E-Business
Many Africans Still Believe Cybercrime ‘won’t Affect them’ – Report
The digital landscape is overflowing with an ever-evolving array of solutions and services created to make lives easier, offices smoother and engagements richer.
Smartphones, applications, social media, artificial intelligence (AI) platforms and multiple other tools have all become part and parcel of daily life on the African continent, transforming how people connect, collaborate and engage.
Unfortunately, they have also opened up cyber windows that let in the attacks and the threats that compromise organisations and individuals.
For Anna Collard, SVP Content Strategy & Evangelist at KnowBe4 Africa, it has become critical for organisations to invest in training and awareness programmes that help them to identify criminal tactics and mitigate risk.
“We undertook a poll to assess cybersecurity awareness in Africa and discovered that some of the key issues facing organisations right now were awareness and understanding,” she explains. “Many people still feel safe online and believe that cybercrime will not affect them personally. Others expect their work to take care of their cyber safety or do not know how to mitigate the threats themselves.”
The KnowBe4 Cybersecurity in Africa survey polled 800 employees across multiple sectors in Mauritius, Botswana, Egypt and Ghana to assess their cybersecurity awareness.
The survey focused on their levels of connectivity, the digital devices and platforms used, their perceptions of cybersecurity, the ways in which they work and their understanding of the threats.
Of those surveyed, 97% use a smart phone, 74% use a laptop, 47% have a smart TV, 31% use a tablet, 17% have a gaming console, 8% use a feature phone and less than 1% had none of these devices.
When asked what applications they use for work, the most prevalent was WhatsApp (89%), followed by email (80%), Facebook (59%), Telegram (46%), Instagram (45%), Twitter (42%), Zoom (42%), LinkedIn (36%), Microsoft Teams (18%), Snapchat (18%), Slack (5%), WeChat (4%), Signal (4%) or other tools (1%).
On the personal front, the picture remains largely unchanged with Facebook ranking second (78%), followed by Instagram (57%), email (46%), Telegram (40%), Twitter (39%), Snapchat (25%), LinkedIn (14%), Zoom (11%), Signal (3%), Microsoft Teams (2%) and other tools (1%).
“WhatsApp is the most used app across both personal (98%) and business use cases,” says Collard. “While email remains the most popular form of business communication on the continent, it is still immensely popular for personal use. Both platforms are high-risk for cyber threats such as phishing, ransomware and fraud, so these should be a priority for organisations looking to drive awareness and training.”
Connectivity is of course a key concern, as it often introduces vulnerabilities into both professional and personal networks and devices. The survey found that 71% access the internet through their mobile networks, overlapping with the 71% who access the internet through home Wi-Fi, and 36% who go online through work/office networks, while 12% access the internet at internet cafes, and 15% use free Wi-Fi at public places.
“The question is – do people understand the risks associated with accessing the internet in public places and are they putting the right security protocols in place?” asks Collard. “Often, people do not even know that they can be hacked while they access free Wi-Fi, or that they can have critical information, like passwords, stolen while they are online.”
This concern is reflected in the research around cybercrime awareness. On a scale of one to five, most said that they were concerned with cybercrime, with 29% saying they were ‘very concerned’ and 38% saying they were ‘concerned’.
However, 19% said that they were ‘somewhat concerned’ but that they did not understand the threats or how to mitigate them while 7% said that they did not believe it affected them personally because their work took care of it and 7% felt safe and ‘not at all concerned’.
“The problem is – everyone should be concerned about cybercrime,” says Collard. “All it takes is for one person to introduce a virus to a system or open up a doorway or lose their passwords, and the entire organisation is put at risk. Training has never been more important, especially when there is a clear trend around people feeling like they do not know enough about cybercrime to protect themselves or feel like they do not understand what they need to do to stay informed about the risks.”
This is reflected in the biggest concerns raised by those who were worried about cybercrime, with respondents citing online fraud (51%), identity theft (24%), children and family (14%), lack of understanding (10%) and other concerns (1%) as their primary worries. While over half said that they had received cybersecurity training from their employers, only 21% agreed that the training was adequate, while 10% felt it was not adequate at all.
And it is worth noting that many people still were not entirely sure what their roles and responsibilities were around information security (11%) and 45% said that they ‘somewhat agree’ that they could recognise a security incident. Only 34% of people said they felt ‘very confident’ that they could recognise a security incident if they saw one.
Most respondents are hesitant to give away personal information, with 29% saying they tended not to share personal details such as their identity number, and 51% saying they would share this information only if there was a real need to do so, and they understood what it was being used for. 13% part with personal information if they cannot avoid it.
Worryingly, 7% are comfortable sharing personal information, with 4% saying they are likely to do so if they can get something in return – such as a discount, and 3% saying they share personal information all the time.
“Then, we look at issues like cyber hygiene and discover that only 43% of respondents could identify what ransomware was, and only 61% could identify a strong password,” says Collard. “A worrying 20% selected P@$$word!, 25% selected thisismysuperwonkyapp#1, 16% chose Summer#123 and 3% chose Grandma1959. 6% said none of these were strong passwords. Only the 62% who chose DSM@8043&! were correct.”
Digging deeper into how well people understand security, the survey asked people to define two-factor authentication, and 60% said it was ‘using my password plus something I own, such as a One Time Password generator’.
However, 20% said it was ‘Entering my password twice for extra security’, 8% said it was Captcha generators, 9% said it was using two different passwords and 4% said it was using a password manager.
Only 17% say none of the common cybercrime tactics have affected them. More than half (51%) said they had previously had a virus infection on their computer, 32% had lost money due to a scam or con artist, 26% had clicked on a phishing mail, 21% had been scammed from a phone call and 17% had forwarded a scam or hoax email.
When checking to determine whether an email is legitimate, 55% said they only trusted emails from people they knew, 54% do not click on links or open attachments they were not expecting, and 27% check for bad grammar or spelling as a sign the mail is not legitimate. 31% Google the sender or topic to see if it is a scam, 23% hover over links to see their origin, and 11% do all the listed checks.
Add to this the risks of working from home – 32% said they had moved to work from home and among the 20% who were affected by cybercrime while working from home, a multitude of scams and cybercrimes occurred. These scams ranged from being tricked in crypto investment schemes and identity theft, through to accidentally downloading viruses and being hacked.
“The entire landscape is a challenge and the only way to thrive within this complexity is to arm your people with the tools and understanding they need to protect themselves,” concludes Collard.
“Training is the only way to ensure that all the protections and security investments made by the business are fully realised by those who use them. If people understand the threats, their role in mitigating the threats, and what to do to protect against them, they are empowered and more able to overcome the challenging landscape that lies ahead.”
E-Business
Mastercard, Alerzo, and e-Trade Alliance Unite to Enhance Financial Inclusion for 10,000 MSMEs
Mastercard has collaborated with Alerzo, a leading Nigerian B2B e-commerce company, and the USAID-funded e-Trade Alliance to accelerate the digital transformation of and enhance financial inclusion among micro, small, and medium-sized enterprises (MSMEs) in Nigeria.
This collaboration aims to empower over 10,000 MSMEs with cutting-edge digital and financial solutions, enabling them to achieve sustainable growth and thrive in the digital economy.
Despite Nigeria’s progress in digital technology adoption, MSMEs still face significant challenges, including complex supply chains, reliance on manual, error-prone inventory management, and limited access to essential financial services.
This collaboration addresses these obstacles with user-friendly digital and financial solutions tailored to local MSMEs, such as Alerzoshop, Alerzo’s digital B2B marketplace; and Veedez, a comprehensive digital payment and business management tool, complemented by training initiatives to boost financial and digital literacy.
“Mastercard is committed to driving financial inclusion and empowering small businesses worldwide. Our collaboration with Alerzo, and the e-Trade Alliance in Nigeria provides MSMEs the digital tools and resources needed to thrive in today’s digital economy. By facilitating seamless digital payments and offering comprehensive business management solutions, we are fostering a more inclusive financial ecosystem and driving innovation and growth within the sector.
“This collaboration demonstrates the immense possibilities that can be unlocked through the power of public-private partnerships,” said Folasade Femi-Lawal, Country Manager, West Africa, Mastercard.
Alerzoshop enables MSMEs to stock up using their phones, enhancing their access to suppliers and facilitating secure, efficient and seamless digital payments via Mastercard’s global network.
Veedez is redefining how small businesses operate by helping them digitize processes, unlock new sales opportunities, and increase revenue, with micro-lending services providing vital financial support.
Adewale Opaleye, CEO, Alerzo Limited, added: “We are delighted to collaborate with Mastercard, and e-Trade Alliance for this digital transformation project in Nigeria.
“As the leading partner of choice for informal retailers and MSMEs, we recognize our responsibility to introduce digital retail solutions that will strengthen the economy and facilitate the adoption of a cashless society for the collective benefit of all.
“This initiative is part of our commitment to connecting millions of MSMEs in Nigeria to a world where digital connectivity is integrated into their businesses, making them more profitable and fulfilling.”
This collaboration aims to deliver targeted financial and digital training to 10,000 MSMEs across Nigeria by year-end. Introducing innovative, cost-effective payment solutions like Mastercard’s Tap to Pay, QR codes, Pay-By-Link, and Payment Gateway Services will accelerate digital payment adoption.
Upgrades to Alerzo’s infrastructure will enable seamless payment processing through the Mastercard network, benefitting MSMEs immediately upon signing up for Veedez, available on the App Store and Google Play.
Michael Poor, Senior Manager, Nextrade Group, e-Trade Alliance implementing partner, said, “This public-private sector collaboration underscores our dedication to fostering inclusive economic growth through digital transformation.
“By combining our expertise in skills development for ecommerce, inclusive trade, and access to finance, we aim to support Nigerian MSMEs in overcoming the challenges they face in the digital economy.
“Together with Alerzo and Mastercard, we are committed to empowering small businesses with the knowledge and tools they need to succeed to power more inclusive, sustainable growth in Nigeria.”
This collaboration underscores the commitment of all parties to empower Nigerian MSMEs by furthering the digital transformation of the economy and enhancing financial inclusion.
It supports Mastercard’s goal of bringing one billion people and 50 million micro and small businesses into the digital economy by 2025 and deepening collaborations with international institutions to drive more sustainable, inclusive economic development.
E-Business
Naija Shopping Festival: Konga Offers Unbeatable Christmas Deals
Nigeria’s leading e-commerce platform, Konga, has unveiled the Naija Shopping Festival, a Christmas sales event designed to offer shoppers extraordinary discounts and unbeatable deals.
This exciting shopping extravaganza begins on December 1 and runs through December 30, promising an unforgettable experience for all.
With discounts of up to 70% off on your favourite products, the Naija Shopping Festival is Konga’s way of spreading festive cheer and ensuring no one misses out on amazing deals.
This event caters especially to those who could not participate in Konga Yakata, giving everyone a chance to save big this holiday season.
The festival boasts a wide array of incredible offers across multiple categories, including mobile phones, electronics, FMCG, fashion, groceries, and accessories.
Shoppers can also enjoy specially curated deals such as Christmas Eve Deals, Flash Sales, Santa Shop, and Hamper Packs, ensuring there’s something for everyone this festive period.
Konga is partnering with top global brands such as Apple, Starlink, HP, Zinox, CeraVe, Lenovo, Haier Thermocool, Samsung, and Infinix to deliver the best possible deals. Customers can expect discounts of up to 70% on premium products, ensuring maximum value on every purchase.
Speaking on the launch, Onochie Melvin, E-commerce Manager at Konga, stated, “The Naija Shopping Festival is our way of giving back to our customers and making this Christmas season special for every Nigerian.
“We remain committed to easing the financial burden on Nigerian consumers, especially during challenging economic times. Also, we want to ensure shopping is fun, affordable, and stress-free. With our trusted partners, we’ve curated the best deals to meet the needs of every shopper during this festive period.”
As always, Konga is committed to making shopping easy and convenient for Nigerians.
“By offering substantial price cuts and collaborating with trusted brands, Konga continues to set the standard for e-commerce in Nigeria.
To have a feel of Konga’s Naija Shopping Festival, visit www.konga.com today and make your Christmas shopping a joyful experience.
E-Business
TD Africa Joins Forces with Check Point to Enhance Cybersecurity in Nigeria
TD Africa, a leading technology distributor in Sub-Saharan Africa, has joined forces with Check Point Software Technologies Ltd., a global cybersecurity leader, to enhance Nigeria’s cybersecurity resilience.
This strategic partnership, announced at a partner roundtable event in Lagos and attended by industry executives, stakeholders, and IT professionals, facilitated discussions on emerging cybersecurity trends and fostered strategic partnerships.
Participants explored innovative approaches to digital security, concluding with a networking session designed to spark future collaborations and strengthen Nigeria’s digital ecosystem.
Abiodun Idowu, Assistant General Manager for TD Africa, highlighted the company’s dedication to delivering cutting-edge technology solutions, saying: “This partnership with Check Point reflects our commitment to providing advanced tools that safeguard businesses against today’s complex cyber threats.”
Check Point’s Security Manager, Victor Ugwu, who underscored the partnership’s significance in strengthening cybersecurity frameworks in Nigeria, said, “With this collaboration with TD Africa, we aim to deploy innovative solutions like Harmony and CloudGuard to protect organizations across the country.”
TD Africa now offers Check Point’s Harmony and Email Collaboration solutions, incorporating Secure Access Service Edge (SASE) technology to enable secure connectivity for remote and hybrid work environments.
Additionally, the partnership provides CloudGuard, an end-to-end cloud security solution, and Quantum Firewall appliances, which scale to meet the needs of businesses of all sizes.
This partnership reinforces TD Africa’s position as a driving force in Nigeria’s technological advancement. By delivering robust cybersecurity solutions, TD Africa empowers businesses to navigate the digital age with confidence and resilience.
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