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TestNigeria 1.0: Pantami says Quality Software Will Give Nigeria’s Digital Economy Competitive Edge 

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Effective software quality assurance in the Nigerian Digital Economy will greatly impact the digital economy’s accelerated growth, says Professor Isa Ali Ibrahim (Pantami), Nigeria’s Minister of Communications and Digital Economy.

He remarked in the lead address at the first-ever Software Testing Conference in Nigeria with the theme “Impact of Software Quality Assurance in the Nigerian Digital Economy”, organized by Nigeria Software Testing Qualification Board (NGSTQB) on Wednesday, November 23, 2022, at Oriental Hotel, Victoria Island, Lagos, Lagos State. 

Pantami acknowledged that the importance of software in global development cannot be overemphasized hence software powers the hardware, and most of the innovations in all sectors and spheres of life. 

“If you look at the world’s advancement in the internet economy, transportation, financial services, power, cyber security and many life endeavours; software is the secret to that success. I can categorically say that the world would not have achieved much if there was no invention of software.  

“The article by Jeff Lawson in the Harvard Business Review argued that in the digital economy, your software is your competitive advantage. 

“He said ‘many companies respond to digital competition by embracing methodologies like agile, building ‘innovation centres,’ acquiring startups, or outsourcing app development to consulting firms. But the true disruptors know that in the digital economy, whoever builds the best software wins. Companies that want to compete need to empower their developers and adopt a ‘software mindset’”.

“This same argument applies to any country that wants to succeed in the digital economy era. We have seen the implication of this during the Covid-19 pandemic. The technology (especially ICT) industry which is powered by software benefited the most. The industry’s growth skyrocketed”. 

The Minister who spoke through Dr Engr. (Mrs) Falilat Jimoh, Digital Architect Manager, NITDA, said, however, one of the greatest challenges the software industry is facing today is issues of quality. 

He referred to a report by Synopsys Inc in the US which finds that many organisations allow software quality to lag behind other objectives, but that lack of attention comes at a steep price. 

“In 2020, the cost of poor software quality in the US was approximately $2.08 trillion. That is why software quality assurance and testing is a big industry today. According to a comprehensive research report by Market Research Future (MRFR), ‘Software Quality Assurance Market information by Solution, by Deployment, by Organization Size and Region has been forecast to reach USD 14.01 billion market size by 2027’”.

“There is, therefore, a need to take full advantage of the opportunities the software industry is going to play in the digital economy growth while ensuring the challenges that could hinder software quality do not thwart the progress we have collectively in the digital economy sector”. 

Pantami, therefore, said that the theme of the first edition of the Software Testing Conference: ‘Impact of Software Quality Assurance in the Nigerian Digital Economy’ is apt as effective software quality assurance in the Nigerian Digital Economy will greatly impact the digital economy’s accelerated growth. 

“Web portals and apps are now part of our daily routine. This conference provides the platform to discuss and share our ideas on the use and need for Software Quality Assurance and its effect on the Nigerian Digital Economy.  

“In the last two decades, there has been an upsurge in the use of Digital technologies all over the world. Nigerians are not left out in the uses of digital technologies in services provision, trade, socializing and communication with one another.

“Consequently, Nigeria has seen tremendous growth in digital services, ranging from eCommerce to Fintech Services. Therefore, the potential of the digital economy to create economic growth, employment and innovation cannot be underestimated. 

“Bearing in mind the importance of a digital economy, His Excellency, President Muhammadu Buhari, GCFR, approved our request to redesignate the Federal Ministry of Communications as the Federal Ministry of Communications and Digital Economy on the 17th of October, 2019.

“The change was officially endorsed at the Federal Executive Council on the 23rd of October, 2019 and the process of implementing a digital economy for the country began on the 24th of October, 2019, which was approved as the Digital Nigeria Day. 

“The redesignated Ministry also had an added mandate of developing the digital economy in line with the focus of the Federal Government and the first step was the development of a Policy and Strategy to drive the development of the Digital Economy.

“Specifically, the ICT sector provided 3 unprecedented contributions to the Gross Domestic Product (GDP) of the country in the last 3 years, namely 14.07% in Q1 2020, 17.92% in Q2 2021and 18.44% in Q2 2022. At each time, that has been the highest-ever contribution of the ICT sector to the GDP. This is unprecedented in our history. 

“We have shown that the digital economy can greatly support the traditional economy.  

“The contribution of the digital economy to the gross domestic product (GDP) of Nigeria and its role in making the economy resilient to adverse events like the COVID-19 pandemic are 2 good examples of the impact of the digital economy on the traditional economy.

“Software quality assurance has a great role to play in accelerating the achievement of the objectives of Nigeria’s Digital Economy Policy and Strategy (NDEPS) pillars. The pillars are Developmental Regulation; Digital Literacy and Skills; Solid Infrastructure; Service Infrastructure; Digital Services Development and Promotion; Soft Infrastructure; Digital Society and Emerging Technologies; and Indigenous Content Promotion and Adoption. 

“With the transition to digital platforms, we must ensure our digital products are tested and certified by members of NGSTQB and if there is a need, a member of the International Software Testing Qualifications Board (ISTQB).  

“We would strengthen our partnership with the NGSTQB to provide training on software quality assurance to many interested individuals. 

“With higher user expectations and the need to deliver higher–quality software, Software Quality Assurance testing and certifications are a must.

“Everyone in the software business knows the landscape is constantly changing, and testing helps to manage the risks associated with the development and adoption of software. 

“Considering the potential growth of software, the economic and risk-reducing benefits of software quality assurance; there is a need to develop the necessary capacity in software testing and quality assurance to tap this aspect of the software industry. 

“The mission of NGSTQB is ‘to generate public awareness of the economic and risk management benefits that professional software testing practices offer’ is in line with these needs. 

“By ensuring the software we use in business or governance for public service delivery, and social and economic activities are certified, it has the potential to greatly enhance cost-effectiveness, reduce security breaches, promote product quality, and ensure better user experience and customer satisfaction”. 

He said that the Ministry is always willing to partner with relevant stakeholders to advance the course of software quality assurance and testing to promote a sustainable digital economy in Nigeria.

In conclusion, it is worth noting that Software Quality Assurance will boost the quality of digital products and services in Nigeria and, in turn, positively impact the Digital Economy. 

TestNigeria Conference 1.0 sponsored by Inlaks, Global Accelerex, Quality Certain, Altaviz Support, The Nigeria Office for Developing the Indigenous Telecoms Sector (NODITS) and others, featured networking cocktail, keynote presentations, panel sessions and fireside chat including special sessions on Software Test Improvement in Organisations; Growing Software Testing Ecosystem in Nigeria’s Educational Sector, and the Need for Certified Test Professionals in Organisations.

Speakers at the two-day conference include Prof. Isa Ali Ibrahim Pantami, Minister of Communications and Digital Economy (Nigeria), Mr Hakeem Fahm, Hon Commissioner, Lagos State Ministry of Science and Technology, Mr Olivier Denoo, President of the International Software Testing Qualifications Board (ISTQB), Mr Bob Van de Burgt, the Test Maturity Model integration Foundation (TMMi) Local Chapter Manager, Mrs Rakiya Mohammed, Director of IT, Central Bank of Nigeria (CBN), Dr Babatunde Oghenobruche Obrimah, Chief Operating Officer, FINTECH Association of Nigeria, and Dr Chika O. Yinka-Banjo, Department of Computer Sciences, University of Lagos.

Others are Mr Koye Sodipo, Senior Product Owner, Microsoft Nigeria, Mr Abimbola ‘BB’ Babalola, Head, Testing Centre of Excellence (TCoE) Digital Organization, Sterling Bank PLC, Mr Yusuf Abba-Kyari Kura, Software Quality Assurance Manager, Federal Inland Revenue Service (FIRS), Mr Akinyemi Adejuwon, Quality Assurance Engineer, Global Accelerex, Mr Femi Niyi, Chiarman Board of Trustees, Coderina and Mr Collins Onweagba, Atlavitz Support Limited.

In his message to the delegates, Mr Boye Dare, President of NGSTQB, said that while businesses all over the world are transforming themselves to adapt to this new normal, the software industry globally is reaping the benefits of the Covid-19 due to increased demand for technology. 

In his words, “In Nigeria, companies are starting to look inwards for their software needs which have now led to an increase in the demand and acceptance of indigenous software. We can boldly say that Covid-19 has opened a floodgate of opportunities for the Nigerian software industry and presented a gateway to emancipate the industry from the clutches of imperialism.

“If Nigerians, including the government, begin to buy from Nigerian software providers, Nigeria would have an industry that would internally generate over $2 billion annually and that alone would spiral into other African countries, then to other countries all over the world.

He added that TestNigeria Conference is the first software testing conference in Nigeria that was purely dedicated to all things software testing and quality assurance.

“The central objective of TestNigeria Conference is to create a forum for professionals to discuss how the Nigerian IT ecosystem can start developing quality software that meets international standards and help achieve Nigeria’s Digital Economy Strategy”, Dare said. 

Recommendations:

– Delegates called on the government to back NGSTQB as a platform to chat about the course of software quality assurance in Nigeria to promote the digital economy.

– Delegates sought for more synergy among industry players to push for ‘Nigeria software’ adoption 

– The conference stressed the need for skills development to bridge the gap created by brain drain in the sector 

– Industry players pledge willingness to support NGSTQB in implementing the recommendations from the conference.


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Ugo Onwuaso is an ICT enthusiast. He believes technology should be used for general good. He holds a Master of Public Administration (MPA) degree from the Lagos state University. Dear Reader, Your support matters. But we believe that technology makes life more exciting and helps improve the lives of people around Nigeria and indeed the world. That is why, we have devoted our energy to independent reportage of technology and finance and how they affect lives. Our incisive and analytical view of how technology news affects the daily life help individuals and organizations make up their minds. Quality journalism costs money. Today, we're asking that you support us to do more. Kindly support our effort to deliver technology and finance journalism to everyone in the world. Donate as little as N1,000. Bank transfers can be made to: UBA Plc 1017156876 Communication Week Media Ltd

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Sophos Expands AI Capabilities with Arco Cyber Acquisition

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Sophos, a global leader of innovative security solutions for defeating cyberattacks, today announced it has acquired UK-based Arco Cyber, a cybersecurity assurance company dedicated to helping organizations improve their security posture while staying ahead of compliance requirements and emerging threats.

Sophos Expands AI Capabilities with Arco Cyber Acquisition

Sophos

The acquisition is an important step in Sophos’ strategy to help organizations strengthen cybersecurity strategy and governance across all levels of maturity, delivered through the company’s global partner ecosystem.

Sophos refers to this as Sophos CISO Advantage, a set of capabilities designed to scale the knowledge, judgment, and operating discipline of a world-class CISO to organizations with or without dedicated security leadership, combining agentic AI, integrated platforms, and trusted human expertise delivered in partnership with managed service providers (MSPs) and managed security service providers (MSSPs).

Advances in agentic and AI-assisted systems now make it possible to deliver real-time insight into control performance, while remaining grounded in human oversight and judgment.

Arco Cyber accelerates this vision by adding capabilities that help organizations continuously validate whether security controls are effective, map controls to risk and compliance frameworks, and present clear, executive-ready insight that supports better decision-making.

“There is no shortage of exemplary security technology in the market,” said Joe Levy, CEO of Sophos. “What’s missing for most organizations is the ability to govern those tools, understand whether controls are actually working, and make informed decisions about risk. Arco has built a platform and a team that offers clarity, accountability, and proof.

“That work directly supports our strategy, and it gives customers a stronger foundation for simplifying compliance and managing cyber risk with confidence.”

A critical element of Sophos CISO Advantage is the role of MSPs and MSSPs in delivering these capabilities at scale. Most organizations rely on trusted partners to translate insight into action, provide context, and guide day-to-day decision-making.

Sophos CISO Advantage is designed to strengthen that relationship by equipping partners with AI-driven governance, continuous assurance, and clear risk insight, enabling them to deliver CISO-level leadership as a service.

This approach allows MSPs and MSSPs to elevate their role from technology operators to strategic security advisors, while giving customers greater clarity, control, and confidence in how cyber risk is managed.

Addressing a Leadership Gap in Cybersecurity

There are an estimated 359 million organizations worldwide, yet fewer than 32,000 have a Chief Information Security Officer (CISO).

Those with CISOs or other dedicated security leadership also require clear risk assessments, governance, prioritization, and demonstrability of security effectiveness to boards, regulators, and insurers.

“As cybersecurity matures beyond alerts and point solutions, organizations are increasingly focused on proving impact, not just activity,” said Phil Harris, Research Director, Governance, Risk and Compliance Solutions at IDC. “Boards, regulators, and insurers want clear evidence that security investments are reducing risk and strengthening governance. Platforms that integrate detection and response with assurance, advisory, and risk-based measurement are better aligned with how organizations actually operate.

“The Sophos and Arco Cyber combination represents a new category of platform-led cybersecurity that connects operations, assurance, and risk-based outcomes.”

For organizations with a CISO or similar leadership, Sophos CISO Advantage will provide a more efficient, integrated way to manage risk, track progress, and communicate outcomes. For organizations without one, it will deliver practical, CISO-level guidance that helps them take control of their security posture and decisions.

“Arco was founded to help organizations move from assumption to proof in cybersecurity,” said Matt Helling, CEO and co-founder of Arco Cyber. “By joining Sophos, we can deliver against that mission and reach far more customers who are struggling to demonstrate control effectiveness, prioritize risk, and justify security decisions.

“Sophos shares our belief that cybersecurity should deliver clarity, confidence, and control, not just data. Together, we can help organizations of all sizes turn security into a managed, defensible business discipline.”

Arco Cyber will join Sophos as a dedicated team to advance Sophos CISO Advantage. Its technology and expertise will be integrated into Sophos Central, the platform which delivers Sophos’ broader ecosystem including advisory services, managed detection and response (MDR), and partner-delivered services that enable MSPs and MSSPs to scale cybersecurity strategy for their customers.


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Inside Nigeria’s Telecom Exploitation Crisis Draining Household Budgets

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By Blaise Udunze

For about a year now, millions of Nigerians relying on the internet to make a living have been groaning over the manipulation of airtime and data consumption that has turned into a relentless drain on household budgets. Painfully, individuals and businesses buying airtime or data increasingly feel less like paying for a service and more like entering a wager whose odds are permanently stacked against the consumer. Around the nooks and crannies of the country, across cities and rural communities alike, subscribers tell the same weary story of data that evaporates mysteriously, airtime consumed faster than reason allows, and customer care responses that sound rehearsed rather than responsive.

Inside Nigeria’s Telecom Exploitation Crisis Draining Household Budgets

Inside Nigeria’s Telecom Exploitation Crisis Draining Household Budgets

The majority will agree that this collective frustration is not a coincidence, nor is it merely the product of careless smartphone use, because others might argue that there are several technical factors inducing rapid mobile data usage. Leave it or take it, it is the outcome of a broken ecosystem where multinational telecom companies wield immense power in an environment marked by weak institutional checks, limited transparency, and a population stretched thin by economic hardship.

The recent 50 per cent upward adjustment of telecom tariffs, later revised in policy conversations to 35 per cent, has intensified this tension, though it is not justifiable as exploitation. For millions of Nigerians already battling inflation, currency volatility, and shrinking purchasing power, the hike landed not as an economic necessity but as an additional burden. When communication costs begin to claim up to 15 per cent or, in some cases, nearly 30 percent of the national minimum wage, something fundamental has gone wrong. Access to communication is no longer a luxury; it is the infrastructure of modern survival. Yet the price Nigerians are now paying for this access is becoming socially and economically unsustainable.

A published report showed that as of January 2025, statistics from the Nigerian Communications Commission (NCC) disclosed that there were 141 million Internet users via the narrowband (GSM), while broadband penetration stood at 45 per cent. Data consumption has increased to 1,000,930.6 terabytes.

A review of the multinational telecom companies indicated that the new tariff for MTN’s revised data prices showed the 1.8GB monthly plan now goes for N1,500, against the previous 1.5GB plan priced at N1,000. The 20GB plan has been adjusted to N7,500, up from N5,500, while the 15GB plan now costs N6,500, rising from N4,500.

Under this new pricing regime, the same would be said of Airtel as it has replaced its cheapest monthly data plan of 1.2GB plan for N1,000 with 2GB plan for N1,500. For 3GB for N2, 000 (from 1.5GB at N1, 200), 4GB for N2, 500, formerly 3GB at N1, 500, and 8GB for N3, 000 (formerly 4.5GB at N2, 000). Other adjustments include 10GB for N4, 000 (formerly 6GB at N2, 500), 13GB for N5, 000 (from 10GB at N3, 000), 18GB for N6, 000 (formerly 15GB at N4, 000) and 25GB for N8, 000 as this replaces 18GB at N5, 000.
Further, the 75GB monthly bundle, which costs N16, 000 has been renamed as plan, costing N20, 000; 100GB for two months, costing N20, 000 have been upgraded to 150GB to cost N40, 000, while 400GB for three months, which cost N50,000 is now upgraded to 480GB to cost N120,000.

The bubble burst was further complicated tariff increase, which is the resurgence of widespread complaints about rapid data depletion. The issue is that businesses, students, families, and professionals are now raising alarms that data bundles, which previously lasted weeks, now disappear in days or even hours, which is questionable. Another critical area affected is small and medium-sized enterprises that rely on cloud services, digital marketing, logistics platforms, and online payments are finding their operating costs spiraling without any justification. For many, the crux of the matter is that profitability is being quietly eroded, not by poor business decisions, but by the rising cost and unpredictability of connectivity.

The telecom operators, backed by the regulator, have responded with familiar explanations that have always favoured their unscrupulous and illicit activities, with the explanation that data, they say, depletes faster because of background applications, automatic updates, high-definition streaming, malware, faster networks, and users’ failure to manage device settings. Technically, these explanations are not false because modern smartphones are indeed data-hungry, and digital behaviour has evolved. But this defence, repeated endlessly, misses the deeper issue, as the fact is that the problem Nigerians are confronting is not simply that data is consumed; it is that the system governing how data is measured, billed, and explained is not transparent, hard to understand, unaccountable, and tilted entirely in favour of the service providers.

In Nigeria’s telecom market, operators are both the umpires and the players. They measure usage, bill customers, interpret anomalies, and adjudicate complaints, which does not create ground for fair play. Subscribers, on the other hand, are expected to accept consumption figures hook, line, and sinker, which they cannot independently verify. An unacceptable fact is that there are no universally accessible, third-party audited data meters that allow users to confirm what they have truly consumed in real time. Customers and service providers do not have equal access to information; this asymmetry creates fertile ground for silent overbilling, whether intentional or structural, and it erodes trust in a sector that should be built on transparency not obscurity.

One critical aspect that must be addressed squarely is that the regulatory weakness compounds the problem. While the Nigerian Communications Commission possesses statutory authority, enforcement has often appeared slow, reactive, and insufficiently punitive. Penalties imposed on multinational firms with billion-dollar balance sheets rarely feel consequential. Investigations drag on, public disclosures are limited, and even when infractions are established, consumers seldom receive refunds. In such an environment, corporate restraint becomes optional. Where regulators lack teeth, corporations inevitably test boundaries.

The market structure itself offers little relief as the market setup does not protect consumers. Nigeria’s telecom sector is effectively oligopolistic, dominated by a few large powerful players with similar pricing models and limited incentive to compete on fairness. Tariff structures are deliberately complicated and complex, with multiple conditions and layered with bonuses, rollover conditions, expiry clauses, and promotional data that behaves differently from paid data. For the average subscriber, understanding these distinctions is exhausting. Complexity becomes a strategy, not an accident, reducing accountability while increasing revenue certainty for operators.

Though economic pressure on the telecom companies is real, and it must be acknowledged, knowing fully well that exchange rate volatility, energy costs, vandalism, and inflation have hurt profitability. Airtel’s revenue decline and MTN’s reported losses underscore the financial strain facing operators in Nigeria’s macroeconomic climate. It must be understood that corporate hardship does not justify consumer exploitation. The risk arises because multinational firms are subjected to pressure to meet global revenue targets and repatriate profits, adopt aggressive monetisation strategies in markets where regulation is weak and consumer resistance is fragmented.

From experiences thus far, the human cost of this imbalance is becoming impossible to ignore. From students like Abiodun Yusuf, who spends most of his allowance on data that barely supports his academic needs, and also to small business owners like Cynthia Jude, whose online shop struggles to stay viable, the stories repeat themselves with unsettling consistency and outcomes. Families ration children’s screen time not out of discipline, but out of financial desperation. The adverse part that has continued is the widening of an already dangerous digital divide, as rural communities withdraw from digital platforms altogether because of exploitation.

Perhaps most telling is how quickly exploitation has been normalized in Nigeria. Many Nigerians now shrug and say, “That’s how it is.” This resignation is the greatest victory for an unfair system and when people stop believing that fairness is possible, for this reason, exploitation becomes invisible, and abuse thrives without resistance.

Consumer advocacy groups like NATCOMS have begun to signal a shift in posture, including the possibility of court action. Labour unions have threatened boycotts. Civil society organisations warn of social and economic repercussions. These responses indicate that public patience is wearing thin. If left unaddressed, subscription apathy, however gradual, could ultimately undermine the very growth the telecom sector seeks to protect.

For a better understanding of what Nigeria faces is not merely a dispute over megabytes and tariffs, for clarity, it is a governance challenge that cuts across corporate ethics, regulatory independence, consumer empowerment and economic justice. A digital economy cannot thrive on distrust. Transparency and easily understandable data billing must become mandatory, not an aspirational goodwill promise. Independent audits should be public, regular, and credible. Complaint resolution mechanisms must be simplified, fast, and binding. Regulators must act not as mediators between equals, but as defenders of the public interest in an asymmetrical power relationship.

Equally important is consumer education, but awareness campaigns alone cannot substitute for structural reform. Digital literacy must go hand in hand with corporate accountability because the better it is understood that teaching users how to conserve data does not absolve operators from the responsibility to bill fairly and transparently.

At its core, the telecom debate reflects a large Nigerian dilemma, if not a broader problem in Nigeria, as corporate power has grown faster than institutional strength. Until regulators are truly independent and totally free from corporate and political influence, transparency is enforced by law, and consumers are recognized and treated not as passive revenue streams but as stakeholders with rights, exploitation will remain systemic rather than accidental or a series of isolated mistakes.

Communication is the bloodstream of modern society. When access to it becomes exploitative, the cost is paid not only in naira but in opportunity, dignity, and trust. Nigeria must decide whether its digital future will be built on fairness that respects consumers or allow it to rest on fatigue, frustration, and exploitation of users. The choice Nigeria makes will make more impact and the answer will shape not just the telecom sector, but the credibility of governance in an increasingly connected nation.

Blaise, a journalist and PR professional, writes from Lagos and can be reached via: [email protected]


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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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