General News
Policy Implementation Hinders Broadband Revolution – Adebayo

Gbenga Adebayo, chairman, Association of Licensed Telecommunications Operators of Nigeria (ALTON) and managing director of Communications Network Support Services Limited (CNSSL) a Business Process Outsourcing (BPO), operator in the telecommunications sector is a thoroughbred telecom engineer.
His career started from Siemens Germany where he spent 19 years before relocating to the country to assume the post of General Manager of VGC Communications.
When the Company was bought by MTN Nigeria, he founded CNSSL to support services to telecommunications operators which also included Call Centre management.
Adebayo spoke to chike onwuegbuchi on issues around quality of service and BPO operation in the country.
Quality of Service, Regulations and Protection of Telecom Infrastructure
The industry has done well. In particular, when we look at the service provision and the value the industry has brought to the ecosystem, it has done fairly-well.
Looking at job creation and employment opportunities, supports to small and medium enterprises and to other sectors of the economy, contribution to the GDP and FDI, the telecom sector is the best thing that has happened to Nigeria.
The telecom is in the forefront of taking Nigeria to the group of industrialized nations as we work towards vision 20:2020. In summary, the industry will continue to do well in-spite of the local challenges.
The industry is one of the few in the country that have brought value to the socio-economic development.
States Hostile to Providers in Terms of Regulations
There are few States that are in exception of being hostile to telecom operators. Majority of them, from the South to East, West and North; it is basically the same thing. Few are in exception, for example Lagos.
The Governor has shown some good examples that others should emulate. It is not just by reducing the charges on Right of Way (RoW) approval.
In the area of providing the enabling environment that operators require to deploy critical infrastructure, the State leads.
Also, there are efforts by the State Government to protect telecom infrastructure which is well commended. So, with the exception of Lagos, Edo and Kwara, others have not joined the trend of telecom revolution.
I put it that way, because once you allow telecom to blossom you have activated that economy. Meanwhile, it behooves on us, the operators to win the interests of those States that are hostile, but they have to show the desire.
They need to see the future socio-economic benefits of telecom more than the immediate internally generated revenue in telecom provisions. Therefore, there should be continuous engagement.
I am glad the Minister of Communications Technology has ignited the drive towards declaring telecom infrastructure as critical public assets; her efforts at the Federal Executive Council that led to the constituting of the National Broadband Council which comprises of all State Commissioners related to ICT, and so many other initiatives is commendable.
I am hoping that we will start reaping from the efforts that were made in 2013 and years ago. Lagos is a very good testimony and I am hoping we will have more of such within the first and second quarter of 2014.
Sanctions to Soften Hostile States
I think sanctions do not often help. We are engaging stakeholders at all levels. We have held meetings with different States to discuss some issues they raise concerning our members. But when all efforts made through dialogue are rebuffed, we will have no choice than to consider other alternatives.
And such alternative will be to accept whatever it is that will protect investments in this sector. Against that, we will clave our regulator to approve for us discriminative tariff in such that in States where there are higher costs of business we will have no choice than transfer the huge costs to the consumer.
It may lead to regime that when you make a call from State “A” tariff will stand at X and when it is from another location it switches to Y. Nevertheless, I am hoping that we will not get to that level. I have confidence in the commitments of various stakeholders to address the situation; and together we can move the industry forward.
It will push the economy higher as well, because we are not yet there. Next revolution is broadband, which is an enabler of trade more than the voice services.
If we are to achieve the level of broadband provision to move our economy forward, then, we must remove all the barriers to network operations and maintenance.
Fast-tracking Broadband Revolution
One thing I have discovered is that we are good at identifying issues relating to broadband. But we are not good at proffering solutions to problems associated with the processes. It is not just in telecoms that this kind of attitude is obvious in our economy.
We know what the problems are, but instead of taking responsibility and dealing with the issues, remove the barriers and move; we tend to prefer to apportion blames.
Therefore, in the next dispensation and for us to be where we ought to be and have a driver for broadband, we need to take individual and collective responsibilities.
The era of apportioning blames should be over. In fact, NCC coming to blame operators and other regulators and counter blames from different quarters must stop. Every stakeholder must take responsibility.
It is an industry battle whereby we need collaborate to make the impact; both at the regulators level, communications, planning and approval, each one must take responsibility. The era of penalties and threats should be over.
Without that, I am afraid, it will be very difficult to achieve. I have been privileged to be a member of one of the broadband policy implementation councils and have seen the excellent work done by the Committee. But the implementation will pose its own challenges, unless we come together.
We should continue to remind ourselves that against wide held opinion, telecom is beyond the quality of service (QoS). Today, the industry is being assessed only from the trend of QoS. We are beginning to forget, and very quickly too, other benefits accruable in telecom operations which job creation, telecom as the driver of other industries, etc.
The banking sector in Nigeria, today, is reported to be one of the best in Africa. This success is traceable to the support and services provided by the telecom industry.
In summation, the benefits accruable in the industry are far beyond the issues we are focusing on presently.
As players, we will continue to improve on technology, although environmental factors are more of the challenges that we face.
Regulations and policies need to take cognizance of the challenges. And if the regulators will not take responsibility, go to town to feel the pulse of the industry they regulate, then we are in for a battle.
Extending BPO Call Centers to Other Sectors
We need to begin to see the benefits. Business Process Outsourcing (BPO) saves companies costs and turns them to be more efficient. It helps in reducing overhead costs for companies; they can give a portion of that aspect of their business to the third party.
And I think we have to start developing the confidence in that regards, which is about adopting the trend.
Such business was mainly carried out by the Indians, China and rest of them, but our people have started developing in such business area.
And Nigeria is seen as the next destination for the infrastructure, due to our level of education, population and most importantly, the benefits that telecoms have afford to businesses in BPO to thrive.
Without that the companies wouldn’t come in. in fact, you wouldn’t see their representatives or connect to them in far- away Europe and other parts of the world.
As players in that areas, we need to create awareness, while encouraging other sectors like banking and finance, aviation to embrace it.
And even the government is in need of contact; government can’t be the ‘be-all’ and ‘do-all’.
If they can provide an enabling environment, restoring confidence to what we do, it can make us (the industry) attractive. There are companies willing and across the world, they will come in.
Poor Welfare Package for Staff Among Some BPO Operators
In that regards, we need to encourage indigenous companies. I am glad that you have mentioned that the dominate players which are not local companies are the ones found wanting.
The indigenous companies are doing better and we will continue to do better hence we understand Nigeria’s socio-cultural environment.
We also understand the economic implications. Again, one factor that users will consider is the governance structure.
It’s not enough to identify these bad practices, but there should be need to fix the challenges confronting employees. However, among those socio-economic issues, there are things we can look at as the industry grows.
Telecom Services in the North-East
We are thankful to the government for the maintained efforts to curtail the insurgencies in the North-East.
Permit me to re-state our call for first line declaration for the protection of the telecom infrastructure after the incidents we had in the past years. It is an ongoing things; we are working with all stakeholders to ensure there is no part of the country that is not connected or remains out of service.
We are hoping that as the general situation improves in those areas, so also will telecom services will improve.
What is important is that we are working with the stakeholders. The speed of work will be determined by and considered by the various stakeholders.
We are cooperating with everyone. As an industry, we would like to have every part of the country connected or covered.
It is not in our interest that those things have happened; we wish that such experience does not repeat in our country.
We assure the public that we are doing the needful by working with the government and other Agencies to achieve the best for the whole country.
General News
Top Nigerian Startups Secure Funding Boost @ iHatch Demo Day Awards

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.
General News
Fidelity Bank to Host Virtual Masterclass on New Tax Law

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
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 .
General News
PalmPay MD Seeks Deeper Financial Inclusion @ CeBIH Annual Conference 2025

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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