General News
Nigeria Ripe but Not Ready for Cashless Transactions – Awe

Jide Awe is the chief executive officer of Jidaw Systems, a training, certification and career development company focused on fundamentals for building IT careers. Awe is also chairman, Publicity Committee of the Nigeria Computer Society (NCS). He has had over two decades experience in ICT and business management. Awe consults for both corporate and government clients and provides ICT content through various online, print and electronic media. He spoke to funmi ilesanmi on industry issues as well as the forthcoming 24th Annual Conference of the Nigeria Computer Society (NCS).
Jidaw Systems
Jidaw Systems is into training, consulting and web content provision. Basically, we are into human capital development in the IT industry. We develop people to get the skills that are necessary to grow the IT industry and also providing contents on the internet with a lot of things going on relating to IT for development while at the same time we also provide consultancy services to assist organizations and people that need to improve their performances through IT. Another area is development advisory, we advise countries and organizations that want to use IT to develop their skills, we advice them on how to go about it.
We also train secondary school students because we believe that these things should actually start from the schools. It is not something you should wait until you graduate from higher institution before you start acquiring the skills. A lot of pioneers in IT that created a lot of change were very young people. We tap into the creativity and energy of the young people and show them that this is something that can actually transform the world. Through this you can make money for yourself and also make an impact in the world. We are looking at young people but there is no real restriction. It is a question of desire and interest but the focus mainly is on young people.
Training Women and Girls in ICT
Look at the population, we have been into trainings for sometime and we have seen in seminars and training programmes that women do not attend as much as men. So we did our studies and found out that it is a general thing and we also understood why. We try to say some of these perceptions if we do not do anything about them, we will have a situation in which 50 per cent of the population might be excluded from what is going on technology wise. The argument we try to bring in is that those set of people you excluded, technology is actually harming them if they do not use it. We need to be entrepreneurs and leaders in technology, we should not just be consumers and so 50 per cent of the populace not being actively involved in technology means you are loosing them because there is prejudice and that is where we said there was a need to intervene in that area. It is not a question of men are better than women, it is a need. It is not a men’s affair alone because it is a profitable career for both men and women.
Dearth of ICT Manpower
I do not think on the whole Nigeria is doing enough to encourage development of manpower. A lot of things that are being done are private initiatives, so we still need to have a very proactive strategy and interventions because anything you want to grow, you have to actually make extra efforts in pushing it. I do not think we are doing that, everybody is just pushing their own private initiatives. Private initiatives depend on resources available to you, your ability to market and things like strategic ways of repositioning yourself not that government itself will actually put in money but there is a way it can facilitate things to make it easier. For example, making training courses cheaper and more available for students. Training providers are entrepreneurs, they are going to do what is profitable for them in the environment so if the environment is better, of course they too will respond.
Job Search
We do human capacity development training and we feel that part of what we needed to connect with training and development was to imbibe the skills. We have training in entrepreneurial and other job search skills. Apart from that, we started an initiative which I see a lot of people doing now, where we actually post jobs online. We get jobs from people who come for consultancy and from other sources, people have been trained in this programme and they are looking for people to employ. The initiative is to help solve part of our employment problem using the online environment. This is connected to seeing how we can use IT to create jobs.
Jidaw’s Annual Software Development Capacity Building
Essentially we do the software training on annual basis to promote software development though we are not known for software development, we have identified that software development is at the core of all IT innovations. Anything new coming through information technology is software driven. It is an area in which we can tap into the creative abilities of young people that are actually being wasted. A lot of young people focus more on things like entertainment and sports but we are saying that those young people can use their ideas and their energy in the area of software development because it is an area that offers so many opportunities both to the country in terms of employment and also for foreign exchange earnings. The start up is not really as high as in other businesses. It is an initiative of ours that we do annually to sensitize people and create awareness on the importance of software development.
Assessment of Software Development in Nigeria
I think there need for re-orientation and a change in how we do things. A lot of organisations invest more in foreign software. There still has to be something in the environment that will encourage people to patronize their own and to develop the quality because you cannot keep on giving the excuse that foreign software have better quality than local software, when are your local people going to meet up? In the knowledge economy, it is those high value areas that will give you sustainable development, not the consumption. A lot of what we do here especially when we are buying software is that we are consuming at the expense of developing our local industry. Software development is one of those critical areas that we can tap into. If we can tap into it, it will actually transform our economy.
Software Piracy
Piracy is a double edged sword in the sense that what makes piracy thrive is that we do not have the controls and at times we also look at it from the point that what are the kind of things we are focusing on. Piracy has a lot to do with proprietary software and we are not really doing enough to develop other types of software especially the open source which is not affected by piracy. When you do that and you do not have a strategic plan, you look at the kind of environment. This kind of software because of this population let us sell it at this rate. You have earning power and the ability to pirate is huge. Can you police piracy? Why it is blossoming is because it is available and affordable for a lot of people. Once you can block those areas and create an environment where it is not affordable, where it is not available, you bring down your own prices too. It is not a good thing. Someone took his time to write these programmes, it is intellectual property and someone without doing anything steals it and starts making money from it. We cannot just complain about it, we have to change the environment by doing something about it
Policing Consumers
Part of what we are looking at is that can some of these software providers actually look at the mass market in Nigerian and bring down their prices to have an available pricing for Nigerians so that by the time you compare their prices with the pirated version, you do not see why you should get the pirated version that might be infected by virus with no support base after purchase. That is part of what I mean by policing it and when you discover that piracy is going on, what actions do you take? You cannot go everywhere, that means you have to target particular places and heavy consumers of pirated products. Piracy is not good but its impact is more on heavy users.
Encouraging Nigerians to Transact Businesses Online
Buying online is cheaper. If you are in Ikeja, you do not need to go to Victoria Island to make a purchase. You can view what you need online and also order it online. We need to emphasize more on the security and threats to building more confidence. Building confidence aligns with what we are doing about cyber security. This is one of the things we are trying to push through the Nigerian Computer Society (NCS) to ensure that the Cyber Security Bill is passed. There is no legislation. Electronic transactions that are fraudulent can be traced and either merchants or consumers that are using the electronic environment fraudulently should be punished. Once people start seeing that it is effective, they will start using it. Assuming you are a merchant, you should give users the confidence and an environment of safety while they are using your portal or using your online shop. That is what I advice merchants to do. Generally the society itself needs legislations to back up some of these things and enforcement as well. It is not just a question of the laws being in place with no one to enforce it. The law must be enforced. It is not the IT professionals that will do that. The law enforcement agency doing the enforcement must also understand what it is enforcing because it is not physical security.
Cashless Policy
Nigeria is ripe but not ready for cashless transactions. You can never wait until you are ready because if you are going to wait until you are ready; you will keep on waiting and by the time you are ready, others would have moved on to another phase. It is something that is available now but definitely there are issues and rather than run from those issues we can confront those issues and deal with them properly. One is the issue of telecom infrastructure, issue of failure in connectivity. We have to address those issues but when are we going to address those issues if we do not address them now? How we can make it practical for users. You have to make it attractive and make users confident in it and feel that it is superior and make it more profitable for people.
Upcoming NCS 24th Annual Conference
The conference is called Cashless 2012 and it was agreed upon by the national executives of the NCS that one of the most critical issues facing Nigeria now is how we can use IT to drive development and our focus this year is the financial sector. The financial sector based on this cashless policy is heavily dependent on technology and as a responsible professional stakeholders association; we feel that we should raise the issues. It is not just for bankers, finance houses and people to discuss. What are the technical issues, what can provide the backbone for the national infrastructure. If there is no technology, there can be no cashless society. The Nigerian Communications Commission executive vice chairman will be there and he is going to tell us what NCC is doing to make sure that quality of service improves, the quality of telecom infrastructure improves because it is also the backbone of going cashless. We have people that are going to talk on security because some of the benefits of using IT is convenience, ease of use, speed at less cost but there are also associated threats. What are the responsibilities of we as IT professionals in the area of security, what are the responsibilities to make sure people are secured as they go cashless. It is not about pushing technology on people, how do you change the culture of people for them to be carried along.
We are also looking at the postal sector. That means the postal sector, not just Nipost must also be connected to the delivery of the service. We are looking at the implications of the postal sector on e-business so that at the end if the day, it is truly effective and those technology practitioners play their parts as well because we are the real backbone of cashless and that is why we are championing it.
General News
NITDA DG Calls for Innovation-Led Economic Rebirth @ Kano Startup Weekend

Kashifu Inuwa, the Director General of the National Information Technology Development Agency (NITDA), has called for a fundamental shift in Kano State’s economic strategy, urging stakeholders to embrace innovation, technology and collaboration as the drivers of growth in the 21st century.

Speaking at the Kano Startup Weekend, Inuwa acknowledge Kano’s long-standing reputation as the commercial nerve centre of Northern Nigeria and the wider Sahelian region, noting that its history of trade, enterprise and human capital provides a solid foundation for future growth.
He emphasised that while these strengths powered Kano’s success for centuries, the modern economy now offers even greater opportunities through innovation and technology.
He described innovation as the process of transforming ideas into impactful solutions through commercialization, stressing that when ideas are effectively deployed, they create value, solve societal challenges and generate sustainable economic growth. He noted that Kano’s large market, strategic location and vibrant entrepreneurial culture place it in a strong position to take advantage of innovation-driven opportunities.
According to him, “Innovation is the process of taking an idea from inception to impact. Invention on its own is a cost centre, but when you commercialise an idea, when you turn it into a product or service that solves a real problem and creates value, that is when you begin to drive economic growth and inclusion.”
He noted that the state hosts numerous degree-awarding institutions across federal, state and private ownership, providing a strong base for human capital development. However, he expressed concern that these institutions often operate in isolation from industry, with research outputs rarely translating into commercial or industrial applications.
He explained that innovation does not happen in silos and stressed the need for a strong, interconnected ecosystem that brings together academia, industry, startups, entrepreneurs and government.
According to him, universities should conduct research informed by industry needs, industries should leverage research to improve productivity and competitiveness, and startups should serve as the bridge that converts ideas into market-ready solutions.
He further encouraged entrepreneurs to leverage technology to build businesses that can grow beyond local markets, explaining that innovation-driven enterprises have the power to scale rapidly, create jobs and position Kano competitively at both national and global levels. According to him, digital platforms and emerging technologies now make it easier for startups to reach wider markets and develop solutions that were previously unimaginable.
“You can start your business here in Kano, but your thinking must be global from day one. Technology has removed barriers. With the right skills and platforms, a startup in Kano can build solutions that serve not just Nigeria, but the world,” he noted.
Highlighting NITDA’s ongoing interventions, the Director General outlined the Agency’s commitment to building national innovation capacity through targeted human capital development programmes. He cited the Digital Literacy for All (DL4ALL) initiative, which aims to equip Nigerians across all segments of society with essential digital skills, and the 3 Million Technical Talents (3MTT) programme, designed to produce a pipeline of globally competitive technical professionals in areas such as software development, data analysis and emerging technologies.
He said, “Through DL4ALL, we are ensuring that Nigerians at all levels have the basic digital skills needed to participate in the digital economy, while 3MTT is deliberately building a pipeline of globally competitive technical talents who can drive innovation, create jobs and attract investment.”
He explained that these programmes are key pillars of President Bola Ahmed Tinubu’s Renewed Hope Agenda, which prioritises skills development, innovation, job creation and inclusive economic growth as pathways to national prosperity. According to him, empowering Nigerians with digital and technical skills is essential for building a resilient economy capable of competing in the global digital landscape.
“President Tinubu’s Renewed Hope Agenda is about investing in people, empowering them with relevant skills and creating opportunities for inclusive growth. At NITDA, we are using digital skills and innovation as tools to translate that vision into real economic impact for Nigerians,” he said.
Inuwa urged all stakeholders in Kano to work together to build a functional innovation ecosystem that can unlock the state’s vast potential. He expressed confidence that with the right mindset, strong collaboration and sustained investment in digital skills and innovation, Kano can reclaim its historic leadership role and emerge as a major innovation and entrepreneurship hub in Nigeria and beyond.
General News
Sterling Bank Renewable Energy Colloquium Urges Stakeholders to Unlock Nigeria’s Clean Energy Potential

Sterling Bank Limited on Monday convened stakeholders in the renewable energy industry to explore strategies for accelerating Nigeria’s transition to clean energy and boosting economic growth.

L-R: Mr. Ayo Ademilua, President, Renewable Energy Association of Nigeria; Dr. Jekwu Ozoemene, Group Executive, The Alternative Bank; Mr. Biodun Ogunleye, The Honourable Commissioner, Lagos State Ministry of Energy and Mineral Resources; Mr. Dele Faseemo, Group Executive, Coprporate and Investment Banking, Sterling Bank; Engr. Bem Samuel Anyangeuor, Representative, Honorable Minister of Power and Mr. Oluwaseyi Okunnuga, Group Head, Renewable Energy & Sustainability Finance, Sterling Bank at the just concluded Renewable Energy Colloquium held in Lagos recently.
The colloquium, themed “Beyond the Grid: Unlocking New Frontiers in Renewable Energy”, was held in Lagos and brought together policymakers, financiers, and industry leaders to deliberate on priority areas for action.
In his opening address, Managing Director and Chief Executive Officer of Sterling Bank, Mr. Abubakar Suleiman, represented by Mr. Dele Faseemo, Group Executive, Corporate and Investment Banking, said the bank would focus on regulation and financing to expand access to energy.
He noted that energy access remained critical to supporting economic growth and achieving Nigeria’s ambition of building a one trillion-dollar economy.
Delivering a keynote address titled “Scaling Electrification in Nigeria: The REA Impact”, Managing Director of the Rural Electrification Agency (REA), Dr. Abba Aliyu, represented by Mr. Abba Hayatudden, said Nigeria required about 26 billion dollars to bridge its energy deficit.
Aliyu explained that the energy transition strategy integrates grid, mini-grid and off-grid technologies to achieve universal, reliable and sustainable energy access while aligning with national development and climate goals.
Minister of Power, Mr. Adebayo Adelabu, represented by Engineer Samuel Ayangeaor, commended Sterling Bank for convening the dialogue.
He said renewable energy and rural electrification were central to the Federal Government’s Renewed Hope Agenda.
“The Ministry of Power has continued to expand electricity access to underserved communities to drive economic growth, foster industrial activity and create jobs across the nation,” Adelabu said.
Lagos State Commissioner for Energy and Mineral Resources, Mr. Biodun Ogunleye, highlighted the state’s efforts in renewable energy, including the ongoing two-gigawatt grid-scale solar project.
He described it as the most ambitious energy transformation ever undertaken by the state.
Chief Executive Officer of Sterling One Foundation, Mrs. Olapeju Ibekwe, urged participants to move beyond communiqués and act with intention to deliver meaningful impact.
The colloquium featured panel sessions on financing and scaling green energy solutions in Africa, among other discussions.
General News
Cellulant Taps Freddie Oduro to Lead Enterprise Payments Expansion in Ghana

Cellulant, a leading Pan-African payments company enabling seamless digital transactions across Africa, has appointed Mr. Freddie Oduro as its new Country Manager for Ghana.

Mr. Freddie Oduro, New Country Manager for Ghana.
Freddie’s appointment is a key step in Cellulant’s broader strategy to deepen its presence in priority markets by accelerating the acquisition of in-country enterprise businesses and strengthening its position as the payments partner of choice in Africa.
Freddie brings over a decade of commercial and strategic leadership experience in the telecommunications and financial services sectors, with expertise in sales, business operations, and market expansion.
In his new role, he will drive merchant acquisition, strengthening partnerships, oversee collections and payout operations, while ensuring strong internal controls and regulatory compliance.
He joins Cellulant from Payaza and previously served as Sales Director at Cellulant, where he helped significantly expand the company’s footprint in Ghana.
Cellulant has been powering payments in Ghana for leading brands in sectors like e-commerce, utilities, oil and gas and retail, helping them offer their customers a wide range of secure digital payment options.
“We are happy to welcome Freddie back to the Cellulant family,” says Richard Gesimba, Chief Revenue Officer at Cellulant. “Ghana remains a critical market for us, with immense potential driven by rising digital payments adoption.
“As we sharpen our focus on in-country enterprise customers, Freddie’s leadership and industry insight make him the ideal person to steer our Ghana operations.”
The appointment comes at a transformative time for the company. Following a strategic shift between late 2023 and early 2024, focused on streamlining operations, doubling down on enterprise payments, and strengthening customer intimacy, Cellulant achieved profitability in 2024 and continues to build on this momentum.
The company now processes close to 4.5 million transactions daily for businesses across Africa, reinforcing its position as a fintech leader.
“I am honoured to return to Cellulant and lead the Ghana team at such a defining moment,” says Freddie, Country Manager for Cellulant Ghana. “Ghana presents a tremendous opportunity.
“We will ramp up our efforts to sign on more local merchants, strengthen our compliance and control frameworks, and introduce innovative solutions like Tingg Edupay, our automated school fee management solution that eliminates reconciliation delays by validating payments in real time and instantly updating student accounts.
“We will build on Cellulant’s strong foundation to deliver real value, reliability, and economic impact.”
Ghana’s digital payments sector continues to grow steadily, supported by increased mobile money usage and a progressive regulatory environment. Between January and October 2025, the value of mobile money transactions hit about GH¢ 3.6 trillion, up sharply from GH¢ 2.37 trillion in the same period of 2024.
Registered mobile money accounts now exceed 79 million, demonstrating strong consumer and business confidence in digital financial services and in turn creating many opportunities for payment innovation.
This leadership appointment underscores Cellulant’s commitment to building a resilient, high-performance organisation geared towards playing a pivotal role in the next era of Africa’s digital economy.
Looking ahead to 2026, Cellulant plans to further enhance the user experience on its payment platform, Tingg, and expand its footprint across Ghana.
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