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MobiLotto is a Wealth Distributor- Humber-Osofisan

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Andrew Humber-Osofisan, president and chief executive of Humber Group
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Andrew Humber-Osofisan is the president and chief executive of Humber Group, a boutique firm that specializes in a diverse range of business disciplines.
 Through its technology partner, Humber Technologies, the company recently developed a unique Unstructured Supplementary Service Data (USSD) based lottery gaming that promises to transform lives of ordinary Nigerians and enrich the country called MobilottoAfrica.
Humber-Osofisan spoke to peter ugwu on the objectives of the operation revolves around
Information and Communication Technology (ICT) Solutions and Financial and Business Consulting and Advisory Services.

Humber’s Interest in Africa
Since I came back to Nigeria, after 32 years of sojourning in America, I saw gaps that must be closed and needs to be fulfilled, not just in Nigeria, but Africa in general.

One thing is that Nigerians are very smart people, and they make things happen abroad, then why can’t we replicate those achievements abroad here in Nigeria.

That formed the main interest for us investing in African.

Lottery Business and Abuses
First of all, Nigeria is the only country where an individual or corporate organization actually obtains lottery license; elsewhere it is either the lottery is owned by the Federal Government or the State Government.

 But in a situation whereby an individual is licensed to operate a lottery, it becomes a problem, because it takes a lot of resources to actually establish a solid lottery operation.

If you look at places like Canada, UK, among others, it takes a lot of structure to put this in place.

 I think that is one of the reasons it has not really been grounded in Nigeria. However, we have agencies that can regulatory the industry in Nigeria.

But when you have so many people getting lottery licenses, coming up with several schemes, at the end, some of them close shop due to lack of sustainable structure in place.

They lack the capacity to make the lottery scheme favour the community, the players and the government.

They use the proceeds to enrich themselves, and not necessarily to add value to the players themselves.

MobilottoAfrica Distinguishing Characteristics 
The lottery of MobiLottoAfrica is a lottery that is like the ones played in the United States of America, the jackpot goes up to $500 million.

It is the same kind of Lottery we play in Toronto, Canada, or like the Euromillion.

Here, we have developed it into mobile applications, because Nigerians are used to their mobile phones, which has become the easiest way to reach people.

We have application for that. And mobile lottery cuts across religious and ethnic beliefs.

So, we are bringing a global perspective to the process, which will make a lot of difference.

What we have done in essence is that every cell-phone, in the hands of the player, becomes the lottery terminal, which is expected to be operational 24 hours of the day.

So, we are going to build agencies or physical terminals, which cuts down cost.

Every individual carries his own lottery terminal in his hand and will not be subjected to locate any physical terminal before he plays.

MobilottoAfrica and Fight against Unemployment
I would like to take this from the report that government can make about $300 billion annually from an organized lottery industry. 

The thing is that when a lottery is played, the Government gets 20 per cent share.

Imagine a situation where we have 98 million adults (of 18 years and above), who are legally qualified to play the lottery, even if only 10 per cent of that participate; that is 9.8 million people playing either on daily, weekly or monthly basis.

Now, our lottery is a daily one, so if 10 per cent of our adult population plays N100 per play, that is N900,080 million, so if the government is taking 20 per cent of that every day, by the time it gets to months, we should be talking about billions of naira coming into government’s coffers.

More so, I would like us to take into consideration that an individual plays once. Our statistics show that an average player plays four times.

By the time, government gets this revenue it will plough the fund back into education, health, agriculture, youths empowerment, among other, and employment is created.

How about the players? 50 per cent of all the money that comes goes to them.

Therefore, when you have N900, 080 million and you divide it into two, money goes out to somebody every day, they are being empowered, entrepreneurial spirit is created and standard of living is improved.

That is what lottery does in every other country that genuinely bought into it.

Penetrating the Skeptical Market   
Humber group has already penetrated the market, because our booth is in everybody’s hand.

The second thing is that Nigerians are used to lottery-promos. So, it is not like they are not aware.

And with the recent ban of lotteries and promos by NCC, we are giving Nigerians another option, because ours is different and there are a lot of transparencies with what we are doing.

When you play the lottery today, the draws are done on a national television, so that the whole world can see; whoever has won, the public will see the result.

And within 20 minutes of the draw we shall send out an alert congratulating the winner. So, trying to penetrate the market will be simple, as the equipment required to push this is already in the market.

Strategies for Sustainability
On my part, the project will sustain itself for ever. However, there are extenuating circumstances and forces like what just happened (NCC’s ban on promos and lotteries); assuming we have been running ours and NCC says stop.

That is a disruption and will not sustain it. If the telecoms base stations go down, probably for vandalism or technical hitches, because everything runs on networks, that will affect the players also.

But all things being equal, it will run smoothly. The results are announced on daily basis and
people are empowered.

Sustaining Platform through Software Applications
Well, taking into cognizance of what happens in Nigeria, especially due to infrastructure; electricity, network congestion, etc, we developed a solution called Unstructured Supplementary Service Data (USSD).

What that does is that it acts like an SMS and WAP application.

With our technology one does not require to download or subscribe to anything. It’s just to embrace the USSD platform and when you finish playing you sign out.

So, it does not have congestion issue. It does not use the same channel that voice uses or SMS. With this USSD platform, assuming we have a million people that play at once, the system will not take a million and one.

Once one person finishes a new player gets on. The maximum time one can spend on a session is 40 minutes.

And it takes 20 to 28 seconds to kick off play.

Unlike SMS, if you make a wrong play our system will send and invalid response to you. You are never charged until you make a right play.

Therefore, there are no arbitrary charges or surcharging of the players.

Remitting of Prizes to the Winners
When I came back to Nigeria, what I heard was that no body will believe in this lottery; there are so much fraud.

People cited cases of multi-million naira lottery schemes that came up and people believed them, only for them to be duped, and I answered that the way we do ours is that when a player wins, he gets a congratulatory SMS within 20 minutes.

Then the ticket will be announced, because for every play there is a ticket attached to it.

Then, every individual has a pass code given to him. In essence we have created file for every player using the telephone number, so for everything you do, you are easily recognized.

Then the player will initiate claims by pressing ‘winning’ that will redirect him to Mobilotto platform. And what we have done is that we have partnered major banks in Nigeria.

So, the winner chooses the banks he wants to use and we forward the transaction code to the bank. All of this happens within seconds.

That is the technology we are bringing to bring sanity and transparency into the industry.

It’s either the person withdraws with his ATM card or it becomes a mobile money.

In other words, there will be no cash transaction, thereby bringing the industry to comply with the CBN’s cashless policy. In essence we have created the largest mobile money eco-system in Nigeria.

Ombudsman
We have a customer care programme. At the same time, this is automated. So we try to minimize the contact.

There is an Interactive Voice Response (IVR) system that we have created which is on the same USSD platform where the player partakes in the process.

And you don’t get charged for any of these, except when you play and it is valid.

But in a situation whereby a player could not get satisfactory answer or he needs more explanations, there is a toll-free line to call.

Regulators’ Backing
When we started, we spoke to the authorities; of course anybody can be skeptical about a new thing.

Unfortunately, some people believe that when a Nigerian is coming up with a technology it doesn’t make sense; it must come from China, America or India.

We had worked with the America Government, developed applications they used in this sector, so all we need is for the Nigerian government to give this a trial and believe in Nigerians.

Even as we didn’t get much support, but we had the confidence and now they are beginning to accept the platform after some demos.

We have completed the technology, but the delay has been with connecting the telecos. In spite of the ban, NCC is doing a great job.

I have seen them change a lot of things. On the recent ban of promos and lotteries, I think there is a misunderstanding in some place.

A blanket ban on lottery, I think it is misinformed. They would have said that lottery licensees should have been exempted because there is a regulatory body for that.

And I don’t think there is a lottery licencee in the country that is doing full mobile lottery like ours, they are mainly on SMS platforms and that is where the problems come in. NCC should look at that too.


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NCDC Says Lagos, FCT, Others on High Ebola Alert

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Nigeria Centre for Disease Control and Prevention (NCDC) has placed Lagos, the Federal Capital Territory and several other states on high Ebola alert following the outbreak of the deadly Bundibugyo strain of Ebola Virus Disease in parts of East and Central Africa.

NCDC Says Lagos, FCT, Others on High Ebola Alert

In a national public health advisory issued to Commissioners for Health across the country, the agency warned that Nigeria faces a high risk of importing the virus due to increasing regional transmission, international travel, porous borders, and population movement.

The advisory, dated May 27, 2026, comes amid growing concerns over the spread of the Bundibugyo variant of Ebola, a rare strain for which there is currently no approved vaccine or specific treatment.

States classified by the NCDC as high-risk include Lagos, the FCT, Rivers, Kano, Enugu, Borno, Akwa Ibom, Cross River, Taraba, and Adamawa because of their international airports, seaports, border routes and high human traffic.

“The immediate objective of our national preparedness and readiness efforts is to ensure that every State and the FCT can reasonably detect, contain, and respond swiftly to any suspected case while protecting health workers and sustaining essential health services,” the NCDC stated.

The agency disclosed that although Nigeria has not recorded any confirmed case, a dynamic risk assessment conducted after the outbreak was declared a Public Health Emergency of International Concern showed that the danger of importation into Nigeria remains high.

According to the NCDC, 1,077 suspected cases and 247 deaths have already been reported in Uganda and the Democratic Republic of Congo, with a fatality rate of 24.6 per cent.

It added that the outbreak has also triggered international concern, with suspected cases reportedly identified in India, while Canada announced temporary restrictions on travel applications involving residents of Uganda, DRC and South Sudan.

Uganda has also reportedly introduced border closure measures to contain the spread.

The NCDC stressed that the Bundibugyo strain differs from the Zaire Ebola strain, which existing vaccines and antibody treatments primarily target.

“The current Bundibugyo virus outbreak has no licensed vaccines or approved targeted therapeutics,” the advisory warned.

Health officials also cautioned that Ebola symptoms could initially resemble malaria, Lassa fever, or other common illnesses, making early detection more difficult.

“Health workers must not wait for bleeding before suspecting Ebola in any patient with compatible symptoms and relevant travel or exposure history,” the agency said.

The NCDC noted that Ebola is not airborne and spreads mainly through direct contact with infected blood, body fluids, contaminated materials, or infected animals.

As part of emergency preparedness measures, the agency said its National Emergency Operations Centre has already been activated in alert mode to coordinate nationwide response efforts.

State governments were directed to immediately activate Ebola preparedness structures, identify isolation centres, intensify surveillance at entry points, equip frontline health workers with personal protective equipment and begin public sensitisation campaigns to counter panic and misinformation.

The agency also asked states to submit readiness reports within 72 hours.

Nigeria’s renewed Ebola alert has revived memories of the country’s successful containment of the virus during the 2014 outbreak, when an infected Liberian-American traveller, Patrick Sawyer, arrived in Lagos and exposed dozens of people before authorities intervened.

At the time, public health experts feared a catastrophic outbreak in Lagos due to its dense population and status as one of Africa’s busiest commercial hubs.

However, rapid contact tracing, aggressive isolation measures, emergency coordination and public awareness campaigns helped Nigeria stop the spread within months.

The World Health Organisation (WHO) later praised Nigeria’s response as one of the most effective Ebola containment efforts in Africa.

The latest alert is considered particularly serious because the Bundibugyo variant remains less understood than the more common Zaire strain.

Unlike the Zaire strain, which has approved vaccines and treatments developed after previous West African outbreaks, the Bundibugyo strain currently lacks licensed countermeasures.

Public health experts have long warned that Nigeria’s heavy air traffic, extensive land borders, crowded urban centres and overstretched healthcare system leave the country vulnerable during regional disease outbreaks.

The warning also comes as Nigeria continues to battle multiple infectious disease outbreaks, including Lassa fever, cholera, and meningitis in several states, increasing pressure on the healthcare system.

Health authorities are now urging Nigerians to remain calm, avoid rumours and fake cures, maintain proper hygiene and report suspected symptoms early as surveillance and preparedness measures intensify nationwide.

 


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How Enugu State is using GovTech to Fix its Housing and Land Administration

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The ongoing transformation at Enugu State Housing Development Corporation (ESHDC) is gradually positioning the corporation as one of the strongest examples of institutional reform and modern public service delivery in Enugu State.

How Enugu State is using GovTech to Fix its Housing and Land Administration

With the recent launch of its digitized land transaction and documentation system, ESHDC has taken a major step toward improving transparency, operational efficiency, accountability, and investor confidence within the housing and land administration sector.

The reform initiative, introduced as part of Governor Peter Mbah’s broader governance modernization agenda, is expected to significantly improve land documentation processes, digital payments, workflow coordination, property verification, and the issuance of Certificates of Occupancy (C-of-O), while reducing delays and inefficiencies previously associated with manual systems.

Beyond technology, however, the transformation reflects a deeper institutional shift focused on building systems that work more efficiently for the people while strengthening public trust in government operations.

One of the personalities increasingly associated with this evolving reform culture is Adenike Okebu, whose involvement in key accountability, audit, and operational restructuring processes within the corporation continues to attract attention.

Her professional background spans EY Nigeria, Deloitte, BUA Group, Platform Capital, and Pinnacle Oil and Gas, giving her a rare combination of Big Four audit rigour, corporate financial governance experience, and frontline public sector reform capability.

Her growing public profile is increasingly associated with helping governments and organizations improve revenue governance systems, strengthen financial transparency, optimize revenue collection structures, detect and remediate revenue leakages, and produce credible financial reporting capable of supporting both domestic accountability and international investor engagement.

Industry observers note that her contribution to audit-driven reforms and operational restructuring within ESHDC helped create a more organized and transparent institutional framework capable of supporting the corporation’s digital migration and modernization goals.

The impact of the reforms is already becoming visible through improved workflow systems, better records management, increased operational coordination, and stronger confidence in the corporation’s administrative structure.

For many stakeholders, ESHDC is now becoming more than a housing institution. It is emerging as a model of institutional modernization; a platform demonstrating results; a reflection of transparent governance, and a symbol of operational reform and accountability.

At the same time, Adenike Okebu’s increasing visibility within the transformation narrative is positioning her as a modern governance advocate and a public-sector personality associated with institutional reform, measurable impact, and people-centered leadership.

As Enugu State continues to push its broader reform agenda, the ESHDC transformation story is gradually reinforcing a growing perception that sustainable governance is built not only on policies, but on accountability, transparency, operational efficiency, and institutions capable of delivering measurable results.


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How MTN and SMEDAN are Closing Nigeria’s $158 Billion Funding Gap for 40 Million Small Businesses

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Nigeria’s mySMEville platform is becoming a key driver for Africa’s digital economy by closing the financial and skills gaps holding back the country’s nearly 40 million MSMEs. This was highlighted on Tuesday, May 12, 2026, during a visit hosted by the Small and Medium Enterprises Development Agency of Nigeria (SMEDAN) to the MTN head office by Angola’s INAPEM, the National Institute of Support for Micro, Small and Medium Enterprises. The delegation was led by its Chairman, Mr. Bráulio Augusto.

How MTN and SMEDAN are Closing Nigeria’s $158 Billion Funding Gap for 40 Million Small Businesses

L-R: Njideka Jack, General Manager Enterprise Marketing, MTN Nigeria; Dr. Charles Odii, Director General, Small and Medium Enterprises Development Agency of Nigeria (SMEDAN); Lynda Saint-Nwafor, Chief Enterprise Business Officer, MTN Nigeria; Bráulio Augusto, Chairman of The Board of Directors for National Institute for the Support of Micro, Small, and Medium Enterprises (INAPEM) and Omowunmi Olatunbosun, Head, SME Segment, MTN Nigeria, at the mySMEville Angola INAPEM visit to MTN and SMEDAN, at MTN Plaza, Ikoyi, Lagos on Tuesday, May 12, 2026.

The delegation was focused on studying the success of the MTN and SMEDAN mySMEville partnership. The initiative targets four core areas: information, funding, infrastructure, and markets, to support a sector that contributes 48% of Nigeria’s GDP but remains largely underserved.

mySMEville moved quickly from a strategic idea (the MOU was signed in November 2025) to a continental success. After a pilot in Lagos onboarded 200 businesses in December, the platform rapidly grew to include over 2,600 businesses nationwide by May 2026.

This rapid expansion is essential given that 80% of Nigerian SMEs are currently informal and only 3.9% access formal credit, leaving a staggering $158 billion annual financing gap.

Emphasising the strategic necessity of this collaboration, Lynda Saint-Nwafor, Chief Enterprise Business Officer at MTN Nigeria, stated: “At MTN Business, our ambition is clear: to serve as the leading technology partner enabling Africa’s enterprises to scale, compete, and create sustainable impact. We are intentionally building platforms that matter, solutions that scale, and ecosystems that accelerate inclusive economic growth across the continent.  

“This is why initiatives such as mySMEVille are strategically important to us. SMEs remain the backbone of our economy, driving innovation, creating jobs, and strengthening national competitiveness. Through our partnership with SMEDAN, we are focused on unlocking the full potential of these businesses by providing access to guidance, digital tools, market opportunities, financing ecosystems, and workforce support.” Supporting this view, Dr Charles Odii, Director-General of SMEDAN, said that the initiative represents the future of business on the continent, asserting that “What we are witnessing here is a formidable force for economic progress. Through this deliberate Public-Private Partnership, Nigeria is aligning its public and private sectors to lead the way for Africa.”

Olatunbosun Agosu, Senior Specialist, ICT Segment Management, MTN Business demonstrated with a live demo, how the mySMEville platform, a joint effort by MTN and SMEDAN, is the “one-stop orchestrator” for Nigeria’s 40 million small businesses.

The platform is an intuitive, centralised platform that bridges the $158 billion funding gap and digital divide. By aggregating diverse partners, it gives entrepreneurs direct access to funding, infrastructure (like solar power), e-commerce tools, and essential growth information.

INAPEM’s Chairman, Mr. Bráulio Augusto, confirmed that Angola intends to adapt the framework to its own economic reality. Reflecting on the visit, the Chairman stated during his remarks, “The key thing I learned here is the strength of the public and private sector partnership. mySMEville clearly shows what’s possible, and we will absolutely use these insights as we adapt this model back home in Angola.”

Looking ahead, the partnership aims to reach a monumental target of 5 million MSMEs through the mySMEville Academy, e-commerce integrations, and national policy advocacy. As the platform continues to grow into a “one-stop shop” for resources, it’s clear that Africa’s future depends not on luck, but on the smart, collaborative work of partners like MTN and SMEDAN.


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