E-Business
Why & How We Engaged MasterCard in eID Card- NIMC

National Identity Management Commission (NIMC), has explained MasterCard’s involvement in the national identity registration programme, while refuting claims, in several quarters, of adequacies regarding the card’s payment components.
President Goodluck Jonathan had on August 28, 2014, heralded the official launch of the eID card pilot scheme.
As part of the pilot phase, NIMC has started to issue identify cards with MasterCard’s electronic payments functionality, which raised eyebrows among stakeholders in the IT and financial sectors of the economy.
Speaking in Lagos during a media roundtable, Chris Onyemenam, director general of NIMC, said that MasterCard was engaged to only provide the payments technology on the eID, in accordance with international standards.
He said, “MasterCard is providing the payments technology for 13million National eID Cards as part of the pilot programme. On completion of the pilot programme, NIMC will announce which payment partner will be brought on board, in addition to MasterCard, for the mass rollout of the National eID Cards”.
On how MasterCard was selected for the programme, the DG said, “MasterCard presented it’s payments solution and business proposal to NIMC for the National eID Card business together with other card schemes and companies. The three popular schemes, approved and licenced by the Central Bank to operate in Nigeria and with significant business relationship with the Nigerian deposit money banks, we’re invited to submit proposals to NIMC. The most responsive and willing vendors was MasterCard”.
NIMC announced its selection of MasterCard as the payments technology provider for the Nigerian National eID pilot programme in May 2013 at the World Economic Forum on Africa held in South Africa.
Explains why MasterCard was selected to the expense of Local companies, Onyemenam, said that, “Let’s get it very clear, all existing payment platforms have been licenced and approved to operate in the local market by the CBN, which ‘opened up’ the market as it were. Secondly, there is really no local company except if you are referring to the former locally-owned company in Nigeria, which also has significant foreign partners in the US.
“The reason why NIMC selected MasterCard is due to its deep experience with similar large-scale government programs around the world, its commitment to advancing financial inclusion in Nigeria and importantly, MasterCard’s ability to meet all the functional, technological and economic requirements of the project.
“MasterCard is also the world’s most-accepted payment brand, meaning that Nigerians can use their cards to pay at millions of MasterCard locations in Nigeria and across the border. MasterCard was also able to quickly develop a mutually-beneficial business roadmap that met all the requirements of the NIMC project plan and timelines. Others are just responding and will be considered accordingly”.
The NIMC DG refuted claims that MasterCard can access personal information and biometric data of the National eID cardholder, thus, “MasterCard’s prepaid technology is just one of the card’s 13 different applications, five of which are currently live. MasterCard payments technology is stored securely and separately from other applets, including the card’s identification applets. In fact, there is a firewall between the payment applets and all the other applets so not even a Point of Sale terminal or ATM can access the secured data that is protected on certain parts of the card.
Also speaking, Daniel Monehin, division president, Sub-Saharan Africa, MasterCard, explained that the Corporation is not involved in the identification component of the program and cannot access the national identification database, any citizen’s personal or biometric information.
He said, “MasterCard never collects personal information of cardholders. All payments account specific information is managed by MasterCard’s issuing financial institutions, they are the banks. All personal identification data including biometric and demographic information is collected, managed and secured by NIMC”.
Expatiating on the payments technology deployed by Mastercard under the program, Monehin said the eID card is a chip and pin card certified according to the EuroPay, Mastercard and Visa (EMV) standard for globally interoperable, secure payments, which is mandated by the Federal Government, and it is approved and licenced by the CBN.
The key element of the EMV involves dynamic digital data in every transaction.
“This makes these types of transactions extremely secure and reduces the risk of fraud. When a customer uses an EMV-enabled card to pay at an EMV terminal, it can be instantly identified as an authentic, approved payment instrument belonging to that consumer through a process called dynamic authentication. When used with a personal identification number (PIN), the chip verifies that the consumer is indeed holding his or her own payment card,” he said.
According to him, about 70% of adults in Nigeria who are financial excluded can be integrated into the system through the eID card program, while eliminating the need to carry large amount of cash, among other benefits.
E-Business
Galaxy Backbone, Rural Electrification Agency Commit to Deepening Digital and Energy Access Across Nigeria

In a major step towards deepening Nigeria’s digital and energy infrastructure, Galaxy Backbone Limited (GBB) and the Rural Electrification Agency (REA) have signed a strategic Memorandum of Understanding (MoU) at a brief but impactful ceremony held in Abuja.
The MoU signals a collaborative effort between both agencies to enhance Nigeria’s digital transformation agenda by integrating reliable energy solutions with cutting-edge ICT infrastructure, especially in higher institutions, Government institutions, underserved and rural communities across the country.
Speaking at the event, the Managing Director/CEO of Galaxy Backbone, Professor Ibrahim A. Adeyanju, described the partnership as “a landmark moment in Nigeria’s journey towards a digitally empowered, sustainably powered, and inclusively connected nation.”
“This partnership exemplifies what is possible when two visionary government institutions come together, united by shared goals and driven by the desire to improve the lives of Nigerians everywhere,” he said.
Professor Adeyanju emphasized that while Galaxy Backbone’s core mandate is to provide secure digital infrastructure that powers government operations, reliable and sustainable energy particularly in rural areas is essential to fully actualize digital transformation.
Major highlights of the MoU include:
- Solar electrification of some of GBB’s Metro Fibre sites in Abuja by the REA.
- Powering Hostels of Higher Institutions across the country through the Fibre to Hostel Project being driven by the Federal Ministry of Communications Innovation and Digital Economy (FMCIDE).
- Support for the rollout of the 774 Local Government Digitization Initiative, beginning with six pilot Local Government Areas.
- Provision of LANs, access points, cloud services, colocation infrastructure, and temporary connectivity to enhance REA’s operational facilities nationwide.
The Managing Director of the Rural Electrification Agency Mr Abba Aliyu, in his remarks, expressed optimism that this collaboration will further bridge the digital and energy divide across Nigeria. He noted that by combining REA’s achievements in expanding energy access with GBB’s robust ICT backbone, both agencies are poised to create lasting impact across governance, education, healthcare, and entrepreneurship.
This partnership is also in direct alignment with the Renewed Hope Digital Transformation Agenda of President Bola Ahmed Tinubu, GCFR, which envisions an inclusive digital economy powered by innovation and sustainable energy.
The ceremony was attended by top management from both organizations as well as members of the media.
With today’s signing, Galaxy Backbone and the Rural Electrification Agency have set the tone for stronger, smarter, and more inclusive public service delivery powered by strategic inter-agency collaboration.
E-Business
NIMC Says NIN Services Back Online

National Identity Management Commission (NIMC) has announced the restoration of its National Identification Number (NIN) verification services nationwide.
This, according to the commission, follows the completion of a system maintenance exercise.
In a statement issued on Friday, the NIMC confirmed that all previously disrupted services have resumed.
“NIMC wishes to inform the general public that the recent technical maintenance has been completed and all services have been restored,” the statement read.
The NIMC urged Nigerians seeking to enroll for NIN to visit the its official website to locate the nearest enrollment centers.
The agency also encouraged individuals to make use of its self-service portal for tasks such as data modification, including name changes.
To further ease the verification process, the Commission recommended downloading the NIMC NameAuth app (oath.app) from the Google Play Store or Apple App Store for quick and secure NIN authentication.
NIMC expressed appreciation for the public’s patience during the service disruption, which had impacted banks, telecom providers, and government agencies that rely on NIN verification for their operations.
E-Business
Report Reveals African Organizations Dangerously Overestimating Cyber defences

Many businesses are overestimating their defence against cyber attacks, which creates a significant human risk blind spot. A new KnowBe4 report exposes a worrying disconnect between what leaders think about their cyber security readiness and what employees experience.
According to the KnowBe4 Africa Human Risk Management Report 2025, based on insights from cyber security decision-makers across 30 African countries, despite high awareness, a critical gap exists in turning that awareness into actual readiness and resilient behaviour.
Key findings from the KnowBe4 Africa Human Risk Management Report 2025:
Confidence vs awareness: While cyber security awareness is high, leaders express uncertainty about their workforce’s ability to act on that awareness. Many feel employees may overestimate their capabilities in recognising, reporting and mitigating threats.
The need for adaptive and personalised security awareness training: Many companies fail to personalise security awareness training to specific roles or risk exposures.
Widespread BYOD usage: A large percentage of employees (between 41% and 80%) use their personal devices for work.
AI policy development is lagging: Many companies (46%) are still in the process of developing policies for using AI tools in the workplace.
Regional variation: Southern Africa trains more, East Africa governs AI better and West/Central Africa sees the most human-related security incidents.
This gap is significant because Africa has become an attractive target to cyber criminals, especially those that launch AI-powered attacks. A LexisNexis Risk Solutions study found 60% of South African organisations have seen an increase in AI-facilitated financial crime – above the 56% global average.
Kehinde Popoola, regional manager and key representative for West and East Africa at Rubrik, said digital transformation is gaining momentum in Africa and companies are more exposed to cyber risk. The Rubrik executive adds that amid an increase in threats, it is crucial that organisations adopt an assumed breach mindset.
The KnowBe4 research shows that cyber security preparedness and the actual structures required to support secure behaviour seem misaligned.
The report highlights that just 10% of cyber security leaders are fully confident that staff would report a phishing attack or other cyber threat, despite rating employee security awareness of cyber threats at four out of five or higher.
There is also a significant perception gap between decision-makers and general employees in Africa regarding security awareness training, with 68% of leaders believing that training is tailored to roles, compared to only a third of employees feeling adequately trained.
KnowBe4 asserts that many organisations only conduct annual or biannual training that is too generic to effectively change behaviour, contributing to uncertainty about its effectiveness.
According to another report, the KnowBe4 African Cybersecurity and Awareness Report 2025, which focuses on end-user based responses, only 43% of African respondents felt confident in their ability to recognise a cyber threat, and just one in three believed their security awareness training was adequately tailored to their role. This comparison suggests the development of a dangerous perception gap in many organisations.
“There’s a disconnect here – between what leaders think is happening and what employees are actually experiencing,” says Anna Collard, SVP content strategy and evangelist at KnowBe4 Africa. “The data shows that without procedural and cultural follow-through, awareness simply doesn’t translate into readiness.”
“The continent’s cyber security posture may be more confident than it is truly resilient,” Collard adds.
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