General News
We Need Llegal Framework for e-Payments- Onajite

Regha Onajite is the executive secretary of E-Payment Providers Association of Nigeria (E-PPAN). She started her career in Aula Marina, an Oil and Gas Servicing firm, and proceeded to Citibank where she spent over three years in the operations department. Specifically she managed the customer service point of the bank’s e-purse product. Onajite later joined Intermarc Consulting Limited where she served in various capacities as a Partner. She was the conference director of Card Expo West Africa, an annual conference for cards and payments in West Africa. She was the pioneering Editor-in-Chief of Card Technology Africa Magazine, and the brain behind Card East Africa an annual conference introduced in her time for the collective representation of the East Africa region. driven by a bigger vision, Onajite left Intermarc to established Nexsmart Technology Limited, a training and consulting firm. She spoke to funmi ilesanmi.
Scope and Operations of e-PPAN
E-PPAN is the e-Payment Providers Association of Nigeria. Our vision is to become the most authoritative and respected industry forum for promoting e-payment and self service businesses in Nigeria. E-PPAN is a not-for-profit organization, established with the objective of providing a platform for all the stakeholders of the e-payment industry to interact and reach common agreement on various industry issues. The Association seeks to promote the development of appropriate standards; development of appropriate policies and legislation; dissemination of credible information; and capacity building for industry players. The e-payments industry is critical to the development of the Nigerian economy in general and the financial service industry in particular. It is therefore in the interest of all stakeholders that the industry should have a central body that would provide guidance during this crucial period. It is against this premise that a number of key industry players have come together to start up the Association.
The Coming of Mobile Money
All countries with ATM or credit card schemes have the challenge of fraud and Nigeria is not an exception. With every new payment technology comes new security implications and threats. As more transactions are done on the payment platform, there will certainly be an increase in the number of fraud to be experienced. It becomes the responsibilities of operators and regulators to ensure that this is kept at a minimal level. I will like to assure you that the operators are aware of this and they are putting everything in place to ensure the safety of the consumers. The regulators of the financial industry , I mean the Central Bank of Nigeria have already issued guidelines for mobile payments ahead of the growth of mobile banking. If these guidelines are adhered to and if consumers try to understand the risk involved and take precautions then everyone will be fine.
Tackling e-Payment Fraud
Let me first define fraud as an amalgam of actions and inactions designed purposely to dispossess the rightful owner(s) of the gains and benefits of his wealth, money or position. The Association is working hard to ensure that e-payment fraud is limited to the barest minimum. The truth is as long as fraudsters exist they will continuously devise new ways to perpetuate their acts. We cannot totally eliminate them. But what we are doing is equipping our members to be alive to their responsibilities. We organize trainings, conferences, fora and so on where operators learn about latest and possible trends in fraud. They also learn about available methods and skills to combat fraud. And when these are put in place then the cases of fraud will reduce. In a few months, we have scheduled an interactive forum for our stakeholders to meet and interact on the issue of fraud. This will happen during one of flagship event, The E-PPAN Techno-Interactive Forum. It is the most significant payment industry event which holds quarterly in Nigeria with focus on addressing specific issues that affects the e-payment system landscape. The forum attracts decision makers and leaders from within and outside Nigeria. This series is dedicated to exploring the strategies for preventing fraud and tackling the menace of fraud. This will be holding in Lagos on the 28th of October, 2010. Typical of our programmes, we get the best in the industry within Nigeria and invite experts from outside Nigeria to share experiences.
Rejection of Nigerian Issued Credit Cards by Merchants outside Nigeria
In a short while this will soon be history. It has to do with our overall image, not just our payment system. The card companies are strengthening their standards and we are tending towards international best practices. This will help us a lot. The nation itself has embarked on re-branding campaign it will rub off on us too. Meanwhile, E-PPAN is building relationships with other nations and their payment associations. Payment is a global phenomenal, we can’t be an island. In a matter of time they will begin to see the good in us. You see, we have over 140million people and the world market needs us. We only need to assure them that the average Nigerian is not a fraudster. With relationship like we are building, the wrong image they have about us will gradually give way.
Can the National Central Switch (NCS) Adequately Tackle Interoperatability Challenges?
The National Central Switch will adequately tackle interoperability. The switch is only a technology. Once we have the buy in and goodwill of stakeholders, then we can make it work the way it suits Nigeria. As I always say, technology is the easy part.
Challenges Facing Deployment of PoS Terminals and Addressing It
The challenges facing PoS deployment are very numerous. We had to organize a Techno-Interactive Forum in April, where experts of local and international experience gathered together and x-rayed the issues. At the event we agreed that the issues will not be resolved talking. So, E-PPAN set up a committee to look into these challenges. The issues could be overwhelming but stakeholders are determined to break through these challenges and make PoS work. The Committee had about 16 members and we came up with a white paper which we have submitted to the Central Bank Management through the Deputy Governor Operations, Mr. Tunde Lemo. You see, the CBN has a very great interest in seeing PoS being used as a channel for payment and they have declared their desire to work with us in our drive for PoS. So we have a very strong team pushing this dream.
We have recommended quite a number of solutions to the CBN and they have gracefully accepted to work with us. What we have realized is that in Nigeria, we tend to say the Government has not done this or that, but the truth is that we are the government. If you think there are things that need to be done. Then do it. Play your part. We need to chart the course. Another major challenge for PoS is the issue of Data Communication. E-PPAN has set up another 10 man committee on this and we are working with the CBN to bring all stakeholders to the table and find lasting solutions to the problem. This cannot be done without the NCC, so they will be involved. We are also working with some Telecommunications companies on this.
Igniting a Revolution in the Nigerian e-Payment Space
Firstly, we need to put frameworks in place. We need to know the processes. We need to know the rules. There should be legal framework which will give a backing to e-payments. The Central Bank is already pursuing a bill on the National Payment System which should take care of that. Next, the level of infrastructure needs to be improved upon. The Association is already taking steps to tackle the challenge of data communication. Then generally there should be a shift in culture towards e-payment, this will come about through massive campaign targeted at awareness creation. E-PPAN is working on the expertise development of man-power in this field. There is a huge gap in this regards.
Future of e-payment in Nigeria
The future for e-payment in Nigeria is huge. E-Payment is the future for payment here. It cannot be anything less.
How has E-PPAN, a non- profit organization being able to fund its programmes and conferences?
We depend on the generosity of our benefactors for funding. Sometimes we also get sponsors for some of our major programmes.
General News
Court Jails ‘Colonel’, ‘Major’ of Global Money-Laundering Ring

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.

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.
General News
Activist Warns against Rising Junk Food Culture in Nigeria

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.

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.
General News
Gartner Forecasts Surge in AI-powered Public Services

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.”
E-Financial3 days agoCBN Introduces Stricter BVN Rules to Curb Fraudulent Transactions
E-Financial3 days agoBinance is Missing from Ghana’s Crypto Sandbox
News3 days agoNigeria, UK Sign £746M Landmark Ports Deal
E-Financial3 days agoWorld Bank Debars 3 PwC Subsidiaries for 21 Months over Alleged Project Fraud
News2 days agoAfrican Tech Start-ups to Receive $46m of Speedinvest Africa Fund
Telecom2 days agoCourt Bans Kenyan Telcos from Recycling SIM Cards
E-Financial2 days agoProvidus Bank Fully Meets CBN Capital Requirement, Sets Record Straight
E-Financial3 days agoQuest Merchant Bank Named Transaction Advisor for Nigeria’s Landmark Project BRIDGE Digital Infrastructure Initiative










