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E-Business

Unlocking eCommerce Growth Through Accelerated Reinvention in the Digital Age

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By Raphael Afaedor

Embracing innovation, and rethinking service capabilities – these are part of a vast realm of possibilities that have been opened across Africa through adoption of e-commerce, and for tech start-up companies, the opportunities are endless.

As African countries increasingly embrace the expansion of digitisation, and products producing more access to the newer Internet of Things (IoT) technologies – one thing is clear, reinvention is possible for any sector.

It isn’t only possible – it may even be necessary for optimization and innovation to thrive, and to solve for developmental challenges through digital solutions.

Investor sentiment is also heavily leaning towards digital offerings that can propel Africa forward in the tech space, and according to reports, around 90% of Africa’s tech investments are won by four countries: Kenya, Nigeria, South Africa, and Egypt.

Kenya is seemingly leading the charge as investor sentiment is also crucially being met with the backing of political will, as the country is set to introduce its Start Up Bill this coming year (2023) to further encourage growth and sustainable development and new entrepreneurship in the tech space.

Investor confidence in innovations created by Africans is also birthing more room and opportunities for more players in the ecosystem.

We also can see now how digitisation is already playing a considerable role in optimizing and formalising the informal market sector – particularly mom-and-pop stores. They now have the resources – through platforms such as Kyosk.app]– where informal retail traders have more direct access with Fast-moving Consumer Goods (FMCGs) companies and their distributors, thus solving not only historic structural supply chain challenges but also the stock-outs of products too.

Today, the company boasts a database of over 300,000 such outlets in its database across Kenya, Tanzania, Uganda, and Nigeria.

However, in a landscape that is ever-evolving and innovating – the question follows, “what’s next?”

According to data released by mobile industry insights company, Global System for Mobile Communications (GSMA), there will be 400 million new mobile subscribers from frontier markets in the Asia Pacific and Sub-Saharan Africa by 2025.

By then, the total number of subscribers is expected to jump to 5.7 billion people, representing 70% of the world’s population.

Technology is certainly more ubiquitous and data is becoming increasingly affordable for many African countries.

Digital companies are now being challenged to not only offer the efficient delivery of services, but also, a broader scope of value-adding products too.

A service offering may begin as one aspect and end up reinventing the entire wheel based on forward thinking innovation and consumer demand.

Solving for delivery efficiencies in the informal retail industry is one step in the chain as an example, but opportunities to create linkages in that chain that creates better value for both businesses and consumers broadens the realm of possibility.

Developers now have the possibility to not only create a direct link between informal retail outlets, FMCGs, and their distributors – but also on the other side of the coin, FMCGS and distributors, also have a clearer picture of their product’s coverage in the market.

Added to that, by working directly with FMCGs and their distributors, platforms such as Kyosk.app also have the benefit of being able to aggregate demand. Essentially, this means that the platform is able to buy products at the lowest prices possible and pass on those savings to their clients making them more competitive.

And it doesn’t stop there – with access to actual databases and trading histories, the growth of mom-and-pop stores can be propelled through having solid data on which to approach credit providers for access to working capital loans.

One of the ways Kyosk.app is excited to be expanding our own offering, and thus expanding efficiencies for both consumers and businesses – is through making access to micro-insurance products possible.

This is also coupled with our offering of affordable credit solutions for informal traders or rather, dukas, where owners are able to stock products for their stores and pay off their balances later.

Being digitally driven, the proficiencies of the app also enable using recorded data to predict what will sell for dukas and advise owners on what they should stock in order to increase their revenues and profits.

The future for African tech is a growing and exciting space to be in, and what we’re learning is that through shaping our user’s journey, we’re shaping what is possible for the rest of the continent.

Raphael Afaedor is CEO of Kyosk.app Digital Services


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E-Business

NIMC Plans to Register 95 Percent Nigerians by December

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Abisoye Coker-Odusote, director general, National Identity management commission (NIMC) has said that the commission is set to register 95 percent of Nigerians into the National Identity Database before December 2025.

NIMC Plans to Register 95 Percent Nigerians by December

Abisoye Coker-Odusote,, DG, NIMC

She made this statement at a press briefing to highlight the commissions goal aligns with President Bola Tinubu’s Renewed Hope Agenda, particularly on digital governance and inclusive development.

The mass enrollment drive will be powered by a combination of improved infrastructure, expanded registration centres, and robust public sensitization campaigns.

As of May 2025, NIMC reports over 120 million Nigerians have been enrolled, and about 100 million more would be captured by December.


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Farmers to Get Identity Card for Loans, Inputs

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The federal government, in collaboration with the International Fund for Agricultural Development (IFAD), is building a digital registrar that will identify farmers, their farmlands, type of soil and the crops they grow for targeted services.

Farmers to Get Identity Card for Loans, Inputs

The information and the National Identification Number (NIN) will be integrated into a multipurpose identity card that farmers can use to access financial services, inputs and other forms of government assistance.

The digitisation is expected to harmonise farmers’ data across all the 36 states and the Federal Capital Territory.

Speaking at the national launch of the Policy Dialogue Initiative on the National Digital Farmers Registry (NDFR) recently in Abuja, Dr Marcus Ogunbiyi, permanent secretary, Federal Ministry of Agriculture and Food Security (FMAFS), said the new system would address the issue of portfolio farmers, whom he described as “farmers who have no farm.”

“We are going to register farmers and their farms. Not only that, farmers and the type of crop they grow, farmers and the locality they are, the type of soil they have on their farms. There is no farm that will not have a farmer. But there are many farmers who do not have farms.  This is an encompassing package.

“When we register these farmers, we are going to provide a physical and digital card for them. With the card, many things can be done by the farmers. It can be used as a means of identification, an asset to some gateway – just anything.  It is going to have a handshake with the database of the country, such that with that particular card, the farmer can enter any place and get things done. He or she can redeem inputs and even get a loan, depending on the financial entity,” Ogunbiyi explained.

He said that to accomplish this, the Federal Ministry of Agriculture and Food Security has taken decisive steps to transform their approach to farmer data management, adding, “Chief among these is our strategic partnership with the National Identity Management Commission (NIMC) to implement a far-reaching farmer registration and database project.  At the heart of this initiative is the integration of the NIN, which ensures that every Nigerian farmer is uniquely identified and seamlessly integrated into a national agricultural system.”

Mrs Dede Ahoefa Ekoue, country director/representative of the IFAD in Nigeria, said the United Nations (UN) organisation was proud to be part of the initiative on the National Digital Farmer Registry in Nigeria.

“Our role is to convene all the partners, development partners from the public sector, private sector and the international community to put our resources together to support the effort of the government in establishing and enabling a digital farmer registry for the country,” she said.

Mrs Ekoue said that although there were previous efforts to have a national database of farmers, it had the issues of fragmentation and sustainability.

“The government is now providing us with a sense of direction and matching orders to all the actors to work together. This is what we are doing today with several partners, including the African Development Bank, FAO, the World Bank, the EU, the Islamic Development Bank and UK. Also, what is very key is farmers’ organisations because it is about them, it is for them, it must be with them,” she added.

The country director said the IFAD was happy to bring together the private sector and different ministries, departments and agencies, adding, “It will be a game changer for having a strong, updated and sustainable national digital farmer registry.”

Dr Lekan Tobe, the country director of Heifer International in Nigeria, in his remarks at the official launch of the Policy Dialogue Initiative on the National Digital Farmer Registry, emphasised the critical role of partnership and data in transforming Nigeria’s agricultural sector.

He said that this initiative, born from recommendations of previous policy dialogues organised in collaboration with the federal government, aimed to scale up innovative digital technology to enhance food systems across the country.

 

 


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Dyna.Ai Launches Operations in Nigeria

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Dyna.Ai, a global leader in AI-as-a-Service (AIaaS), has launched its operations in Nigeria with an exclusive closed-door ‘Nigeria Dyna Day’ event in Lagos, which saw the introduction and orientation of its suite of AI-powered products and solutions to Nigeria’s emerging financial ecosystem.

Dyna.Ai Launches Operations in Nigeria

The event, tagged ‘Nigeria Dyna Day’ and themed “AI Unleashed: Revolutionising Nigeria’s Financial Future,” brought together leading voices from the country’s AI, financial, fintech, telecom, and other key sectors, including representatives from government agencies and major enterprises.

In his opening remarks, Tomas Skoumal, chairman and co-president of Dyna.Ai,  emphasized the strategic importance of Nigeria and the broader African market, stating, “For us, it makes sense to start in Nigeria.

There is no bigger country in Africa—this is where the momentum is.” He noted that Africa is no longer just “the future,” but is actively transforming today, driven by rapid digitalization and fintech innovation.

“This is the perfect time to be here,” he added, highlighting that Dyna.Ai sees technology as a vital bridge to financial inclusion and long-term growth across the region.

Skoumal introduced Dyna.Ai’s advanced Agentic AI solutions, including its proprietary Agent Studio and industry-specific language models, designed to power intelligent automation across customer service, marketing, collections, HR and more.

He also underscored the company’s long-term ambition to invest in local talent, stating, “We’re not just here to sell a product—we’re here to build infrastructure, create local jobs, and scale innovation from Nigeria to the rest of Africa.”

Dyna.Ai also showcased its advanced AI technologies at the event, including AvatarGPT, an AI digital human delivering interactive experiences; VoiceGPT, a voice agent featuring authentic local accents for seamless communication in Yoruba, Hausa, and Igbo; along with live demonstrations showing how these innovations empower customer engagement and employee experience.

Delivering the keynote address at the event, Tokoni Peter Igoin, Special Assistant to the President on ICT Development and Digital Innovation, underscored the Federal Government’s vision for a secure and forward-thinking digital ecosystem.

“The government of the Federal Republic of Nigeria, under the visionary leadership of His Excellency, President Bola Ahmed Tinubu, is fully committed to responsible innovation. Our approach to AI and financial technology is rooted in a positive framework. It encourages creativity while ensuring transparency, data protection, and digital security”, he said

Also in his remarks, Olatunbosun Alake, Lagos State Commissioner of Innovation, Science and Technology,  gave insights from the government/regulatory perspective.

He announced that the Lagos State government is also taking steps towards the wide adoption and regulation of artificial intelligence in the state with the planned release of the first AI guidelines for the deployment and management of AI in the coming weeks.

 

 

 


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