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Use of Electronic Payment Card Based on Integrity- Adeniji

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Jonathan Adeniji is the managing director/chief e-business strategist of Isocket Limited, an e-business evolution strategy and design consulting firm. He is a certified internet webmaster professional (CIWP), a Microsoft certified system engineer (MCSE), an associate member of the international e-business group and a member of other international certified bodies. He has worked with Cybercreate, a chip and web designing company and with Silvernet Limited. He spoke to funmi ilesanmi.

Automated Payment Software
With the advent of the bus rapid transit (BRT) system, we made a proposition to the operators to produce automated cards for them. The proposed card is called Crystal card which is yet to be implemented. There is what is called pay-as-you-go where you load the amount of money worth where you are going. The BRT has the blue line and the red line so if you are crossing from the blue line to the red line, it will cost you a N100. As you are entering the bus, there is a terminal in the bus that will mark the point of entry and the point of exit. This will be automatically deducted from the card instead of buying tickets or paying cash.
We also do electronic automated toll gate for institutions. In the United Kingdom, wherever you park, you pay but here in Lagos, people park anywhere without paying. If the government wants to generate more funds, there should be an automated car park system whereby wherever you park your car, you pay through the ticketing sytem.
Fraud in the System     
The use of electronic payment card is based on integrity. In advanced countries, credit cards are used in making transactions online. Even here you see people design a website, asking you to pay via your e-tranzact or interswitch card, all they are out to get is your pin number. We in the e-commerce business that is, the e-payment portal, we have a secure socket layer called SSL.  It is the security that protects your pin or credit card online. That is why I advice anyone who wants to make payments online that if he or she does not see any portal with SSL, he or she should not release his or her pin or credit card code on the site but any site with SSL security system is secure, no hacker can hack into it because over time it has been approved.
I do not want to bring down the banks running the ATMs but the system has not been properly run. We are developing software to curb ATM fraud. We are working on it and working with our technical partners to see how ATM fraud can be curbed. For now, I will advice that if you want to dispense cash from the ATM you should protect your pin, do not allow anybody steal your pin. Moreover, there has been a whole lot of complain about malfunctioning of ATMs. When someone types the amount he or she wants to withdraw, the ATM ejects the card without dispensing the money but the money had already been deducted from the account. I believe this is a malfunction system from the banks and to use your ATM card, protect your pin. That is why you see the advert, memorize your pin, and let it be in your brain.
Migration to Chip & Pin
The Central Bank of Nigeria (CBN) directive is a welcome development. It is a biometric card where all your information is stored. It could be your fingerprint, your thumbprint or your palm depending on whichever way you want your password. Some use the eye. I remember I was able to access a code sometime using my eye as my password. Without my eye, no one can gain access to my account. I used my eye as a biometric access. When I read about the CBN ordering banks to migrate to chip and pin, we then started working with our technical partners to see how we can develop software that would aid banks in running this system. Most banks are working on it but we are trying to see how we can work with transaction companies like e-tranzact, Chams, interswitch and Visa to see how possible our software can work with these companies in line with the directive.
Competition
We just moved to Lagos and we have been coping with the competition. The market is huge and highly competitive but still anywhere you find yourself, you can still make a head way.
Reliability of software
Let me put it this way 99.999 percent reliability on all our software. We believe everything we do is tested and proven. People who use our software can attest to this and are also recommending us to others.
Driving Traffic
Over the years, we have been creating awareness on our products and services. We are an e-business evolution strategy and design company to the core. We deal on e-business transactions, anything electronic cards like enterprise solutions, software development, that is what we are into.
Support
We give 24 hours support, 365 or 366 days as the case may be. You can chat with our technicians online or put a call through to our customer care line. We are available anytime, anyday because we put our customers first.
Dearth of manpower
Here in Nigeria, there is a problem of IT manpower. Most companies are migrating to other countries with steady power supply because running cost here is high. A typical example is this, I believe when you came into the compound you saw that the generator was on. It has been on since 7.30am and is still running. Throughout this week, we have been running on generator from morning till 6.00pm and sometimes 8.00pm. One of the reasons is power supply. Two is the indiscriminate use of IT experts. I have people who are certified IT experts but chose to work abroad because of the pay. If you are a Microsoft System Certified Engineer (MSCE) in the United States of America, you are rated high and your pay in any company you work for is high. But here in Nigeria, I have seen a whole lot of Cisco certified experts roaming the streets without jobs. That is why most experts choose to work abroad where they will be most valued.
Correcting the Mishap
What I think the government can do is to start from the private sector. People should recognize the use of ICT in their business because most people are illiterates in the use of ICT. There are a whole lot of people who have the knowledge of ICT but do not see the value in it. I see no reason for people for people not to see the value of NCSC or Oracle system engineers. I do not want to mention names but I have seen people pay an oracle certified engineer peanuts. Nigerians should see the value in these certified experts. Most people are acquiring knowledge, they are updating their knowledge but are discourage because people do not see the value in what they do; so they choose to travel broad where they will be valued and adequately paid.
Support for Indigenous Software Developers 
The government should encourage us local software companies. Most software used by the government itself is developed by foreigners but they should in one way or the other try to encourage us local software developers. The Nigerian software group is trying to project our image to that level. I guess with time, people will believe in made in Nigeria products and that is one area of challenge.
Training
We train people in software development on demand. We train one or two staff of a company on the use of any software we develop for the company.
About Isocket
Isocket is an e-business evolution strategy and design consulting firm. We are also service oriented architecture or built in business specific software company. We are actually a software design company and software is needed to drive every business in Nigeria. With the isocket enterprise solution software, every business can drive on the wheel of our software to drive their businesses. As an indigenous software company, we design software for organizations. Our uniqueness lies in building specific enterprise solution software to suit any business. We look into your business, we strategize and we design software that best suits the company to boost productivity, meet compliance goals and bring competitive advantage to the business.
Challenges
One of the challenges is that most Nigerians do not understand the use of enterprise solutions software in running their businesses but we are trying to make them understand.
Future of Isocket
In the next five years, I see isocket covering 85 to 90 percent companies using our enterprise solutions. Our vision is to be the preferred e-business consulting and enterprise software solutions company providing e-business and enterprise software solutions to individuals and corporate bodies as a technological leader in the world of information and communication technologies solution.


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Court Jails ‘Colonel’, ‘Major’ of Global Money-Laundering Ring

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A “colonel and a major” in a “worldwide highly sophisticated money-laundering syndicate on a breathtaking scale” have been jailed for nine years and 7 and half years respectively.

Court Jails ‘Colonel’, ‘Major’ of Global Money-Laundering Ring

Ejike Francis Ogbuefi (42) of Clonard Road, Crumlin, Dublin 12, and Steven Silvester (32) of the Paddocks, Morristown, Newbridge, Co Kildare, were both convicted of directing the activities of a criminal organisation following a trial at Dublin Circuit Criminal Court in February.

Ogbuefi was also convicted of 32 counts of money laundering and seven of conspiracy to launder money.

The jury also convicted Silvester of five counts of money laundering, two of attempted money laundering, four of conspiracy to launder money and one of using a false instrument.

Both defendants had no previous convictions here or in another jurisdiction.

The court heard that both men were assessed to be above mule herders and money mules in the operation, with Ogbuefi having a more active role.

During the sentence hearing, Judge Martin Nolan suggested to the investigating garda that the men were a “colonel and a major”, which Det Garda Steven Kelly agreed with.

Imposing sentence on Friday, the judge said both men were involved in the offending and played certain roles.

He noted that the scheme’s ambition was to “get accounts to launder illicit monies” which were “undoubtedly the product of criminal behaviour” and that third parties unknown to the court suffered as a result.

“Both men were reasonably experienced in how the banking system works” and aware of its weaknesses which they tested, sometimes successfully, the judge said.

The judge said he had considered the mitigation and there was a “good chance” the men would not reoffend in future, but that the court could not be certain.

The judge noted that money laundering is a “serious problem” and the court often dealt with cases of people who provided their bank details to be used in these schemes.

“These bank accounts are absolutely necessary for all fraud, because monies have to come to earth somewhere,“ the judge said, noting that the defendants’ main role was to procure bank accounts so that money could be sent to others who profited.

He imposed on Ogbuefi a sentence of nine years and imposed a 7½ year sentence on Silvester, whom he considered to be at a lower level.

Kelly told Seoirse Ó Dúnlaing, prosecuting, that the Garda investigation looked at various bank accounts, transactions and online communications.

Evidence suggested both men were receiving requests, often from phone numbers in Nigeria, to launder money from different types of frauds.

Kelly agreed with Conor Devally, defending Ogbuefi, that his client is from Nigeria and his family is law-abiding.

Garda Kelly agreed with Maurice Coffey, defending Silvester, that his client became involved in this criminality some time after his arrival in Ireland in 2015 and had no record of shopping in high-end stores or trappings of wealth.

It was also accepted that Ogbuefi appeared to have a more active role than Silvester.

Defence counsel told the court their clients accepted the verdicts of the jury and were remorseful.

Testimonials were handed to the court on behalf of both men.

Mr Devally asked the court to view Ogbuefi as being “appointed to a position of local authority in a wider organisation”.

Mr Coffey said Silvester was under pressure and desperate at the time.

He asked the court to consider that his client did not come to Ireland to get involved in this offending, but fell into temptation at a time of vulnerability.


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Activist Warns against Rising Junk Food Culture in Nigeria

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Nnimmo Bassey, environmental activist and food sovereignty advocate has raised concerns over the growing influence of junk food culture and global food politics on Nigeria’s food systems.

Activist Warns against Rising Junk Food Culture in Nigeria

Nnimmo Bassey, environmental activist

Bassey warned that the increasing consumption of highly processed foods poses serious risks to public health, cultural identity, and national food security.

He made these remarks on Thursday while speaking at the Sustain-Ability Academy lecture on Food, Power and the  Politics of Hunger, organised by the Health of Mother Earth Foundation in collaboration with the University of Port Harcourt.

“Food is not just for sustenance; it is central to our identity, our relationships, and our traditions,” he said.

He explained that traditional diets reflect the diversity of Nigeria’s ethnic groups and have historically fostered unity within communities.

Bassey traced the evolution of food systems in Nigeria, highlighting how colonialism, commerce, and conflict have reshaped local diets.

He referenced the Nigerian Civil War as a turning point when food was weaponized, leading to widespread malnutrition and long-term dietary changes, particularly in the Eastern region.

The activist criticized the rapid rise of fast food consumption, describing it as a product of modern society’s demand for instant gratification.

According to him, fast food outlets use sensory stimulation, bright lighting, loud music, and constant visual entertainment to distract consumers from questioning the nutritional value of what they eat.

“People leave with more than just a full stomach, they carry heavy metals, artificial colourings, and harmful substances in their bodies,” he said.

Bassey also expressed alarm over the increasing presence of genetically modified organisms (GMOs) in Nigeria’s food system.

He argued that such products, often introduced without sufficient scrutiny, could have long-term health and environmental consequences.

He further cautioned against the role of political leaders in normalizing unhealthy consumption patterns.

“When top politicians publicly consume junk food and sugary drinks, they send a dangerous message that such habits are acceptable or even desirable,” he said.

At the heart of his argument is what he described as “food colonialism” a system driven by global power dynamics, where economic pressures, debt, and cultural influence shape local food choices to benefit multinational corporations at the expense of local farmers.

Bassey called for a “decolonization” of food systems across Africa, urging governments and citizens to prioritize indigenous foods, protect seed-sharing traditions, and resist policies that undermine local agricultural practices.

He also challenged prevailing narratives around hunger, questioning whether food insecurity is truly a result of low productivity.

“In countries like Nigeria, nearly half of all food produced goes to waste. The issue is not just production, but distribution, policy, and power,” he explained.

The session concluded with a call for urgent reforms to ensure fairness, resilience, and sustainability in food systems, with a focus on supporting smallholder farmers and addressing the structural causes of hunger.


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Gartner Forecasts Surge in AI-powered Public Services

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At least 80% of governments will deploy artificial intelligence (AI) agents to automate routine decision-making, enhancing efficiency and service delivery by 2028.

This is according to market research firm Gartner, which highlights a growing shift toward digital governance, where AI-powered systems will increasingly handle repetitive administrative tasks, such as processing applications, managing public records and responding to citizen queries.

“Government chief information officers are under growing pressure to embed AI into decision-making capabilities rapidly and responsibly,” says Daniel Nieto, senior director analyst at Gartner. “The rise of multimodal AI, alongside conversational and agentic systems, has expanded what public organisations can automate, understand and anticipate.”

The Gartner report comes as South Africa is moving to embed AI into public administration, with early use cases emerging across service delivery, disaster response and internal operations, even as full-scale deployment of autonomous “AI agents” remains some years away.

The country’s National AI Policy Framework, released in 2024, has set the direction for adoption, with a comprehensive national policy expected by 2027.

Implementation is likely to follow from 2027 onwards, positioning the country for a more structured and regulated rollout of advanced AI systems across departments.

While South Africa has yet to deploy AI agents at scale, government and research initiatives indicate that agent-like systems are already taking shape.

Global use cases

Globally, governments are rapidly deploying AI agents to automate public services and internal operations, shifting from simple chatbots to systems that can execute tasks and coordinate workflows.

In the US, federal and city agencies are using AI agents to handle citizen queries, draft documents and manage call centres, while in China, autonomous systems are being integrated into administrative processes and urban management.

European governments are piloting AI-driven tools in policing and public service delivery, and in emerging markets, agentic platforms are being used to improve disaster response, financial inclusion and digital identity systems.

However, Gartner notes that fragmentation is one of the most persistent barriers to AI value in government.

According to a Gartner survey of 138 respondents from government organisations worldwide between July and September 2025, 41% of respondents cited siloed strategies and 31% cited legacy systems as key challenges to adopting and implementing digital solutions.

“Technology modernisation alone has not resolved these issues,” says Nieto.

The market analyst firm says as AI transitions from experimentation to being deeply embedded in decision-making, governance approaches must also evolve. It points out that traditionally, AI governance has centred on managing models, data and algorithms.

However, it states that decision intelligence (DI) shifts this focus towards the governance of decisions themselves; for example, on how they are designed, executed, monitored and audited. This shift in governance is especially critical in government, where public legitimacy relies on transparency and fairness, the firm explains.

Measurable impact

The Gartner survey found that 39% of respondents cited improved service and citizen satisfaction as primary reasons to invest in building citizen trust.

The firm notes that DI offers a structural foundation for operationalising this trust by making decision pathways explicit and auditable.

“By governing decisions, rather than just isolated AI components, governments can better balance automation with human judgement, particularly in high-stakes or rights-impacting contexts,” says Nieto. “Regulated industries and governments cannot rely on opaque ‘black box’ systems for consequential decisions. DI elevates explainability from a technical requirement to a governance imperative.”

Because of the need for transparency in decision-making, Gartner predicts that by 2029, 70% of government agencies will require explainable AI (XAI) and human-in-the-loop (HITL) mechanisms for all automated decisions that impact citizen service delivery.

Gartner explains that XAI and HITL designs are foundational to public-sector DI. These mechanisms ensure decision logic can be inspected, explained and challenged. Because of XAI and HITL, humans also retain authority over exceptions, appeals and high-risk cases, and accountability is preserved even as automation increases, it adds.

While efficiency remains important, Gartner says citizen trust in government’s ability to provide effective services is becoming a key driver of digital transformation. Fifty percent of government respondents cited improved citizen experience as one of their top three priorities.

“As AI and decision intelligence increasingly automate and streamline service delivery, the traditional notion of ‘citizen experience’ evolves,” says Nieto.

“When citizens receive what they need from the government automatically, direct interactions may decrease, making trust in the system’s reliability, fairness and transparency even more critical. Because trust is so imperative in these situations, the predictive capacity to anticipate potential needs could reshape how government digital services are delivered.”

 


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