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Mobile Messaging is Precursor of Mobile Banking- Van Heerden

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 Deon van Heerden was appointed Clickatell’s South Africa country manager and vice president of sales for the Middle East and Africa last April. Prior to this, he successfully launched the company’s UK sales office and achieved a foothold in the very mature European market in just 18 months
Van Heerden is an accomplished management consultant and successful entrepreneur with 12 years experience in a variety of large-scale strategic business transformation consulting programs, general management and operations.
He spoke to hilary okeke

Various Mobile Banking Technologies

There are quite a few types of technologies around; it depends on certain factors relating to which technology to choose.  For something like SMS, it is still the easiest to deploy; whereby a user send a structured SMS to request for his account balance. But in my definition, that is just informational service and not really mobile banking. Again, it depends on your definition of mobile banking. Then you can move on to other types of technologies like WAP, which is a browser based technology on the phone. Here, you need to access the Internet to get to the website of the bank. It needs to be structured in a certain way. The uptake is relatively low from my personal experience in South Africa because users hardly ever use their phones to access the Internet. So, this is not a very popular solution. Something like Unstructured Supplementary Services Data (USSD) is more popular in South Africa. It is easier to use and is available on 99 per cent of all phones. It has a user friendly interface; it is secure and cost effective as well cheaper than the SMS solution.

Why Mobile Messaging is the Best Technology

Ease of use is a consideration; but there is also the point around availability. In South Africa, we have USSD availability from the networks, but in Nigeria you do not have it yet, and it is going to take a few months before it is available. Therefore, without the USSD option, you have to look at other options. There is the Java application on the phone. Again you need to have access to a SIM card and deploy the application on that SIM card. So, it is a somewhat complex process to deploy those technologies. But with the USSD based system, it works just like that.

Best Security Strategy for Mobile Messaging Platform

It depends on what transactions you want to run through your platform. If you want to do complex transfers on finance or emergencies, you need to have a secure solution. If it is just informational like balance enquiry, you do not need a strict security solution because if somebody intercepts that information, he cannot do anything with it. It is just a set of numbers which would only make sense to the accountholder. But when you start doing finance and moving money in and out of your account, that is when you need to make the solution more secure.

Revenue Share between Service Providers and Network Operators

In South Africa, we also do not get a big share of the revenue from the operators. These are technologies which they have spent millions of dollars to acquire, and I think they can charge for using it. The banking services that we see being deployed in South Africa do not use the premium right or the revenue share model from the operators, and we do not have revenue share issues in servicing the banks. When you start selling games, ring tones and wall papers via SMS and you use premium rights for shortcodes like you have here in Nigeria; that is when revenue share issues come to play. From my experiences in South Africa, revenue share from the operators are low and that is the same across the world.

Revenue Generation Model

There are two models here. Where revenue share sets in is when you have a premium service like the shortcode. So, the user pays some money to send a message to that shortcode. What then happens is that the operator pays the service provider some percentage of that money. That is what service providers have been complaining about. We sell our services to the banks and that is a whole new model for us.

Future Trends in Mobile Messaging

We are going to see various types of businesses deploying mobile messaging solutions. Many services will be automated via SMS as well. On the mobile banking side, you are going to see real mobile technology deployed to deliver services. Mobile messaging is definitely the first step in launching a mobile banking strategy. It is an informational type of service that is delivered via SMS because businesses may need to educate their clients. In access banking services via your mobile phone, you get feedback on transactions via SMS. Then comes the complex transactional one such as the USSD based service. There is definitely a place for SMS in mobile banking and mobile banking strategy. Here, SMS is a complementary service.


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E-Business

Offset Communications Slams N50m Suit against Qore Technologies for Alleged Copyright Infringement

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Offset Communications Advisory Ltd has dragged Qore Technologies Ltd before a Federal High Court in Lagos, demanding the sum of N50 million as damages for the alleged infringement of its copyright.

Offset Communications Slams N50m Suit against Qore Technologies for Alleged Copyright Infringement

Pic credit….https://copyrightalliance.org

Offset, in the suit marked: FHC/L/CS/1994/2025, is claiming that Qore used content from a proposal it submitted in December 2022, without formal engagement, attribution, or a licensing agreement.

“The Defendant’s execution of the content of the proposal submitted to it by the Plaintiff without any formal engagement, attribution or a licensing arrangement… amounts to an infringement of the Plaintiff’s copyright,” Offset stated in its writ of summon.

The suit filed on September 29, 2025, by Jimoh Bamigbola and Omobolaji Idris, on behalf of the plaintiff has Qore as sole defendant.

Plaintiff, a Lagos-based communications firm, in its statement of claim said it a had previously worked with Qore on Public Relations (PR) projects and was later asked to prepare a communications strategy for the company, adding that the said proposal contained ideas on employee engagement, branding, and stakeholder management.

Offset however, alleged that Qore implemented elements of the proposal, including internal communication initiatives and branding concepts, without payment or agreement.

“The Defendant executed and integrated the propositions into its Public Relations and Communication Strategy without any formal engagement… with the Plaintiff,” the statement of claim read.

The plaintiff said it discovered the alleged infringement in April 2025 and subsequently notified the defendant, but efforts to resolve the dispute failed.

It is seeking, among other reliefs, a declaration that the defendant’s actions amount to copyright infringement, N50 million in general damages, N5 million in litigation costs, 29 percent post-judgment interest, and “an order of perpetual injunction, restraining the Defendant… from further infringing on the Plaintiff’s copyright.”

Qore Technologies, however, denied the allegations in its statement of defence, arguing that the plaintiff was only engaged for limited Public Relations support services on a project basis and was paid for those services.

“The Plaintiff merely provided routine and secondary Public Relations support services… for which the Plaintiff was remunerated,” the defendant stated.

Qore further argued that the ideas referenced by the plaintiff are not protected under copyright law.

“The alleged ‘ideas’… consist of generic corporate communication practices widely used by companies… and cannot constitute original copyrightable works under Nigerian law,” it said.

The company also maintained that no binding agreement existed regarding the proposal and that its branding and communication strategies were developed internally and by its consultants.

In addition, Qore challenged the competence of the suit, stating that “the Statement of Claim discloses no reasonable cause of action” and that the court lacks jurisdiction to entertain the matter.

The defendant also filed a counterclaim, seeking N6.35 million as reimbursement for legal fees incurred in defending the suit, as well as N2 million in costs.

At the hearing on March 23, 2026, counsel to the parties identified their processes, and the court adjourned the matter to June 22, 2026, for further proceedings.

The case is expected to test the boundaries of copyright protection in Nigeria’s Communications and Public Relations industry, particularly regarding the ownership of proposals and business ideas.


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NDPC Investigates Remita, Others over Alleged Data Breaches

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Nigeria Data Protection Commission (NDPC) said it is carrying out an investigation into alleged data breaches involving Remita Payment Services Ltd., Sterling Bank and other entities.

NDPC Investigates Remita, Others over Alleged Data Breaches

A statement on Sunday issued by Babatunde Bamigboye, head, Legal, Enforcement & Regulations, NDPC, said in line with the Commission’s procedure, Notice of Investigation was duly served on the 1st of April, 2026.

Bamigboye said relevant parties and individuals have been providing information for the purpose of addressing the incident.

“The aim of the investigation is to ensure that data subjects are protected with appropriate technical and organisational measures.

“The investigation by NDPC covers, among others, the types of personal data involved, the nature and scope of the alleged breach, the risk to data subjects and the mitigation measures carried out where a breach is confirmed,” he explained.

Vincent Olatunji, Commission’s National Commissioner/CEO, has directed that organisations that employ digital payment systems without putting in place appropriate technical and organisational measures as mandated under the Nigeria Data Protection Act, 2023 (NDP Act), will also be examined as part of a wider effort to ensure the integrity of the ecosystem.


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Nigeria Mulls National Cybersecurity Council

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Federal Government has unveiled plans to establish a National Cybersecurity Coordination Council, signaling a shift toward a more unified, intelligence-driven approach to defending the country’s rapidly expanding digital economy.

Conceived as a non-statutory, multi-stakeholder body, the proposed Council will enhance coordination, enable trusted information sharing, and guide government strategy on cybersecurity, risk management, and national response amid increasingly complex cyber threats.

The initiative, championed by Bosun Tijani, minister of communications, innovation and digital economy,  is designed to bring together government institutions, private sector players and technical experts into a single collaborative platform to strengthen the country’s cyber resilience.

Tijani noted that this initiative comes in response to a wave of recent cyber incidents that have disrupted operations across key private institutions and public sector.

In recent times, Nigeria’s financial system has faced mounting cyber pressure, reflecting global trends as cybercrime is projected to cost the world over $10.5 trillion annually, according to Cybersecurity Ventures.

Analysts say these attacks are increasingly coordinated and sophisticated, prompting the government to recognise that fragmented, institution-specific approaches can no longer manage systemic cyber risks effectively.

Under the new framework, the government aims to promote a “collective defence” model, an approach widely adopted in advanced digital economies where threat intelligence is shared in real time across institutions.

The Council is expected to include chief information security officers, cybersecurity associations, the Nigerian Computer Society, global technology providers, researchers, law enforcement agencies and civil society groups, ensuring a broad-based and technically grounded response architecture.

Key priorities will include developing national threat intelligence-sharing systems, harmonised cyber defence protocols, and coordinated incident response, while strengthening capacity to close Nigeria’s cybersecurity talent gap.

 


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