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Mastercard, Thales and Providus Bank Launch a Tokenization and Digitization Initiative in Nigeria

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Mastercard, Thales and Providus Bank have partnered to bring the Mastercard Digital Enablement Service (MDES) tokenization and digitization initiative to the Nigeria market.

They are extending the “contactless” payment solution alongside the growth of a low-touch environment, especially as more and more people are seeking safer and more secure ways to transact.

The solution allows Mastercard and Providus Bank cardholders to make use of tokenized transactions online, as well as contactless tap-to-pay transactions via their mobile devices and wearables.

MDES offers consumers, merchants, and financial institutions the much-needed capability for making a payment without touching a physical device at the point of sale.

Thales’ TSH solution is powering up the connection to the Mastercard MDES platform in order to launch on the Providus Mobile application and eMerchants. On behalf of Providus, Thales TSH is managing the flow and internal logic put in place to digitize the card, manage its lifecycle and then use it to make payments.

“Changes during the pandemic have resulted in a consumer behavior shift that have also caused reduced interaction with cash.

“As a technology and digital innovator our responsibility as Mastercard is to bring cost-effective, efficient and reliable solutions that can benefit all stakeholders in the economy. Our MDES tokenization and digitization solution delivers exactly that.

“The innovation behind the MDES tokenization and digitization solution seeks to contribute to a cashless society that works for everyone.

“Our goal is to also provide consumers, merchants and our financial partners with solutions that are effective and relevant in the current environment,” said Ebehijie Momoh, country manager & Area Business Head, West Africa.

Benefits to the consumer
When it comes to payments, convenience is key and the MDES tokenization and digitization solution ensures that consumer cards (whether plastic or virtual) are always accessible to them for payments via their mobile or wearable device, for both card-present and card-not-present e-commerce payments.

MDES tokenization generates a unique 16-digit token that can be used for completing an e-commerce transaction when the card is not present, instead of using their actual 16-digit card. The consumer’s actual 16-digit card number is protected from being exposed online during the transaction.

MDES enables a connected device such as a smartphone to act as a safe and secure payment method just like a physical card. Once the card credentials are provisioned to a mobile device, a cardholder is able to make purchases in three ways: by tapping at a contactless-enabled terminal, buying in-app and with e-commerce merchants.

This makes it possible for people to pay with any payment card, anywhere, on any device – through a simple click, tap or touch method, making everyday payments hassle-free, driving safety, simplicity and convenience.

Furthermore, the MDES tokenization and digitization will enable Nigerian cardholders to make use of their cards when traveling within and outside the country.

“Technology has evolved greatly in Sub-Saharan Africa in the last decade with the mobile phone technology playing a significant role in that space.

“As a Bank, our collaboration with Mastercard to provide additional value through the mobile device is a strategy to leverage existing infrastructure, while delivering simplified payment through the MDES (tokenization and digitization) offerings,” said Adeoye Ojuroye, chief financial officer and head of Strategy, Providus Bank.


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Ugo Onwuaso is an ICT enthusiast. He believes technology should be used for general good. He holds a Master of Public Administration (MPA) degree from the Lagos state University. Dear Reader, Your support matters. But we believe that technology makes life more exciting and helps improve the lives of people around Nigeria and indeed the world. That is why, we have devoted our energy to independent reportage of technology and finance and how they affect lives. Our incisive and analytical view of how technology news affects the daily life help individuals and organizations make up their minds. Quality journalism costs money. Today, we're asking that you support us to do more. Kindly support our effort to deliver technology and finance journalism to everyone in the world. Donate as little as N1,000. Bank transfers can be made to: UBA Plc 1017156876 Communication Week Media Ltd

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Mandatory Biometric Verification for Starlink Users in Nigeria Begins

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Users of satellite internet service provider Starlink in Nigeria are being required to complete a biometric Know Your Customer (KYC) process as a precondition to continue enjoying their services, according to .biometricupdate.

Mandatory Biometric Verification for Starlink Users in Nigeria Begins

According to local reports, more than 66,000 Starlink subscribers in the country had a December 31 ultimatum from the Nigerian Communications Commission (NCC) to complete the biometric verification or have their connection discontinued.

The process essentially entails linking a Starlkink account with the subscriber’s national digital ID.

The NCC, which is Nigeria’s telecoms industry regulator, is said to have first issued the directive in August last year, setting a three-month deadline which was to elapse on November 19, TechCabal reports.

The body however later extended it to December 31 after consultations with industry stakeholders. The internet account-NIN linkage, the NCC said, is to enhance identity verification and strengthen security within the country’s telecoms space.

Just a few days to the December 31 deadline, Starlink’s Nigeria office sent an email to its subscribers reminding them of the KYC requirement, and warned that all those who fail to comply would be disconnected.

And that once disconnected, reconnection would depend on network capacity in the concerned area.

The service provider said in its email that the process takes less than two minutes and users can complete it by logging in to their account via an app.

One user, quoted by TechCabal, said one needs to upload their selfie biometrics, provide their national identification number (NIN) and then give their consent for the account to be linked to their ID information.

Starlink’s internet service is present in about 155 countries with nine million users, as of 2025. Its growth in Nigeria is said to be rapid, making it the second largest internet service provider in the country, according to The Traffic.

Biometric identification for Starlink subscribers could become a continent-wide trend given that some countries have expressed reservations in opening up their internet space to the company over security concerns.

There’ve been fears that jihadists in countries like Mali and Nigeria may have exploited Starlink terminals to coordinate terror operations, and cybersecurity experts have also warned of risks related to weak regulation, digital sovereignty and data breaches.

The requirement for Starlink internet users to have their accounts linked with the NIN is similar to the SIM-NIN linkage policy which the Nigerian government battled to implement for many years, with many deadline extensions.

In October last year, the NCC, which is was at the forefront of the policy implementation, announced that all active SIM cards across all network providers had complied with the directive which was issued in 2020.

The idea, the federal government argued, was to strengthen security and curb criminality such as kidnappings which are aided and abetted by improperly identified mobile phone numbers.


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NITDA DG Charts Bold Path for Innovation-Led Digital Boom in North

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Mr. Kashifu Inuwa, Director General of the National Information Technology Development Agency (NITDA), has urged Northern Nigeria to pivot urgently from traditional commerce to an innovation-driven digital economy for sustainable growth.

NITDA DG Charts Bold Path for Innovation-Led Digital Boom in North

NITDA

Inuwa issued the call at the Future Map Foundation Roundtable 1.0 (North-West Edition) in Kano, attributing the region’s sluggish digital adoption not to talent deficits but to the lack of deliberate, coordinated strategies.​

He stressed deeper collaboration across academia, private sector players, entrepreneurs, and government, positioning the private sector as the primary innovation engine while government supplies robust policies and an enabling ecosystem.

Inuwa advocated for people-focused, locally tailored innovations that tackle regional challenges head-on, enabling global competitiveness by transitioning from mere technology users to creators of homegrown solutions.

The roundtable convened policymakers, tech founders, and ecosystem stakeholders to forge a comprehensive roadmap for North-West digital transformation, yielding firm commitments to bolster regional innovation policies and public-private synergies.

Inuwa’s push dovetails seamlessly with the Federal Government’s Renewed Hope Agenda, which sets an ambitious target of 95 per cent nationwide digital literacy by 2030, fostering inclusive economic empowerment.

Participants hailed the forum as a pivotal step toward unlocking Northern Nigeria’s tech potential, with NITDA poised to lead implementation through strategic interventions and partnerships.


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Samsung Plans to Double AI Mobile Devices to 800 million Units this Year

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Samsung Electronics plans to double this year the number of its mobile devices with “Galaxy AI” features largely powered by Google’s Gemini, its co-CEO said, which would give the U.S. firm an edge over rivals as the global race in artificial intelligence heats up.

The South Korean company, which had rolled out Gemini-backed AI features to about 400 million mobile products, including smartphones and tablets, by last year, plans to boost that figure to 800 million in 2026.

“We will apply AI to all products, all functions, and all services as quickly as possible,” T M Roh told Reuters in his first interview since becoming Samsung Electronics co-CEO in November.

The plan by the world’s largest backer of Google’s Android mobile platform is set to give a major boost to its developer Google, which is locked in a race with OpenAI and others to attract more consumer users to their AI model.

Samsung seeks to reclaim its lost crown from Apple in the smartphone market and fend off competition from Chinese rivals not only in mobile telephones, but televisions and home appliances, all overseen by Roh.

It will offer integrated AI services across consumer products to widen its lead over Apple in such features, though the latter was set to be the top smartphone maker last year, according to market researcher Counterpoint.

AI Race

Alphabet’s Google launched the latest version of Gemini in November, highlighting Gemini 3’s lead on several popular industry measures of AI model performance.

In response to Gemini 3, OpenAI CEO Sam Altman reportedly issued an internal “code red,” pausing non-core projects and redirecting teams to accelerate development. The ChatGPT maker launched its GPT-5.2 AI model a few weeks later.

Roh expects the adoption of AI to accelerate, as Samsung’s surveys on awareness of its Galaxy AI brand jumped to a level of 80% from about 30% in just one year.

“Even though the AI technology might seem a bit doubtful right now, within six months to a year, these technologies will become more widespread,” he said.


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