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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

Temu Joins INTA to Combat Counterfeits and Elevate IP Standards Worldwide

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Temu, the global online marketplace, has joined the International Trademark Association (INTA) as a corporate member and serves on its Anti-Counterfeiting Committee.

INTA is a global association that brings together more than 6,700 organizations, representing over 37,000 trademark professionals and brand owners across 181 countries. By joining INTA, Temu deepens its commitment to building a trusted online marketplace and advancing global IP protection through broader, cross-industry collaboration.

“INTA welcomes TEMU’s willingness to engage in anticounterfeiting initiatives, including in the Association’s annual Anticounterfeiting Workshop and Online Takedown Certificate Program which serve to share best practices and connect stakeholders,” said Alastair Gray, Director of Anti-Counterfeiting, INTA. “Constructive collaboration with these efforts can contribute to the protection of intellectual property rights for INTA members and support the removal of counterfeit products from the platform which ultimately protects consumers.”

At the 2025 INTA Annual Meeting held in San Diego in May, Temu participated in the Anti-Counterfeiting Committee Roundtable, serving as a moderator to facilitate discussions among brand owners, online platforms, and government officials on emerging technologies, best practices for collaboration, and strategies to strengthen global anti-counterfeiting efforts.

“Joining INTA and serving on its Anti-Counterfeiting Committee reflects Temu’s ongoing commitment to ensuring a trustworthy online shopping experience,” said a Temu spokesperson. “We value collaboration with industry peers and stakeholders and are dedicated to advancing collective efforts in intellectual property protection.”

Temu also participates in INTA-led online workshops, including the Online Platform Notice and Takedown Certification Program, which outlines the latest procedures and best practices used by e-commerce platforms and social media companies. These workshops aim to enhance the quality and accuracy of rights-holder notices, promoting more effective takedown processes and content moderation.

Since launching in 2022, Temu has made significant investments in IP enforcement. Its measures include comprehensive seller vetting and compliance training, 24/7 algorithmic monitoring with manual review, a dedicated IP protection portal and brand registry to streamline takedown submissions, and an internal enforcement team that handles claims with speed and accuracy.


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Huawei Unveils AI Computing System to Challenge Nvidia’s Flagship Product

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China’s Huawei Technologies unveiled an AI computing system on Saturday that an industry expert said rivals Nvidia’s most advanced product, as the company aims to expand its footprint in the country’s booming AI sector.

Huawei Unveils AI Computing System to Challenge Nvidia’s Flagship Product

The CloudMatrix 384 system made its public debut at the World Artificial Intelligence Conference (WAIC), a three-day event in Shanghai, attracting a large crowd to Huawei’s booth with its showcase of cutting-edge AI innovations.

The system has attracted significant interest from the global AI community since Huawei (HWT.UL) first introduced it in April. Industry analysts see it as a direct challenger to Nvidia’s GB200 NVL72, the most advanced system-level offering currently available from the U.S. chipmaker.

In an April article, Dylan Patel, founder of semiconductor research firm SemiAnalysis, stated that Huawei now possesses AI system capabilities that could surpass those of Nvidia.

Huawei staff at its WAIC booth declined to comment when asked to introduce the CloudMatrix 384 system.

A spokesperson for Huawei did not respond to questions.

Huawei has become widely regarded as China’s most promising domestic supplier of chips essential for AI development, even though the company faces U.S. export restrictions.

Nvidia CEO, Jensen Huang told Bloomberg in May that Huawei had been “moving quite fast” and named the CloudMatrix as an example.

The CloudMatrix 384 system features 384 of Huawei’s latest 910C chips and, according to SemiAnalysis, surpasses Nvidia’s GB200 NVL72 in certain performance metrics, despite the latter using 72 B200 chips.

SemiAnalysis attributes this performance advantage to Huawei’s strong system design, which offsets the lower power of individual chips by leveraging a greater number of them and incorporating system-level innovations.

Huawei describes the system as utilizing a “supernode” architecture that enables ultra-high-speed interconnectivity between chips.

In June, Zhang Pingan, CEO, Huawei Cloud confirmed that the CloudMatrix 384 was already operational on Huawei’s cloud platform.


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Transcorp Hotels Delivers Stellar H1 Results, Declares Over ₦1Bn Dividend

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Transcorp Hotels Plc has delivered a stellar performance in the first half of 2025, recording a 60% year-on-year surge in revenue to ₦47.57 billion, up from ₦29.72 billion in H1 2024. Gross profit climbed 71% to ₦36.21 billion, maintaining a strong 76% margin despite inflation and operational headwinds.

The hospitality giant, a subsidiary of Transnational Corporation Plc, also announced an interim dividend payout of ₦1.024 billion — offering ₦0.10 per 50 kobo ordinary share to shareholders.

In a bold move, the company unveiled Nigeria’s largest corporate venue — the 5,000-seat Transcorp Centre — staking its claim as the new leader in event hospitality. Chairman Emmanuel Nnorom described the results as proof of Transcorp Hotels’ transformative strategies and unwavering investor commitment. MD/CEO Uzo Oshogwe attributed the success to relentless execution and a resilient business model.

Transcorp Hotels, renowned for iconic assets like Transcorp Hilton Abuja and its digital platform Aura, says it isn’t just leading Nigeria’s hospitality sector — it’s redefining excellence across Africa.


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