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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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Kaspersky Discovers Vulnerability in Qualcomm Snapdragon Chips that can Lead to Data Loss & Device Compromise

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Kaspersky ICS CERT discovered a hardware-level vulnerability affecting Qualcomm chipsets that are widely used in a range of consumer and industrial devices, including smartphones and tablets, car components, IoT devices and more.

The vulnerability resides in the BootROM – firmware embedded at the hardware level. Attackers could potentially get access to any data stored on the device or device sensors like camera and microphone, implement complicated attack scenarios and in some circumstances get full control of the device. The results of the research were presented at Black Hat Asia 2026.

The vulnerability affects Qualcomm MDM9x07, MDM9x45, MDM9x65, MSM8909, MSM8916, MSM8952 and SDX50 series and was reported to Qualcomm in March 2025. Qualcomm formally acknowledged the vulnerability in April 2025. It has been assigned a CVE-2026-25262. Other Qualcomm-based chips may be affected as well.

Kaspersky researchers explored the Sahara protocol, a low-level communication system used when a Qualcomm chip enters Emergency Download Mode (EDL) – a special recovery mode designed for repairing or restoring smartphones or other devices. Sahara acts as the first step that allows a computer to connect to the device and load software before the operating system on the device starts.

Kaspersky demonstrated that a security flaw in this process could allow an attacker with physical access to the target device to bypass key security protections in the chip, compromise the secure boot chain and, in some cases, deploy malicious applications and backdoors to the chip’s Application Processor, thus fully compromising the entire device.

For example, in cases when the target device is a smartphone or a tablet, the attacker can potentially get access to entered user passwords, and subsequently this opens further access to multiple types of sensitive user data, such as files, contacts, location, access to the devices’ camera and microphone, etc.

A potential attacker only needs a few minutes of physical access to a device to compromise it. Therefore, if a smartphone has been sent for repair or left unattended for a short time, one can no longer be sure it is not infected. Researchers warn that the threat extends beyond end-user scenarios to include potential compromise during the supply chain phase.

“Vulnerabilities like this may allow attackers to deploy malware that is difficult to detect and remove. In practice, this could enable covert data collection or influence device behaviour over extended periods of time.

“While a reboot might seem like an effective way to remove such malware, it cannot always be relied upon: compromised systems may simulate a reboot without actually resetting. In such cases, only a complete loss of power – including battery depletion – guarantees a clean restart,” comments Sergey Anufrienko, security expert at Kaspersky ICS CERT.

Kaspersky advises organisations and individual users to exercise strict physical security control over devices including at the supply, maintenance and decommissioning phases. A reboot of the device by cutting off the power supply to the affected chip (if available) or full battery discharge may help to get rid of the malware if it was installed.


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Survey Shows Gaps in Cybersecurity Policies and Employee Commitment Leave Organisations Vulnerable

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A recent Kaspersky survey entitled “Cybersecurity in the workplace: Employee knowledge and behaviour”, showed that 39% of professionals in the Middle East, Turkiye and Africa (META) region, consider cybersecurity rules in their company to be excessive or not fully appropriate.

While 7% noted that their organisations do not have cybersecurity rules or that they are not aware of them. These results show a disconnect between corporate cybersecurity policies and employee commitment to these rules, underscoring the risks associated with shadow IT and unmanaged device usage in the workplace.

Shadow IT is defined as the use of unauthorised software, devices, or services without IT oversight, and it has evolved into a critical business risk. While often driven by employee productivity needs, it creates blind spots for IT departments.

The rise of hybrid work environments, increased reliance on cloud-based tools and the spread of AI tools have accelerated this trend. Without robust cybersecurity management and oversight, organisations face heightened exposure to ransomware attacks, data leaks, and regulatory penalties.

19% of survey respondents in the META region said there are no policies regarding the use of non-corporate devices in their company. 35% of employees admitted that they can use their own devices to access business information, provided they have some type of cybersecurity protection, even consumer-grade software.

On the positive side, 21% said they can use their own device, but these must first pass more stringent corporate IT security checks; while 25% of respondents indicated that only devices provided by the IT function can be used for work purposes.

The situation is significantly better with permissions for employees to install software on corporate devices without IT department’s approval. 50% reported that only IT specialists in their company are allowed to install software, while in 31% of organisations only top management or designated users can do so. 11% of employees can install software that is approved by the IT team. However, 8% of respondents said that all users can install any software they need without IT agreement in their organisation.

At the same time 21% of professionals surveyed acknowledged that within the past year they installed software on their work devices without IT supervision. That highlights a persistent shadow IT challenge that continues to expose organisations to security vulnerabilities, compliance risks, and data breaches.

“Shadow IT is now a mainstream operational risk. When one in five employees installs software without IT oversight, it signals a policy gap. Many organisations already have security policies in place, but employee perception must also be considered.

Organisations should move beyond restrictive controls and instead implement intelligent, user-centric cybersecurity strategies that combine strategies that integrate technology with employee awareness and responsible use,” said Toufic Derbass, Managing Director for the META region at Kaspersky.

 


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Microsoft Faces £1.7Bn Cloud Lawsuit in UK over Alleged Market Abuse

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Microsoft is facing a £1.7 billion ($2.3 billion) class action lawsuit in the United Kingdom over allegations that it abused its dominant market position in cloud computing.

Microsoft Faces £1.7bn Cloud Lawsuit in UK Over Alleged Market Abuse

Microsoft

The case, filed before the Competition Appeal Tribunal, was brought by Maria Luisa Stasi on behalf of about 59,000 British businesses and organisations. It alleges that Microsoft unfairly imposed higher costs on customers running its Windows Server software on rival cloud platforms.

Stasi said the company’s practices have had a significant financial impact on both public and private sector organisations over several years.

In allowing the case to proceed, the tribunal ruled that it has a “reasonable prospect of success.” The judges noted that Microsoft is alleged to have abused its dominance in the paid server operating system market to undermine competition in the cloud services space.

If the claim succeeds, compensation for affected organisations is estimated to range between £1.7 billion and £2.1 billion.

Microsoft has rejected the allegations and confirmed it will appeal the ruling. A company spokesperson said the decision does not represent a final judgment on the claims and that it disputes the substance of the case.

The lawsuit comes as regulators in the UK and the European Union intensify scrutiny of Microsoft’s cloud business practices. UK authorities are currently assessing whether the company should be designated as having “strategic market status,” a move that would subject it to stricter competition rules.


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