Broadcasting
Why You Should Make Pay with Transfer Your Top Payment Choice

By Yvonne-Faith Elaigwu, Head of Operations and Governance, OnePipe
Imagine a bustling Tuesday morning in the city of Lagos and Mrs. Hadiza, a vibrant entrepreneur, is preparing her well-loved Jollof rice for the lunch crowd. As she expertly stirs the simmering pot, her mind wanders to a challenging period earlier this year when Nigeria experienced a cash crunch which followed the introduction of the new naira currencies.
Mrs. Hadiza was unable to run her food business operations smoothly. During this time, she was unable to make the necessary purchases for her business because she did not have sufficient cash. Her suppliers were insistent on being paid in cash; bank apps failed intermittently and payments were getting reversed so no one trusted the transfer system.
Both the suppliers she needed to pay and the customers who needed to pay her were caught in the financial dilemma. This was not just her experience; many Nigerians found themselves unable to procure everyday items due to the lack of cash. This episode was a stark reminder of the uncertainties that can shake a cash-dependent economy, and the vulnerabilities of businesses that operate within such an ecosystem.
During these turbulent times, digital payment solutions like Pay with Transfer, although always available, came to the fore as more viable alternatives, offering resilience against such financial shocks. This was a real-life illustration of the potential of digital payments and the transformative role they can play in enhancing economic stability. The adoption of these methods is not without its challenges, but the experiences during the crunch showed us that the benefits they offer are undeniable and far-reaching.
Reliability and speed of transactions are two of the most significant benefits that digital payments offer. In our rapidly moving world, where time is often equated with money, instant payments can make all the difference. They eliminate long queues from banking halls, ATM machines, check-out shops, and even places like Mrs. Hadiza’s bustling eatery, streamlining business operations and customer experiences. Digital payments can enhance the efficiency of businesses by reducing transaction times and eliminating the need for physical cash handling, like it did for Mrs. Hadiza. For customers too, the convenience of paying instantly without worrying about having the exact change or the risk of carrying cash is a major advantage. This convenience extends beyond the customer-business transaction, impacting the wider economy and making the hustle and bustle of daily life in cities like Lagos smoother and more efficient.
Safety is another crucial aspect that digital payments prioritize. As our financial transactions increasingly move online, the risk of cyber threats also rises. However, a focus on transfer as a payment option effectively eliminates the common pitfalls of cash handling, such as theft, robberies, and mismanagement of funds. This compelling shift encourages both banks and fintech companies to devise innovative and robust measures to ensure security and prevent fraud, thereby reinforcing trust among users. Digital payment solutions like Pay with Transfer, consequently, provide the necessary safeguards, ensuring peace of mind for both businesses and individuals. This level of security allows businesses to focus more on their core operations and less on potential financial risks, offering not only ease of use but also a sense of security and reliability that is vital in today’s digital age.
However, while these benefits are substantial, we must acknowledge the realities of a digital divide. Some businesses are well-equipped to integrate digital payments into their operations, while others may face challenges due to limited internet access, lack of digital literacy, or a preference for traditional methods. This divide is more pronounced in developing economies like Nigeria, where a significant portion of the population still operates outside the formal banking system.
In this context, digital payment solutions like Pay with Transfer can serve as a bridge, offering a user-friendly platform that caters to a diverse user base. It can help businesses and individuals who are currently underserved by the traditional banking system to join the digital economy. While it’s not a panacea for all financial challenges, it represents a crucial step towards a more inclusive financial ecosystem. It can bring about an era of financial inclusion, where everyone, regardless of their background or location, can participate in the economic growth of the country. I mean, just imagine a Nigeria where every buka, mama-put, vulcanizer and shoe-shiner accepted their payments via bank transfer; implying that they have a digital financial footprint and are able to access financial services like credit, in order to grow their businesses.
The future of finance in Nigeria is exciting, and digital payment solutions like Pay with Transfer are part of this journey. They are not just tools for facilitating transactions but instruments of change that can foster economic resilience and inclusivity. They have the potential to democratize access to financial services, thereby contributing to the broader economic development of the country.
The experience of the cash crunch earlier this year underscores the importance of having a variety of reliable, convenient, and secure payment options. It emphasizes the value of choice, reminding us that the best financial tool is the one that suits our unique needs and circumstances. Today, for many, Pay with Transfer is a part of that choice, representing the potential of digital payments in Nigeria.
Broadcasting
Court Upholds AVRS Legal Rights to Licence Audiovisual Works in Hotels

Federal High Court sitting in Abuja has upheld the statutory right of the Audiovisual Rights Society of Nigeria (AVRS) to licence hotels and other business establishments for the public use of audiovisual works (movies and films) transmitted within their premises via Pay-TV subscriptions.
This is a landmark judgment that reaffirms the rights of Nigerian copyright holders and strengthens the creative ecosystem.
Justice Obiora Egwuatu, who gave the judgment, dismissed the case filed by Reiz Continental Hotel Limited against AVRS, where the hotel sought a declaration that it could not be compelled to pay copyright fees for audiovisual content (movies and films) accessed through subscription-based broadcasting.
In the ruling delivered on Thursday, July 24, the court held that AVRS, by virtue of its status as assignees of copyright in several audiovisual works, and approved collective management organisation (CMO) pursuant to Section 88 of the Copyright Act 2022, had demonstrated the legal basis of its licencing activities, and was entitled to issue copyright licences to users of audiovisual works belonging to it, including the Plaintiff (Reiz Continental Hotel Limited). Abuja Formula 1 Grand Prix ticketsNigerian cuisine recipes
The court rejected the claims of Reiz Continental Hotel that it was merely a recipient of broadcasts from a pay subscription television service, and therefore not liable to any licence from AVRS.
It held that the activities of Reiz Continental Hotel, operating a hospitality business, which is profit-driven, and possessing several television sets, which transmit audiovisual content, were carried out in contravention of sections 11(b), (c) and (f) of the Copyright Act in respect of the rights held by AVRS.
The court also held that the acts of transmission of audiovisual works by Reiz Continental Hotel, since done in the context of business, were in contravention of section 36(1)(a) and (g) of the Copyright Act, unless licensed by AVRS.
According to the court, the provision of section 36(1)(g) of the Copyright Act, 2022, renders a person liable for infringement of copyright for performing or causing to be performed for the purposes of trade or business or the promotion of a trade or business, any work in which copyright subsists.
The court further held that participation in a collective licencing agreement by the Hotel Owners Forum Abuja (HOFA), of which Reiz is a member, was binding on Reiz and stopped it from denying the validity of the agreement with AVRS.
Speaking on the judgment, Mike O. Akpan, legal counsel to AVRS and principal partner, Alpha-Edge Legal, said that the judgment is not only a legal victory for AVRS and its members, but also a significant affirmation of Nigeria’s commitment to upholding copyright law and protecting creative enterprise. Nigerian cuisine recipes
He added that it establishes a strong precedent for copyright enforcement across the hospitality sector and other commercial users of protected content.
Reacting to the landmark judgment, Mr. Mahmood Ali-Balogun, chairman of AVRS, said: “This judgment is a profound moment for members of AVRS. It affirms the legitimacy of our collective licencing structure and ensures that copyright owners in the film and movie sector are rightfully protected under the law.
“AVRS has always approached licencing with openness, fairness, and a readiness to dialogue. Today’s court decision is a win for our members, the film industry, for Nigerian creators, and for the nation. It strengthens the foundation upon which the creative economy can grow and attract investment.”
Broadcasting
NDPC Hides MultiChoice Privacy Violation Details Despite FOI Request- FIJ

Nigeria Data Protection Commission (NDPC) has refused to release details of the data and privacy rights violation for which it fined MultiChoice Nigeria, despite receiving a Freedom of Information (FOI) request from FIJ.
FIJ otherwise Foundation for Investigative Journalism, is an independent, not-for-profit organisation that combats injustice, holds power to account and speaks for the voiceless.
In its announcement on July 6, the NDPC said it had fined MultiChoice Nigeria N766,242,500 for breaching the data and privacy rights of subscribers and even those who are not necessarily subscribers.
FIJ emailed the data protection commission an FOI request on July 9.
The commission acknowledged the receipt of the email that same day and added: “It has been forwarded to the relevant department and we would respond soon.”
Fifteen days later, FIJ got no other response from the NDPC.
In Nigeria, FOI requests have a seven-day timeframe, and it starts counting as soon as a public institution receives a request for public information.
FIJ understands that holidays, which include a Sunday and a public holiday, are to be excluded in the computation of the timeframe.
The receiving institution is mandated, within those seven days, to either provide the requested information or explain in detail why it is unable to do so based on the provisions of the FOI Act.
Established under the Nigeria Data Protection Act 2023, the NDPC’s tasks include safeguarding data privacy, enforcing regulations and promoting responsible data handling in the country.
When the Commission announced the N766.2 million fine against MultiChoice Nigeria, it said the company had violated the privacy rights of subscribers and allowed the illegal cross-border transfer of personal data of Nigerians.
MultiChoice Nigeria operates through various subsidiaries, such as DStv and GOtv. The NDPC said it launched an investigation into the company in the second quarter of 2024.
“NDPC found, among others, that Multichoice violated the data privacy rights of subscribers and their friends who are not necessarily subscribers,” the statement issued by NDPC read in part.
“The Commission also found that Multichoice carries out illegal cross-border transfer of personal data relating to data subjects in Nigeria. The depth of data processing by Multichoice is patently intrusive, unfair, unnecessary and disproportionate.”
FIJ’s FOI request aimed to understand the extent of the data and privacy breaches committed by MultiChoice Nigeria, the remedial measures directed by the NDPC and the specific channels through which the company collected the personal data of Nigerians.
Two weeks after the request was submitted, the NDPC has refused to respond.
Section 7, sub-section 4, of the Freedom of Information Act (2011) states, “Where the government or public institution fails to give access to information or record applied for under this Act or part thereof within the time limit set out in this Act, the institution shall, for the purposes of this Act, be deemed to have refused to give access.”
According to the Act, where a case of wrongful denial of access is established, the defaulting officer or institution commits an offence and is liable on conviction to pay a N500,000 fine.
At the time of this report, there was no publicly documented case of the NDPC granting an FOI request to share more details after an investigation.
In 2023, FIJ detailed how the Nigerian government often violated the FOI Act. Journalists at top newspapers in the country noted that government agencies had a habit of disregarding FOI requests, despite being legally obligated to respond.
Broadcasting
Spotify RADAR Africa Turns the Volume Up on FOLA and Thakzin

Spotify is turning the spotlight toward the next wave of African music innovators with its latest RADAR Africa picks: Nigerian Afrobeats talent FOLA and South African Afro House DJ and producer Thakzin. As part of Spotify’s ongoing commitment to discovering and amplifying emerging voices across Sub-Saharan Africa (SSA), RADAR continues to champion boundary-pushing artists shaping the sound of tomorrow.
FOLA, born Folarin Odunlami, first caught attention with his freestyles on social media, quickly making a name for himself with his blend of Afrobeat rhythms and soulful storytelling. His breakout EP What A Feeling, featuring the Bella Shmurda-assisted hit “Who Does That,” laid the foundation for a fast-rising career that now includes collaborations with BNXN, Magixx, and BhadBoi OML. “Looking at where I’m coming from, I see every opportunity as a blessing. So, it’s a blessing to have been selected, just like others before me,” says FOLA. “I want my fans to know that in the midst of all the noise, I made something they could truly connect with, feel and share with those who mean something to them. I want everyone who listens to at the very least, recognise that they’re witnessing the early days of something truly special.”
On the southern tip of the continent, Thakzin’s journey began in Ivory Park, Johannesburg, where early jazz and kwaito influences, plus a deep respect for traditional percussion, shaped his signature sound. With co-signs from Black Coffee and international tastemakers like Laurent Garnier, his genre-defying approach to Afro House, heard in his 2023 anthem “The Magnificent Dance,” is setting global dance floors alight. Following the release of Magnificent Dance, his version of Horns In The Sun by DJ Kent became a viral hit across South Africa and gained global traction, potentially surpassing the success of Magnificent Dance itself. Thakzin’s sound is rooted in African spirituality and healing, inspired by the rhythmic power of traditional drums. Shaped by a musical upbringing and guided by his father, a keyboardist, he blends rich harmonies with percussive elements to create an immersive Afro-house experience. His music evokes emotion, movement, and ancestral energy, anchored in freedom and African expression. In recognition of his role in shaping 3-step, Thakzin was the first cover artist of Spotify’s 3 STEP playlist.
Spotify RADAR isn’t just a platform, it’s a launchpad. It reflects Spotify’s commitment to empowering local artists across SSA and delivering the best listening experience in the region. From Lagos to Johannesburg, RADAR celebrates the diversity of talent on the continent, offering artists equal access to global audiences.
“At Spotify, we believe in the power of African storytelling through music. FOLA and Thakzin are both incredibly unique artists who represent the spirit of RADAR—fresh voices with global potential,” says Phiona Okumu, Spotify’s Head of Music, Sub-Saharan Africa. “By amplifying their journeys, we hope to inspire more creators across the continent to believe in their vision and reach for bigger stages.”
With FOLA and Thakzin stepping into the spotlight, one thing is clear: Africa’s future sound is already here, and Spotify is where you find it first.
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