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People Carry Cash as Back-up Plan- Akpan

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Iniabasi Akpan, is the managing director of SoftWorks Limited, software technology solutions company. SoftWorks was carved out of iTECO (Nigeria) Limted, a company owned and managed by highly qualified professional engineers and specialists with several years of training and experience both in Nigeria and abroad. Akpan has 19 years experience in the ICT industry and has worked in the many institutions. He spoke to chike onwuegbuchi and funmi ilesanmi

SoftWorks e-Payment Solutions
I would say we are a nitch player in the market currently. We focus on e-payment which is one of the areas we play; we offer smart office solutions and also look into business transactions.
We also install Automated Teller Machine (ATM) hardware as well as provide services and support around hardware which includes applications.
Fraud in the System
One thing we must understand about chip and pin is that it has added security feature which makes it difficult to clone ATM cards and protect it against the use of such cards for any transaction. It is not easy to scheme. So, it prevents someone from actually producing one because of the added security feature.
More so, looking at the rate of scheming today, magnetic stripe always has issues with scheming, so people can clone the card and use it. That is one of the distinguishing factors between magnetic stripe and chip and pin cards.
Deploying Deposit ATM Cards
We are currently in talks with a couple of banks and also looking at opportunities to deploy such models of ATMs.
Deposit ATMs can improve efficiency, such that someone can go to the bank over the weekend and make a deposit of his cheque. Do not forget that depositing a cheque involves quite a number of processes, those processes have to be part of the entire solution of deploying a cheque deposit or cash deposit ATM. These are the issues that need to be address, it is not just the hardware but the processes associated. What happens after someone makes a deposit of a cheque? Normally at the counter you have to post it into a banking system; now that cheque has to go through an alternate process when taken in through a machine. There are still processes to be sorted out before you can consider deploying one.
Normally there are human interventions, now you are saying a machine should take the place of humans. You can deploy cheque deposits in two models, either through a completely automated process, which means you will require the service of an expert to complete the entire process knowing that when you receive a cheque, it still has to go through a clearing system. For now, I think what is most acceptable is to receive the image of that particular cheque. Today, we still need the physical copy of the cheque for clearing process to be completed, maybe a bank can receive a cheque within its own bank through the machine, but if it’s interbank it might be a bit more complex. You can go through a completely automated process if it is intra-bank cheque. But, for inter-bank it would take a longer time because the infrastructure is yet to be put in place.
Virtualization and Efficiency of Enterprise Management
Virtualization is just a broad term, which means to improve portability, manageability and compatibility. I think that efficiency is what virtualization is trying to achieve for computing resources. Narrowing it down to applications, it makes hosting applications effectively on a foreign or an incompatible hardware that makes it possible to roll out those applications.
From a more central perspective, I can have fewer servers, consolidate all applications on a server and get people to access them.
Virtualization in the Telecom Industry
The telcos rely a lot on their infrastructure and managing the infrastructure is difficult. The best thing is to virtualize the applications that people have to access remotely in order to make it more efficient even for management purposes.
Relationship with Swift
We are the only service partner with Swift and has been together for nine years. Swift means Society for Worldwide Interbank Financial Telecommunication, they provide financial messaging platform for interbank correspondent. If you need to do a transfer in foreign or local currency, it is a platform to make transfers. A number of banks have their own infrastructure but every bank is a member of Swift because it is more like a cooperative, owned by banks. It is a platform of messaging for correspondent banks to credit accounts.
SoftWorks Service Bureau
Our service bureau provides service base model for banks which is like the Swift gateway for members of Swift to connect and send messages to one another. We are basically connected to the Swift network and have people who want to reduce cost and alternatively want to use it as a disaster recovery system. Institutions leverage on our infrastructure to accomplish this, because looking at the path of upgrade, managing the infrastructure is expensive so sharing makes it easy for everyone.
Unified Communications
Unified communication is bringing together the various communications channels to improve the productivity of the office worker. It means streamlining communications channels such as emails, fax, phones, voice and video. Communication has to be managed over these separate channels for it not to have a negative impact on productivity.
What should be done is to integrate all the PCs together in such a way that a person is more effective. You can send a fax to me and I receive it in my email even if you left a voicemail on my phone, I can get it on my email. That makes it possible to work securely anywhere, anytime with ease.
In the area of reducing cost, if you take the various relevant solutions for unified communications, I would say it reduces the cost of traveling and training because if I can conference with people across the country, that reduces my cost rather than people traveling by air to venue of a meeting.
Quality of Connectivity   
Times are changing, in the past it would have been difficult but now there are several options to get connected. It is not only on the internet, it is also about integrated system. We need to have the right knowledge, the right capability and the right partner to work with to implement unified communications wholistically. There are various channels and a specialist at voice and may not be specialized in other aspects.
Encouraging the Use Other e-Payment Channels
People carry cash as a back up plan because they are not sure what the encounter would be with the system. If the systems are reliable, people would be more comfortable using it. So it is about reliability and providing additional services and solutions on those touch points, these are the things that thrives usage.
Improved reliability of the systems
To a degree, it is more related to network connectivity because managing offsite is a bit more difficult than managing onsite. If you are to put touch points offsite, you need to have the appropriate system to support it. Getting to an offsite location is more difficult unlike when it is within the branch where you can easily access it to resolve problems. When a site is offsite, you need a good managing system to know where the devices are and what the state of those devices are, which is a part of improving reliability.
Challenges of using Indigenous Banking Applications
I would say it is a slim chance for now. Most banks want tried and tested systems because banking is about service. You would not like the system to break down or having issues especially when you are serving your customers. Banks naturally flow with tried and tested systems rather than gambling, for now I think it will take several years for it to happen. We still need to play a catch-up on best practices and standards.
It will take several years to build robust software that will erase the current challenges faced by banks today. I am sure India did not start yesterday, to be practical, if it does happen it will take several years.
SoftWorks Smart Office Solution
SoftWorks smart office solution improves the productivity of the average office worker. Today, people not only want to work in a smart way, they want to work with ease and minimal supervision. The fact is that to make this possible, you need to have the appropriate solutions. You have to prevent security breaches because breaches affect productivity. If a virus attack someone’s network the whole system is shut down resulting in down time. Some of the components of our smart office solution enhances the productivity of the office worker in a way that down time is reduced, security breaches are minimized, eradicate abuse and unknown system usage.
Imagine the tons of time that is lost to surfing on CNN in a whole day rendering the office worker unproductive. It is not that surfing on CNN is bad but when the whole day is lost to browsing. We want to make it possible for people to work with ease any day, anywhere, anytime.
Subscribing to Smart Office Solution
It is a solution that is implemented according to the need of the customer, so it has to be tailored to the customer’s specific needs. We ask a few pointed questions which determine how the solution will be implemented.


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Activist Warns against Rising Junk Food Culture in Nigeria

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Nnimmo Bassey, environmental activist and food sovereignty advocate has raised concerns over the growing influence of junk food culture and global food politics on Nigeria’s food systems.

Activist Warns against Rising Junk Food Culture in Nigeria

Nnimmo Bassey, environmental activist

Bassey warned that the increasing consumption of highly processed foods poses serious risks to public health, cultural identity, and national food security.

He made these remarks on Thursday while speaking at the Sustain-Ability Academy lecture on Food, Power and the  Politics of Hunger, organised by the Health of Mother Earth Foundation in collaboration with the University of Port Harcourt.

“Food is not just for sustenance; it is central to our identity, our relationships, and our traditions,” he said.

He explained that traditional diets reflect the diversity of Nigeria’s ethnic groups and have historically fostered unity within communities.

Bassey traced the evolution of food systems in Nigeria, highlighting how colonialism, commerce, and conflict have reshaped local diets.

He referenced the Nigerian Civil War as a turning point when food was weaponized, leading to widespread malnutrition and long-term dietary changes, particularly in the Eastern region.

The activist criticized the rapid rise of fast food consumption, describing it as a product of modern society’s demand for instant gratification.

According to him, fast food outlets use sensory stimulation, bright lighting, loud music, and constant visual entertainment to distract consumers from questioning the nutritional value of what they eat.

“People leave with more than just a full stomach, they carry heavy metals, artificial colourings, and harmful substances in their bodies,” he said.

Bassey also expressed alarm over the increasing presence of genetically modified organisms (GMOs) in Nigeria’s food system.

He argued that such products, often introduced without sufficient scrutiny, could have long-term health and environmental consequences.

He further cautioned against the role of political leaders in normalizing unhealthy consumption patterns.

“When top politicians publicly consume junk food and sugary drinks, they send a dangerous message that such habits are acceptable or even desirable,” he said.

At the heart of his argument is what he described as “food colonialism” a system driven by global power dynamics, where economic pressures, debt, and cultural influence shape local food choices to benefit multinational corporations at the expense of local farmers.

Bassey called for a “decolonization” of food systems across Africa, urging governments and citizens to prioritize indigenous foods, protect seed-sharing traditions, and resist policies that undermine local agricultural practices.

He also challenged prevailing narratives around hunger, questioning whether food insecurity is truly a result of low productivity.

“In countries like Nigeria, nearly half of all food produced goes to waste. The issue is not just production, but distribution, policy, and power,” he explained.

The session concluded with a call for urgent reforms to ensure fairness, resilience, and sustainability in food systems, with a focus on supporting smallholder farmers and addressing the structural causes of hunger.


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Gartner Forecasts Surge in AI-powered Public Services

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At least 80% of governments will deploy artificial intelligence (AI) agents to automate routine decision-making, enhancing efficiency and service delivery by 2028.

This is according to market research firm Gartner, which highlights a growing shift toward digital governance, where AI-powered systems will increasingly handle repetitive administrative tasks, such as processing applications, managing public records and responding to citizen queries.

“Government chief information officers are under growing pressure to embed AI into decision-making capabilities rapidly and responsibly,” says Daniel Nieto, senior director analyst at Gartner. “The rise of multimodal AI, alongside conversational and agentic systems, has expanded what public organisations can automate, understand and anticipate.”

The Gartner report comes as South Africa is moving to embed AI into public administration, with early use cases emerging across service delivery, disaster response and internal operations, even as full-scale deployment of autonomous “AI agents” remains some years away.

The country’s National AI Policy Framework, released in 2024, has set the direction for adoption, with a comprehensive national policy expected by 2027.

Implementation is likely to follow from 2027 onwards, positioning the country for a more structured and regulated rollout of advanced AI systems across departments.

While South Africa has yet to deploy AI agents at scale, government and research initiatives indicate that agent-like systems are already taking shape.

Global use cases

Globally, governments are rapidly deploying AI agents to automate public services and internal operations, shifting from simple chatbots to systems that can execute tasks and coordinate workflows.

In the US, federal and city agencies are using AI agents to handle citizen queries, draft documents and manage call centres, while in China, autonomous systems are being integrated into administrative processes and urban management.

European governments are piloting AI-driven tools in policing and public service delivery, and in emerging markets, agentic platforms are being used to improve disaster response, financial inclusion and digital identity systems.

However, Gartner notes that fragmentation is one of the most persistent barriers to AI value in government.

According to a Gartner survey of 138 respondents from government organisations worldwide between July and September 2025, 41% of respondents cited siloed strategies and 31% cited legacy systems as key challenges to adopting and implementing digital solutions.

“Technology modernisation alone has not resolved these issues,” says Nieto.

The market analyst firm says as AI transitions from experimentation to being deeply embedded in decision-making, governance approaches must also evolve. It points out that traditionally, AI governance has centred on managing models, data and algorithms.

However, it states that decision intelligence (DI) shifts this focus towards the governance of decisions themselves; for example, on how they are designed, executed, monitored and audited. This shift in governance is especially critical in government, where public legitimacy relies on transparency and fairness, the firm explains.

Measurable impact

The Gartner survey found that 39% of respondents cited improved service and citizen satisfaction as primary reasons to invest in building citizen trust.

The firm notes that DI offers a structural foundation for operationalising this trust by making decision pathways explicit and auditable.

“By governing decisions, rather than just isolated AI components, governments can better balance automation with human judgement, particularly in high-stakes or rights-impacting contexts,” says Nieto. “Regulated industries and governments cannot rely on opaque ‘black box’ systems for consequential decisions. DI elevates explainability from a technical requirement to a governance imperative.”

Because of the need for transparency in decision-making, Gartner predicts that by 2029, 70% of government agencies will require explainable AI (XAI) and human-in-the-loop (HITL) mechanisms for all automated decisions that impact citizen service delivery.

Gartner explains that XAI and HITL designs are foundational to public-sector DI. These mechanisms ensure decision logic can be inspected, explained and challenged. Because of XAI and HITL, humans also retain authority over exceptions, appeals and high-risk cases, and accountability is preserved even as automation increases, it adds.

While efficiency remains important, Gartner says citizen trust in government’s ability to provide effective services is becoming a key driver of digital transformation. Fifty percent of government respondents cited improved citizen experience as one of their top three priorities.

“As AI and decision intelligence increasingly automate and streamline service delivery, the traditional notion of ‘citizen experience’ evolves,” says Nieto.

“When citizens receive what they need from the government automatically, direct interactions may decrease, making trust in the system’s reliability, fairness and transparency even more critical. Because trust is so imperative in these situations, the predictive capacity to anticipate potential needs could reshape how government digital services are delivered.”

 


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Telegram’s Massive Crackdown Fails to Curb Cybercrime Hubs

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Telegram has unleashed its most sweeping enforcement campaign yet in 2026, deleting millions of illicit channels and groups while boosting daily takedowns from 10,000 to 140,000—with peaks surging past 500,000 in a single day—yet cybercriminal ecosystems remain stubbornly resilient, rapidly reorganising and exploiting the platform’s scale to sustain operations undeterred.

Telegram’s Massive Crackdown Fails to Curb Cybercrime Hubs

Telegram

The paradox is stark: despite blocking over 43.5 million channels in 2025 alone and achieving record transparency in moderation reports, the threat landscape shows no contraction, as fraudsters deploy sophisticated evasion tactics like pre-built backup channels, “Request to Join” gating to thwart bots, bio disclaimers tagging Telegram leadership for plausible deniability, and floods of forwarded messages that preserve criminal knowledge even after originals vanish.

Check Point Exposure Management data reveals 20 percent of removals targeted business-impacting crimes—carding, Fullz trading, hacking services—with communities often reloading audiences instantly from preloaded backups, ensuring operational continuity amid the friction.

For Nigeria, home to Africa’s largest Telegram user base of eight million aged 16-64 per Statista, the stakes are acute: the platform dominates crypto trading, mining schemes, online betting, and gambling hubs, leaving traders, youth, and startups vulnerable to scams that evolve faster than platform defenses.

Kingsley Oseghale, Check Point Software Technologies’ West Africa country manager, warns that “enforcement is real and growing, but criminals adapt quicker—security teams must hunt entire networks, not just channels, via continuous exposure management to dismantle operations at the root.”

Migration to rivals like Discord (just 6% of underground invite links), Signal, SimpleX, or Matrix remains negligible—3 million Telegram invites circulated underground in three months alone—proving its 800 million users, speed, anonymity, and network effects keep it the premier broadcast, recruitment, and marketplace layer, even as high-profile groups like AKULA tested alternatives before reverting.

Spikes in forwarded content during February-April 2025 peaks extended fraud data lifecycles, mirroring broader cybercrime redundancy where attackers assume disruption and build in failover.

This persistence demands proactive vigilance: SOC teams ignoring Telegram risk blind spots in brand protection and threat detection, as evasion now standardises across underground forums—underscoring that while Telegram’s crackdown marks progress, true eradication hinges on intelligence beyond takedowns.


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