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Why & How We Engaged MasterCard in eID Card- NIMC

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(L-r): Daniel Monehin, division president, Sub-Saharan Africa, MasterCard, Barrister Chris Onyemenam, director general of NIMC, Bayo Adeokun, MD/CEO, Electronic Payplus Limited and Justin Ijeh, head, Card Product, Access bank, during media session on eID card held in Lagos on Monday.
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National Identity Management Commission (NIMC), has explained MasterCard’s involvement in the national identity registration programme, while refuting claims, in several quarters, of adequacies regarding the card’s payment components.

President Goodluck Jonathan had on August 28, 2014, heralded the official launch of the eID card pilot scheme.

As part of the pilot phase, NIMC has started to issue identify cards with MasterCard’s electronic payments functionality, which raised eyebrows among stakeholders in the IT and financial sectors of the economy.  

Speaking in Lagos during a media roundtable, Chris Onyemenam, director general of NIMC, said that MasterCard was engaged to only provide the payments technology on the eID, in accordance with international standards.

He said, “MasterCard is providing the payments technology for 13million National eID Cards as part of the pilot programme. On completion of the pilot programme, NIMC will announce which payment partner will be brought on board, in addition to MasterCard, for the mass rollout of the National eID Cards”.

On how MasterCard was selected for the programme, the DG said, “MasterCard presented it’s payments solution and business proposal to NIMC for the National eID Card business together with other card schemes and companies. The three popular schemes, approved and licenced by the Central Bank to operate in Nigeria and with significant business relationship with the Nigerian deposit money banks, ‎we’re invited to submit proposals to NIMC. The most responsive and willing vendors was MasterCard”.

NIMC announced its selection of MasterCard as the payments technology provider for the Nigerian National eID pilot programme in May 2013 at the World Economic Forum on Africa held in South Africa.

Explains why MasterCard was selected to the expense of Local companies, Onyemenam, said that, “Let’s get it very clear, ‎all existing payment platforms have been licenced and approved to operate in the local market by the CBN, which ‘opened up’ the market as it were. Secondly, there is really no local company except if you are referring to the former locally-owned company in Nigeria, which also has significant foreign partners in the US.

“The reason why NIMC selected MasterCard is due to its deep experience with similar large-scale government programs around the world, its commitment to advancing financial inclusion in Nigeria and importantly, MasterCard’s ability to meet all the functional, technological and economic requirements of the project.

“MasterCard is also the world’s most-accepted payment brand, meaning that Nigerians can use their cards to pay at millions of MasterCard locations in Nigeria and across the border. MasterCard was also able to quickly develop a mutually-beneficial business roadmap that met all the requirements of the NIMC project plan and timelines. Others are just responding and will be considered accordingly”.

The NIMC DG refuted claims that MasterCard can access personal information and biometric data of the National eID cardholder, thus, “MasterCard’s prepaid technology is just one of the card’s 13 different applications, five of which are currently live. MasterCard payments technology is stored securely and separately from other applets, including the card’s identification applets. In fact, there is a firewall between the payment applets and all the other applets so not even a Point of Sale‎ terminal or ATM can access the secured data that is protected on certain parts of the card.

Also speaking, Daniel Monehin, division president, Sub-Saharan Africa, MasterCard, explained that the Corporation is not involved in the identification component of the program and cannot access the national identification database, any citizen’s personal or biometric information.

He said, “MasterCard never collects personal information of cardholders. All payments account specific information is managed by MasterCard’s issuing financial institutions, they are the banks. All personal identification data including biometric and demographic information is collected, managed and secured by NIMC”.

Expatiating on the payments technology deployed by Mastercard under the program, Monehin said the eID card is a chip and pin card certified according to the EuroPay, Mastercard and Visa (EMV) standard for globally interoperable, secure payments, which is mandated by the Federal Government, and it is approved and licenced by the CBN.

The key element of the EMV involves dynamic digital data in every transaction.

“This makes these types of transactions extremely secure and reduces the risk of fraud. When a customer uses an EMV-enabled card to pay at an EMV terminal, it can be instantly identified as an authentic, approved payment instrument belonging to that consumer through a process called dynamic authentication. When used with a personal identification number (PIN), the chip verifies that the consumer is indeed holding his or her own payment card,” he said.

According to him, about 70% of adults in Nigeria who are financial excluded can be integrated into the system through the eID card program, while eliminating the need to carry large amount of cash, among other benefits.


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GenAI Adoption Among African workers Outpace Global Peers

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Africa’s workforce is embracing artificial intelligence (AI) at a faster pace than global peers, but pressure is mounting for organisations to ramp up digital skills development as generative AI (GenAI) begins reshaping roles across industries.

This is according to PwC’s Global Workforce Hopes and Fears Survey 2025, which shows a continent ready for AI-enabled transformation, but facing a narrowing window to prepare, through skills development initiatives.

The survey, covering nearly 50 000 workers worldwide and 1 753 across South Africa, Algeria, Kenya, Morocco and Nigeria, finds that African employees are already integrating AI into daily operations.

Sixty-four percent of respondents in Africa used AI tools in the past year, compared to 54% globally, and the sentiment is overwhelmingly positive. While only 17% report using GenAI every day, confidence in its benefits is high: 76% believe GenAI improves work quality, and 72% expect AI-driven productivity gains within three years.

In SA, executives are even more bullish, as 91% say AI has already lifted both productivity and work quality — a signal that leadership is pushing harder toward AI-enabled ways of working, notes the survey.

However, this optimism is coupled with rising concern about future readiness. Only 35% of African workers believe their skills will still be relevant three years from now. With GenAI expected to affect nearly half of all job roles, PwC warns that the continent’s workforce risks falling behind unless organisations accelerate large-scale reskilling.

Despite the pressures, employees are not standing still. PwC notes that African workers outperform their global peers in proactive learning, recording 15% higher participation in skills-building and receiving 6% more support from managers. This indicates that both workers and immediate supervisors recognise the pace of AI adoption and are pushing to adapt.

PwC Africa people and organisation leader, Dr Dayalan Govender, says the moment calls for decisive leadership. Organisations, he argues, must integrate AI into workforce strategies, accelerate digital adoption, and expand upskilling programmes at scale.

“Africa’s workforce is optimistic and ready for change, but leaders must accelerate digital adoption and invest in future-ready skills to convert this optimism into sustainable growth,” he says.

Beyond the technology shift, the survey captures a workforce hungry for growth but constrained by financial pressure. Many employees are preparing to make career moves: 45% plan to request a raise, and another 45% aim for a promotion in the next year. Yet household financial stability remains strained, with only a third of respondents reporting any money left over for savings.

Still, Africa’s workplaces continue to show strong foundations of trust and purpose — elements PwC believes will be critical in navigating GenAI disruption. More than 55% of workers trust management, and two-thirds say their work feels meaningful, both above global averages.

With AI adoption rising and employees motivated to reinvent their careers, PwC warns that the coming years will determine whether Africa’s early optimism translates into long-term competitiveness as GenAI transforms the world of work.

The report calls for embedding AI into workforce strategies to bridge the gap between optimism and practical adoption, scaling upskilling initiatives to prepare for GenAI disruption, and fostering trust and psychological safety to retain talent and drive innovation.

“For employers, these findings are a stark reminder that they can and should do more to help workers understand, adopt, and embrace AI’s transformative power.

“Employers may need to pay special attention to entry-level workers, nearly a third of whom say they’re worried to a large or very large extent about AI’s impact on their future, even as they’re also curious (47%) and optimistic (38%) about its long-term societal effects,” notes the report.


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Nigeria Records Highest Weekly Cyberattacks in Africa — Report

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Nigerian organisations are facing the highest volume of weekly cyberattacks in Africa, according to the newly released African Perspectives on Cyber Security Report 2025 by Check Point Software Technologies Ltd., a global leader in cybersecurity solutions.

Nigeria Records Highest Weekly Cyberattacks in Africa — Report

The report revealed that Nigerian firms experience an average of 4,200 attacks per week, significantly higher than the continental average of 3,153 and 60 per cent above the global average of 1,963 attacks per organisation.

The findings highlight a sharp rise in attacks across Africa, driven largely by artificial intelligence-enabled threats.

Kingsley Oseghale, country manager for West Africa at Check Point, said attackers are increasingly using AI to automate phishing, impersonation, and cloud exploitation.

“AI has become part of the attack surface,” Oseghale said. “Attackers are using it to automate phishing and identity theft at scale. The only effective response is prevention-first security that combines visibility, governance, and AI protection.”

The report noted that cybercriminals are exploiting exposed identities and misconfigured systems to target critical sectors, including finance, energy, telecoms, and government.

Identity-led intrusions, AI-generated phishing campaigns, and multi-vector ransomware are on the rise.

Across the continent, Check Point identified key trends in different markets. Nigeria is experiencing business email compromise and cloud exploitation; South Africa faces rising ransomware, smishing, and botnet infections such as Vo1d and XorDDoS; Kenya has seen ransomware targeting critical energy infrastructure; and Morocco has experienced coordinated government and education-sector disruptions via DDoS and website defacement attacks.

The report highlights five major shifts shaping Africa’s cyber risk in 2025.

Traditional ransomware has evolved into data-leak extortion, AI-generated deception is widespread, and identity has emerged as the new security perimeter.

Weak cybersecurity, the report warned, can now affect international market access under regulations such as the EU’s NIS2 Directive, making digital resilience an economic necessity.

The study urged African businesses and governments to adopt prevention-first security strategies, including continuous risk assessment, regulatory readiness, and public-private collaboration.

Oseghale emphasised that, as AI reshapes operations, cybersecurity must shift from reaction to prediction.

“The real challenge is not adopting new technology but securing the trust that underpins it,” he said.


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Jumia’s Data Shows Nigerians Turning to Digital Retail to Navigate Inflation Pressures

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As Black Friday 2025 unfolds across Nigeria, new insights from Jumia’s Q3 2025 financial results reveal that more Nigerians are relying on digital retail to navigate inflation and rising living costs.

The data points to a more deliberate, value-driven shopper, one using online platforms to stretch budgets, compare options quickly, and extract more value from each purchase.

Jumia reported a 30 percent year-on-year increase in physical goods orders, while Gross Merchandise Value for physical goods rose by 43 percent.

This stronger GMV growth highlights a clear behavioural shift: consumers are assembling higher-value baskets by combining essentials with premium or long-term household items. Online retail is serving as a tool for strategic planning, not just convenience.

According to Temidayo Ojo, Chief Executive Officer of Jumia Nigeria, Black Friday now plays a more critical economic role. “Households are using digital retail to defend purchasing power. They plan their lists, compare prices instantly, and rely on the reliability and convenience that e-commerce offers,” he said.

This year’s Black Friday trends show growing demand in categories that directly support daily living. Household essentials and FMCG products are seeing significant uptake as families stock up during price drops. Home and kitchen equipment is also experiencing stronger demand as shoppers prioritise practical, durable tools. Affordable fashion and beauty products are gaining momentum as discounts make them more accessible.

Consumer behaviour in the lead-up to the sales period further reinforces this shift. Jumia recorded a notable increase in “Add to Wishlist” and “Add to Cart” activity, signalling more planning and fewer impulse purchases. The gap between GMV and order growth indicates that customers are optimising baskets using bundles, vouchers, and promo combinations, behaviours uniquely suited to digital platforms.

With inflation intensifying the need for smarter buying, trust markers on Jumia, such as verified sellers, official brand stores, ratings, and clear return policies, are becoming more central to decision-making. Authenticity and durability now outweigh the appeal of the lowest price.

Jumia’s logistics footprint is making these benefits available nationwide. Its 30,000 sqm Isolo fulfilment centre, 480 pickup stations, and 62 logistics partners ensure that customers in secondary and peri-urban cities enjoy the same deals as those in major hubs, reducing travel burdens and adding financial value.

Overall, Jumia’s Q3 data and Black Friday trends show that Nigerians are turning to digital retail as a practical, strategic response to inflation, using e-commerce to manage budgets, preserve purchasing power, and make more informed buying decisions.


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