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Telecom Revolution is Key Driver of Development-Ndukwe

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Ernest Ndukwe, executive vice chairman and chief executive officer, Nigerian Communications Commission (NCC) is a professional engineer with over 28 years of local and international experience. The NCC he is leading has completely transformed the country’s telecom landscape with the now world famous revolution which ahs placed phones on the hands of Nigerians and connected many nconnected. He spoke about the revolution and next big thing in this interview with Ken Nwogbo.

 

Prediction on Telecom Revolution

Looking back, nobody could have predicted the amount of success that has been recorded in the industry. Remember that we started from a very low level and almost zero-subscriber level compared to what we have today. We had just over 20,000 wireless mobile line and 200,000 fixed lines – hardly anything for anyone to care about. But over the years, we have seen this growth to the level that by the end of July, 2008 we have netted 58 million connections and there was no way we could have predicted this in 2001 when this journey started. But it has been a pleasant development and we thank God for his favours and for what He has enabled us to do in this area.

Growth in Subscriber Base and Capacity

The capacity is also growing. The problem actually comes from where we started. Most countries that transited from wireline infrastructure as their base and moved to mobile already had very good wire line infrastructure. That is why I laugh when people compare Nigeria with places like the UK, the U.S and some European countries. These are countries that had very good landline infrastructure. The incumbent operators in those places had obligation to make sure that lines were available to all people in the country no matter their location. But the situation we found ourselves in here in Nigeria from 1960 at independence until recently was that lines were growing in the country at an average of 10,000 lines per annum. Today we are talking about 1.2 million lines per month, so you can see the difference. In terms of capacity, let me say that all the operating companies are installing capacities at such a fast rate and within the possibilities available to the environment. One of them recently said that in the month of July, they had about 150 base stations – that is definitely a record. Most people do 30, 50, at the best, 100 – that will show you how much capacity that is put into the network in order to enhance it. I am sure what you will also be saying is that they do not have headway in their capacity to be able to take anything that is out of the ordinary and I will agree with you on that. That is why when they try to offer free calls at a particular weekend, the whole network gets jammed. So if we start from a very shallow base and start building the network to what it is today, for the whole country to be covered, for enough base stations to be available everywhere and for us to now have that critical headway that will make it possible for us to handle extraordinary occurrences so that networks are not thrown into any form of confusion. But today, capacity is growing rapidly.

Broadband and Mobile Growth

It would never be possible for broadband and fixed lines to keep pace with the mobile growth. I say that because when you look at what happened in the years when fixed lines infrastructure was in vogue – in the 60s, 70s and 80s before mobile services became widespread, Nigeria did not take advantage of that period and most of Africa did not. Today, to build a landline infrastructure, you need permission; you need approval from local and state government and that may be delayed. Secondly, it takes more time to build a fixed line infrastructure unlike that of mobile. For fixed line/wire line, you have to draw cable on individual basis to the various targets where you have your customers. So, it is a difficult thing to do in a fast manner. That is why I said it would be impossible for fixed lines to catch up with mobile lines because of the nature of deployment. What we should be talking about is how much we can improve on it. Even in this age of fixed mobile substitution, you find some people (especially young people) abandoning the fixed lines in preference for the mobile lines, so that they can stay connected in their offices, homes, anywhere they are without restrictions. I think the challenge from your question is – how do we further improve the penetration of broadband in Nigeria? We are working on that and companies are gearing up to provide broadband internet services in the country.

Impact of Financial Sector in Telecom Revolution

The telecom revolution has been a major driver of development in the country in the past seven years. It has affected nearly all other sectors of the economy – the financial sector, business community, government services, security services, medical services, legal services. All these have been impacted positively by the telecom industry. The advertising companies have never known it so good, telecom has suddenly become a major (if not the primary) contributor to advertising in the country. When we look at the ordinary businessman, people are able to use their phones to reach their customers and run their businesses more efficiently. It has improved commerce and industrial development; it has improved interactions – doctors today do not need to be glued to a particular location when they are on call; they can be on the move and still be on call in a hospital and can attend to emergency cases regardless of their locations. So all these have been major contributions of the telecoms industry, a major facilitator of growth in the national economy.

Revenue from in 7 Years

What I can say is that investment in the industry is over $12 billion. I mean all forms of investment in the telecoms industry – licensing, roll out of networks, investment in various companies. So it is over $12 billion.

Consumer Parliament as Alternative Dispute Resolution

The consumer parliament has been a major factor on the Nigerian telecoms scene. What it has done is empower the consumer more. We pride ourselves for raising consumer awareness to a higher level in the country today. Before the telecom parliament, most consumers in the country were basically left in the dark and not used to complaining. We have demonstrated that we can transparently meet the consumers and discuss with them on the issues and problems they have. This was never happening in this country, most people hardly complained – they did not have a say. But the consumer parliament and consumer-based programmes have given the consumers a new voice and we very happy for that. Right now, we are looking at bringing out the education part of the consumer parliament because what people don now is just come and make complaints and their complaints are discussed; we listen to their grievances. But we want to go beyond that; we want to use it as a platform for consumer education and awareness as a veritable tool in the hands of the consumers to be able to assist them evaluate services offered by operating companies and be able to make fine decisions on their own. So that is what we want to do with parliament.

Addressing Issues of Quality of Service

Yes, the quality of service situation has been topical because of this consumer awareness that we have instilled. In terms of quality, the commission has done a lot in addressing the issue of getting quality of service here to meet international standards. That is why recently, we published a few things on key issues in the industry addressing questions like congestion, call related problems and others. Operators of telecoms should ensure that they meet minimum quality of service requirements and we have also committed that when they fail, we will ensure that they pay the consumers in compensation. If you noticed, for the first time in the African continent, the telcos are paying compensation to the consumers for poor service rendered. So we are working hard at it and we hope that they continue to improve in quality. The heat is on and we know that there is a lot of installations going on in the various networks and this will over time enable them provide an optimum quality of service in the environment.

Hosting Commonwealth Telecom Organization Forum

The Commonwealth Telecom Organization normally has annual meetings and the venue moves from one country to another. The one two years ago was in Malta, last year’s was in Jamaica. It was during the Jamaican conference that Nigeria indicated interest in hosting this year’s Annual General Meeting. So, it is something that countries hold on rotational basis. CTO has been an important organization in developing ICT across the Commonwealth countries. Apart from the Annual General Meetings which is usually a one day or two day affair, CTO’s tradition has it that together with the AGM is a forum which targets discussions on very topical issues in the ICT industry. So, the CTO forum will hold from the 6th – 9th of October and then on the 10th, we will have the Annual General Meeting. It is an important event and we will be hosting a number of ministers from various Commonwealth countries. The acting chairman of CTO is a regulator from Uganda. Usually, CTO is headed by chief executives of various regulatory bodies around the Commonwealth. The organization is solely handled by the Commonwealth Telecom Organization office but here, there is also a local organizing committee that would see to the preparations – It is going to be a major event.

Next Big Thing in the Industry

We have not really done enough in the broadband area so; the next big thing for this country is broadband where we will good Internet connectivity in the country. We are licensing some companies to roll out broadband services in the State capitals and commercial centers across the country. Another big thing is to ensure that services are extended to rural areas – reaching the unreached.

 


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PalmPay Celebrates Valentine with #LoveWithPalmPay Campaign

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This Valentine’s Day, PalmPay is celebrating love in all its forms with the launch of #LoveWithPalmPay, a campaign highlighting how simple, everyday shared money moments can bring relationships closer.

Valentine’s Day is more than grand gestures; it’s built on the small, meaningful actions that shape relationships, sending timely support, saving together, or managing shared responsibilities. PalmPay encourages users to share 30–60 second real-life stories, either solo or duet style, showing how PalmPay always works and has helped them support or stay connected with someone they love.

The campaign runs from February 9th to 21st across Facebook, Instagram, X (formerly Twitter), and TikTok. Four winners will receive ₦100,000 each week for two weeks, totalling a prize pool of ₦800,000.

Entries can take many forms, including couple videos, solo stories, split-screen duets for long-distance couples, or voiceover narratives with photos or clips, making the campaign inclusive for married couples, parents, and long-term partners.

How to Participate:

  • Share an authentic love story about your partner
  • Clearly show PalmPay in action (transfers, savings, or other in-app activities)
  • Be creative and emotionally engaging
  • Post between February 9th – 21st with the hashtag #LoveWithPalmPay
  • Share on any of PalmPay’s social media platforms

“Love evolves, and so do relationships,” said Olorunfemi Hanson, Head of Marketing and Communication, PalmPay. “From dating to parenthood, the small money moments we share every day play a big role in keeping us connected. With #LoveWithPalmPay, we want to celebrate those stories and show how PalmPay always works, making everyday love simpler, reliable, and meaningful.”

This Valentine’s Day, PalmPay celebrates love as it truly is real, intentional, and built on shared moments.

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 and processes up to 15 million transactions daily. PalmPay has operations in Nigeria, Ghana, Tanzania, and Bangladesh. For more information, visit www.palmpay.com


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CBN, NCC Propose Instant Refunds for Failed Airtime, Data

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Central Bank of Nigeria (CBN)and the Nigerian Communications Commission (NCC) have proposed that customers must receive refunds within 30 seconds for failed airtime and data purchases to curb persistent billing complaints in the telecommunications sector.

CBN, NCC Propose Instant Refunds for Failed Airtime, Data

This was indicated in the Exposure Draft of the Joint CBN–NCC Framework for Resolution of Failed Airtime and Data Purchase Transactions, which was published on the website of the CBN on Monday.

The landmark exposure draft, dated 5 February 2026, seeks to “institutionalise clear accountability” and establish a “coordinated approach to consumer redress” across the financial and telecommunications sectors.

The most significant shift in the proposed framework is the introduction of standardised, automated timelines for resolving failed transactions.

Currently, Nigerians often face long delays when airtime purchases fail at the bank, aggregator, or Mobile Network Operator level.

To solve this, the regulators have proposed a 30-second window for automated reversals. Section 6.0 (ii) of the draft exposure, which dwelt on failed transactions, especially as it relates to unfulfilled airtime/data delivery, proposes a time to refund the purchaser of 30 seconds “if the transaction failed at the bank level… Failed transaction delivery from NCC Authorised Licensees… Failed transaction delivery from MNO to the NCC Authorised Licensee.”

The draft emphasised that stakeholders must “automate reversal processes across all stakeholders” to ensure that refunds require no human intervention from the customer.

The draft exposure also stated that “all parties involved in airtime and data transactions shall take the following actions to ease usage and facilitate consumer satisfaction: a. Stakeholders must immediately connect ONLY to relevant authorised licensees of the NCC and CBN. b. MNOs and banks must only connect to NCC Authorised Licensees/MNO digital channel partners for airtime and data vending… Notifications of failure create final settlement obligations between MNO and NCC-authorised licensees… The NCC and CBN will audit stakeholder compliance jointly or individually at quarterly or other intervals as may be determined.”

From a business and oversight perspective, the regulators are proposing a Central Monitoring Dashboard to be hosted jointly by the CBN and NCC, which will track reversals, Service Level Agreement breaches, and customer complaints in real-time.

“There shall be a Central Monitoring Dashboard hosted by CBN/NCC for tracking reversals, SLA breaches, and customer complaints. This will facilitate the establishment of a real-time national ‘Failed Transactions Dashboard’ with a uniform error code with end-to-end visibility across the value chain’, read the draft exposure.

This is designed to eliminate the “unclear ownership of liability” that often occurs when banks and telcos blame each other for failed recharges. To support this, banks and MNOs will be required to maintain and share daily reports of successful and failed cases.

The proposed framework also addresses the common problem of “lost” money when customers recharge ported phone numbers. The draft mandates that MNOs must validate a phone number against the ported number database before processing any recharge. If the system identifies a number as ported out or invalid, it must “proactively stop recharges” and send a failure code back to the bank to ensure the customer is not debited.

For erroneous recharges sent to the wrong person, the framework sets clear protocols: below N20,000, MNOs will request the recipient’s consent before a reversal, and when it is above N20,000, an affidavit of indemnity or notarised letter is required to process the recovery.

The CBN and NCC in the exposure draft signalled they will take a firm stance on compliance. Both agencies will conduct joint quarterly audits of all stakeholders, including banks, payment service providers, and MNOs, to verify compliance with the new rules. The regulators have warned they will “impose penalties for any breach” of the framework’s provisions.

Banks and other financial institutions have until 10 February 2026 to submit their inputs on the draft before it is finalised. Once implemented, the framework is expected to significantly restore “subscriber trust” in Nigeria’s digital financial ecosystem.


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FG Launches the Happy Woman App Platform

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Federal government has unveiled a new digital platform to connect millions of women to finance, skills training, and market opportunities, in what officials call the country’s largest technology-driven women’s inclusion initiative to date.

The Happy Woman App Platform, which was unveiled at the Presidential Villa in Abuja, would serve as a single interface for women to access funding facilities, business development support, governmental initiatives, and critical services.

The digital drive comes as Nigeria grapples with expanding gender gaps in financial access, with women much less likely than males to maintain bank accounts or obtain formal credit, limiting their capacity to grow informal enterprises they primarily run.

Yet women remain central to the economy, accounting for a large share of micro and small enterprises that contribute nearly half of the country’s GDP.

According to the Social Institutions and Gender Index, only about 35 percent of Nigerian women have a bank account at a financial institution, compared with 55 percent of men, underscoring the depth of persistent financial exclusion and the urgency of targeted interventions.

The launch coincided with the expansion of the Nigeria for Women Programme, which the administration now plans to scale nationwide to reach 25 million women.

President Bola Tinubu, represented by vice president Kashim Shettima, said the scale-up is central to Nigeria’s economic growth strategy.

“A nation that relegates its women is a nation bound for implosion,” he said, adding that women must be placed “at the centre of national planning and productivity.”

The expanded programme builds on a pilot phase in six states that reached over one million women, many organised into Women Affinity Groups to access grants, savings schemes and livelihood support.

The government says the new app will streamline beneficiary registration, payments and training, reducing leakages and improving delivery.


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