E-Business
Spectrum – Oxygen of A Digital World

The internet in such a short time has become the most pervasive communication system in the world. Digital statistics show that whilst it took Radio 38 years and TV 13 years to individually reach 50 million users; it took the Internet only 4 years.
Even though the world is increasingly interconnected through mobile, high-speed communications, two thirds of the world’s population have yet to gain access to the Internet (UN Millennium Goals, 2012 Update Report).
Also not debatable is the economic and social impact of the internet.
A study by the World Bank revealed that a 10% increase in broadband penetration can boost the GDP growth of low- and middle-income developing countries by 1.38% — more than any other telecommunication service.
Over the last 20 years, the Internet and the Web have transformed our lives.
Looking forward, we are seeing even more exciting digital developments that will provide more benefits to more people in more places.
Some of the unprecedented opportunities that broadband connectivity presents include:
Citizen – get information/work done anywhere and anytime, also having newer ways for communicating, contributing, acting, and learning.
Businesses – News ways to serve clients and new competitive advantages, new ways to be more productive.
Innovators – New market segments, geographies, business opportunities, and competitiveness regardless of size.
Government – News ways to serve citizens and businesses, address core societal issues (Education, Healthcare, Environment etcetera), and provide Infrastructure for innovation/research leading to creation of more jobs (SMEs)
The internet has become so central to our existence in this age that the UN, defined access to the Internet as now among one of global citizens’ most basic rights.
The European Commission’s Digital Agenda goes one step further by similarly highlighting broadband access as a basic right.
Invariably connectivity (interchangeably here Spectrum) is essential in the same sense as oxygen: invisible and unnoticed, until you don’t have it (and by then you are dead).
It is therefore sad that today most of the world’s population is unconnected.
The International Telecommunications Union (ITU) estimates that for over 3.9 billion people, around 61% of the world’s population, the price of fixed broadband is unaffordable.
By continent this ranges from 8% of the population of Europe, to 90% of the population of Africa.
Likewise, basic mobile broadband is unaffordable for over 2.6 billion of the world’s population.
On the flip side the need for persistent connectivity is fueling innovation and consequentially proliferation of devices – it is expected that by 2020 there will be more than 100 billion connected intelligent devices globally.
And of course the vast majority of this connection is relying on wireless technologies and the currency of the wireless industry is Spectrum; literally the oxygen of the digital world.
Spectrum describes the range of frequencies, which wireless devices can use to transmit and receive information.
In order to manage access to spectrum, regulators allocate different bands of frequencies for different uses and establish technical rules to minimize the likelihood of harmful interference. Some bands of spectrum are licensed for the exclusive use of certain entities and specified purposes.
These include uses as varied as military and public safety purposes as well as commercial applications such as radio, television and broadband Internet.
Other bands are set aside for shared use on an unlicensed or license-exempt basis. Common uses of unlicensed or license-exempt spectrum today are Wi-Fi networks and Bluetooth devices.
It is relevant to note that historically, spectrum was managed by assigning exclusive rights to use a specific frequency in a specific location.
Initially, these authorizations were granted to governmental and commercial users at no cost. Since last two decades however, long term commercial licenses have generally been assigned through competitive auctions.
Winning bidders typically receive spectrum access in the form of exclusive assignments of frequencies to chosen services (i.e., licenses), ensuring that no other services infringe on that assignment (i.e., no interference).
Obviously limited by technology signal interference were considered a major problem of spectrum which ultimately drove the way spectrum management were therefore conceptualize, create blocks of delineated bands that guarantees exclusive use and protection of licensees’ signals.
The problem however is that this traditional licensing model of spectrum bands has limited the amount of usable spectrum for wireless data communications, particularly as the demand for data, voice, and video traffic continues to explode on Internet enabled mobile devices.
To obtain more spectrum for these applications, regulators around the world are considering proposals to assign more spectrum for exclusive use licensing.
However, nearly all the RF spectrum is allocated for specific applications, making reallocation of exclusive use licenses extremely challenging and time consuming.
In reality, large portions of the allocated spectrum are not actively used in space and time.
To alleviate this disparity in spectrum use, researchers and policy makers have proposed the concept of Dynamic Spectrum Access (DSA), allowing devices to use unoccupied portions of spectrum without interfering with the licensee’s transmissions
Dynamic Spectrum Access (DSA) is an umbrella term used to describe a set of technologies and techniques enabling radio communications devices to opportunistically transmit on available radio spectrum.
These technologies and techniques ensure that consumers and their devices have wireless bandwidth when and where they need it.
We at Microsoft belief that the first globally-harmonized opportunity to use DSA technologies and techniques will be in the TV bands.
Technologies exist today that can use TV band white spaces spectrum for a range of wireless applications, from broadband, to wireless offload, to machine-to-machine.
The term TV White Space spectrum refers to frequencies in the VHF and UHF television broadcast bands that are either unassigned or unused by existing broadcast or other licensees.
Television broadcasts occupy designated channels in the VHF and UHF bands, with the assignment of channels to broadcasts varying by location.
Not all the designated channels are in use for broadcast in any given market, giving rise to “White Spaces” in which a channel that is not used for broadcast may be available for other purposes.
Unlocking the TV band and other unused white spaces spectrum will mean significantly increasing the total amount of bandwidth available for consumers and their devices – and thereby alleviating pressure on other spectrum bands.
Based on the results of trials Microsoft has conducted in the U.S, Europe and Asia, we believe that TVWS technology will be able to deliver similar functionality and high speeds compared to other wireless broadband technologies.
TVWS has couple of distinct advantages highlighted below:
TVWS networks work in much the same way as conventional Wi-Fi, but the signals travel over longer distances than the typical Wi-Fi signal.
Conventional Wi-Fi is relatively weak when it comes to working in typical physical settings – bumping up against concrete obstructions and many types of walls. TVWS can overcome these limits.
Just as your TV signal passes through walls (and many of them), the wireless signal for your Internet connection will as well.
Ability to achieve greater efficiencies
Covering a longer and wider range with approximately the – same power and computing requirements results in systems – that will deliver more bandwidth and more consumer benefits at lower network costs and lower power consumption.
Given these inherent distinct advantages, some specific scenario that TVWS easily lends itself to as a best in class solution include:
Leveraging long range characteristics enables scenarios like Cellular offloading; Rural broadband/backhaul; Wide-coverage hotspots; Sensor network; Wireless surveillance system; etc.
Whilst its obstacle penetration/avoidance characteristics enables Indoor video distribution; M2M –factory floor automation; Device to device network; etc.
For over 5 years, Microsoft has been working with industry and government partners around the world to demonstrate the viability and potential of Dynamic Spectrum and TV White Spaces.
The viability of the technology has been proven in over a dozen trials and commercial deployments around the world – ranging from remote villages of Africa to the dense urban centers of Asia.
As part of efforts to drive thought leadership in this space, Microsoft recently partnered with couple of other stakeholders to form the Dynamic Spectrum Alliance; a global, cross-industry alliance focused on increasing dynamic access to unused radio frequencies.
DSA is advocating for laws and regulations that will lead to more efficient and effective spectrum utilization.
Its membership spans multinationals, small- and medium-sized enterprises, and academic, research, and other organizations from around the world, all working to create innovative solutions that will increase the amount of available spectrum to the benefit of consumers and businesses alike.
Specific goals of DSA includes:
Closing the Digital Divide –supporting technical, regulatory, and business model innovations that can reduce the cost of deploying last-mile wireless networks and help to make wireless broadband access more affordable for people around the world.
Enabling the Internet of Things – supporting spectrum policies that can enable the burgeoning Internet of Things – with potentially billions of interconnected wireless devices operating on our behalf – increasing efficiency and improving quality of life.
Alleviating the “Spectrum Crunch” – The Dynamic Spectrum Alliance supports changing regulatory policies that create artificial spectrum scarcity and replace them with policies that will increase available bandwidth, reduce costs, and increase consumer choice.
In Nigeria we are at the fore-front of advocacy for the use of TVWS to help actualize the goals of the countries recently released well-articulated Broadband Policy Implementation Plan.
Amongst other broad goals, the broadband plans has a target to deliver 80% mobile broadband penetration by 2018 and an open access shared infrastructure environment to support future growth.
Microsoft is keen to with local partners participate in a TV band white spaces regulatory trials to explore large scale pilot that addresses scenarios of Education, eHealth, Rural Digital Inclusion, etc.
In conclusion, TVWS will enable new business models making access more affordable and can improve education, healthcare, e-government, small business empowerment & social inclusion; for this to materialize policymakers should think differently about spectrum allocation and regulation.
We support ongoing efforts to gain a better understanding of the viability and potential impact of TVWS in Nigeria by the Ministry of Communication Technology and the Federal Spectrum Management Council through ongoing discussions around regulatory trials and demonstration in the country.
We further recommend that TVWS ultimately be made available for license-exempt (unlicensed) access on a harmonized basis, facilitated by the use of geo-location databases and other interference protection mechanisms to support the Nations objectives of enabling ubiquitous affordable broadband connectivity and services across Nigeria country to better position the country to compete in the information age.
Olayinka Oni is seasoned IT professional with experience spanning consulting and the banking industry, he is currently the Chief Technology Officer of Microsoft Nigeria and he writes from Lagos.
E-Business
Privacy Crisis May Undermine Local Hosting of Data by Banks, Fintechs

Nigeria’s weak data protection guardrails may undermine the recent directive by Central Bank of Nigeria (CBN) to banks, fintech firms, and other payment service providers to store payment transaction data generated within the country local servers.

CBN said that the new rule will start from January 1, 2027, as part of new measures to strengthen oversight of the fast-growing digital payments ecosystem.
This will also provide the country greater control over critical data infrastructure, allowing authorities to easily access records, conduct audits, enforce compliance, and investigate, especially in cases where criminal offenses are involved, reducing delays often caused by intermediation between local and foreign entities.
Apart from data sovereignty, the CBN added that moving transaction records from foreign servers will help drive investments in local data centers and cloud storage capacity.
Though reliable estimates are hard to come by, it is believed that Nigeria loses over N60 billion in hosting data in foreign servers.
But a coalition of civil society organizations (CSOs), has raised concerns over safety measures in place to protect data of Nigerians, despite having data protection laws in place.
The coalition, comprising Media Rights Agenda, Paradigm Initiative, Digital Rights Lawyers Initiative, and Accountability Lab Nigeria, among others, released the “Protected From the State, Not By It: Nigeria’s Data Protection Crisis Is a Crisis of Implementation,” where they criticized regulators’ failure to effectively enforce data protection laws, which led to rising cases of digital fraud and rampant illegal sale of sensitive information.
There have been leaks of sensitive voter, financial, and personal records.
For instance, there was alleged unauthorized access to the Continuous Voter Registration (CVR) database of the Independent National Electoral Commission (INEC) during a nationwide CVR exercise.
INEC earlier released the preliminary findings of its investigation into the matter, saying that it found no external breach of its systems and that the personal information of over 90 million registered voters was not compromised.
Despite this, CSOs argued that the incident underscored the lack of oversight, adding that it showed that while data privacy laws are in place, sensitive information can be easily moved from a secure government database and into the hands of private political entities.
The coalition also pointed out regulators’ failure to conduct human rights impact assessments on public surveillance systems before related programs were deployed, urging the government to act on these issues by subjecting public institutions to the same compliance requirements as private organizations.
“This is the asymmetry at the heart of the crisis: citizens are under-protected from data abuse and over-exposed to state monitoring and punishment,” the CSOs stated.
Additional report by coingeek
E-Business
AI-Powered Scams are Biggest Payment Fraud Threat -Visa Report

Visa, a multinational firm into payment card services says Artificial intelligence enabled scams have emerged as the fastest-growing source of consumer payment fraud globally as cybercriminals increasingly target people.

Visa stated this in its Mid-year 2026 Biannual Threats Report released on Wednesday in Lagos.
The report said scammers were increasingly using AI tools and social engineering tactics to manipulate consumers into authorising fraudulent payments themselves.Premier League Fixtures
It indicated that from July to December 2025, Visa identified nearly one billion dollars in scam-related activity, making scams the largest category of consumer payment fraud.
According to the report, fraudsters now impersonate trusted brands and institutions, create a sense of urgency and deceive victims into completing seemingly legitimate transactions.
The report said stronger network-level security had reduced opportunities for direct system compromises, forcing criminals to shift their focus to exploiting human trust.
It revealed that fraud involving device tokens declined by 9.6 per cent between July and December 2025, compared with the same period in 2024.
The report identified accelerating scams, growing use of AI in fraud, migration of attacks from technology to people, and evolving ransomware trends as key developments shaping payment security.
It stated that global ransomware activity rose by 26 per cent during the review period compared with the corresponding period in 2024.
However, only 23 per cent of ransomware victims paid ransoms, the lowest level on record, reflecting improved resilience and recovery capabilities, according to the report.
Commenting, Mr Paul Fabara, chief Risk and Client Services officer, Visa, said that payments at network level continued to get safer, but threats were evolving faster than ever
Fabara said criminals were increasingly using deception, urgency and AI-enabled tools to exploit trust, requiring stronger collaboration across the payments ecosystem.
Also, Andrew Uaboi, vice president and Cluster head, Visa West Africa, said AI had significantly lowered the barriers to entry for fraudsters.
“What once required deep technical skill can now be executed with a prompt,” Uaboi said.
He said intelligence-driven defence and coordinated action across the ecosystem were becoming increasingly critical to protecting consumers from emerging threats.
E-Business
How to Build a Safer Cyberworld for People, Business, and Society

Kaspersky has released its Sustainability Report for 2024–2025, outlining how the company is working toward a safer and more resilient digital future.

The report reflects Kaspersky’s broader commitment to responsible business — protecting people and organisations from cyberthreats, supporting law enforcement cooperation, investing in secure technologies, and helping strengthen the digital resilience of societies and economies.
In 2024-2025, the company continued advancing digital sustainability and strengthening global cyber resilience, reducing thedisruption, financial losses and social risks caused by cyber incidents, and enabling safer and more stable conditions for digital adoption across economies and societies.
Over the period, the number of detected advanced persistent threat (APT) groups and operations has increased significantly — by 74% compared to 2023, supported by intelligence gathered through five dedicated Expertise Centers.
Building a safer cyberworld
A significant part of Kaspersky’s social impact comes from the company’s cooperation with global law enforcement agencies. During the reporting period, the company contributed to joint operations with INTERPOL and AFRIPOL that resulted in the arrest of more than 2,600 suspected cybercriminals.
From a sustainability perspective, this shrinks the opportunities attackers can exploit — making digital environments safer for governments, businesses and individuals, and lowering the long-term economic and social costs associated with cyber incidents.
During the reporting period, Kaspersky formalised its collaborations with AFRIPOL, signing a five-year cooperation agreement, and delivered cybersecurity training to law enforcement representatives from 23 African countries, covering the fundamentals of Security Operations Center (SOC) operations and advanced threat hunting techniques.
This capacity-building work has a compounding effect: as local teams become more capable of independently detecting and responding to threats, the overall resilience of the digital ecosystem increases, while the cost and duration of cyber incidents decrease over time.
Implementing future tech
To effectively protect people, businesses and public institutions from evolving cyberthreats, Kaspersky constantly improves its security solutions and conducts cybersecurity research to stay one step ahead of attackers.
In 2024–2025 the company was granted 155 patents, including 135 AI-related ones. Its global R&D team of around 3,000 employees also produced 373 research publications. Together, these efforts help advance the baseline of secure technologies available to the market.
This reduces systemic vulnerability in digital infrastructure and supports more stable technological adoption at scale.
Responsible innovation frameworks further reinforce this effect. By joining the European Commission’s AI Pact and supporting the UN Global Digital Compact, Kaspersky has aligned its development practices with emerging global governance standards.
This contributes to sustainability by helping reduce the risks of unsafe AI deployment, such as misuse, bias or system exploitation, which could otherwise undermine trust in digital transformation.
The company’s Cyber Immunity approach, implemented through KasperskyOS, adds another layer of long-term sustainability impact by shifting security from reactive protection to architectural resilience.
Instead of repeatedly patching vulnerabilities, systems are designed to be inherently resistant to compromise, which reduces maintenance overhead, lifecycle risk and resource inefficiency in securing digital environments.
Among the new product launches, the Kaspersky eSIM Store expanded the company’s offering beyond cybersecurity into mobile connectivity. By reducing reliance on physical SIM cards and making global mobile access more seamless, the solution supports more sustainable travel and digital lifestyles.
Together with that, Kaspersky also released Kaspersky Cloud Workload Security for protecting cloud workloads wherever they reside: on servers or virtual machines, or in private, public, or hybrid clouds, etc.
“At Kaspersky, we see cybersecurity not only as a technology issue, but as a social one. Every day, people rely on digital services to work, communicate, study, receive services and manage their lives and they need to be able to do this safely.
“That is why our sustainability agenda starts with our core expertise: protecting people, organisations and critical systems from cyberthreats. But it also goes further — through responsible innovation, transparency, partnerships and support for communities.
“This report shows how our technologies, research and cooperation with partners translate into practical impact: fewer risks, stronger resilience and a safer digital environment for everyone,” said Maria Losyukova, Head of ESG & Sustainability at Kaspersky.
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