E-Business
Visa Launches Champions Women Entrepreneurs @ the World Economic Forum on Africa

Visa is launching She’s Next, Empowered by Visa, in Africa, to encourage female micro-and small-business owners as they fund, run and grow their businesses across the continent.
The global expansion of this program, announced at the 28th World Economic Forum on Africa in Cape Town, is part of Visa’s on-going commitment to support female entrepreneurs. Two days ago, Visa and the International Trade Centre (ITC) announced the signing of a Memorandum of Understanding launching a new partnership to increase the financial inclusion of small businesses and women-owned small businesses globally by helping empower them to participate in international digital trade economy.
The number of women entrepreneurs is growing around the world, with 163 million starting businesses since 2014 alone. Additionally, the highest percentage of these women are in Africa, where 26% of women start or manage a business. She’s Next in Africa will harness the power of Visa’s global brand and network to build awareness of these women entrepreneurs and invest in them to provide them with tools to build their businesses.
“Women entrepreneurs are the backbone of local economies, and the need for support is real. Closing the gender gap requires persistent hard work and support,” said Aida Diarra, senior vice president and group country manager, Visa Sub Saharan Africa. “That is why Visa is using its voice to shine a light on the contributions and economic potential of female-owned micro-and small-businesses around the world.”
Women typically reinvest up to 90% of their income in the education, health and nutrition of their families and communities – compared to up to 40% for men – which makes investing in women’s businesses one way that Visa can help transform societies.
She’s Next Goes Global
Launched in January 2019 in the United States, She’s Next, Empowered by Visa is expanding globally for the first time today in Cape Town. With the expansion, She’s Next extends its signature pop-up events to offer networking opportunities for female entrepreneurs in Africa, including:
- Access to Experts: In Cape Town, broadcasting live on CNBC Africa, a roundtable panel of experts from Visa, local and national subject matter experts, and partners will explore how today’s sweeping technology changes are shaking up business models and creating unprecedented opportunities and challenges for small businesses, especially for the rising legion of female entrepreneurs.
. Participants include: Arancha Gonzalez, Executive Director of the International Trade Centre and Co-Chair of the 28th WEF on Africa; Aida Diarra, Senior Vice President and Group Country Manager for Visa Sub-Saharan Africa; Bogolo Joy Kenewendo, Minister of Investment, Trade & Industry, Botswana and Mich Atagana, Head of Communications and Public Affairs, Google South Africa.
- Pop-up Marketplace: Visa has invited local entrepreneurs to showcase the work they do and to network with WEF delegates from across Africa. This exhibition will run for a day at the Cullinan Hotel where the She’s Next launch will take place.
- New Research: A new study, which was commissioned by Visa and conducted by research firm 4Sight Africa, investigates the role of technologies like electronic payments in enabling the business success of female entrepreneurs in South Africa, Kenya and Nigeria. Some key findings were as follows:
– African women acknowledge the role of electronic payments in business success; 83% of respondents said that accepting or receiving electronic payments improves their businesses’ bottom line.
– 74% said customers spend more when they have access to electronic payments vs cash
– However most have not moved beyond cash and mobile money except in South Africa, where Credit Cards are more ubiquitous compared to Kenya and Nigeria.
– The women surveyed are positive about the future and 70% indicated that they feel they are financially independent.
– Almost 90% of women indicated that they feel more empowered as a female business owner than they did five years ago.
– Overall, market competition, lack of funding, business networking and training for growth are the common challenges facing female owned small businesses in Africa.
Visa’s Support of Women Everywhere
She’s Next, Empowered by Visa in Africa continues the success of Visa-supported programs focusing on small businesses, as well as female entrepreneurship. Other recent examples include:
- Encouraging Solutions to Big Challenges. In March 2019, Visa launched the first global Visa Everywhere Initiative: Women’s Global Edition, inviting women entrepreneurs to tackle FinTech and Social Impact challenges. Two overall winners received $100,000 each, mentorship and access to Visa’s network of partners and clients.
- Closing the Gender Gap for Women Entreprenuers. In addition to Visa’s efforts, the Visa Foundation made its first financial commitment of up to $20 million to Women’s World Banking with the aim of enabling 1.5 million women entrepreneurs to grow their incomes and household assets. As part of the program in Nigeria, Women’s World Banking is working to increase income-generating opportunities for women in rural areas.
- Creating a Platform to Support Athletes. Visa’s expanded commitment to women’s football leverages the brand’s sponsorship platform to inspire women athletes on and off the field amidst the global gender equality and women’s empowerment movements.
- Celebrating Every Woman’s Success. Visa’s Money is Changing marketing campaign in the U.S. features a diverse spectrum of women and highlights the practical steps they have taken to challenge existing money taboos, helping to create a more inclusive and equal future.
- Spotlighting Local Merchants. In the United Kingdom, Visa’s Great British High Street Awards, run by the Ministry of Housing, Communities & Local Government, recognize and celebrate achievements on the UK’s high streets and support local communities.
Visa’s Support of Small Businesses Everywhere
Visa provides a full suite of payment services designed for virtually every need, whether businesses are accepting payments from 3.4 billion Visa cardholders worldwide or making secure, seamless payments to their own providers using Visa Business credit, debit or prepaid cards. Visit us online to learn more about Visa’s small business solutions, as well as tools available for She’s Next, Empowered by Visa.
E-Business
Africa’s Data Workers are Being Exploited by Foreign Tech Firms – Report

Data workers in Africa often have a hard time, according to a report published in theconversation.com, a nonprofit, independent news organization dedicated to unlocking the knowledge of experts for the public good.
The article by Mohammad Amir Anwar, senior lecturer in African Studies and International Development, University of Edinburgh, found that data workers in Africa face job insecurities – including temporary contracts, low pay, arbitrary dismissal and worker surveillance – and alarming physical and psychological health risks.
The consequences of their work can include exhaustion, burnout, mental health strain, chronic stress, vertigo and weakening of eyesight.
Data work includes text prediction, image and video annotation, speech to text validation and content moderation.
The world of data work is built on labour arbitrage – exploiting the fact that workers earn less and have less protection in some countries than in others.
Large technology firms often outsource this work to the global south, including African countries like Kenya, Uganda and Madagascar, and also India and Venezuela.
The result is complex production networks that are generally opaque and shrouded in secrecy.
Workers and researchers have issued many warnings about data workers’ health.
Despite numerous court cases in multiple jurisdictions, nothing much has been done to address these issues either by tech companies or by regulators.
Still, the news of the death of a Nigerian content moderator, Ladi Anzaki Olubunmi, who was found dead in her apartment in Nairobi, Kenya on 7 March 2025, came as a shock.
While the circumstances of her death are still unclear, it has renewed calls for wider systemic change.
Her death has sparked condemnation from the Kenyan Union of Gig Workers, which demanded an investigation.
Since 2015, we have been studying the central role of African data workers in building and maintaining artificial intelligence (AI) systems, acting as “data janitors”.
Our research found that companies rarely acknowledge the use of human workers in AI value chains, thus they remain “hidden” from the public eye. In other words, the world of AI is built on the toil of human workers most people are unaware of.
In this article, we outline key steps needed to protect these data workers in Africa.
They include business process outsourcing regulations, ensuring quality rather than quantity of jobs, and providing social protection. There is also a need to name and shame companies that maltreat data workers.
Data work needs tighter regulation.
Regulation
Business process outsourcing is the practice of procuring various processes or operations from external suppliers or vendors.
Firms that do this are sometimes trying to evade local regulations (like minimum wages) and responsibility towards workers’ welfare (via sub-contracting and the use of temporary employment agencies).
This is happening in Africa as some data training firms and digital labour platforms circumvent local labour laws.
But there is more to the story.
Data work is also seen by lawmakers and practitioners as a solution to the rampant unemployment and informality across Africa.
African governments have actively created regulatory environments that enable these practices to thrive, despite adverse outcomes for workers.
Nonetheless, new regulations have been proposed lately, like the Kenyan government’s Business Law (Amendment) Bill, 2024 targeting the wider business process outsourcing and IT-enabled services sector.
Particularly, it makes business process outsourcing firms responsible for any claim raised by employees. It ensures some accountability for firms bringing data work to Africa.
Other governments should follow with similar measures ensuring worker rights are enforceable. Some data workers are hired on contracts as short as five days and get paid less than the local minimum wage.
Firms found violating labour standards should be penalised.
In fact, there is an urgent need to create regional or continent-wide regulatory frameworks covering the business process outsourcing sector, limiting the space for firms to exploit workers.
It’s possible, however, that jobs might be lost as firms relocate to places with favourable laws, an everyday reality in the outsourcing networks.
Quality, not quantity
African governments should prioritise the quality of jobs and not quantity. Policymakers should think about wider national economic development plans, particularly structural diversification and upgrading of their economies.
Historically, these strategies have resulted in success in some states, addressing social and economic issues such as unemployment, poverty and inequality.
Another option for African governments is to enhance social protection among data workers.
Financing this is a serious issue, so proper taxation and compliance among workers and employers is urgently needed.
Finally, there is a role for naming and shaming firms that treat their data workers poorly. There is evidence that such efforts improve compliance and firms’ behaviour.
Worker movements
African data workers have taken risks in openly speaking about their experiences.
But these kinds of approaches work well when combined with collective bargaining.
Workers have historically won their labour and civil rights after long and hard-fought struggles.
There is a long history of African worker movements and trade unions resisting the apartheid and colonial regimes across the continent.
While the freedom of association is enshrined in the African Charter on Human and Peoples’ Rights and most governments have legislation committed to collective bargaining, it is rarely implemented in the new outsourcing sectors, particularly data work.
It is also difficult to organise workers in the industry, because of the high churn rate. For instance, data training firms like Sama offer short-term contracts to employees, often as short as five days.
Some firms are hostile to workers’ organising activities.
But numerous data worker-led associations have emerged in Africa recently, some led by the co-authors of this article.
Techworker Community Africa, African Tech Workers Rising, African Content Moderators Unions and Data Labelers Association are among them.
These initiatives are crucial to ensure workers have decent remuneration, work-life balance, adequate working hours, protection against arbitrary dismissal, safe working environments, and contributions towards their health and welfare.
Several high-profile court cases are currently being pursued by African data workers against Meta and Sama.
There is precedent. In 2021. Meta was ordered by a Californian court to pay US$85 million to 10,000 content moderators.
AI-dependent tools such as ChatGPT or driverless cars would not exist without African data workers. They are tired of being “hidden”. They deserve to be treated with respect and dignity.
Mophat Okinyi, Kauna Malgwi, Sonia Kgomo and Richard Mathenge co-authored this article.
E-Business
NIMC Says NIN Mandatory to Government Loans

National Identity Management Commission (NIMC) said the National Identification Number (NIN) is a mandatory requirement for securing government loans.
NIMC said on its social media platform that the identity number has become compulsory for Bank of Industry (BOI) loans.
NIMC said, “Enroll for your NIN today to access business aid and other opportunities from the Bank of Industry.
“To access the services of the Bank of Industry (BOI), enroll for the NIN.”
Recall that the federal government, through the Federal Ministry of Industry, Trade, and Investment (FMITI), established three funds totaling N200bn to support businesses across Nigeria.
The fund will be accessed at nine per cent interest, to be disbursed by the Bank of Industry (BOI).
The funds established by the government were the Presidential Conditional Grant Scheme (PCGS), the FGN MSME Intervention Fund, and the FGN Manufacturing Sector Fund.
The government appointed BOI as the executing agency for the funds and is empowered with the responsibility for their day-to-day administration.
“The Presidential Conditional Grant Scheme (PCGS) is a N50bn grant scheme to support eligible Nano Business owners. The grant will be disbursed to a minimum of 1,000 beneficiaries, especially women and youths, per Local Government Area (LGA) in the 774 LGAs across the nation and the six Council Areas in the FCT.
“The target Nano businesses include traders, food vendors, ICT businesses, transporters, artisans, and creatives, among others,” said Dr. Olasupo Olusi, managing director/chief executive officer, BOI.
E-Business
SystemSpecs’s Subsidiary Deelaa Becomes Whatadeal

SystemSpecs Holdings Ltd unveiled at the weekend the rebranding of its subsidiary Deelaa to Whatadeal, launching an ambitious digital commerce platform poised to transform travel, events, and e-commerce across Africa.

John Obaro, group managing director, SystemSpecs, and Fela Bank-Olemoh, managing director of Whatadeal
The announcement comes amid a surging demand for integrated digital services in Nigeria and beyond, as the continent’s e-commerce and travel sector stand on the cusp of exponential growth.
The launch event, held in Lagos, demonstrated SystemSpecs’ vision for a seamless, value-centric consumer experience.
This strategic rebrand follows the company’s acquisition of Knit Technologies, amalgamating cutting-edge innovation and industry expertise into Whatadeal—one of four subsidiaries under the SystemSpecs umbrella.
John Obaro, group managing director, SystemSpecs, emphasized that the transformation reflects an unwavering commitment to technological advancement and customer empowerment.
“Whatadeal transcends a mere rebranding—it embodies a dynamic ecosystem designed to deliver unparalleled value and memorable experiences,” Obaro told reporters.
He elaborated, “Our ambition is to ensure that whether you’re organizing an event, procuring tickets, or seeking the finest deals, Whatadeal is your definitive destination. We are also in advanced discussions with leading travel industry players to curate exceptional travel experiences across Nigeria.”
Originally introduced in 2022 as an e-ticketing and marketplace platform, Deelaa catered to both businesses and consumers.
Its evolution into Whatadeal responds to shifting market dynamics, offering an integrated solution for booking flights, securing event tickets, and shopping online.
The platform will be powered by Remita, SystemSpecs’ acclaimed electronic payment and collection system, which underpinned Nigeria’s Treasury Single Account initiative—one of the most extensive implementations of its kind in Africa.
Steering this venture is Fela Bank-Olemoh, managing director of Whatadeal and a SystemSpecs stalwart since 1998.
With over two decades of expertise spanning technology, marketing, and public service, Bank-Olemoh brings a formidable pedigree to the role.
He founded MediaVision Limited, a preeminent sports marketing firm in Nigeria, before serving as Special Adviser on Education to the Lagos State Governor from 2015 to 2019 and later as Senior Special Assistant on Education Interventions to Nigeria’s President from 2019 to 2023.
Bank-Olemoh articulated the platform’s ethos: “At Whatadeal, we hold that exceptional experiences and valuable offers should be effortless, not convoluted. Our mission extends beyond merely facilitating deals—we are cultivating an ecosystem that nurtures engagement, trust, and enduring value for our customers.”
He added, “Whether you’re arranging travel, acquiring event tickets, or purchasing essentials, you deserve an intuitive, rewarding experience that consistently delivers excellence. Whatadeal is dedicated to realizing that vision.”
SystemSpecs aims to establish Whatadeal as the preeminent one-stop platform for African consumers, blending convenience with competitive offerings.
With its fusion of Knit Technologies’ innovations and Remita’s robust infrastructure, Whatadeal is poised to redefine digital commerce on the continent.
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