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
NOTAP to Commercialise University Research, Expands Patent Drive

National Office for Technology Acquisition and Transfer (NOTAP), has commenced the process of patenting and commercialisation of research works by universities and other research institutions in the country.

Dr. Obiageli Amadiobi, director general of NOTAP
Dr. Obiageli Amadiobi, director general of NOTAP, stated this in Abuja, during an interaction with journalists on her achievements since assuming office.
Speaking on the theme, “Strengthening Indigenous Capacity: NOTAP’s Drive for Technology Transfer, Local Content Development, and Innovative activities,” Amadiobi said the agency had involved both the academia and industry so that researchers can work on topics brought forward for commercialisation purpose.
“My minister is very intentional about this– very intentional about commercialisation of research results, which we have already submitted to him. They are meaningful researches, which we need to commercialise.
“We have established 69 intellectual property technology transfer offices in 69 universities that we are still counting. We have informed the vice chancellors of Nigerian universities to set up such offices and we will come and educate them on intellectual property and technology transfers.
“As we are doing this, we are also taking record of all the researchers of these universities and research centres and documenting them in a compendium.
“So, we have compendiums from the universities to us and we put them in a database. If you will recall, recently, the ministry, our supervising ministry, which is the Federal Ministry of Innovation, Science, and Technology, launched a programme titled Energise Commercialisation. This entirely was for commercialisation of all R&Ds,” she said.
On research Institutions carrying out research on areas of industry needs, she said, “NOTAP is bridging the gap between research and development with industry needs, “it is on our programme called the NITDF, NOTAP Industry Technology Transfer Fellowship. By this programme, we engage the universities and the industries, in what we call the triple helix. We liaise with the universities and the industries to sponsor, the industries will sponsor a Ph.D candidate in a Nigerian university to conduct relevant researches.
“They will provide the topics that they want researches for and such students will research on that with the assistance of the industries, because they wear the shoes, so they know where it pinches them. But usually, there are Ph.D candidates already established. This year alone, we certified about 15 of them to enter into this programme and they have gone into the various universities.
“And we are still looking for people to update some of the projects; the research topics we already have. But we are not getting enough persons to do the researches. So, we are going to do further advertisement to see if other candidates will come up.
E-Business
FG Unveils Digital Postcode System for MDAs

Federal government has launched a drive to standardise operations across all Ministries, Departments, and Agencies (MDAs) through the nationwide adoption of the new National Digital Alphanumeric Postcode System.

Dr Bosun Tijani, minister of Communications, Innovation and Digital Economy, launched the initiative at a high-level stakeholder workshop on Thursday in Abuja.
The conference, themed “Embedding the Nigerian Digital Postcode in Public Service Delivery,” brought together key stakeholders to discuss the adoption of the system across government institutions.
Represented by Nadungu Gagare, permanent secretary of the Ministry, declared that the initiative was a critical pillar for the country’s economic and security framework.
“The Nigerian Digital Postcode represents far more than an improvement to postal services. It is a strategic national asset. Without accurate location intelligence, governments struggle to plan effectively, emergency responders lose valuable time, and financial institutions face verification challenges,” he said.
Tijani said the Alphanumeric digital postcode system was a pathway and a defining moment for Nigeria’s digital transformation under the Renewed Hope Agenda of President Bola Tinubu.
He said an accurate national addressing system would enable government agencies to plan better, improve emergency response, support credible census and elections, expand financial inclusion and ensure citizens were not excluded from essential services because of poor location data.
The Minister commended NIPOST for leading the initiative and urged MDAs and state governments to integrate the system into their operations, stressing that its success would depend on collaboration, interoperability, and nationwide adoption.
Omotola Odeyemi, postmaster general and chief executive officer, Nigerian Postal Service (NIPOST), explained that the digital postcode system creates a “common language of location” for the entire government.
She urged federal and subnational entities to integrate the infrastructure into their daily operations to maximise its value.
“Just as digital identity has helped to establish who a citizen is, this National Digital Postcode helps us to determine where services, opportunities, and interventions should be delivered. Its success will not be measured by the number of postcodes that we generate but by the lives that we improve,” the NIPOST boss explained.
Mrs Didi Esther Walson-Jack, head of the Civil Service of the Federation, represented by Dr Abdul Sule Garba, permanent Secretary of the Service Welfare Office, pledged full administrative backing for the rollout.
She noted that the civil service would be properly equipped to adapt to the data-driven system.
“The operationalisation of the Nigerian digital postcode is a strategic initiative that has the potential to significantly improve public administration, service delivery, and digital governance across the country,” Mrs Walson-Jack added.
The workshop featured live demonstrations and technical panel sessions focused on linking the new digital postcode system directly into national healthcare, social protection, education, and electoral planning.
E-Business
Kaspersky Warns of a Large-scale Campaign using Fake Free Software to Deploy a RAT via ScreenConnect

A remote admin tool ScreenConnect is being distributed through fake websites designed to mimic the official pages of well-known software products.

In total, researchers identified more than 90 domains spanning 10 languages, including English, Arabic, Spanish, Chinese, German, Portuguese, and Russian, enabling the attackers to reach a wide range of victims worldwide. The campaign targets both individual users and organisations using Windows.
After detecting an incident through its Managed Detection and Response, Kaspersky uncovered a large-scale campaign in which attackers used fake websites to spread installer archives disguised as popular software, including OBS Studio, DNS Jumper, DS4Windows, Glary Utilities and Bandicam.
To drive traffic to these pages, the threat actor also used search engine optimisation techniques to place them high in search results.
Across more than 90 identified fraudulent software sites, the same tactic was observed: victims who downloaded what appeared to be legitimate software instead received a hidden ScreenConnect remote administration tool, which gave the attackers persistent access to compromised devices and allowed them to deploy AsyncRAT, an open-source trojan capable of giving them full control over infected systems.
Domain registrations linked to this campaign peaked in February 2026; in 2025, the same attacker had used fake websites to disguise malicious installers as games.
Infection occurs through malicious archives containing a legitimate, signed Microsoft file, install.exe, alongside the install.res.1033.dll library. The DLL is loaded onto the device via a DLL sideloading technique and deploys a ScreenConnect service that awaits further instructions from the attackers.
“The campaign targets both users downloading free utilities from the Internet and corporate networks, where remote access tools are often allowlisted and granted elevated privileges.
“Its danger lies in its potential to facilitate large-scale credential theft and unauthorised access to systems, with the stolen data typically later resold on dark web forums,” says Denis Kulik, lead SOC Analyst at Kaspersky.
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