Telecom
Banks Fail to Remit Funds as USSD Debt Reaches N120Bn

The Unstructured Supplementary Service Data (USSD) platform is experiencing an extensive crisis, and although talks between the banks and telecommunications operators are ongoing at the regulatory level to find a cooperative solution, the service providers claimed that the debts owed them by defaulting banks have reached N120 billion.
Bizwatchnigeria.ng reported that some N100 billion in indebtedness as of the first quarter of 2023.
However, despite the fact that the amount still owing has increased by N20 billion, the Association of Licensed Telecoms Operators of Nigeria (ALTON) claimed that the banks are still withholding remittances.
Gbenga Adebayo, chairman, ALTON, stated that the company’s debt had reached N120 billion, who verified that there had been regulatory-level conversation, stated: “Discussions are ongoing, and there has been very high-level regulatory intervention by the Central Bank of Nigeria (CBN) and the Nigerian Communications Commission (NCC).
While some banks are making payments, others appear to be holding off until the service is discontinued in an effort to test our persistence in getting them to do so.”
“We would temporarily stop providing USSD service to debtor banks if the CBN/NCC intervention fails. No industry can endure the amount of the mounting debt, which is currently in the neighborhood of N120 billion, He said.
“Because these are services for which money has been taken from their customers, the banks have a moral obligation.” The Ministry of Communications and Digital Economy, CBN, and NCC had underlined that starting on March 16, 2021, USSD services would be taxed at a flat rate of N6.98k per transaction, despite the fact that the crisis has been ongoing for more than five years.
According to the agreement, banks would not charge customers extra fees for using the USSD channel and would instead collect the new USSD fees directly from customers on behalf of mobile network operators (MNOs).
A typical USSD session, which lasted for 20 seconds, had a pricing cap set at $4.98 for each session prior to the N6.98k per transaction regime.
When the N6.98k problem reached a breaking point, NCC and CBN issued a joint statement that said: “This replaces the current per session billing system, providing a considerably cheaper average cost for subscribers to improve financial inclusion. This method is open and will guarantee that the sum stays the same regardless of how many sessions are involved in a single transaction.
While ePayment transactions reached N49.48 trillion in March, service quality difficulties in the area continue unabatedly and pose a threat to the sector’s successes.
Investigation by bizwatchnigeria.ng revealed that customers are still dissatisfied with the bank apps and USSD platforms they use to access services, which they complained were frequently very slow and unresponsive.
Due to this problem, many clients now swarm the banking halls virtually every day to voice their objections. Kehinde Alesh, a Zenith Bank client, revealed that the bank’s app was unresponsive last week. “We were unable to use the banking app for over two days. Even more shocking, the app crashed. Many transactions are still pending. The Central Bank of Nigeria must take action on this issue, He stated.
Banks must make greater infrastructure investments! The software is sluggish, and USSD transactions don’t work. To witness the crowd, you ought to have been at the bank. Just annoying, really. Before the sector collapses, the CBN needs to move quickly.
In addition to the demand for the availability of the new notes, Gabriel Okeowo, Country Director of BudgiT Foundation Nigeria, recently discussed the bank’s IT infrastructure.
If the old Naira notes are what are now in use, even the new Naira notes cannot be purchased. Additionally, as we speak, the lines are still present, electronic transactions are still declining, and money is typically not refunded within 24 hours.
“In addition, the Internet infrastructure is not sufficiently developed to support efficient electronic transactions. I see a potential of extending the deadline for the usage of old naira.
Telecom
NCC Asks Consumers to Monitor Data Usage to Authenticate Consumption

Nigerian Communications Commission (NCC) has charged the over 174 million telecoms subscribers in the country to constantly monitor their data usage to authenticate their consumption level.
This follows concerns being raised by telecoms consumers about the rapidity of data depletion on their devices.
The Commission particularly enjoined the consumers to always contact their service providers to make requests for cases of discrepancies noted in their data usage.
While the consumers are expected to contact their service providers to request for their usage history/statement where inconsistency exists in their data usage as first step, the Commission said they may also escalate such issues to the Commission through its toll-free Number 622 and social media platforms, especially if their requests are not satisfactorily handled.
The Commission, which also made some clarifications regarding the concerns being raised by the consumers around data usage, said the need to inform the consumers on their concerns is part of its commitment to protect and appropriately inform and educate the telecom consumer on industry issues.
Making further clarifications around data speed and usage, the Commission said data speed is the speed at which data is transferred between two devices, measured in megabits per second (Mbps or mbps), stressing that given the spread of Internet services and the immense investment in the sector, data rates have continued to increase and users may be unaware of how to measure data speed.
The telecoms regulator explained further that websites such as www.fast.com also provide an easy way for consumers to measure Internet speed on any device at any location.
“The higher the data speed, the quicker pages load-downloads and uploads-occur and expectedly, the quicker data bundles are exhausted. So, as telecom consumers are able to do more on devices in less time, some consumers’ devices & network service providers make it possible to limit data speed to help users manage data usage better.
“In any case, most devices now include functions to measure data used by devices and it is imperative that users monitor same to authenticate data usage, such as applications left running on devices. Therefore, where discrepancies occur users may contact their service provider to request for their usage history/statement. If request is not dealt with satisfactorily then, users can contact NCC by calling 622 or engage the Commission via its social media platforms”.
It added that the data usage experience is a function of location, network equipment and users connected in a particular location.
Telecom
Phone Theft: AMCODET Urges Mandatory Registration @ Point of Purchase

Association of Mobile Communication Device Technicians of Nigeria (AMCODET), has called on the Nigerian Communications Commission (NCC) to make it mandatory for mobile phones to be registered at the point of purchase.
According to Kehinde Apara, president of AMCODET, implementing this registration process would significantly help in combating phone theft and assist in locating stolen devices.
Apara, made this appeal in an interview in Lagos on Monday.
He stated, “Registration of mobile phones will reduce theft to the barest minimum, as it will be difficult for thieves to sell registered stolen phones.”
Apara explained that the registration of new phones would also help to reduce the harassment faced by technicians by security agencies.
“So many of our members have been labelled accomplices in theft cases, because customers bring stolen phones to them to repair. We believe this is unfair to such innocent people,” he said.
He went on to highlight that the NIN-SIM linkage, which was originally an idea brought forward by AMCODET, was created to curb insecurity and theft.
However, Apara pointed out that “It is not enough.”
He stressed the need for further measures to ensure the proper registration of mobile phones, emphasising that such a step would make it easier for technicians to identify stolen devices brought in for repair or flashing.
“AMCODET has been at the forefront of organising seminars on the security of mobile phones and has also been sensitising the public and authorities on the challenges faced by the association due to phone theft. There is no way our members can identify if a phone is stolen when brought to them for repairs or flashing, but if the phone is registered, the technician can more easily identify it,” he explained.
Apara also expressed a desire for closer collaboration with security agencies, saying, “We want to work with security agencies to ensure that phones are properly registered, theft is prevented, and thieves are brought to book.”
In additin to the call for phone registration, Apara appealed to individuals and the private sector to support efforts to develop the mobile phone industry in Nigeria.
He remarked, “We need individuals’ support to develop our industry, rather than relying on government for everything.”
He emphasised that Nigeria has the capacity to develop its own technology and reduce reliance on imported devices, “With the support of individuals and the private sector, Nigerians can begin to develop its own technology, rather than relying on imported technology.”
Apara expressed optimism for the future of the mobile phone industry in Nigeria, believing that with the right support, the country could build its own technological solutions and move towards greater self-reliance.
“We can develop our own technology.”
“But we need the support of individuals and organisations to make it happen,” he said.
Credit: NAN
Telecom
Apple Faces €150M Fine in France Over Alleged Antitrust Violations

French antitrust regulators have fined Apple 150 million euros ($162 million) over its App Tracking Transparency (ATT) feature, which is facing scrutiny in multiple European countries.
The French Competition Authority ruled that Apple’s implementation of ATT was “neither necessary nor proportionate to the company’s stated goal to protect user data” and unfairly penalized third-party publishers.
Alongside the financial penalty, Apple has been ordered to publish the decision on its website for seven days. The ruling comes amid ongoing investigations in Germany, Italy, Romania, and Poland into ATT, which Apple introduced in 2021 as a privacy safeguard.
ATT requires apps to obtain explicit user consent via a pop-up before tracking activity across other apps and websites. If users decline, the app loses access to their advertising identifier, limiting targeted advertising. Critics argue that the system disproportionately benefits Apple by restricting competitors while promoting its own advertising services.
The French watchdog found that ATT forces users to navigate excessive consent windows for third-party apps on iPhones and iPads, making the process unnecessarily complicated.
Additionally, Apple’s system requires users to opt out of ad tracking twice rather than once, which the authority said undermines the feature’s neutrality and causes economic harm to app publishers and ad service providers.
The ruling emphasized that smaller publishers, which rely heavily on third-party data collection for revenue, are particularly affected.
The French regulator initially declined to impose emergency measures in 2021 after complaints from the advertising industry, but continued its investigation, ultimately leading to Monday’s decision.
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