E-Business
Fighting ID theft at ATM With Biometrics
The increasing activities of fraudsters who through sending Short Message Service and emails to unsuspecting members of the public requesting them to disclose their Automated Teller Machine (ATM) debit card Personal Identification Number on the pretence that they have won in an unknown promo, has raised concerns on effective way to curb the menace.
To this end, that Central Bank of Nigeria recently directed operators in the card business to upgrade their technology to Europe Mastercard Visa (EMV) technology, a Chip and Pin card believed to have more security features than the current magnetic stripe that is widely used.
Although EMV cards have been proven to assist considerably to curbing identity theft at ATM it has not offered a 100 percent solution to the problem. In Europe, where the technology is fully in use there are still increase in identity theft at ATMs, which a long away to show that it does not offer a complete solution to the menace.
Against this backdrop, stakeholders in the industry are seeking for adoption of a technology that will offer near complete solution to identity theft at ATM. They are canvassing for Biometric technology.
Biometrics is the automated recognition of people via distinctive anatomical and behavioral traits has the potential to overcome many of those problems associated with identity theft, experts say.
Compared with a physical token such as a bank card or with the knowledge of a secret such as a PIN, biometric traits are profoundly more difficult to forge, copy, share, misplace or guess. Indeed, they offer the only way of determining whether a person has been issued multiple official documents, such as a driver’s license or passport, under different names. Yet they are quite easy to use as proof of identity.
For these reasons, biometric systems have been gaining popularity in recent years. Laptops and mobile phones that can recognize a fingerprint, for instance, are now commercially available.
According to Dr. O. Osuagwu of department of Computer Science Benue State University, in some countries biometric security is employed to safeguard items such as ATM cards and passports, to determine whether a person can rightfully enter a building or to ensure that someone is entitled to welfare payments. "These systems are far from perfect. But with inexpensive sensors and powerful microprocessors now available, biometric technology is certain to become more pervasive," he said.
Vascular recognition he said already has won wide acceptance in banking. More than Japanese banks and credit unions have made hundreds of ATMs featuring vascular sensor available for everyday use. In the vascular recognition systems developed by Fujitsu and TechSphere, after inserting a banking card in a cash machine, the user is prompted to hold a hand near an infrared light source. The light source is paired with a charge-couple device similar to the one used in standard digital photography. As the near-infrared light passes through the body tissue, it is reflected by the hemoglobin in the blood. This reflected light picked up by the CCD reveals an image of the blood vessels. Within a second or two, the system filters the digitized image, creates a template that it can compare with the authorized user, and decides whether they match.
Nigeria Communications investigation reveals that some of the major banks in the country are making plans to deploy Biometrics ATMs in the country to address the problem of identity theft at ATM which is fast gaining popularity among Nigerians. This has become necessary in view of impact of the machine in reducing large number of customers at banking halls.
A $60 billion Africa AI Fund is set to be established, leveraging public, private, and philanthropic capital. The goal is to build a secure, inclusive, and competitive African AI economy through foundational and catalytic investment, according to a declaration made at the recent Global AI Summit on Africa in Kigali, Rwanda.
The declaration seeks to leverage the potential of AI to drive innovation and competitiveness to advance Africa’s economies, industries, and societies. Second, to position Africa as a global leader in ethical, trustworthy, and inclusive AI adoption.
The declaration also seeks to foster the sustainable and responsible design, development, deployment, use, and governance of AI technologies in Africa.
The memorandum was facilitated by Qhala, Smart Africa, Rwanda’s Centre for the Fourth Industrial Revolution, and supported by the Gates Foundation.
Qhala is an AI enabler dedicated to driving innovation and digital transformation across Africa.
In a statement, Qhala said the declaration outlines shared commitment among African nations to align national strategies with continental goals, safeguard data sovereignty, build digital infrastructure, and foster a sustainable AI innovation ecosystem.
The organisation went on to say Africa’s AI landscape is changing at a fast pace and it is projected to contribute $2.9 trillion to the African economy by 2030.
Shikoh Gitau, CEO of Qhala, said: “This declaration is timely, as Africa’s AI ecosystem is rapidly evolving but remains fragmented and underfunded. This will ensure that Africa takes its place in a leadership role in global AI development.”
Lacina Koné, CEO of Smart Africa, added: “AI is not just technology to us, it’s an African arrow that, when thrown with the right ethical frameworks and inclusive policies, can pierce the way to African digital prosperity and resilience for the benefit of every citizen.”
Federal government has announced plans to roll out an electronic visa (e-visa) system by May 1, 2025, in a major step towards modernising Nigeria’s immigration processes.
The initiative, a collaborative effort between the Ministry of Aviation and Aerospace Development and the Ministry of Interior, is designed to tighten border security while simplifying travel procedures for visitors.
Speaking at a press conference in Abuja on the implementation of immigration protocols under the Migration Visa Policy (MVP) 2025, Olubunmi Tunji-Ojo, minister of Interior, outlined the far-reaching benefits of the new system.
He explained that the e-visa platform, alongside the automation of landing and exit card processes, would strengthen background checks and deter unauthorised entry into the country.
“With the e-visa, applications will be processed online, and a centralised visa approval centre is already operational at the Immigration headquarters,” Tunji-Ojo revealed.
“Officers have been trained and equipped with integrated solutions connected to global criminal databases such as Interpol, enabling thorough background checks for all incoming travellers.”
The new procedure mandates that passengers must complete an online landing and exit card before boarding their flight.
This information will be cross-verified by airlines in collaboration with the Nigerian Civil Aviation Authority (NCAA).
According to the minister, this integration ensures that anyone attempting to enter or exit Nigeria without proper clearance will be flagged immediately.
“The responsibility of coordinating and verifying this process rests with the NCAA. They are fully committed, as we all are, to safeguarding our nation’s borders and upholding our sovereignty,” he added.
The collaboration between the ministries has already yielded tangible results through initiatives like the EPIC Solution, an advanced passenger information system that has led to the interception of individuals flagged by Interpol at Nigerian borders.
Furthermore, e-gates have been installed at key terminals in Lagos and Abuja airports to support automated, efficient, and secure passenger clearance.
Tunji-Ojo announced that in the coming weeks, the NCAA and the Nigeria Immigration Service (NIS) will jointly establish a dedicated team to finalise the implementation framework, regulatory guidelines, and protocols for airlines.
“This is not a task for one agency alone. It is an inter-ministerial effort requiring seamless cooperation,” he emphasised.
Mr. Festus Keyamo, SAN, minister of Aviation, described the partnership as a model of effective governmental collaboration. He highlighted that both the e-visa and the automated landing and exit card systems will be free of charge, ensuring accessibility while reinforcing security.
Keyamo provided further details on the operational flow of the new system, explaining that travellers will be required to complete an entry card online before their arrival.
The digital system will store their details, including visa type, entry date, and permitted duration of stay. Upon departure, passengers must present their exit cards at the airline’s check-in desk, where the NCAA’s protocol will be applied.
“As you prepare to leave Nigeria, the first checkpoint will be the airline’s boarding desk,” Keyamo explained.
“If you’re a foreign traveller, they will ask for your exit card. Without it, you won’t be issued a boarding pass.”
The process is designed to trigger automatic verification: once the traveller enters their passport number, the system retrieves their entry data and duration of stay.
Should any irregularities arise—such as overstaying a visa – the airline, following NCAA protocol, will refuse to board the passenger and refer them to immigration authorities.
“When you approach immigration, officers will have complete visibility of your travel history and status. Depending on the nature of the violation, they may issue fines, cancel visas, or impose travel bans of up to 10 years,” Keyamo stated.
Both ministers underscored that the overarching goal is to enhance Nigeria’s national security, curb illegal immigration, and create a seamless, digital travel experience.
With this modernised approach, the country aims to align with global best practices while maintaining its sovereignty.
As preparations advance toward the official launch date, authorities are optimistic that the e-visa system will not only improve efficiency but also bolster Nigeria’s reputation as a secure and welcoming destination for legitimate travellers.
National Identity Management Commission (NIMC), has announced that operatives of the Department of State Security and Nigeria Police Force have arrested suspects involved in the illegal collection of National Identity Numbers (NIN), in Anambra State.
This comes as the commission also warned Nigerians against sharing their National Identity Number with unauthorised persons in exchange for money.
Dr. Kayode Adegoke, spokesman for NIMC issuedthis warning in a statement on Wednesday.
This follows reports of some Anambra residents submitting their NIN to unauthorised individuals in exchange for money.
Reacting, NIMC said the activities contravene NIMC Act No. 23, 2007, the Data Protection Act, and the Cyber Crime Act.
The commission said individuals involved in the act have been arrested by operatives of the Department of State Security and the Nigeria Police Force.
“Upon receiving the information on the activities of the unscrupulous individuals, NIMC, in conjunction with the Department of State Services (DSS) and the Nigeria Police Force (NPF), swiftly arrested the culprits behind the illegal collection of the NIN.
“They are currently being interrogated and will be made to face the full wrath of the law. The commission, therefore, advises Anambra State residents and Nigerians to avoid submitting their NINs to unauthorised individuals, organisations, or platforms, as the Federal Government and NIMC have not authorised this. Anyone caught will be sanctioned appropriately.
“At no time should NIN holders give out their NINs for monetary compensation. This is against the laws of the Federation. Anyone caught will be dealt with appropriately.
“The Commission had earlier issued a statement warning Nigerians against sharing their NIN or data with anyone or on any fictitious sites. The NIN can only be used by the holders to access government or private sector services, and it must be verified.
“The Commission has taken necessary measures to kerb the activities of these unscrupulous individuals,” NIMC stated.
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