E-Business
Nigeria, Africa Ripe for Mobile Payment- Manceron
Tagattitude is specialized in mobile payment and security solutions. The company was founded in 2005 by Yves Eonnet, Loïc Eonnet and Hervé Manceron. These founders combined their expertise in smart card and telecom industries, as well as telecom infrastructure and signal processing. Manceron, chief operating officer of the company was in Nigeria last week and he spoke to Hilary Okeke
Global winner in the GSMA Innovations Category in 2008 and Eyes another Trophy this year
Well, Tagattitude has had the honour of being selected as a Global winner in the payment category in the last couple of years at the GSMA event, which is the parent association for all GSM standard operators worldwide. We won in 2008. We also had a good show at the GSMA’s Global Innovation 2009 global award competition. We won the regional events for the Americas and many others. I think we need to allow other guys to have a chance too.
Bringing Mobile Payments to the Lower End of the Market
What we are proving is an authentication solution using the mobile phones. This allows banks and other financial institutions to leverage our technology and provide services for their customers. The Near Sound Data Transfer (NSDT) technology is immediately compatible with all mobile phones in existence today, whether they are GSM or CDMA; and without need to download any application or any add-on on the mobile phones.
Major Attractions of the NSDT and Mobile Payments
By using audio channels (common to all phones), NSDT technology provides a secure and user-friendly transaction platform through which funds can be stored, extracted, transacted, and managed. This technology provides a smartcard-grade transaction security and usability on existing infrastructure and hardware. No software downloads or hardware upgrades are required and all mobile networks are eligible. It is phone-independent as well as network-independent. The payment solutions developed using NSDT are packaged into complete payment solution called TagPay, which can be implemented as any combination of the transaction functions depicted. Because NSDT solutions are universally available and deployment-free, they enable implementers to realize the dream of mobile banking and payment. Of course, this also makes them very cost-effective. Remember our focus is the low end of the market. We want to bank the unbanked.
Road Map for Nigeria
We are at the pilot stage with some leading banks and PSP providers in Nigeria. We are working on milestones and very soon, Nigerians will be able to make transactions on their mobiles on the streets, shops, online, and pay for common goods like newspapers or even a bottle of soft drink electronically, formerly bought with cash.
Nigerian Office
Tagattitude of France has always worked in third party countries through partnerships. In Mali and some other countries where we currently operate, local firms are pushing the business model and it is quite a huge success. In Nigeria, we are working in close collaboration with Tagattitude Nigeria Limited. The local representative of Tagattitude France Inc. is Tagattitude Nigeria. We have other customers and partners as well.
Nigerian Market Ready for Mobile Payment
If you look at the success of M-pesa in Kenya and some other solutions in the African market, it will be a wrong business decision not to look at Africa at a closer level. We understand the African market and that is why we designed from the beginning, a solution that serves the needs of Africans with low level entry phones, and figuring the educational levels and rate of technology adoption. Africa holds a unique attraction for us because of the success of mobile penetration across the landscape. Africa currently accounts for over 300 million mobile subscribers and Nigeria has more than 55 million under an addressable market of 140 million. The prospect for Africa is promising and rewarding. Only last Tuesday, we launched in Bamako, the Malian capital and the response was tremendous. We also offer an international remittance product into Mali used by Malians in the Diaspora.
Role of Banks in Robust Payment Ecosystem
The banking sector is believed to affect growth by improving the access to financial services and improving the efficiency of financial intermediaries, both of which reduce the cost of financing, and in turn, stimulate capital accumulation and economic growth. By enabling mobiles to make secure transactions, the banking sector is opened, improving cost and efficiency of financing. Presently, developing-world economies have difficulty accounting for cash transactions. Replacing cash with mobile payment will revitalize economies and generate development. Thus on a macro scale, implementing mobile payment addresses a challenge faced by a majority of developing economies. Mobile subscription currently outstrips the Bank accounts in Nigeria by ration 3:1 and that is projected to grow to 5:1 in 2009 and even slide further in coming years. Banks are very useful partners in the evolving ecosystem in Nigeria and across Africa.
NSDT and Unbanked Population
On individual level, mobile payment addresses a myriad of problems faced by unbanked individuals. For many, carrying cash is dangerous and cumbersome, but not having money when needed can be equally problematic. By merging phone and wallet, assets are secured and impossible to access without the mobile and private PIN. Mobile payment also facilitates tracking and management of finances, creating new tools for financial responsibility. Daily purchases in remote areas can be made in a few seconds by simply dialling a number and placing your phone against the phone of a vendor. No cards or terminals are needed. Local businesses can offer and manage prepaid accounts with their clients and pay their employees. With NSDT, all of the risks and inconveniences of cash are eliminated. Nevertheless, funds can easily and fluidly cash-in and out when needed. By enabling easy cash-out and phone to phone transactions, the reluctance to dematerialization of cash is eroded. Our solution allows anybody with a mobile phone to make withdrawals from any ATM. The only modification on the existing ATMs is software. Microfinance banks can issue and supervise loans using mobile payment, raising the standard of accountability for their clients and facilitating loan distribution and collection. Loans can be sent to phones through the internet, saving loan officers dangerous and time consuming cash-laden voyages to each borrower. Micro-loan recipients can cash the loan at an ATM or with agents. Alternatively, the money that is electronically lodged “on the phone” can be spent directly from one phone to another – avoiding cash altogether. Borrowers can repay their loans to designated agents equipped with their phones “linked” to the micro-credit bank or can repay through ATMs equipped with NSDT™ software. By integrating the NSDT™ mobile payment platform into the bank back office, microfinance operations are made more efficient, more secure, and more effective. Furthermore, there is zero hardware deployment and minimal software integration. The possibilities and advantages are endless.
Other African Operations
We are operation in Mali, Ivory Cost and some other African countries where demos and pilots are currently running. Nigeria holds a unique attraction because of the absence of a nation wide mobile payment systems and the sheer number of the mobile subscription, in addition to the very robust banking sector.
Roll Out Status in the European Union
In the EU, we have commenced operations in France for retail payments across restaurants and other merchants in Paris, which was a huge success and we are also deploying across Europe with the world’s biggest telecommunications mobile operator, Orange in selected European Nations.
Assessment of the Nigeria Financial Sector
Even in face of the global financial crunch, Nigerian banks are still very robust with great potentials. Because of the recent reforms, the banking sector is stronger. Unfortunately, banking services are available to only 10% of the populace due to the inability of many to provide the necessary IDs such as national passports or driver’s license. However, a mobile phone has a unique ID which is the MSIDN number. Using this platform, we can bank the unbanked. We are in partnership with the World Bank to provide banking services to the unbanked population in other African countries.
Products on Offer
We have created the cheapest PoS system in the world. With a printer, it costs less than N25, 000. We also have account management software for the virtual accounts that run on NSDT.
Timetable for Launch
We work based on achieving milestones. We hope to commence the deployment of pilot systems and demos for a few selected Nigerian banks and one or two PSP providers (switching companies). The next stage will be a full deployment, and that I believe will be determined by lots of local factors but like I said, we hope to begin full-scale operations soon.
Compatibility of NSDT with Mobile Types
All mobile phones currently in the market are compatible without the need to download any application or configuration. It is immediately compatible with all mobile models ranging from the cheaply priced phones to the high-end phones.
E-Business
Galaxy Backbone Tops FG’s Website Performance Ranking

Galaxy Backbone Limited (GBB) has been ranked first overall in the 2025 Federal Government Website Performance Scorecard.

This is a landmark achievement for Nigeria’s digital economy.
The ranking, conducted by the Bureau of Public Service Reforms (BPSR), is the definitive benchmark for digital excellence and transparency across all Ministries, Departments, and Agencies (MDAs).
Professor Ibrahim Adepoju Adeyanju, managing director and CEO of Galaxy Backbone, received the award during a ceremony in Abuja.
He described the feat as a validation of the agency’s“Nigeria First”data sovereignty strategy and its relentless pursuit of service excellence.
This recognition comes as the Federal Government intensifies its push to achieve a fully paperless civil service by December 31, 2025.
GBB has been the primary architect of this transition through its 1Gov Enterprise Content Management (ECM) platform, which now hosts the operations of almost all federal MDAs.
The award adds to a growing list of accolades for Galaxy Backbone in 2025, following its recent win of the “International Standard Excellence Award for Best IT Service Provider.”
As the central hub for government shared services, GBB’s performance serves as a blueprint for other agencies currently undergoing digital transformation.
With its expanded fiber-optic backbone now covering over 13 states and its secure cloud solutions, Galaxy Backbone remains the cornerstone of Nigeria’s vision to become a leading digital nation by the end of the decade.
E-Business
Nigeria Police Arrest Okitipi, Nigerian Allegedly Linked to Microsoft 365 Hack

Okitipi Samuel, a Nigerian man, has been taken into custody by the Nigeria Police Force for his alleged role in a global cyberattack on Microsoft 365 users.

Benjamin Hundeyin, Force public relations officer, disclosed this on Thursday in Abuja while briefing journalists on the outcome of investigations carried out by the National Cybercrime Centre of the Nigeria Police Force.
Hundeyin said the centre, under the leadership of Ifeanyi Uche, its director and Commissioner of Police, commenced investigations in collaboration with Microsoft, the Federal Bureau of Investigation, the United States Secret Service, and the United Kingdom’s National Crime Agency.
According to him, investigations revealed that a phishing toolkit known as “Raccoon 0365” was used to create fake Microsoft login portals to harvest user credentials and unlawfully access email accounts belonging to corporate organisations, financial institutions, and educational institutions in several countries.
“This investigation commenced following credible intelligence received from Microsoft USA through the FBI, indicating that a malicious phishing toolkit known as Raccoon0365 was being used to create fake Microsoft login portals, harvest user credentials, and unlawfully access the email accounts of corporate organisations, financial institutions, and educational establishments,” Hundeyin said.
He added that between January and September 2025, several reports of unauthorised access to Microsoft 365 accounts were traced to phishing emails designed to mimic legitimate Microsoft login pages, enabling business email compromise, internal phishing, data breaches, and other cyber-enabled fraud.
Hundeyin said digital forensic analysis and cryptocurrency tracing identified wallets connected to the illegal operation.
He noted that operatives were deployed to Lagos and Edo states, leading to the arrest of three suspects identified as Joshua, James, and Okitipi Samuel between September 20 and October 4, 2025.
“Following extensive digital forensic and technical intelligence analysis, the centre conducted cryptocurrency tracing that identified suspicious wallets connected to cash-out schemes.
“Acting on actionable intelligence, operational teams were deployed to Lagos and Edo states, resulting in the arrest of Joshua, James, and Okitipi Samuel. Searches at their residences led to the recovery of mobile devices, laptops, and other digital exhibits linked to the fraudulent scheme,” he said.
Hundeyin identified Okitipi Samuel, also known as “0365” and Moses Felix as the principal suspect and developer of the phishing infrastructure.
He added that investigations confirmed Samuel unlawfully used the email details of one of the arrested individuals without consent to register some of the accounts used in the operation.
The police spokesperson said further investigations revealed that the identities of Joshua and James were used without their consent.
“There was no evidence linking them to the creation or operation of the phishing scheme. They were victims of identity theft,” Hundeyin said.
He said a prima facie case had been established against Samuel for identity theft, unlawful access to computer systems, creation and distribution of malicious software, unauthorised interference with network data, and aiding and abetting fraud.
Hundeyin added that the suspect would be charged under relevant provisions of the Cybercrimes (Prohibition, Prevention, etc.) Act, 2024.
He said the suspect would be prosecuted in Nigeria, noting that the country has the capacity to enforce its cybercrime laws, although extradition could be considered if formally requested through due process.
Hundeyin assured Nigerians that the police, under the leadership of Kayode Egbetokun, inspector-general of Police, would continue to protect the country’s digital ecosystem and urged citizens to practise good cyber hygiene by being cautious when clicking links and sharing personal information online.
Speaking separately, Ifeanyi Uche, director of the National Cybercrime Centre, urged Nigerians to exercise caution online.
Uche advised members of the public to avoid clicking on links from unknown or unexpected sources, noting that such links often contain malware or phishing tools designed to compromise devices and personal data.
He warned that indiscriminate clicking of links or responding to unsolicited emails could lead to unauthorised access to personal and corporate accounts, urging citizens to “wash their cyber hands” by verifying sources before taking action online.
E-Business
Nigeria Takes the Lead in the Global WSIS+20 Digital Agenda

Nigeria has unveiled a comprehensive, multi-pronged strategy designed to localise WSIS+20 commitments. This roadmap accelerates national transformation by prioritising robust infrastructure, transparent internet governance, and advanced cybersecurity through deep stakeholder collaboration.

Unveiled in New York at the Nigerian high-level side event titled “Re-Imagining Digital Cooperation for Sustainable Development: From WSIS+20 Vision to Local Action,” the strategy cements Nigeria’s position as a primary architect of the world’s digital future.
Speaking at the event, the Director General of the National Information Technology Development Agency (NITDA), Kashifu Inuwa, CCIE represented by Director, Corporate Planning and Strategy, Dr. Dimie Shively Wariowei said Nigeria’s approach is deliberately aligned with the four core activity areas identified under the ongoing WSIS+20 review process.
According to him, the focus areas provide a practical framework for translating global digital commitments into measurable national outcomes, ensuring that international resolutions drive inclusive growth and sustainable digital development at the country level.
Inuwa identified digital infrastructure as the foundation of effective localisation, noting persistent challenges in extending connectivity to underserved and remote communities. Beyond infrastructure gaps, he highlighted affordability constraints and digital literacy deficits, stressing that addressing these issues remains central to Nigeria’s digital inclusion drive.
He explained that government alone cannot shoulder the burden of nationwide digital infrastructure deployment, given Nigeria’s vast geographical spread, hence the adoption of collaborative Public-Private Partnership (PPP) models. He disclosed that Nigeria, in collaboration with the World Bank, is implementing a major fibre-optic project spanning about 90,000 kilometres nationwide to boost connectivity.
The NITDA DG also revealed that the current National Broadband Plan, which has guided broadband expansion in recent years, is nearing completion, with plans underway to renew and reposition it for the next five years. The renewed plan, he said, will strategically target increased broadband penetration as a catalyst for digital access and economic growth.
On internet governance, Inuwa referenced Nigeria’s active participation in the Internet Governance Forum (IGF), noting that the country successfully hosted its annual national IGF. He said the forum operates on a multi-stakeholder model that brings together government, the private sector, civil society and the technical community to foster cooperation and informed policy dialogue.
Cybersecurity, he added, remains a critical pillar of Nigeria’s localisation efforts. He cited the existing Cybersecurity Act and ongoing efforts to strengthen the legal framework through a reviewed version currently awaiting parliamentary approval. These measures, he said, are designed to mitigate risks associated with increased internet use and to protect users and critical digital infrastructure.
Inuwa further stressed Nigeria’s ambition to play a leadership role in advancing digital cooperation across Africa through inclusive, multi-stakeholder engagement. He underscored the importance of coordinated national data collection, noting that reliable, country-specific data is essential for tracking progress and presenting Africa’s digital development story on the global stage.
He concluded that sustained engagement and follow-up actions arising from the WSIS+20 review would strengthen digital cooperation among African countries and ensure that global digital commitments translate into tangible national and regional impact.
Stakeholders commended Nigeria’s efforts in the digital space, acknowledging the country’s growing role in shaping Africa’s digital future.
Earlier, Ms. Jennifer Chung, Co-Convener of the Informal Multi-Stakeholder Sounding Board (IMSB), praised Nigeria for convening a broad-based, multi-stakeholder delegation and for its commitment to the meaningful implementation of WSIS+20 outcomes.
Chung stressed the growing demand for localised WSIS follow-up mechanisms, noting that platforms such as the annual IGF, National and Regional IGF Initiatives (NRIs), and youth-led forums are vital for tracking progress towards the 2030 Agenda and Africa’s Agenda 2063.
She described the WSIS+20 review as a critical step toward effective monitoring, reliable data collection and evidence-based evaluation, particularly for developing countries in the Global South. According to her, these measures are essential to achieving WSIS targets and ensuring that no region is left behind.
Drawing parallels with the Asia-Pacific region, Chung noted that challenges around affordable and meaningful connectivity remain widespread across developing economies. She emphasised that expanding broadband penetration and reducing the cost of access are crucial to closing digital divides in Africa, Asia-Pacific and other parts of the Global South.
She also highlighted the need to enable active citizen participation in emerging technologies, including artificial intelligence and future innovations such as quantum technologies, stressing that inclusive digital access is key to maximising the benefits of digital transformation.
Reflecting on the WSIS+20 review process, Chung praised the innovative and inclusive approach adopted through the informal multi-stakeholder sounding board, describing it as one of the first of its kind in global digital governance. She called for sustained collaboration among governments, the private sector, civil society and the technical community to carry the WSIS vision from global commitments to local action.
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