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Operators Should be Transparent on Call Charges — Nwokike

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Nnamdi Nwokike,  executive secretary, West Africa Telecommunicat
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Nnamdi Nwokike is executive secretary, West Africa Telecommunication Regulators Assembly (Watra), an assembly of the sub–regional regulators.
A multi-tasker and a start up expert, he has varied experiences traversing economic consultancies, marketing and customer relationship management and has worked in various capacities in various places including Multiver Systems Limited, the consulting outfit that worked on the setting up of the National Planning Commission.
Nwokike made significant contribution in the fast moving consumer group industry (FMCG) while working with AG Leventis Group and Seven Up Bottling Co PLC.
Between 1987 and 2001, Nwokike worked with Nigerian Breweries Plc, first as a district sales manger, then, appointed pioneer customer service training manager in 1994.
In 1996 promoted to area sales manger Lagos, supervising a turnover of over N4billion which represented the highest contribution to the company’s performance.
He joined Nigeria Communication Commission (NCC) as a unit head officer, Consumer Affairs Bureau in 2001 and created consumer education and protection that culminated in the setting up of Telecoms Consumer Parliament in Nigeria.
With over 15 years experience in the industry, he became the head of business development in 2005, where he managed the implementation of various telecommunication projects including Nettel @ Africa, spectrum monitoring and management system.
He told Chris Alu in Abuja of efforts of the assembly in harmonizing policies in the sub-region

Watra in the Sub-Region
Watra), is an assembly of the sub–regional regulators, I mean all the ICT regulators in West Africa are members of the assembly. They came together in 2002 to form the assembly as a regional regulatory platform, where regulators can meet and discuss issues bordering on harmonization of policies. We also work towards harmonizing regulatory policies and services such as issues of roaming, seamless connectivity within the West African sub- region as well as working as at sub-regional level towards having effective and affordable ICT services.
Cross Border Connectivity
It is worthwhile calling to have cross border connectivity. I must say that the West African sub-region is not as big as United State of America including Canada in North America, if you are calling anywhere in Florida from Canada, its like a trunk call. Having such is our desire.  It is our desire is to have fibre running from Nigeria all the way to Senegal down to Mauritania, so that we can have similar activities, it is a double opportunity and as I speak, there is connectivity from Nigeria running all the way to Ghana and there are different initiatives. We have several initiatives, there is one by Ecowas in the sub-region and there are other private initiatives being undertaken, so it is a laudable project even Nigerian regulator, Nigerian Communications Commission (NCC) is also advocating for fibre across borders so that we can have a borderless ICT environment.
Consumer Advocacy
Well, to start with in my personal capacity, I started working in telecommunication through management of consumer affairs of the regulator in Nigeria. So, I have that passion, there is this in-depth passion for me to ensure that consumer has a voice in the skim of things. Having said that, I know that there is an advocacy group that is based in Cotonou, the Open Society Initiative in West Africa (Osiwa) that is trying to coordinate all the consumer activity groups within the Africa region so that they can come together and address consumer issues. I must say that it has not really been as robust as it ought to be, one of the problems or challenges they face in consumer advocacy is the issue of funding, most of these groups do not have direct funding to be able to galvanize and harness all the opportunities, but they are doing their best. We haven’t really been able to see them come up with platform where consumer interest would become a key issue within the sub region but individually, all the regulators within the sub-region have one form of consumer advocacy programme or the other, of course  you know that Nigeria have a very robust one. We have facilitated such in some countries like Gambia, Sierra Leone and Cote’d Voire to come and learn the Nigerian experience, and they are trying to replicate it which is a good development.
Regulatory Standard in West Africa
The regulatory environment in Nigeria is bright; Nigeria regulator is the foremost regulator in Africa not just in West Africa. Nigeria regulator has done well, within the last 10 years, they have set a pace in a way that if you compare the Nigeria regulator with European or American regulators, it would be at par. NCC is almost ahead of many regulators in the world, and we have also a very good regulatory environment in the sub- region, one thing we are very happy about is that all the fifteen countries in the sub- region today have independent regulators agency. The last to come up was Guinea and Benin Republic, we are very happy about that, therefore it is going to make a more pro active regulatory environment in this sub- region and Watra is very happy about it. Having said that, there are other challenges facing all the regulators, one key issues  is the issues of quality of services, we haven’t been really able to achieve quality of service to the point that consumer can go to sleep and boast of getting value for  their money. We are  not really happy about it and its something that we are battling with, and we are hopping that, with all the infrastructural challenges, if we are able to over come that, we will beat our chest to have a very good ICT environment comparable to anywhere in the world.
Low Broadband Penetration
Yes, internet penetration is low in the whole of the African continent and even more pathetic for us in West Africa. One reason why internet penetration is low is basically because of the high cost of bandwidth, and that has been a very big problem, but we are seeing some light in the horizon.  I predict that in the next 18 months, West Africa is going to see a revolution in internet access and penetration, in the sense that there are several initiative been put by operators to ensure that we have internet connectivity that would be seamless and affordable. Initiatives such as on the sub marine level, MainOne cable, Glo1cable, WACS, are on ground right now and as soon as they take off, we would have cheaper access towards getting enough and cheaper bandwidth, because bandwidth is like petrol for internet, if the bandwidth is affordable then internet penetration will be increased as well as telephony.  Nigeria has implemented a technological neutral regulation that has resulted in huge growth of GSM and CDMA based services and made diverse services available, with operators providing services from different points thereby providing choices for Nigeria consumer and wireless services delivery. Not only in mobile sector, but also in fixed wireless space. 
NCC is making effort to improve on connectivity through programmes such as the Wire Nigeria Initiative, to ensure that the country is fully connected with optics fiber cable an initiative said to have become very successful and the operators have made substantial inroad progress in connecting several cities across the country with fiber cable facilities.
Nigeria is shifting regulatory emphasis from licensing of operators to monitoring and improving quality of services and also attending to the needs of the consumers on issues of quality of services, affordability and other necessities that will become the focus of regulation in line with the dynamics of the market. We are also trying to refocus on this, in terms of structural repositioning of the regulators to delivers a good result within the ambit of time. 
Current Undersea Cable Initiatives
The issued of Infrastructure and services are different and in terms of infrastructure, I am happy with the initiatives of Glo 1 and MainOne. If these projects become live then it would facilitate a lot of services in the sub-region such that internet and telephony services will be affordable and of good quality. I wish that they move faster in their operation because the market is there, people have identified that the west African sub region is a  buoyant place that has the market for such business. I want to use this opportunity to emphasis that roaming services is a lucrative business, it is not a P.R. service to consumers, when you roam it would increase the number of sub-services that would go on to your network.
Zain came up with one network but I still have issues on how the network work, because the charges are not clearly transparent as they should be, MTN also has there regional collective network, which they are working on, Orange is another group that is also doing something about that. But it is something that they must do transparently, for instance, if I am using a Zain network and I move from here to Ghana, the charges are different and not really commensurable in the advertisement that we see they carry out. I expect them to come out transparently, so that consumers would know exactly how the one network works and believe in it, so that it would have the kind of integrity desirous of such level of services.
The business of telecom in Cape Verde a small country is worthy of emulation, they have invested a lot in infrastructure. It is one country with seamless network, there infrastructure is quite robust, but beside that every other country has there own challenges, the issue of quality services is general.
Challenges Facing Watra
For us in Watra, we don’t have all the enablement to pursue our objective, one of our key objectives is harmonization, another one is capacity building, these issues are things that borders on funding. Watra is not funded the way it should be, that would give us the edge to propagate and promote all our activities, but we are working toward that and we are working on several collaborations. A Memorandum of Understanding is set to be signed between Watra and Ecowas, the MoU would involve some level of funding and partnership between the two agencies. We are also collaborating with the German technical corporation, USAid, and these are our international partners, who are assisting us in one way or the other to help us promote the projects that we have in Watra. But, by and large we are forging ahead and the feature is quite bright for the assembly.

 


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Top Nigerian Startups Secure Funding Boost @ iHatch Demo Day Awards

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Nigeria’s startup ecosystem received a fresh injection of momentum as top emerging ventures secured funding and investor attention at the iHatch National Demo Day, where Interface Africa clinched the highest prize of $15,000.

The 4th cohort of the NITDA–JICA-backed accelerator brought together founders, policymakers, and venture stakeholders in Abuja, showcasing innovations ranging from clean-energy financing and digital food marketplaces to next-gen fintech tools.

The startups went rounds of running through state-level selections and regional competition. iHatch was established in 2021 as a strategic partnership to create an enabling environment for young Nigerians to develop and scale their innovative solutions.

The iHatch National Demo Day (4th Cohort), is an initiative by NITDA and JICA which provides a clear pathway for homegrown talent to contribute significantly to economic diversification and digital transformation.

After rigorous selection processes, the top founders converged to pitch their innovations, recognised the standout performers, which are:

Interface Africa with $15,000, the firm is driving Nigeria’s clean energy transition by enabling structured and affordable solar financing.

Ahioma with $12,000, the firm enhances food accessibility with a digital marketplace connecting consumers directly to trusted vendors.

Linia Finance with $10,000, the firm is helping Nigerians take control of their finances with tools for budgeting, tracking, and smart money planning.

Chapta got a laptop reward. They delivering an offline-capable school application ensuring consistent, accessible learning for students everywhere.

Softdrop also got a laptop reward, they solve logistics challenges through a modern delivery platform designed for speed, convenience, and efficiency.

 


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Fidelity Bank to Host Virtual Masterclass on New Tax Law

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Fidelity Bank Plc, a leading financial institution, will host a free virtual training on the Nigeria Tax Act 2025 (NTA) as part of its commitment to helping small businesses prepare for the upcoming legislation.

Fidelity Bank to Host Virtual Masterclass on New Tax Law

Fidelity Bank

The masterclass is scheduled for 10:00 AM (Nigerian time) on Friday, 12 December 2025. It will provide participants with clear insights into changes in the tax framework, the impact on income and business operations, and practical steps to avoid penalties in 2026.

Attendees will also learn strategies to stay ahead in an evolving regulatory environment.

The Nigerian government enacted major tax reforms on 26 June 2025 when President Bola Ahmed Tinubu signed four tax bills into law.

These Acts will take effect on 1 January 2026 and represent a significant overhaul of the country’s tax system.

The reforms aim to modernize and harmonize Nigeria’s tax framework, improve revenue generation, broaden the tax base, and create clearer rules for individuals, businesses, and government agencies.

“Our decision to host this masterclass reflects our commitment to empowering businesses with the right information ahead of the commencement of the new tax regime.

“Information is money and a well-informed business owner is already steps ahead in the race to success.

“This is why we are bringing experts to provide accurate details and demystify the tax act,” said Osita Ede, Divisional Head, Product Development, Fidelity Bank Plc.

Interested participants can register via https://bit.ly/2026TaxLawMasterclass .


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PalmPay MD Seeks Deeper Financial Inclusion @ CeBIH Annual Conference 2025

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L-r: Chika Reginald Nwosu, Managing Director, PalmPay; Tunde Ogundipe, Co-Founder & Chief Executive Officer, E-Doc Online; Emezino Afigbe, Head, Gender Center for Excellence, Enhancing Financial Innovation and Access (EFInA); Ronke Kuye, CeBIH Advisory Council; Dr. Badamasi Lawal, CEO National Social Investment Program; Uche Uzoebo, Chief Executive Officer, Shared Agent Network Expansion Facilities (SANEF); Dominic Wadongo, Chief Risk Officer, SmartCash Payment Service Bank, Nigeria, at the CeBIH Annual Conference recently.
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PalmPay, Nigeria’s leading digital banking platform, has renewed its commitment to deepening financial inclusion across the country. At the CeBIH Annual Conference 2025, themed “Reimagining Financial Inclusion through Cultural Shifts in Consumer Credit,” PalmPay’s Managing Director, Chika Nwosu, urged industry players to deepen financial inclusion by embracing community-aligned solutions and customer-centric innovations that can better serve Nigeria’s underserved and unbanked populations.

Speaking during a panel session titled “Social Inclusion, A Veritable Tool for Financial Inclusion,” Chika Nwosu joined other industry leaders to share insights on strengthening participation among women, rural dwellers, low-income earners, and other financially excluded groups.

Chika Nwosu highlighted PalmPay’s commitment to inclusive finance through its 500,000-strong agent network, which enables seamless cash-in/cash-out services for unbanked users across Nigeria. He also emphasised the importance of PalmPay’s USSD platform, 861#, which allows users with basic phones or limited internet access to perform essential financial transactions.

“Financial inclusion goes beyond access; it must be equitable and tailored to real-life needs,” Chika Nwosu said. He shared how PalmPay leverages behavioural insights to design impactful services, including affordable health insurance, reliable bill payments, merchant solutions, and automated savings features that support financial discipline among users.

The session further examined the role of grassroots agents and community touchpoints in driving last-mile adoption. Chika Nwosu noted that PalmPay’s widespread community presence continues to build trust and encourage excluded populations to embrace digital financial tools.

The session was moderated by Ronke Kuye of the CeBIH Advisory Council and featured representatives from E-Doc Online, SmartCash Payment Service Bank, SANEF, and EFINA.

PalmPay reaffirmed its commitment to driving accessible, secure, and inclusive financial services for all Nigerians. PalmPay is a leading digital banking platform driving financial inclusion and economic empowerment in underserved emerging markets. Through its secure, user-friendly, and inclusive suite of financial services, PalmPay empowers individuals and businesses with tools to manage and grow their money.

PalmPay offers a comprehensive range of products, including mobile payments, savings, and micro-insurance via its app and mobile money agent network.

Since launching in Nigeria in 2019 under a Mobile Money Operator license, the platform has grown to over 35 million app users. PalmPay has operations in Nigeria, Ghana, Tanzania, and Bangladesh.


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