General News
MobileMoney and Future of Insurance in Nigeria

With growing incidences of natural disasters, crop failures, investment uncertainty, growing population and dwindling natural resources, Africans are more than ever before exposed to the effects of global recessions, environmental degradations with negative effects on incomes during active duty and beyond.
Africans that are covered by any form of protection in form of insurance are minimal across the entire population of Africa.
Around Africa, mobile networks, governments, independent organizations, micro finance providers are joining forces to provide low cost insurance to millions of people through the ubiquitous mobile phone.
In Most African countries, insurance penetration is low while mobile phone is available to more than half of the adult population across different segments of the economy.
Why mobile money is powered life insurance gaining momentum and appeal across Africa Mobilemoney powered life insurance is a quite easy to use with minimal form filling, cost effective, convenient, with flexibility and the trust in brand of the Mobile network and insurance partner.
Regulations
As mobile network and nontraditional micro insurance providers and innovators begin to see benefits of providing low value insurance services to currently underserved and uninsured low segments of the society, how will the regulators deal with these innovations and players?
How is the insurance regulator positioned to understand the impact of mobile financial services on the industry? What is the wiliness of the insurance regulator to allow innovations influence new radical thoughts while balancing risk and ensuring certainty in the industry.
What level of cross regulation knowledge sharing is available for the insurance regulators across Africa from the primary mobile financial services regulator of Banking services and telecommunications?
Providing low value transaction systems and applications is a technology play for Mobile network operators but the major drawback for them is that they are not primarily providers of insurance services, with limited understanding of the processes of managing premium and investments.
While the traditional insurance providers are hampered with limited understanding and management of technologies and applications necessary for mass market products like micro insurance.
Developing the right partnerships and credibility are the foundation for building a successful mobilemoney based micro insurance product.
Mobile money micro insurance services adequately addresses the shortcomings of traditional channel of deploying insurance services since potential customers can be directly engaged and educated via the mobile phone, instant provisioning of services, payment systems that is efficient and available anywhere and anytime, cost effective methods of premium collections and reduced policy enrollment cost per cover.
South Africa
Over the counter availability like the Old Mutual’s offer though the shoprite stores is one of such initiatives that is bridging the gap between the mass market and the insurance cover.
KENYA – MICRO ENSURE, YuMobile
There is an on- going effort in Kenya where a “private-private-NGO” partnership between Safaricom (the parent company of Kenya’s mobile money transfer service M-Pesa), an insurance company, fertilizer and seed companies and an agricultural foundation has produced an innovative micro-insurance scheme in Kenya.
The crop insurance scheme, called “Kilimo Salama” (safe farming in Kiswahili), collects insurance premiums using M-Pesa when farmers purchase seeds and fertilizers, and in the event of adverse weather, makes payouts directly into the M-Pesa mobile phone accounts of the farmers which then visits any local agent to cash out the amount without visiting a Bank branch.
Last week in Kenya, a micro insurance product called Yucover, launched by yuMobile and underwritten by Jubilee Insurance and powered by MicroEnsure in a country with current insurance penetration rate that stands at 3.02 per cent and projected to double the cover likely within one year of deployment of this innovative product.
Ghana
International insurance group Hollard Insurance, independent mobile financial services enabler MFS Africa and microinsurance intermediary MicroEnsure had also launched the West Africa’s first mobile money insurance service, mi-Life in Ghana.
Mi-Life insurance provides money in the event of death of the subscriber or the next of kin. The Premium payment for insurance is deducted from the Mobile Money wallet once per month.
The subscriber will receive an SMS to inform when the monthly premium is deducted and insurance cover is renewed.
Once the premium is deducted, the insurance cover lasts for one month until the next monthly premium is deducted.
If there are insufficient funds in the wallet, Subscriber will receive an SMS reminder so that he / she can top up wallet and keep life insurance cover active.
Users will also be able to initiate claims, queries and make premium payments using their handsets.
Register and join us on Oct 4th and 5th for Mobile Money Agency risk management and a study tour of Tigo cash and Micro Ensure in Accra – Ghana.
Emmanuel Okoegwale
Principal Asscociate – MobileMoneyAfrica
[email protected]
General News
WhatsApp Faces Regulatory Obstacles in Africa

Mark Zuckerberg’s tech empire is once again under regulatory pressure in Africa after competition authorities across 21 markets launched a formal probe into changes affecting WhatsApp’s AI ecosystem.

The Common Market for Eastern and Southern Africa (COMESA) Competition and Consumer Commission has opened an investigation into Meta Platforms over amendments made in October 2025 to the WhatsApp Business Solution Terms.
At the heart of the probe is whether the updated rules unfairly restrict third-party artificial intelligence providers from accessing the WhatsApp Business API, while preserving full integration for Meta’s own AI tools, including Meta AI.
In a notice issued by the regulator, the commission said it has “reasonable cause to suspect” that Meta may hold a dominant position in the common market and that the changes could “substantially lessen competition” by excluding rival AI service providers from what it described as a crucial digital gateway.
The investigation spans 21 member states, including Kenya, Egypt, Ethiopia, Uganda and Zambia. Stakeholders have been invited to submit feedback before 16 March 2026, with regulators emphasising that the move marks the start of a fact-finding process, not a ruling of wrongdoing.
This is not the first time Meta has faced scrutiny in Kenya and East Africa. Kenyan authorities have previously examined major digital platforms over data protection, misinformation and labour practices. In Nigeria, the data protection regulator fined Meta over privacy violations, underscoring growing African oversight of global tech firms.
Globally, the company is also navigating regulatory headwinds. The European Commission and Italy’s competition authority have reviewed Meta’s AI integrations on WhatsApp amid concerns about potential restrictions on rival chatbot providers. In the United States, Meta has faced antitrust litigation over its broader market dominance.
For Africa’s digital economy, the stakes are high as WhatsApp remains one of the continent’s most widely used platforms for communication, commerce and customer engagement. Across COMESA’s 21 markets, millions of small businesses rely on WhatsApp Business to reach customers, while startups are increasingly building AI-driven services on top of the platform.
If regulators determine that access to WhatsApp’s business interface is being restricted in favour of Meta’s own AI tools, there is genuine concern that it could limit opportunities for African developers and startups seeking to innovate in the fast-evolving AI space.
General News
NITDA, Abia Partner on Enterprise Architecture Reform

In alignment with President Bola Ahmed Tinubu’s priority areas of economic reform, digital innovation, and improved governance, the National Information Technology Development Agency (NITDA) has reiterated its commitment to supporting sub-national governments in building integrated, data-driven systems that enhance service delivery and drive sustainable growth.

This commitment was reinforced at the Future Enterprise & Data Architecture of Abia State workshop themed “One Citizen, One Identity: Unlocking Data-Driven Governance.” The high-level engagement brought together policymakers, technocrats, and development partners to chart a pathway toward a unified digital public sector anchored on interoperability and citizen-centric governance.
The workshop, organised by the state’s Ministry of Budget and Planning and declared open by Governor Alex Otti, who was represented by the Deputy Governor, Engr Ikechukwu Emetu, focused on strengthening interoperability among Ministries, Departments, and Agencies (MDAs) to enhance revenue generation and improve service delivery across the state.
Speaking during a panel session titled “Breaking Silos, Building One Government,” the Director General of NITDA, Kashifu Inuwa CCIE, who was represented by the Agency’s Director of Stakeholder Management and Partnership, Dr Aristotle Onumo, emphasised that collaboration remains the cornerstone of successful digital transformation.
“One thing that is very clear is partnership and collaboration. If you want to take advantage of collective intelligence, then partnership is the key. If you want to succeed in building a unified government system, collaboration is the way to go,” he stated.
He stressed that digital transformation is not merely about deploying technology but about transforming people and culture. According to him, resistance to change and entrenched institutional silos can undermine even the most sophisticated technological frameworks if mindset shifts are not prioritised.
“Digital transformation is as much about people as it is about process and technology. If culture resists change, it can undermine strategy at every level. We must move from control to collaboration, and from isolation to integration,” he added.
Highlighting NITDA’s strategic direction, the DG noted that the Agency’s action plan prioritises digital literacy as a foundational pillar for national development. He disclosed that NITDA is targeting 70 per cent digital literacy nationwide through structured interventions, including training 30 million Nigerians across formal and informal sectors using digital learning platforms deployed through community and institutional partnerships.
He further revealed that digital education is being integrated into school curricula at primary, secondary, and tertiary levels, while civil servants across the federal public service are undergoing digital capacity development programmes to enhance institutional efficiency and readiness for interoperable governance systems.
On interoperability, Inuwa described it as “not optional but a necessity” for achieving data integrity, efficiency, and innovation in governance. He explained that NITDA is developing a national interoperability framework and advancing Enterprise Architecture (EA) initiatives across government institutions to ensure seamless data exchange.
“When we talk about interoperability, we mean that data generated in one agency should be accessible and usable by another in a consistent and secure format, without contradiction or confusion. That is how you build one government, not multiple disconnected systems,” he explained.
He added that a robust interoperability framework would not only improve internal government efficiency but also create a platform for innovation, enabling startups and young innovators to build solutions on structured public datasets.
While commending the state’s leadership for its vision and commission, he said, “If we achieve even 80 per cent of what has been presented here, Abia will not only lead among states, but it will also become a national reference point for digital innovation.”
The workshop concluded with a renewed call for stronger federal–state collaboration, policy alignment, and sustained investment in digital capacity to ensure that the vision of “One Citizen, One Identity” translates into tangible socio-economic impact.
General News
Zinox Technologies and TD Africa Forge Strategic Partnership to Revolutionize African Tech Ecosystem

In a landmark development set to reshape Africa’s technology landscape, Zinox Technologies, the continent’s leading manufacturer of trusted technology solutions, and TD Africa, Africa’s largest technology and lifestyle distribution powerhouse, formalized a strategic partnership on Friday at an exclusive press conference attended by industry journalists, key stakeholders, and partners from both organizations.

Zinox Technologies and TD Africa
The event, held to officially announce the collaboration and address stakeholder concerns, marks a pivotal moment in the evolution of indigenous African technology, signalling a new era of continental self-reliance and technological excellence.
The partnership brings together two industry titans whose complementary strengths promise to deliver unprecedented value to the African market.
Zinox Technologies has established itself as Sub-Saharan Africa’s premier indigenous technology manufacturer, producing internationally certified devices that rival global brands while addressing Africa’s unique technological needs.
TD Africa, with its extensive distribution network spanning 43 nations in the continent and expanding, has become the preferred gateway for leading global technology brands including HP, Microsoft, Dell, and Cisco.
This alliance represents more than a business transaction; it harmonizes Zinox’s precision-engineered hardware with TD’s formidable distribution infrastructure to bridge the digital divide, deliver rugged, energy-efficient innovation to the very heart of Africa’s schools, industries, and homes.
Speaking at the event, Chioma Chimere, Coordinating Managing Director of TD Africa, articulated the strategic rationale behind the partnership with evident conviction. “Today represents a moment where Africa meets Africa,” she declared, emphasizing Zinox’s distinction as an indigenous brand that truly understands and produces to meet the unique needs of the continent.
Chimere highlighted Zinox’s comprehensive product range and their remarkable efficiency, noting that the company’s Made-for-Nigeria approach addresses challenges that foreign manufacturers often overlook.
“We are proud to partner with a brand that doesn’t just import solutions but engineers them specifically for our reality,” she added, expressing gratitude to all stakeholders for participating in this historic collaboration.
The event’s opening address set the tone for what promises to be a transformative partnership. The gathering provided partners and the public with comprehensive insights into how this alliance will enhance market access, product availability, and technological solutions across the continent.
Chioma Nwoke, Executive Director, Human Resources Head at Zinox Technologies, offered a compelling vision of the partnership’s broader implications for African technological sovereignty.
She articulated Zinox’s founding vision, to create dependable standards of technology, and traced the company’s evolution from its inception to its current position as a leader in indigenous manufacturing.
“This partnership sends a powerful signal to the market that African technology can compete, innovate, and lead,” Nwoke emphasized.
She stressed that this collaboration transcends mere commercial transactions, encompassing digital education, enterprise development, and nation-building through technology.
“Zinox will continue manufacturing global-standard products, and Africa will be sustained by partnerships like this that demonstrate our capability and commitment to technological independence,” she affirmed.
Moses Edoh, Head of Research and Development at Zinox Technologies, provided technical insights into the company’s diverse product portfolio and the philosophy driving their design approach.
He explained how Zinox, iTEC, and iPower brands compete successfully with foreign manufacturers by creating products tailored to specific customer needs.
“We were the first to produce and introduce hybrid inverters in Nigeria,” Edoh noted, “and every product in our lineup is designed to address the unique challenges Nigerians face daily.”
The Zinox product ecosystem showcases remarkable breadth and innovation. Their technology lineup features cutting-edge All-in-One Smart Boards, PCs with various specifications, tablets, desktops, monitors, and Point-of-Sale systems.
The iPower renewable energy division offers an impressive array of solutions including the Megaforce 125W, GridPro 50KW, Bijimi 30KW, Premium 11KW, Infiniti, Plus, iPower X, iPower Ascend All-in-One, Ascend, Matrix All-in-One, 3KG MPPT Solar Charge Controller, 665 Watts Bifacial Topcon Panel, various monocrystalline panels ranging from 320-550 Watts, multiple battery technologies (lithium, tubular, gel), solar street lights, and portable power banks.
The iTEC brand delivers power generating sets with 100% copper winding, while their consumer electronics range includes AI QLED Smart TVs from 33″ to 95″, microwave ovens, and rechargeable fans.
The testimonials from existing partners underscored the quality and durability of Zinox products. Engineer Anthony Anigbogu, Chief Executive Officer of Orbit Business shared his remarkable experience with an iPower hybrid inverter that served him faithfully for twelve years, only requiring replacement when he needed higher capacity. Such testimonials validate Zinox’s commitment to manufacturing products built for longevity.
Partners called for increased awareness campaigns, noting that many Nigerians continue relying on foreign brands despite having access to Nigerian-made solutions tailored to their unique needs. They pledged to actively promote these indigenous products within their networks.
With TD Africa’s expansive distribution network now channelling Zinox’s comprehensive product range, customers across the continent gain expanded access to world-class, Africa-optimized technology solutions.
Partners of both organizations stand to benefit enormously from this synergy, gaining access to innovative offerings including JOI (Just Own It) for individual consumers, TaaS (Technology as a Service) for corporate clients, and PaS (Product as a Service), among other solutions designed to make technology more accessible and affordable.
For organizations and individuals interested in exploring partnership opportunities or learning more about these innovative solutions, you can send an email to [email protected], with comprehensive information also available on their website.
This partnership represents not just a business alliance but a declaration of African technological capability, a testament that the continent can manufacture, distribute, and sustain world-class technology solutions designed by Africans, for Africans.
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