E-Business
Savvy Spending Tips in Yuletide Season

The year has gone by and Christmas is here again. And so it’s the merry season of giving and sharing of gifts with family and friends.
Christmas is indeed the season of giving as you buy lovely gifts for loved ones and yourself. In all the excitement, it’s easy to lose track especially if you’re not following a budget for all your expenses.
As much as you want to celebrate and be jolly during this festive season, you also want to make sure you avoid that post-Christmas financial hangover.
Christmas shopping usually begins much earlier as you make plans for travel, what to purchase and so on. So it is necessary to take time to plan to ensure you spend your money wisely over the festive period.
1. Set A Budget – And Stick To It
It’s easy to get carried away buying presents, a Christmas tree, decorations and attending all the seasonal parties that are filling up your diary, but if you’re not careful you will have spent way beyond your means. The best thing to do is draw up a list of all the events you need to attend as well as a budget for all you need to buy – and stick to it.
No cheating or you’ll only get into money troubles later! Make sure you have been realistic enough in your projections and prioritize between your ‘must-do’s’ and your ‘like- to’s’.
You will then need discipline to stick to your budget through-out the season. If you use a debit card it is easier to spend within your means since each time you spend, the money is instantly drawn directly from your bank account.
Transactions on your Visa Debit card can be tracked on your card issuer’s website or over the phone and your monthly account statement will provide full details of your purchases, including merchant name, location, date and amount. Keep track of your receipts and check them against your bank statement. It pays to be organized!
2. Give The Gift Of Charity
Instead of excessively spending on each other this year, consider giving to those who may not have the means to put gifts under the tree this year.
Get family and friends to agree to make a donation to charity which ultimately buys a gift for someone in need.
3. Bag The Best Deals Online
Online shopping has got to be one of the best innovations to come along for the savvy shopper. Instead of trawling the malls for gifts in the hectic pre-Christmas shopping season, you can leisurely browse through the best deals from the comfort of your own home or office.
Coffee (and budget) in hand and with your card at the ready, you can compare prices across sites and get the best deal for that perfect gift. In fact, in a Visa survey1, 70 percent of people said that they shop online because it allows them to find and compare items easily.
A lot of online shopping sites will also offer free shipping or home delivery to try and get the edge over their competitors, so take advantage.
But don’t forget to be safe online, look for secure websites that have an address that starts with http”s” for ‘secure’.
You can also look for a padlock icon in the browser that means your payment information is protected. Some websites will also provide further protection with identity authentication services such as Verified by Visa which requires you to enter a password before you can make a purchase.
All you need to do is register your Visa card with your card-issuing bank or during the checkout process at a participating website, and then you’re good to go.
4. Book Ahead
If you are one of those who’ll be travelling a distance to visit family and friends over the festive period, reserve your flight or bus ticket online with your Visa debit card or via mobile money payment option and collect your ticket just before departing.
This not only means you have a reserved seat at a time that suits you and can enjoy a more comfortable journey, but it also means you can grab the best early-bird deals and stick to the all-important budget.
As you are monitoring your account to make sure you are sticking to your budget, you should also watch out for any unauthorized transactions and report such to your bank immediately to stay protected.
5. Try ‘Bring Your Own Food And Drink’ Parties
If you are hosting a Christmas party, why don’t you get each family member or friend to bring their favourite dish or beverage?
It gives a seasonal feeling of sharing to the occasion and creates a great deal of conversation when everyone unveils their dishes.
What’s more, not only do you save time and money, but it also means that everyone has their favourite food to eat.
6. Shopping Early Has Its Benefits
Although it may seem stressful to start holiday shopping so early, in fact, it is quite the opposite. Getting a head start on your holiday shopping can help to ease the pressure of last-minute shopping, which can force you to make unwise decisions.
It will also allow you plenty of time to find the right items at the right price. When the holidays start, you will have ample time to enjoy your family and the holiday season.
Another way to spend your Christmas together is to go out for the day – lots of places offer deals to encourage you to spend the day with them and if you are a Visa cardholder, there is usually a range of travel, shopping, dining and spa offers that you and your family may be able to enjoy.
Check with your local bank on what deals your Visa card offers you to be a savvy spender and really get the most out of your budget for the season.
Now the only thing left to do is relax in the knowledge that you are looking after your money and enjoy the festive celebrations. Merry Christmas!
Ade Ashaye is the Country Manager for Visa in West Africa
E-Business
Study Reveals 83% of Employees Stay Connected to Work During Time Off, Fuelling Digital Anxiety

A new Kaspersky survey undertaken in the Middle East, Turkiye and Africa (META) region reveals that digital anxiety is becoming a defining feature of modern work culture, as employees don’t disconnect even during their free time and vacations.

According to the findings, 83% of respondents keep an eye on work tasks outside working hours. An overwhelming 85% reply to all work-related messages in instant messaging apps, while the same share (85%) check work emails during their time off – and 81% admit they are responding to work emails while on vacation or in their personal time.
The pressure to remain constantly available is contributing to heightened stress levels in the workplace. Other sources of stress include work issues, for example, 43% experience anxiety after accidentally sending a random message to a work chat.
Interestingly, not all digital mishaps are perceived equally: 40% report that they take it calmly when they send an unfinished email, proving that some mistakes are considered less damaging than others.
Blurred boundaries between professional and personal life, combined with instant communication tools, are intensifying feelings of constant monitoring and fear of making digital errors.
More than a third (36%) of respondents say they feel extremely uncomfortable or even scared if their boss notices them scrolling through social media at work instead of working. The “always-on” culture may undermine employee well-being, increase burnout risks, and reduce overall productivity in the long term.
“Digital anxiety doesn’t just affect employee well-being – it can also increase cybersecurity risks for organisations. When people feel constant pressure to respond immediately to messages and emails, they are more likely to act impulsively, without carefully verifying links, attachments, or sender identities.
This urgency can make employees more vulnerable to phishing, and other scams using social engineering techniques,” comments Brandon Muller, Technical Expert at Kaspersky.
Kaspersky recommends employees to follow the below tips to avoid digital anxiety and associated cyber risks:
- Slow down before clicking or replying. Digital anxiety can trigger automatic reactions. A short pause to check sender details, URLs, or attachments can prevent security breaches.
- Treat urgency as a red flag. Cybercriminals often exploit pressure and fear. Always verify unexpected or urgent requests before responding.
- Avoid handling sensitive information on unsecured networks. Public Wi-Fi, often used when working outside regular hours, increases exposure to cyber threats. Mobile network and VPN should be applied in such cases.
- Use technologies that will help reduce risks. For example, Kaspersky Premium offers AI-powered anti-phishing features designed to help warn of potential threats.
Businesses can reduce cybersecurity risks related to employees’ digital anxiety by providing regular cybersecurity training that helps staff recognise threats and respond correctly even under stress.
At the same time, organisations should use robust cybersecurity solutions to minimise the impact of human error. Kaspersky Next’s adaptable and robust cloud-native protection, underpinned by an unequalled cybersecurity track record, is one of such products.
Protection solutions for mail servers, such as Kaspersky Security for Mail Server, with anti-phishing capabilities, help to additionally decrease the chance of infection through a phishing email.
E-Business
FG Approves Electric Buses for Civil Servants, Pushes Local Auto Growth

Federal Government of Nigeria has approved the acquisition of electric buses for civil servants as part of efforts to promote cleaner transportation and boost local vehicle manufacturing.

The development was disclosed in Abuja by Joseph Osanipin, Director-General of the National Automotive Design and Development Council (NADDC). Osanipin said the buses would be sourced from local assemblers to strengthen domestic production and stimulate growth in Nigeria’s automotive sector.
He stated: “The initiative is aimed at encouraging the transition to cleaner mobility while creating opportunities for local manufacturers.” According to him, the government has also procured charging infrastructure that will be deployed across parts of the country to support the adoption of electric vehicles.
As part of broader efforts to develop the sector, the council is establishing the Nnewi Automotive Development Park in Anambra State. Osanipin explained: “We are developing the Nnewi Automotive Development Park where we will provide the necessary infrastructure so that users of the park can share facilities.”
He added that the shared infrastructure model would enable investors and manufacturers to operate without bearing the full cost of setting up independent facilities. The council is also seeking additional investment to accelerate the development of the park and attract more industry participants.
Osanipin urged Nigerians to support locally assembled vehicles, noting that increased patronage would help create jobs and drive economic growth. He said the council is providing training to manufacturers and stakeholders to enhance local production of vehicle components such as batteries and tyres.
“The move will reduce import dependence, create employment opportunities, and contribute to the country’s Gross Domestic Product,” he said. The NADDC is also working with the Bank of Industry Nigeria to facilitate the disbursement of the National Automotive Development Fund to qualified stakeholders.
E-Business
Jumia Reaffirms Commitment to Consumer Trust on World Consumer Rights Day

As the global community commemorates World Consumer Rights Day, Jumia Nigeria joined industry leaders, regulators, and consumer advocates at the Lagos Marriott Hotel, Ikeja, for a high-level panel session hosted by the Lagos State Consumer Protection Agency (LASCOPA) on Tuesday, March 17, 2026.

Speaking during the session, Peters Afebuame, Group Head of Content and Production at Jumia, highlighted Jumia’s comprehensive approach to protecting consumers from counterfeit or adulterated products on its marketplace, noting that the company has implemented structured checks and technology-driven systems across the entire product lifecycle, from seller onboarding to post-listing monitoring, to safeguard product authenticity.
“Ensuring product authenticity on our platform requires a combination of technology, policy enforcement, and continuous seller engagement,” he stated.
“At Jumia Nigeria, we have implemented a multi-layered process that begins with rigorous seller onboarding and policy agreements, followed by catalogue configuration controls, AI-driven product attribute verification, and the use of global product identification standards. These systems are reinforced by ongoing quality moderation, brand protection mechanisms, and strict enforcement actions, including product and seller delisting, ensuring that customers can shop on our platform with confidence.”
Central to Jumia’s consumer protection framework is a rigorous seller verification process designed to ensure marketplace integrity. Vendors are required to provide proof of legal and regulatory compliance before gaining access to the platform. This vetting process is reinforced by a strict quality control system that monitors products listed on the platform, backed by a zero-tolerance policy toward counterfeit or substandard goods. Non-compliant sellers face penalties and permanent delisting from the marketplace.
Transparency also remains a core priority in helping customers make informed purchasing decisions. Product listings across the platform feature clear specifications, verified descriptions, and detailed images, enabling shoppers to understand exactly what they are purchasing before completing a transaction.
Recognising that digital literacy plays a critical role in online safety, Jumia continues to invest in consumer education initiatives through instructional “how-to” videos, platform guides, and social media campaigns that equip Nigerian shoppers with practical knowledge to navigate online shopping securely and confidently.
To further strengthen transaction security, Jumia leverages its proprietary payment solution, JumiaPay, which provides a secure and encrypted payment infrastructure designed to protect customer financial data. The company also adheres to internationally recognised data protection standards such as the General Data Protection Regulation (GDPR) and local regulatory frameworks established by the Nigeria Data Protection Commission (NDPC), ensuring responsible handling and protection of user information.
Beyond the point of purchase, Jumia reinforces consumer protection through a customer-centric return and refund policy designed to ensure seamless resolution when issues arise. A dedicated customer service team also provides support through multiple channels, including phone and social media, enabling swift response to consumer inquiries and complaints.
As e-commerce continues to expand across Nigeria, Jumia reaffirmed its commitment to building a marketplace that prioritises fairness, transparency, and consumer safety. Through continuous investment in technology, strong policy enforcement, and ongoing consumer engagement, the company aims to strengthen trust and confidence in Nigeria’s growing digital commerce ecosystem.
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