E-Business
CellTrust Prepares NFC Provisioning APIs Using SecureSMS
CellTrust Corporation has announced that it is preparing patent-pending, NFC-provisioning APIs using SecureSMS, in anticipation of NFC technology rollout which will begin next year.
NFC (Near Field Communication) is a short-range wireless communication standard that bundles a contactless chip with a contactless reader inside the mobile device. With NFC technology, consumers can simply wave or tap their phone within a few inches of a reader to transfer information to their mobile phone or to complete a mobile payment or transaction.
Sean Moshir, chairman and CEO of CellTrust said: “CellTrust’s SecureSMS NFC solution will make it easy for carriers and banks to implement and integrate NFC. We believe the cost savings for mobile operators will be substantial, since they will be utilizing their existing SMSC infrastructure.”
CellTrust’s technology addresses the security gaps that exist with basic SMS, paving the way for NFC-enabled mobile devices to be securely used as an “electronic wallet.”
Designed to make life much easier for the end-user, provisioning NFC will require the carrier to send sensitive and confidential information to the mobile subscriber’s handset. While a few methods exist to provision NFC, CellTrust believes SMS is the optimal choice because it uses the mobile communications control channel, which is separate from voice and data and operates regardless of the voice or data being used. The control channel has high resiliency, low bandwidth requirements and was designed for carriers to send specific commands and instructions to the handset via SMS. It is important to note that standard SMS is not secure and can be spoofed. Provisioning NFC with CellTrust’s SecureSMS APIs addresses spoofing with a fully authenticated, government-grade, highly encrypted, tamper-proof process, which also enables message sizes up to 5,000 characters.
“At Juniper Research we forecast that 1 in 6 subscribers globally will have NFC phones by 2014. NFC is all about ease and convenience for users although the first question from users usually relates to security. This announcement by CellTrust is an important development to quell peoples’ security concerns and enable the rollout of NFC enabled mobile wallets,” said Howard Wilcox, Senior Analyst, Juniper Research.
NFC has the potential to be a significant, pervasive technology, but the lack of NFC chips in existing handsets and security concerns have held the industry back from wide-scale integration of mobile payments on NFC-equipped devices. CellTrust’s NFC solution could be a key driver in finally bringing mobile payments to NFC devices and unlocking the market potential for this technology.
CellTrust’s SecureSMS NFC APIs use Short Message Service Center (SMSC) and allow carriers to use their existing investment in SMS infrastructure while provisioning NFC, therefore a new NFC platform is not required. Carriers can easily integrate with the SecureSMS APIs and send secure commands and instructions to the handset to provision NFC with all types of transactions, including adding and deleting credit cards.
SecureSMS also gives mobile network operators an added level of security for OTA (Over-The-Air) configuration and provisioning of mobile devices compared to today’s standard SMS infrastructure, which is not tamper proof and can be spoofed.
E-Business
Mobile App Usage to Drop By 25 Percent on AI Assistants- Study
By 2027 mobile app usage will decrease by 25 per cent due to AI assistants, according to Gartner, Inc. Smartphone users will turn to AI assistants, such as Apple Intelligence, ChatGPT, Google Gemini, Meta AI, and others to replace apps for many functions.
In addition to the impact of AI assistants, apps will be consolidated across separate brands and companies, creating mobile app partnerships or consortiums to reach more users per app at scale and defray the cost of creation and maintenance.
“CMOs should begin scenario planning for the impacts of decreased mobile app usage,” said Emily Weiss, senior principal for the Gartner Marketing Practice.
“Brands with low app engagement and retention will likely be first impacted – this will be a positive development for brands that are not overly reliant on driving revenue via apps as app development costs will decrease.
Other brands may be severely impacted by the disintermediation of users turning to AI assistants for services.
The loss of app users will also result in the loss of first-party data collection and the ability to reach fewer users via mobile push notifications,” she added.
By 2026, over 1/3 of web content will be created for the purposes of Gen-AI powered search.
According to Gartner’s 2024 CMO Spend Survey of 395 respondents between February and March 2024, the average CMO allocated almost a quarter of their digital marketing budget to search.
Other than end users directly visiting a website, search currently drives more traffic to the average commercial enterprise website than any other referral source.
Given this, a loss of search driven traffic due to algorithmic shifts by major search engines would result in tangible, negative commercial impact to any organisation.
“CMOs will need to direct their teams to hire talent with a strong understanding of how GenAI, and broader AI influences, impacts the performance of their content in search algorithms,” said Weiss.
“It will be important to upskill the function by investing in search and content talent with AI skillsets. These associates will need to have familiarity with creating or optimising content to train and rank within evolving search algorithms,” Weiss added.
By 2028 digital marketers will move 30 per cent of their paid social budget to support advertising and partnerships on subscription-based channels.
It is becoming more challenging for CMOs to maintain, let alone grow, their reach and engagement among consumers.
This is especially true as consumers shift their tech and media behaviors away from social media, to other platforms and subscription based channels.
Gartner’s 2024 CMO Spend survey found that since 2022, paid social has maintained the highest budget allocation for all digital media spend.
In 2024, B2C Marketing leaders reported allocating 14.3 per cent for their digital channel budget to social media advertising (an increase from 12.3% in 2023).
“Closed group communities and subscription channels offer a potential alternative for social media weary consumers and content creators who want to do more than feed the algorithm,” said Weiss.
“Brands can leverage closed-group subscription channels – such as Substack, Patreon, and Discord – and the professional creators on them to reach relevant target audiences who are already engaging with content they self-selected into consuming.”
By 2027, 85 per cent of customer data will be xollected from automated interactions or those led by AI agents. Current AI models, such as large language models (LLMs), lack the agency to autonomously execute tasks and adapt in complex environments.
However, as new levels of intelligence are added, new AI agents are poised to quickly become more capable and reliable as brands seek to address customer facing use cases.
“There will be more AI agents than people, so while current approaches require humans in the loop, this idea will quickly become antiquated.
“Marketers will need to determine when and how they can trust AI agents to act on behalf of the brand and customers across key areas,” said Weiss.
E-Business
NIMC Trains 388 Personnel to Boost NIN Enrolment
National Identity Management Commission (NIMC) has kicked off a three-day training program for 388 personnel aimed at enhancing the National Identification Number (NIN) enrolment process across the country.
The training, tagged “Refresher Training of Trainers on NIN Integration to the National Social Register: Technical and hands-on devices and field operations and procedures”, is in collaboration with the National Social Safety-Net Coordinating Office.
The training is also to equip personnel with the necessary skills to efficiently handle the complexities of enrolment processes
In her address at the event held in Port Harcourt on Monday, Abisoye Coker-Odusote, director-general and chief executive officer, NIMC, noted that the initiative aligns with the commission’s overarching goal of achieving secured and great success for the Renewed Hope social initiatives.
Represented by Adedapo Adedoyin, her technical advisor on ICT, the NIMC DG said the event is a pivotal initiative that marks a significant step forward in our mission to enhance and modernize the National Identification Number enrolment process across Nigeria.
She stated, “Today, I am pleased to announce the launch of a comprehensive training program aimed at refreshing the technical and operational skills of the National Social Safety-Net Coordinating Office State Operations Coordinating Unit and NIMC staff.
“This initiative focuses on practical and field-based exercises, ensuring that our teams are well-equipped to handle the complexities of enrolment processes with precision and efficiency.
“This initiative aligns with our overarching goal of achieving secured and great success for the Renewed Hope social initiatives. Through verified digital identification, we aim to improve the lives of Nigerians by providing them with access to essential services and opportunities that require a reliable and secure identity verification system”.
Coker-Odusote explained that the training program will be conducted in two batches, encompassing four states: Kwara, Nasarawa, Kano, and Rivers. A total of 388 attendees will participate in this initiative, including 225 NASSCO State Operations Coordinating Unit representatives, 35 NIMC facilitators, and 128 State support staff.
She added, “The sessions are meticulously designed to foster knowledge sharing and hands-on experience with NIMC’s enrolment device and software, ensuring that our personnel are adept at using these tools to their full potential.
“By empowering our teams with enhanced skills and practical experience, we are setting the stage for more efficient and accurate NIN enrolment processes across the nation”.
Coker-Odusote further said the training program “is a crucial step toward achieving the World Bank’s Identification for Development Initiative target of enrolling 180 million Nigerians with secure digital IDs.
“By bolstering our technical and operational capabilities, we are ensuring that NIMC is well-positioned to meet and exceed this target, thereby contributing to the global vision of inclusive and accessible digital identification for all”.
The NIMC boss8 called for collaboration between all stakeholders saying, “As we embark on this journey, I urge all participants to embrace this opportunity for growth and development.
“Together, we can build a robust and efficient National Identification System that will serve as the cornerstone for Nigeria’s social and economic progress.”
E-Business
Kaspersky Discovers New Scam Scheme Targeting Businesses on Social Media
Kaspersky experts have uncovered a new phishing scam targeting businesses that promote their pages on Facebook. Scammers send emails allegedly on behalf of Meta for Business – Facebook’s platform for businesses – claiming the recipient’s page contains prohibited content.
The email suggests users provide explanations in order for their account and page to be unblocked. The goal of the attackers is likely to get access to users’ business accounts.
Kaspersky’s anonymised data shows that such emails started reaching users on 14 December 2024, with complaints coming from organisations all over the world, including the Middle East, Turkiye and Africa.
By examining the “From” field in the email it can be seen that the domain does not belong to Facebook. According to Kaspersky data the emails that this campaign used were sent from different domains.
The link in the email redirects users to Facebook Messenger. On Messenger, the account posing as Facebook’s support team appears legitimate, creating a false sense of trust.
There is an indication that this is a fan page, but it is easy to miss in a situation of high stress after being accused of spreading illegitimate content.
This scheme stands out for its sophistication. Unlike earlier scams that accused users of copyright violations and directed them to respond via email, this approach simulates internal communication on the Facebook platform itself.
“In 2025, we anticipate a rise in attacks leveraging social engineering and user trust in major platforms. Scams like this are becoming more sophisticated as attackers strive to mimic official services closely.
“Users must remain vigilant, verify the authenticity of messages, and avoid clicking on suspicious links. We strongly advise users not to engage with suspicious accounts and to activate additional security measures, such as two-factor authentication.
“If you receive such an email, report the incident to Facebook’s support team and update your passwords immediately if any information has been compromised,” comments Andrey Kovtun, Email Threats Protection Group Manager at Kaspersky.
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