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Telecom

Salt & Einstein, MTN Partner on Mobile Health Insurance Scheme

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Salt & Einstein MTS, Mobile insurance services aggregator, MTN Nigeria and Nigerian National Health Insurance Scheme (NHIS), have announced a strategic partnership to launch a mobile-based universal health insurance service known as Y’ello Health.

This service, according to the trio will provide Nigerians affordable health insurance cover on a pre-paid basis, adding that through the Y’ello Health, mobile subscribers are able to opt into a micro healthcare insurance scheme through Health Management Organizations (HMO’s) using their mobile phones for a range of pre-defined medical treatments for which affordable premium can also be remitted through the subscribers’ mobile phone.

Dr. Femi Thomas, executive secretary and CEO of NHIS, speaking on the rationale behind the new partnership said, “MTN is a large player in the Nigerian economy, having a good number of registered Nigerians on its database. To be able to reach out to Nigerians, we at NHIS decided to partner with Salt & Einstein MTS and MTN on this new initiative to achieve “Universal Health Coverage” for Nigerians nationwide.

According to him, the time has come to extend health insurance to Nigerians from all walks of life.

Thomas said with Nigeria’s population in mind, NHIS in partnership with Salt & Einstein MTS and MTN is bent on providing more efficient health care service to those who indeed cannot afford good healthcare services, stressing that this this will help pull risk and share healthcare costs equitably across the population.

Dr. Ernest Ndukwe, executive chairman of Salt and Einstein MTS, bringing his vast experience in mobile technology and telecommunications in Nigeria to the table, identified the need to leverage the market penetration and unmatched reach of mobile telecoms in Nigeria. Statics reveal that mobile telecoms subscription in Nigeria is over 120 million.

This, Ndukwe noted creates adequate grounds for direct health insurance provision to Nigerians who without this would have no access to the National health Insurance scheme.

According to Lai Labode, managing director and chief executive officer of Salt and Einstein MTS, findings, show that, Nigeria still has less than four per cent of its population covered with basic health care at this time in our nation’s history.

 “There is no disputing the fact that, one of the best things to do at this time is to come together, working with NHIS and of course, starting off with Nigeria’s leading telecommunications operator, MTN, to bring this health insurance cover to Nigerians who have been hitherto excluded from access to good health care service”.

“MTN has demonstrated that they are interested in the social good and welfare of Nigerians. We hope to create more products that benefit Nigerians across the country”. He enthused.

According to Omatsola Barrow, Sales & Distributions executive, MTN,  “MTN’s motivation to partner on the health insurance initiative with the Salt & Einstein MTSand NHIS, is driven by the firm’s passion to reduce exclusion and social disparities by supporting government’s vision of delivering health care for all as well as to make health care mobile by integrating it into the MTN broader digital strategy”

According to Larry Annetts,  chief marketing officer, MTN Nigeria, “the focus market for the Y’ello Health Cover are Nigerians who have no health insurance cover principally because they cannot afford the regular health insurance services in the market. These individuals like everyone else, need medical care.

“However, without access to insurance, they probably would be having occasional challenges paying for medical treatment, because such expenses would usually be without or at short notice. It is to take away this burden of impromptu medical expenses that we are partnering to introduce this product”.

He also asserted the importance of education and sensitization of the populace about healthcare and commended the NHIS for its drive to provide universal healthcare for Nigerians”, he stated.

Annets said the MTN Yello Health Insurance will enable customers visit the hospital twice monthly or up to seven times yearly to a maximum treatment cover of N80, 000.00 yearly.

According to him, this also gives access to over 6000 hospitals across the country currently registered on the NHIS scheme.


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Telecom

Mafab Gets 0724 Number Series, Launches Mcom 5G Brand

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Mafab Communications, operating under the brand Mcom, has officially activated its mobile service infrastructure and commenced offering telecommunications services — including voice, data, and SMS — with new number range, Nigeria CommunicationsWeek can report.

Mafab Gets 0724 Number Series, Launches Mcom 5G Brand

Dr. Musbahu Bashir, founder Mafab, owners of Mcom

Nigeria Communications Commission (NCC) has also confirmed the entry of Mcom which listed 0724 as officially assigned to Mafab.

An insider at Mafab told this reporter that “ We are Nigeria’s first 5G standalone network provider, revolutionizing the telecommunications landscape.  We are driven by a vision to foster a world where possibilities know no bounds with the power of technology”

Recall that the original 5G licence was awarded to Mafab in 2021, with an expectation that rollout would have fully commence by August 2022.

MTN Nigeria, the other winner of the license adhered to this timeline and deployed its 5G across major cities like Lagos, Abuja, and Port Harcourt.

Mafab on the other hand, requested and was granted an extension of time, which it have finally taken advantage of by the recent launch.

Mafab Communications is owned by Dr. Musbahu Bashir, who is also the founder and chairman of the company.

He is the individual behind the Mcom 5G brand and has been instrumental in launching the company’s 5G services.


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NCC to Name, Shame Telecom Infrastructure Vandals

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Nigerian Communications Commission (NCC) has vowed to intensify its collaboration with security agencies to arrest and prosecute individuals vandalising the country’s Critical National Information Infrastructure (CNII).

NCC to Name, Shame Telecom Infrastructure Vandals

Auwal Abdullahi, head of Quality of Service at the NCC, said this during a media engagement held in Abuja.

The move comes on the heels of the recent signing of the “Designation and Protection of Critical National Information Infrastructure Order, 2024” by President Bola Tinubu.

The Order is aimed at protecting essential digital and communication systems from cyberattacks, vandalism, and related disruptions.

Speaking on the development, Abdullahi said: “The Critical National Information Infrastructure (CNII) Act has provisions for prosecution, and the operationalisation of CNII falls under the purview of the Office of the National Security Adviser (ONSA). Anyone found liable for damaging or disrupting CNII will be prosecuted going forward. We are working with relevant agencies like the Nigeria Security and Civil Defence Corps (NSCDC) to tackle these problems and prosecute offenders.”

He recounted that some telecom operators recorded significant financial losses two years ago, largely due to exchange rate pressures and infrastructure vandalism.

“About two years ago, we noticed a situation where some of our key telecom operators were recording massive losses. Despite increasing revenues, they were struggling with heavy forex-related obligations that ate into their revenues. This led to poor quality of service,” he said.

According to him, the recent tariff adjustments have placed the industry back on a path to profitability and renewed investment.

“As a result, they are able to reinvest in their networks, which will lead to better quality of service and experience. We expect investments in the industry to increase significantly this year, more than what was seen in the last two years. The Nigerian telecoms industry has great promise, evident in its revenue growth and service delivery, despite the recent challenges,” he added

Also speaking at the event, Aminu Maida, executive vice chairman and CEO of the NCC,  reassured stakeholders that the Commission remains committed to driving improvements in network quality across the country.

Represented by Mrs. Nnena Ukoha, acting head of Public Affairs, Maida challenged journalists to act on the knowledge shared at the forum.

“This is not for you alone. You now have this information, do not just sit on it. For instance, you were given figures on fiber cuts and thefts affecting NCC. Who is responsible for those infrastructures? The NSCDC. Ask them: ‘Of all these incidents, what are you doing about them? How many people have been prosecuted?’ Every state has legal departments. Go and ask them: ‘What are you doing to protect critical infrastructure?’ he queried.

 

 

 

 

 

 

 

 

 

 

 


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USSD: 13 Banks Clear Debts – ALTON

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Association of Licensed Telecommunications Companies in Nigeria (ALTON) has revealed that 13 commercial banks have fully settled their outstanding Unstructured Supplementary Service Data (USSD) service debts to Mobile Network Operators (MNOs).

USSD: 13 Banks Clear Debts - ALTON

Gbenga Adebayo, chairman, ALTON

The remaining three banks are nearing completion of their payments, having cleared over 95% of their respective debts, according to Gbenga Adebayo, chairman, ALTON.

This resolution paves the way for a new billing system for USSD banking transactions.

Going forward, charges for these services will be debited directly from customers’ airtime accounts.

The update on debt settlements and the upcoming billing model were discussed , during the ‘ASK the Exec’ online meeting anchored by MTN.

Participants included Lynda Saint-Nwafor, chief enterprise business officer at MTN and  Adebayo.

According to the ALTON Chairman, there has been substantial progress in resolving the long-standing debt issue.

“As of January, the outstanding debt from banks to MNOs for USSD services was N180 billion. Of the 17 banks with pre-API outstanding payments (excluding Heritage Bank, which is insolvent), 13 have fully settled their debts, and the remaining three are in the final stages of installment payments, with over 95% of the debt cleared”, he explained to journalists present at the call.

The clearance of historical debt is crucial as the industry moves to a new operational model.

“Banks with outstanding debts will not be excluded from the new system; they can either migrate to end-user billing once their debts are cleared or choose to remain on the old corporate billing model, provided they settle their outstanding obligations”, Adebayo pointed out.

Since 2021, collaborative efforts between the telecommunications and banking industries, supported by their regulators, have aimed to standardize charges for USSD banking transactions, resulting in a unified fee of N6.98 per transaction.

Saint-Nwafor, explained the upcoming change: “The most significant change is the transition to end-user billing, where customers will now be billed for USSD transactions directly from their airtime accounts instead of their bank accounts. This means deductions will no longer occur from bank balances but from airtime balances held with MNOs.”

Previously, banks directly debited customers’ bank accounts, a system that presented challenges regarding transparency and control.

To address this, an Application Programming Interface (API) was developed, granting banks full control over their USSD channels. For instance, a bank like GTBank with the USSD code *737# can now ensure a customer’s number is accepted by the bank before a transaction proceeds, after which the bank applies the N6.98 charge.

MNOs like MTN simply facilitate the connection, earning their N6.98 fee for providing the channel.

To ensure a smooth transition and consistent experience, a standardized process for end-user billing has been implemented across all operators and banks: Consent Message: Customers dialing a bank’s USSD code will receive a clear consent message informing them of the N6.98 deduction from their airtime and requesting acceptance.

Aggregator Communication: Upon acceptance, the MNO will contact a USSD aggregator to confirm the bank’s availability, preventing billing for unfulfilled services. Transaction and Billing: Once the bank confirms readiness, the MNO connects the customer and bills the airtime account.

All MNOs have also unified their messaging to customers, providing consistent communication on service levels and transaction outcomes, clarifying if a transaction failed due to issues on the bank’s end or the telco’s side.

Crucially, telco service purchases (airtime and data) from banks are zero-rated when customers use direct strings (e.g., dialing *737*10000# for N10,000 airtime instead of the generic *737#).

This informs both the MNO and the bank of the specific intent, making these transactions free.

Customers are strongly encouraged to use these direct strings to avoid charges, and extensive communication campaigns are planned. Any instance of double deduction (from both airtime and bank accounts) should be reported to the customer’s bank.

Adebayo addressed several key questions, reassuring the public about the implications for consumers and businesses.

He noted that for consumers, the shift to end-user billing has a zero net effect on cost, as they were already paying the N6.98 fee, albeit from their bank accounts.

Transparency and accountability are enhanced through standardized consent messages, inter-industry agreements, and MNOs’ commitment to provide monthly performance statistics to regulators.

“If a transaction fails due to MNO network issues, the customer will not be billed, or any deduction will be reversed. However, if the failure originates from the bank’s end (e.g., insufficient bank balance, bank system downtime), the customer will still be billed, with the reason for failure communicated”, ALTON Chairman explained.

The concern about USSD usage limiting access for those in unbanked areas or without airtime was also addressed.

“The N6.98 charge is considerably lower than alternative transport costs to physical banking points. Furthermore, customers can purchase airtime from their bank accounts at zero cost using direct strings, even if they have no airtime, as long as they have funds in their bank account. USSD is seen as a convenience channel, with all stakeholders contributing to the cost of providing financial services”, Adebayo stated.


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