Banks and telecommunications operators in Nigeria have ended a four-year dispute over nearly N300bn owed for Unstructured Supplementary Service Data services (USSD), with the debt now fully cleared, according to Association of Licensed Telecommunications Operators of Nigeria (ALTON).

Gbenga Adebayo, chairman, announced the resolution on Thursday during an official visit to Idris Olorunnimbe, chairman, Nigerian Communications Commission (NCC).

He credited the intervention of the NCC, led by Dr Aminu Maida, executive vice chairman of the commission, with bringing the long-standing dispute to a close.

“When Dr Maida assumed office, he inherited significant industry challenges,” Adebayo said.

“One of the most difficult was the USSD debt crisis, a debt burden that grew over four years to nearly N300bn. It had become a systemic risk to our sector and the digital financial ecosystem.

Through firm leadership, structured engagement, and decisive coordination, Dr Maida and his team resolved this issue.

Today, there is no outstanding USSD debt. The ecosystem has fully migrated to end-user billing. What was once a looming crisis has been converted into a sustainable framework.”

The clearing of the debt ends years of accusations and counter-accusations between banks and telecom operators, which had threatened the stability of digital financial services in the country.

Adebayo praised the NCC’s leadership for steering the telecom sector through one of its most delicate periods, noting other interventions, including last year’s approval of a 50 per cent USSD tariff.

He described the resolution of the debt crisis as a milestone for the telecom and digital finance ecosystem, ensuring sustainability and predictability for operators and service providers.

Nigeria’s telco and bank billing for USSD services transitioned to the end-user billing model in mid-2025, moving charges from bank accounts to customers’ mobile airtime, which is deducted directly by telecom operators.

This shift resolved the long-standing dispute in which banks owed operators up to N300bn in unpaid USSD fees.

The transition arose from years of tension between telecom operators, including MTN and Airtel, and banks over USSD revenue sharing, with debts peaking at N250–300bn by 2024.

The NCC, in collaboration with the Central Bank of Nigeria, developed the EUB framework to standardise billing, enhance transparency, and support financial inclusion for unbanked users who rely heavily on USSD codes.

Under the EUB system, charges are now deducted directly from mobile airtime at N6.98 per session lasting up to 120 seconds, with user consent prompts issued before each deduction. Banks no longer bill for USSD services; telcos handle them exclusively, with regulatory safeguards preventing double-billing. Users can opt in or out of the service, and banks are required to notify customers in advance of any USSD session charges.

Migration to the EUB model began between June 3 and 18, 2025, following partial debt repayments amounting to N171bn. By February 19, 2026, banks had fully cleared the remaining debt, solidifying the EUB rollout.

The model improves user control through immediate airtime deductions and session notifications, similar to voice and SMS billing. While some critics have expressed concern over potential burdens on low-income users, the transition strengthens telecom revenue sustainability and contributes to the stability of Nigeria’s digital financial ecosystem.

Credit: Punch

Nigerian Communications Commission (NCC) is considering imposing sanction on any road contractor that destroys telecommunications metro fibre across the country.

Idris Olorunnimbe, chairman, Board of Commissioners, NCC, stated this at congratulatory visit to the Chairman by members of Association of Licensed Telecommunications Operators of Nigeria (ALTON) in Lagos yesterday.

According to him, “I think what we need to do to address the damage of metro fibre by government contractors is simply. He who cuts It must fix it, and we’ll take this message to our state governments.

If any contractor knows that if they damage that critical national infrastructure, their work is going to stop and they are going to be the ones to fix it, they will not destroy it.

Responding, Engr. Gbenga Adebayo, chairman, Association of Licensed Telecommunications Operators of Nigeria (ALTON), said up until now, there are no consequences for those infractions, and if there are no consequences, the tendency to continue to do bad is very high.

“Contractors of government carrying out roadworks, whether road maintenance or road expansion, and their machines destroy communications super highway at will, if there are consequences, or if there were consequences some of those actions will not have escalated to the level that we are in.

“What the chairman has said today is very important, if you destroy it you fix it. What we are expecting now is that the consequence of managing those problems will be a lot more, and there will be legal deterrent for people from destroying operators’ fibre. I must emphasize the communication super highway. That’s the highway by which all the signals are carried.

“When this highway is broken, it’s like you have a major bridge that’s broken. You can’t reach east, neither can you reach west. And until we take it as the major super communications highway and so protective, we will continue to be where we are.

“That’s actually what it is. When this highway is broken, we are all affected. So, it’s no longer an infrastructure that is for operators, but it belongs to all of us. If I don’t have service on my phone, some of these are the consequence of this violation that we are seeing.

Earlier in his welcome address, Engr. Adebayo highlighted some of the key challenges in the sector which includes: Daily fibre cuts — often caused by federal and state road construction contractors — are creating enormous economic losses.

• Nationwide service disruptions
• Destruction of critical digital infrastructure
• Loss of assets without compensation
• Banking, education, and security interruptions

There is currently insufficient institutional recourse for operators when these damages occur. A structured pre-construction fibre mapping and mandatory coordination framework is urgently required.

Key Regulatory Priorities for Sector Stability

1. Independence of the Regulator

He said regulatory independence ensures:

• Credible oversight
• Investor confidence
• Transparent decision-making
• Long-term sector stability

Independence must not only exist in law — it must be visible in practice.

“We recommend: Legislative reinforcement explicitly affirming NCC independence

• Clear codification of interaction boundaries between the regulator and supervising authorities
• Operational safeguards insulating regulatory processes from undue influence

Multiple Regulation

Overlapping regulatory interventions by various MDAs on matters already within NCC jurisdiction create:

• Duplicative investigations
• Conflicting directives
• Increased compliance costs
• Regulatory uncertainty

“We recommend structured inter-agency coordination frameworks and legislative clarification reaffirming NCC’s exclusive jurisdiction over telecommunications matters.

Multiple Taxation

Adebayo stated that operators continue to face excessive sub-national taxes and levies.

Enforcement tactics such as site shutdowns directly affect Quality of Service and national connectivity.

A harmonized national telecom taxation framework is essential for broadband expansion and digital inclusion.

Google has launched Lyria 3, its advanced generative music model, in the Gemini app, enabling users to create 30-second tracks from text prompts or images.

Lyria 3 Model

Senior Product Managers Joël Yawili and Myriam Hamed Torres announced the feature, which generates lyrics, styles, vocals, and tempos based on descriptions like “a fun afrobeat track about childhood memories of home-cooked plantains.”

Key upgrades include auto-generated lyrics, user control over elements, and more realistic, complex audio.

Usage Options

• Text-to-track: Prompt genres, moods, or memories, e.g., “nostalgic afrobeat for my mother’s plantain meals with African vibe.”

• Image/video-to-track: Upload photos/videos for mood-matched songs, e.g., “track about my dog on a hike.”

Tracks include custom Nano Banana cover art for easy sharing. Available for users 18+ in English, German, Spanish, French, Hindi, Japanese, Korean, Portuguese; Google AI subscribers get higher limits.

Verification and Responsibility

All outputs embed SynthID watermark; users can verify uploaded audio for Google AI origin.

Developed with music community input since 2023, Lyria 3 avoids mimicking artists—prompts inspire style only—with filters, reporting, and policy enforcement against IP violations.

Also enhances YouTube Shorts soundtracks via Dream Track for creators.

Access at gemini.google.com.