigation are expensive and time-consuming, which further discourages developers from protecting their work,” Adeoye said.
He added that the lack of awareness among developers about their IP rights contributed to the problem.
To address these challenges, Adeoye stressed the need for the formation of an IP Protection Consortium, comprising tech firms, legal experts, and regulators, to advocate for stronger IP enforcement.
He also suggested collaborating with legal tech startups to create simplified platforms for fast-tracked IP registration.
The managing director further called for joint initiatives between legal bodies and tech communities to launch IP rights education campaigns.
This, he said, would equip developers with the knowledge they needed to protect their innovations and grow their businesses.
Adeoye emphasised the need for the government and stakeholders to create an ecosystem for development and inclusivity by proactively engaging with regulators.
According to him, this will help ensure that policies are created with the input of concerned agencies and industry experts.
PalmPay, a leading fintech platform and full-stack digital neobank for emerging markets, has partnered with Nigeria’s biggest Health Insurance Company, AXA Mansard Health a member of the globally trusted AXA Group, to provide millions of Nigerians with affordable, accessible digital health insurance.
This strategic partnership enables PalmPay users to seamlessly access a range of health insurance packages from AXA Mansard directly within the PalmPay app. With plans starting as low as N500 per month, users can now choose from flexible insurance options tailored to fit their everyday needs.
The plans are designed to meet a wide range of needs; for example, the AXA Digital Health plan offers access to telemedicine consultations with doctors, N5,000 worth of medications, and up to N40,000 in surgical coverage. Users can also opt for the AXA Mansard MicroHealth plan at N1,000 per month, which provides unlimited diagnostic tests and funeral benefits. Additionally, the AXA Mansard Accident plan, available for N500 monthly, offers comprehensive death cover for both accidental and non-accidental cases.
Speaking on the partnership, Habib Kowontan, Head of Wealth Product at PalmPay, said: “Insurance is a key pillar of financial security, yet millions of Nigerians remain underserved. Our partnership with AXA Mansard Health breaks down long-standing barriers by placing reliable and affordable insurance solutions right at our users’ fingertips.”
In her remarks, Jumoke Odunlami, Chief Distribution Officer, AXA Mansard Insurance said that the partnership with Palmpay presents the AXA with another opportunity to improve health and productivity of Nigerians. “Through partnerships like this, we are covering over 1.8 million Nigerians and ensuring that healthcare is accessible, available and affordable.
“So we are excited about joining forces with a brand like Palmpay to compliment the range of financial possibilities they offer their customers with health plans. It fits well with our mission and our purpose of acting for human progress by protecting what matters, and we are looking forward to doing even more with Palmpay”, she explained.
This partnership reflects PalmPay’s broader mission to create a more inclusive digital financial ecosystem, one that empowers users to not only manage their money efficiently, but also secure their future.
This partnership reflects PalmPay’s broader mission to create a more inclusive digital financial ecosystem, one that empowers users to not only manage their money efficiently, but also secure their future.
By Diana Tenebe, Chief Operating Officer, Foodstuff Store
Nigeria’s agricultural sector, a cornerstone of its economy, faces a critical crossroads. While employing a staggering 40% of the population and holding over 84 million hectares of arable land, the industry is hobbled by deep-seated challenges. Low productivity, a fragmented supply chain, poor infrastructure, and a lack of access to financial services are just a few of the hurdles that prevent the sector from reaching its full potential. Coupled with the unpredictable and severe shocks of climate change—from prolonged droughts to devastating floods—these issues threaten the food security of a rapidly growing population.
Diana Tenebe
To truly transform this vital sector, a new approach is needed, one that moves beyond traditional methods and embraces the power of technology. Artificial Intelligence (AI) is not just a futuristic buzzword; it is the imperative for Nigeria’s agricultural revolution. AI holds the key to unlocking higher yields, building resilience, and fostering an inclusive and sustainable food system that can feed a nation and drive economic growth.
The most immediate impact of AI is in the area of precision farming. By integrating AI with technologies like Internet of Things (IoT) sensors, drones, and satellite imagery, farmers can gain an unprecedented understanding of their land. AI-powered systems can analyse real-time data on soil moisture, nutrient levels, and plant health, providing actionable insights for targeted interventions. For instance, smart irrigation systems can optimize water usage, a critical resource in a country facing increasing water scarcity. AI-enabled drones can survey vast farmlands in minutes, identifying early signs of pests or disease and allowing for precise application of pesticides, reducing chemical use and cost. Early trials of these technologies in Nigeria have already demonstrated significant gains, with some reports showing a remarkable 60-70% increase in crop yields.
Climate adaptation is another area where AI’s role is indispensable. Nigeria’s farmers are on the front lines of climate change, enduring erratic rainfall and extreme weather events. AI can provide a shield against this volatility. By analyzing historical weather data and real-time forecasts, AI models can offer accurate, localized predictions. This allows farmers to proactively adjust their planting schedules, select climate-resilient crop varieties, and plan for potential risks, effectively mitigating the devastating impact of droughts and floods.
The economic benefits extend far beyond the farm gate. A significant portion of Nigeria’s agricultural produce is lost due to an inefficient and fragmented supply chain. AI can streamline logistics, optimize transportation routes, and enhance inventory management. By reducing spoilage and waste, AI ensures that more of what is harvested reaches the market, thereby boosting the incomes of farmers and providing a more stable supply of food for consumers. The success of Nigerian agritech companies like Crop2Cash, which has reportedly helped over 500,000 farmers increase their income by up to 70%, demonstrates the tangible economic impact of these technologies.
AI is a powerful tool for promoting financial inclusion and education. Millions of smallholder farmers, who form the backbone of Nigerian agriculture, are often excluded from formal financial systems due to a lack of collateral and credit history. AI-driven fintech solutions can bridge this gap by assessing creditworthiness using alternative data, making it easier for farmers to access the loans and insurance they need to scale their operations. AI-powered mobile apps and chatbots can also serve as virtual extension agents, providing personalized advice on best farming practices, pest control, and crop management, democratizing knowledge and empowering farmers to make better decisions.
Despite this immense potential, the journey towards widespread AI adoption is not without its hurdles. High upfront costs for AI-enabled equipment, a general lack of understanding and experience with these tools, and a preference for traditional methods are all significant barriers. Furthermore, infrastructural gaps, including poor roads and inadequate storage facilities, hinder the seamless implementation of these technologies. Data availability and computational capacity are also key challenges that need to be addressed.
However, the Nigerian government and a burgeoning ecosystem of agritech startups are already paving the way forward. The government’s vision is articulated in initiatives like the National AI Strategy, which aims to establish AI research centers and support R&D. Programs such as the Nigeria Artificial Intelligence Research Scheme (NAIRS) and the NITDA AI Developers Group are building the necessary skills among entrepreneurs and farmers. Strategic partnerships between government bodies, financial institutions, and innovative startups are creating localized solutions that are tailored to the unique conditions of Nigerian agriculture.
Ultimately, AI is not a luxury but an imperative for Nigeria to unlock its agricultural potential. Its successful integration will transform the role of the farmer from a manual laborer to a strategic planner and overseer of a smart, efficient, and sustainable food system.
By investing in infrastructure, fostering strategic partnerships, and prioritizing education and capacity building, Nigeria can harness the power of AI to feed its people, drive economic prosperity, and secure its place as a leader in the African agricultural revolution.
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