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The Onslaught of Artificial Intelligence (AI) part 3

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By Evans Woherem, Ph.D

  1. The Ethical Implications of Giving AGI a Human-Like Brain

Are we trying to give AGI a human-like brain and make it self-aware? This seems to be what we are doing, advertently or inadvertently. The question of whether to give AGI self-awareness and consciousness is a contentious issue.

Some argue that replicating and understanding human intelligence is a crucial step for AGI to perform tasks such as creativity, empathy, and moral reasoning. Others argue that it is unnecessary and even dangerous, as the actions of a self-aware AGI are uncertain, and it could lead to unintended consequences.

It is important to consider the ethical and moral concerns that arise from the development of AGI with a human-like brain, including the entity’s rights and obligations, and society’s treatment of it.

Isaac Asimov, a science fiction author and biochemist, was one of the first to explore these ethical issues in his famous “Three Laws of Robotics” in which he proposed guidelines for the safe and ethical use of robots and AI.

These laws include the prohibition on robots harming humans, the requirement for robots to obey human orders, and the obligation of robots to protect their existence as long as it does not contradict the first two laws.

Asimov’s laws provide a useful framework for considering the ethical implications of AGI, and his work continues to be relevant today as we grapple with the ethical challenges posed by the development of AGI.

It is important for researchers, policymakers, and industry leaders to carefully consider these ethical implications as AGI technology continues to advance and to ensure that AGI systems are developed with a clear understanding of their limitations and potential risks.

Therefore, it is important for researchers, policymakers, and industry leaders to carefully consider these ethical implications as AGI technology continues to advance and to ensure that AGI systems are developed with a clear understanding of their limitations and potential risks.

 The Ethical and Societal Implications of Global Human Consciousness

The concept of a global human consciousness, or a “world brain,” refers to the idea that advancements in technology, particularly AI and the internet, are allowing for the collective intelligence of humanity to be harnessed in a way that has never been possible before. With the advent of technology like ChatGPT, which allows for easy access to information and the ability to ask questions, it is becoming increasingly possible for individuals to access and share knowledge on a global scale.

The world is now aware of what GPT-3 is capable of doing! Imagine what happens when it’s upgraded to GPT-4 and then GPT-10. We’ve been told that GPT-4, once completed, would be 500 times more competent than GPT-3.

Today, students may use ChatGPT to produce essays, term papers, and even theses. Professors have started utilizing GPT to edit the chapters they have written and even to help with book chapter composition. Every organization can now use GPT to accomplish practically everything, potentially reducing the need for human personnel.

When I look at a new technology that has been invented in our attempts to build an AGI, like ChatGPT, I believe it appears we want to build a “world brain”, which can be used for both good and ill.

ChatGPT has an excellent level of human-to-human communication. It can be as plain as many people usually are in conversations, yet it can also get as technical as others might want. Any question you ask will have an intelligent response, so feel free to ask anything.

It can be your research assistant, write essays for you, draw pictures, and write poems for you, and so on. Individuals can now utilize it for free via the internet. It could replace search engines in applications like Google and Facebook and provide all the answers to questions in applications like Quora.

Building a “world brain” is a goal shared by many organizations besides OpenAI. Numerous other research facilities are working to create a world brain, both in the West and in other nations like China and Japan.

They are all doing so, perhaps unwittingly or unconsciously, working to develop systems with narrow domains such as chatbots, language synthesis systems, language generation systems, and deep learning systems.

Some of them have the explicit goal of developing AGI. However, the development of a global human consciousness raises important questions about the nature of human identity, agency, and autonomy.

Moreover, there is a societal implication that, if not properly addressed, could lead to a widening of the digital divide and further marginalization of certain groups. Access to and control over information, technology, and resources will be crucial to ensure a fair distribution of benefits and opportunities in the world

  1. Africa, AI, and Other Exponential Techs

In all of the above, where is Africa? Why is there a deafening silence on all of the promethean-level technologies in Africa? Why does Africa continue to adopt a “follow-follow” mentality? Why does Africa think that the world is only meant for some others to recreate without its input? Whatever eventually becomes the world, unfortunately, Africa will also be immersed in it.

Africa is so busy with its day-to-day existential issues, along the lines of Maslow’s Hierarchy of Needs, to the point that the business of rethinking the world and our existence is left to others, particularly the conceptual West, to do on behalf of humanity. My concern is that it is only a few in the West, such as the AI intelligentsia, who are trying to recreate the world and human existence.

They seem to have an unspoken agenda, an atheistic agenda, an anti-God agenda, an agenda that wants to build a new Tower of Babel, and, an agenda that wants to create a new version of humanity. Does Africa agree with their agendas?

It is important for Africa to also be a part of these conversations and developments in technology, as it will ultimately affect the continent just as much as any other region. Africa should not be left behind in the shaping of the future, and should actively participate in the rethinking of the world and our existence.

It is also important to consider the potential consequences and ethical implications of these technologies and to have a diverse range of perspectives and voices involved in the decision-making process.

Furthermore, Africa should also take into account its values and beliefs, and ensure that they are not being overlooked or disregarded in the pursuit of technological advancement.

  1. Control and Regulation of AI

The control and regulation of AI refers to the various measures put in place to ensure the safe and responsible use of artificial intelligence technology.

This can include guidelines for the development and deployment of AI systems, as well as laws and regulations that govern the use of AI in specific industries or applications. Some of the key concerns that are addressed through AI regulation include issues related to privacy, security, and the potential for AI to impact jobs and the economy.

Additionally, there are also ethical concerns related to AI, such as the potential for AI to perpetuate bias or make decisions that negatively impact certain groups of people.

Several guidelines have been proposed for the development and deployment of AI systems, including explainability and transparency, fairness and non-discrimination, human oversight, safety and robustness, privacy and security, continuous monitoring and improvement, accountability, human rights, societal and environmental well-being, and human-centred values.

These guidelines aim to ensure the safe and responsible use of AI, but there is no one regulatory body overseeing their implementation.

There are currently a limited number of laws and regulations specifically governing the use of AI, but as the technology continues to advance and its impact on society becomes more significant, more laws and regulations are likely to be developed. Some examples of existing laws and regulations that govern the use of AI in specific industries or applications include:

  • Health Care: The US Health Insurance Portability and Accountability Act (HIPAA) regulates the use of AI in healthcare by protecting the privacy and security of patient data.
  • Finance: The General Data Protection Regulation (GDPR) in the European Union regulates the use of AI in finance by protecting the privacy and personal data of individuals.
  • Autonomous vehicles: The National Highway Traffic Safety Administration (NHTSA) in the US has issued guidance on the safe testing and deployment of autonomous vehicles, which includes requirements for data recording and sharing, cybersecurity, and human oversight.
  • Employment: Many countries have laws that prohibit discrimination in the workplace, which can apply to AI systems used in the hiring process or the management of employees.

These are just a few examples, regulations may vary from country to country, and it is important to keep in mind that laws and regulations are always changing as technology advances and society’s understanding of it evolves.

  1. Conclusion

As Artificial Intelligence (AI) continues to evolve, it is expected to have a significant impact on how we live and work. Many people look at the development of AI with a positive outlook, I share that sentiment but also with concerns. I believe that it is like opening a box of unknown consequences that humanity will regret.

I am worried that there are no worldwide regulations and control systems in place to govern the design, development, and application of AI. Without these, we can’t ensure that AI will be safe for humanity. Moreover, I do not see any significant efforts being put into implementing Asimov’s laws of robotics, which could be used to ensure safety features are built into AI systems.

The ethical implications of AI must be taken into account by society, and its creation and application must be consistent with human values. This may involve creating regulations and guidelines for the use of AI, as well as investing in retraining programs to assist individuals whose jobs are at risk of being replaced by AI.

Overall, the integration of AI is a complex issue that requires a thorough understanding of the potential benefits and risks of this technology. It is essential for society to have open and honest conversations about the implications of AI and to collaborate to ensure that its development and use align with human values and promote the well-being of all individuals.

Woherem is a highly respected industry professional and alumnus of Harvard Business School, wrote in from Abuja, Nigeria


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Chams Carves Out Subsidiary to Support Africa’s Digital Transformation

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Chams Holding Company Plc, (Chams Holdco), digital payments and verification firm, has created a new subsidiary which is expected to strengthen the push for Africa’s digital transformation.

Chams Carves Out Subsidiary to Support Africa’s Digital Transformation

The creation of the new subsidiary, ChamsCorp Plc, which took effect from February 1, was made known in a filing to the Nigerian Exchange Limited , according to an announcement.

Chams said that the new subsidiary, which is its 5th, will give a new dimension to its more than 40 years of work in building the digital ecosystem not only in Nigeria, but across the continent and the rest of the world.

The newly created company will focus on three major aspects, namely the manufacturing of digital devices and development of digital infrastructure and services; data center design, construction and operations, and the development and implementation of AI infrastructure and intelligent systems.

It will also contribute to its parent company’s digital ID, digital verification, and trust services offering.

“For nearly four decades, we’ve enabled trust in transactions and identity. Now, we go furthe”

Chams is expanding into AI, data centre infrastructure, and intelligent systems, building the backbone for Africa’s digital transformation,” the company wrote in a LinkedIn post.

“We are not just participating in the future. We are engineering it,” the message added.

According to the Chams announcement, a decision of its Board of Directors appointed members of the pioneer board of ChamsCorp Plc, with renowned banker Mohammed Bashir Yunusa designated as Chairman.

He is described as a well-known finance expert who specializes in deal structuring, corporate and retail finance, business strategy, digital transformation, and Islamic Finance and Banking.

With more than 10 years of experience in the financial services industry, Yunusa currently serves as head of Consumer and Digital Banking for Non-Interest Banking Retail at Sterling Bank Nigeria, and will also serve as a non-executive director on the board.

“Chamscorp is designed to take our most ambitious ideas to market at speed and scale. As Africa’s digital economy evolves, we are focused on delivering transformative solutions that empower governments, businesses, and citizens alike,” Femi Oyenuga, CEO, Chams, commented on the development.

Chams has over the years played a major role in contributing to Nigeria’s digital ID ecosystem development to facilitate access to financial services.

In 2023, the company Group Chairman publicly stated that in providing such digital services to the Nigerian government, it had incurred debts estimated at $100 million and were planning to change their business model as a result.


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Nigeria, South Africa Drive Stablecoin Spending in Africa

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Africa has emerged as the global frontrunner in stablecoin adoption, with Nigeria and South Africa leading the charge with the fastest adoption rate, as transactions surge across the continent.

This is according to the Stablecoin Utility Report, compiled by YouGov on behalf of fintech firm BVNK.

The study, conducted in partnership with Coinbase and Artemis, surveyed over 4 600 early adopters and crypto-natives in 15 countries across five continents.

It shows people are turning to stablecoins to move money more quickly, securely and affordably – and how this shift in behaviour is becoming a worldwide trend beyond its roots in the Global South.

Stablecoin adoption is accelerating particularly rapidly across Africa in 2026, driven by currency volatility, high inflation and the need for cheaper, faster cross-border payments, it finds.

The Stablecoin Utility Report shows that 79% of African respondents hold stablecoins − the highest ownership rate globally − while 76% say they intend to acquire them in the near future.

Nigeria and SA lead the continent in everyday stablecoin spending, highlighting a shift from holding digital dollars as a store of value, to actively using them for commerce.

The appetite to be paid in stablecoins is even stronger: 95% expressed interest in receiving income via dollar-pegged digital assets, whether for salaries, freelance work or cross-border services, according to the study.

Anthony Yim, co-founder and CEO of crypto research firm Artemis, explains: “We’re experiencing a significant behavioural shift in the way people are using stablecoins.

“Crypto natives and early adopters are fully on board with stablecoins, using them to pay and be paid. This is driving mainstream, global adoption – stablecoin supply has increased 500% over the past five years. Alongside the passage of multiple legislation initiatives in numerous countries, it’s clear we’re experiencing a tipping point.”

From hedge to household spending

Unlike in some developed markets where stablecoins are viewed primarily as a payments upgrade, African users are deploying them as practical financial tools. Key use cases include hedging against inflation, facilitating remittances and funding day-to-day purchases.

The report finds that 92% of African respondents say the condition of their national economy directly affects their stablecoin usage − a reflection of currency volatility, capital controls and high remittance costs across several markets.

Africa also recorded the highest likelihood globally (89%) of users adopting stablecoin-linked debit cards, signalling demand for tighter integration between digital assets and traditional payments.

Infrastructure, not ideology

Taken together, the findings reinforce a broader thesis: stablecoins are evolving beyond a payment method into payments infrastructure, states the report.

For individuals, this means receiving income faster and at lower cost. For businesses, it enables borderless treasury operations and supplier payments. For financial platforms, it opens opportunities to embed stablecoin wallets, debit cards and cross-border settlement into core offerings.

This demand for institutional-grade integration is evident globally, with 77% of survey respondents saying they would open a stablecoin wallet if offered by their primary bank or fintech provider.

As adoption deepens in Africa and regulatory frameworks mature in developed markets, the data suggests stablecoins are no longer a niche crypto product − but a structural layer in the future of global money movement, notes BVNK.


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Kaspersky Reports 15% Growth in Malicious email Attacks in 2025

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According to Kaspersky telemetry, almost every second email – 44.99% of global traffic – was spam in 2025. Spam consists not only of unsolicited emails, but can also include various email threats such as scam, phishing and malware.

In 2025, individuals and corporate users encountered over 144 million malicious and potentially unwanted email attachments, representing a 15% increase compared to the previous year figures.

In 2025, APAC had the largest share of email antivirus detections: it reached 30%, followed by Europe with 21%. Next came Latin America (16%) and the Middle East (15%), Russia and CIS (12%) and Africa (6%). As for individual countries, China had the highest rate of malicious and potentially unwanted email attachments, with the share of email antivirus detections of 14%. Russia ranked second (11%), followed by Mexico (8%), Spain (8%) and Turkey (5%).

Email antivirus detections peaked moderately in June, July and November.

Key trends in email spam and phishing

Kaspersky’s annual analysis has also identified several persistent trends in the email spam and phishing threat landscape that are expected to continue into 2026:

  • Combination of various communication channels. Attackers lure email users into switching to messengers or calling fraudulent phone numbers. For instance, scam investment mailings may redirect victims to fake websites, where they are asked to provide their contact information, and then cybercriminals will follow up with a phone call.
  • Usage of diverse evasion techniques in phishing and malicious emails. Threat actors frequently try to disguise phishing URLs, for example, with the help of link protection services and QR codes. These QR codes are often embedded directly in email bodies or within PDF attachments, which not only conceals phishing links but also encourages users to scan them on mobile devices, potentially exploiting weaker security measures than corporate PCs.
  • Mailings exploiting diverse legitimate platforms. For example, Kaspersky experts discovered a fraudulent tactic that abuses OpenAI’s organisation creation and team invitation features to send spam emails from legitimate OpenAI addresses, potentially tricking users into clicking scam links or dialing fraudulent phone numbers. Additionally, a calendar-based phishing scheme, which originated in the late 2010s, resurfaced last year with a focus on corporate users.
  • Refining tactics in business email compromise (BEC) attacks. In 2025 attackers attempted to become even more persuasive by incorporating fake forwarded emails into their correspondence. These emails lacked thread-index headers or other headers, making it difficult to verify their legitimacy within an email conversation. 

“Email phishing shouldn’t be underestimated. Our report reveals that one in ten business attacks starts with phishing, with a significant proportion being Advanced Persistent Threats (APTs). In 2025, we saw an increase in the sophistication of targeted email attacks. Even the smallest details are meticulously crafted in these malicious campaigns, including the composition of sender addresses and the tailoring of content to real corporate events and processes.

“The commodification of generative AI has significantly amplified this threat, enabling attackers to craft convincing, personalised phishing messages at scale with minimal effort, automatically adapting tone, language and context to specific targets,” comments Roman Dedenok, anti-spam expert at Kaspersky.

 


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