Category: e-Business

  • 5G: OPPO to close access gap

    5G: OPPO to close access gap

    With access to affordable fifth generation (5G) technology devices as one of the challenges faced by its adoption in the country, world’s fourth largest mobile phone brand, OPPO, said it planned to close the access gap with its mid-range smartphone series, the Reno 8T, in Nigeria.

      Following successful international launches in India, Philippines and Kenya, Nigeria is set to join the growing list of markets shipping the Reno 8T series to customers.

    According to a post on the brand’s Instagram page, launching in two models – the Reno 8T 5G and the standard Reno 8T (4G), massive upgrades have been made in key areas of the new smartphones especially in photography, design and Charging. The Reno 8T 5G for instance will feature OPPO’s first ever 108MP Camera, worthily nicknamed “The Portrait Expert”.

    Other key features include a 120Hz 3D Curved AMOLED Screen to deliver an amazing next-level visual experience, and a stunning 67W SUPERVOOCTM Charger that ensures over five hours of call time on a five-minute charge and from 0-100 per cent in 44 minutes of charging the Reno 8T 5G. Also, as it has become somewhat of a signature, OPPO’s iconic glow design shines forth on the Reno 8T 5G.

    The Reno 8T 4G, on the other hand, sports a 100MP Portrait Camera, Fiberglass-Leather Design (which we really love by the way), and 5000mAh Battery with 33W SUPERVOOCTM charger. Not forgetting to mention the expandable RAM, dual stereo speakers, 48-Month Fluency Protection, amongst many other features on both smartphones.

  • Samsung commits to environment

    Samsung commits to environment

    South Korea’s original equipment manufacturer (OEM), Samsung, has said it is committed to the environment in line with the global push to combat climate change.

    Managing Director, Samsung Nigeria, Charles Lee, who gave the pledge in Lagos during the unveiling of the new Galaxy A14 , said sustainability remained top of mind as Samsung’s eco-conscious technology and innovation continue to get built into the latest products.

    Lee said the Galaxy A14 was developed with environmentally friendly materials including recycled plastic, which was used for the device’s various components. Furthermore, its accessories were made with bio-based TPU.

    He said a minimalist approach was applied to the product packaging, which was made using recycled paper to also reduce carbon mono oxide (C02) emission during delivery.

    According to him, he explained that this latest Galaxy A series comes with a large screen, an awesome camera and all the essentials you need to stay connected.

    “It looks and feels awesome as it delivers a truly special performance from its connectivity and design to give its users an overall amazing mobile experience at a great value.

    “The Galaxy A14 features the tried and tested Galaxy signature design identity with a refined and polished camera deck.

    “The flat, linear camera housing seamlessly blends into the uni-body frame to complete the visually appealing silhouette. With a laser pattern back cover, the phone comes in beautiful colours that include light green, black and silver1,” Lee explained.

    Giving further technical details, the OEM said the Galaxy A14 boasts an enhanced, wider and sharper display with a 6.6 FHD+ large display2, high resolution for immersive viewing. This is an improvement on the Galaxy A13 that it replaces, which had a 6.5” HD+ display.

    camera3. The 50MP main camera ensures that every detail comes alive in high resolution and you can snap the best of yourself with the 13MP selfie camera. It got a wider perspective and amazing details using the 2MP ultra-wide camera or capture the tiniest details, up-close and crisp with the 2MP macro camera,” the company said, urging customers to enjoy the room to store more of everything you love with 4GB of memory and 64GB or 128GB storage. “You can run more apps and save more of your favourite things with the Galaxy A14’s large and expandable virtual memory and storage. Save more photos, videos, music and documents, and get up to 1TB of extra storage by simply sliding in a microSD card4.

    “In life, once a moment has passed, it will never happen again – the Galaxy A14’s battery works tirelessly so you can savour all those priceless moments. You can certainly get more out of life with its 5000mAh capacity longer-lasting battery5.

    “Be it shooting high-quality videos of the fun times or taking clear detailed pictures of yourself, your friends or family, enjoying your music playlists, streaming your favourite movies or shows, the Galaxy A14 lets you focus on doing just that and worry less about running out of battery power, which runs strong for two days on a single charge,” the company added.

    The company also enjoins customers to enjoy peace of mind in knowing that your device is safe and your privacy is protected with the updates to the operating system and security features.

    Samsung provides 2 OS updates and Security Maintenance Release to maximise your experience with the latest features and the highest level of security.

  • Victor Omaghomi receives prestigious West Africa Accounting Profession Excellence Award

    Victor Omaghomi receives prestigious West Africa Accounting Profession Excellence Award

    The Association of Accountancy Bodies in West Africa (ABWA) has honored one of Nigeria’s leading new-generation accountancy professionals, Mr. Victor O. Omaghomi, with its prestigious Award of Excellence for his outstanding contributions to the profession. Mr. Omaghomi, alongside four other distinguished professionals from across West Africa, was recognized at the 97th ABWA Council meeting, hosted by the Association of National Accountants of Nigeria (ANAN) in Abuja. This esteemed award acknowledges individuals who have demonstrated extraordinary capabilities and achievements in various subfields of accounting. The other awardees include Trevor Goott (United Kingdom), Elizabeth Makuwerere (South Africa), Barry Williams, and Kerry-Lee Johnson.

    Designed to promote professionalism, the ABWA Award for Excellence is the continent’s most high-profile event for the accounting profession. It aims to recognize exceptional achievements from Africa’s accounting elite. Awardees are selected through public nominations and an Awards Jury from the ABWA governing council. This rigorous selection process ensures that the accolades recognize and promote the highest standards in the accounting profession.

    In their citation, the organizers stated: “Victor Omaghomi from Nigeria is awarded the 2023 Award of Excellence for his outstanding service and dedication to the accounting profession. Mr. Omaghomi’s commitment to excellence and integrity has been instrumental in advancing professional standards and practices. He has been a key figure in providing technical assistance and promoting regional cooperation, which aligns with ABWA’s mission. His contributions to professional development and education have been invaluable. His transparent approach to professional practice has earned him the trust and admiration of his peers and clients.”

    The Council highlighted that Omaghomi and his fellow awardees are playing pivotal roles in enhancing the auditing and accounting profession across Africa, promoting ethical standards, and fostering continuous professional development. “Their contributions have strengthened the profession and supported the broader economic development of the region,” the Council noted.

    ABWA emphasized that the Accolades of Excellence are awarded through a comprehensive process designed to honor outstanding professionals in the accounting field, ensuring that the highest standards are recognized and celebrated.

  • TD Africa okays N10m seed fund for female entrepreneurs

    TD Africa okays N10m seed fund for female entrepreneurs

    Distributor of tech and lifestyle products, TD Africa, has rolled out plans to empower women in business with seed funding up to the tune of N10million.

    The initiative is being executed through the “The HERwakening”, a Corporate Social Responsibility (CSR) vehicle pioneered by the firm aimed at supporting and empowering female entrepreneurs.

    “TD Africa is committed to the transformation of lives in Nigeria. In line with the focus of this year’s celebration of International Women’s Day, we understand, as a business, that equal opportunities aren’t enough. Therefore, we are going a step further to ensure true inclusion and belonging through equitable action by granting seed funds to female entrepreneurs,’’ stated the Coordinating Managing Director, Mrs. Chioma Chimere.

    ‘‘Technology remains a male-dominated sector. However, we are hopeful that this seed funding will go a long way in promoting equity and giving more women a chance to excel in the industry. We are passionate to see dreams come true through this initiative.The HERwakening aims to alleviate the hardship and challenges encountered by women-owned businesses. It is also a testament to our pledge to impact and empower female-led businesses and entrepreneurs across Africa with the required resources and technical support to ensure the viability of their ventures.”

    Furthermore, she revealed that, in addition to the seed funds, TD Africa will continue to provide mentorship and training to effectively equip female entrepreneurs with the right tools to achieve business growth, profitability and sustained success.

    The seed fund is open to female business owners who are retailers of mobile devices and Fast Moving Consumer Goods (FMCG) or prospective female entrepreneurs looking to start up a business in these identified areas. Applications, which have commenced for the seed funding, will run from March 8, 2023 (International Women’s Day) through to Saturday, March 18, 2023.

    Interested beneficiaries are urged to visit https://tdafrica.com/herwakening-2023/ to register their interest.

    As earlier mentioned, the seed funding is targeted at prospective and existing retailers/resellers of mobile devices and FMCG products. After registering, business owners will proceed through two screening rounds where they will pitch their ideas. Successful participants will receive the sum of N2 million each, plus free business mentorship and consultation.

    TD Africa’s intervention is driven by global trends which indicate that more women are actively starting up and leading businesses, even as the company points to a visible increase in female participation in the male-dominated IT ecosystem. Nevertheless, TD Africa is convinced that immense untapped opportunities still abound.

  • Avalanche of failed transactions

    Avalanche of failed transactions

    Complaints about hanging transactions have become very rampant. Bank customers that were forced to use alternative channels including electronics, have been licking their wounds.

    Alhaji Yunus, a welder in the Ladipo, Oshodi, Lagos, said he used his banking app to transfer N45,000 as payment for materials for him to start a contract.The transfer was done twice and he was debited. The client got one of the transactions while the other remained hanging in the air.

    Another woman said she transferred N20,000 for payment of purchases and got debited. The shop owner didn’t get the credit alert.

    Banks not prepared

    Telecom operators said commercial banks were not prepared for the full blown cashless programme of the CBN.

    Acting under the aegis of the Association of Licensed Telecoms Companies of Nigeria (ALTON), they believe the success rate of e-transaction that has plummeted for the withdrawal of old notes without a concomitant increase in the supply of the new notes that has led to the use of e-payment channels has shown that the banks were ill-prepared for the programme in terms investment in requisite infrastructure.

    Its Chairman, Gbenga Adebayo, who was reacting to the sharp decline in the success rate of electronic transactions in recent times, said the mobile network operators (MNOs’) infrastructure remained resilient adding that the failure was from the commercial banks side.

    He said from the traffic report monitored on the transactions that pass through the network, the fault was not that of the MNOs. He said the operators only serve as a highway and have no control over what happens when the transactions get to the server of the banks.

     “We think the banks are not prepared for this. The banks are overwhelmed,” Adebayo said, adding that if the problem was from the MNOs, people would not have been able to access the internet on their mobile devices.

    In a separate interview, the President, Association of Telecoms Companies of Nigeria (ATCON), Ikechukwu Nnamani, said the flip-flop service of electronic banking has nothing to do with the strength of network infrastructure.

    Nnamani, who is the Chief Executive Officer of Medallion Communication Limited, said the inability of bank customers to make use of either the USSD or app is a fault of the banking platforms.

    President, National Association of Telecoms Subscribers of (NATCOMS), Chief Deolu Ogunbanjo had blamed the development on pressure exerted on the network owing to the knee-jerk CBN’s cashless policy implementation. He said the state of access to telecoms services is very poor because of the pressure on the network.

    “Cashless is good because it is a global phenomenon, but it must be implemented gradually. With the current state of infrastructure now, you will be lucky if you make 10 cash transfers and get alert for two. As a matter of fact, the success rate of electronic cash transfer since the problem started has slumped to between 20 and 25 per cent.  The CBN should extend the timeline,” he had said.

  • Counting cost of Nigeria’s cashless policy

    Counting cost of Nigeria’s cashless policy

    About two weeks after the Supreme Court voided the wholesale brutal implementation of the cashless policy of the Federal Government and its attempt to set the limit of cash a bank customer could withdraw from his or her account, LUCAS AJANAKU reports that individuals, small businesses and vulnerable members of the society are counting their losses.

    Madam Bona runs a small scale retail and wholesale business in Abesan Estate, Ipaja, Lagos. Things have been tough for everyone in the country over the last one year but life continued. Like others, she continued to hope until her husband died last year. After the burial, she returned to Lagos in January to confront the harsh reality of life imposed by the forceful implementation of the cashless policy.

    Faced with an existential threat without cash to even feed her four children, she started accepting cash transfers through her Ecobank account. Then the unexpected started happening. “I have lost about N200,000 to the cashless policy because some people say they transferred cash to me for goods bought. At their end, they get debited but at my end, I didn’t get credited.

    “When I try to use my banking app to check, sometimes the thing just rolls, rolls and rolls without connecting. I then got a book in which I write customers’ names, numbers and cash transfers hoping to check through very early in the morning. The situation remained the same. No cash credited. Some of the customers will ask me to go and check with my bank. At my age, I don’t have the strength to wake up at 5am to pick a tally number so I could enter the banking hall to complain,” she lamented.

    Eighty four-year old Pa Ajayi Bamidele is a retiree. With old age had come all manners of health challenges. But Engineer, as he is fondly called, has a major health problem. He spends between N30,000 and N40,000 monthly to buy drugs and other things. A widower, during his active years, he had saved money in the bank in the hope that he could withdraw the cash for his upkeep to augment whatever might come from his children in his old age.

    He said: “I was born in 1939 and I am treating prostate. I buy two drugs: Contiflow XL and Azodart every month on the recommendation of the doctor to treat myself.  Now, this cashless policy has dealt a terrible blow to me. The other time, I managed to go to the bank and ask for N10,000. The teller looked at my age and gave me N4,000 in N20 notes. Now, I am unable to get money to run my life. In other countries of the world, a senior citizen like me will not be going to queue in the bank and beg for the money I saved with the bank.”

    He said he had never seen anything like this in his life, adding that even during the civil war, the federal side had their currency while Biafra had theirs too. Life, he said, went normal.

    He asked rhetorically: “How can I have money in my bank account yet starve to death?”

    Iya Eni is a food seller within the neighbourhood. A widow with two grown up kids that are in the university, she supports herself and the children with proceeds from what she sells. Like a thunderbolt, the cashless policy came. Initially, she was accepting transfers but when she could not withdraw cash from either the banks or point of sale (PoS) operators, she closed shop.

    Hear her: “I sell food for students every morning. People in the neighbourhood also patronise me. But the cashless policy was introduced and people no longer had cash to pay. For two weeks or so, I struggled; accepting transfer but suddenly, things became more terrible. There was no cash at all. The PoS operators that were initially accepting N1,000 for N10,000 too ran out of cash. And I cannot go to Oke Odo Market in Abule Egba without cash. The Hausa sellers of pepper and tomatoes do not have bank accounts let alone accept transfer. So, that was how the government killed my business and dream. To feed and support my kids now is a Herculean task.”

    Like Iya Eni, Madam Esther recalled her experience at the popular Oke Odo foodstuff market over the weekend. According to her, the Mallams no longer accept cash transfers. They say when the trucks bring in goods from the northern parts of the country, they insist on payment with cash. This development has affected sales because people don’t have cash and the sellers are not prepared to accept bank transfers.

    She said: “The Mallams complained that they don’t have bank accounts. Those that have said they have money in their accounts which they are unable to access because of a strange punitive economic policy from the Central Bank of Nigeria (CBN).”

    One of the sellers who identified himself simply as Abubakar lamented that he has suffered colossal losses to the policy. Pointing at several baskets of rotten tomatoes and pepper, he said it cost him several millions of naira.

    “I don’t know why baba is punishing us. Baba will be remembered more for these needless hardships than his good intentions. It is very sad that this is happening. People are hungry not because they don’t have money but because baba deceived them to bring their money to the bank and baba locked the money up,” he said through an interpreter.

    The few shop owners that have PoS added transactions cost with charges ranging from between N200 on every N1000 transferred to N300.

    Anti Hadija who sells foodstuffs said she accepts transfer, adding however that she would need to buy cash for transport home. A PoS operator in the market that gets cash from who knows charges N6000 for N20,000. 

    According to her, rural farmers were worst hit as they are unable to get cash to live their lives. “Farmers have been calling me to come with any amount of cash to come and carry foodstuffs. Corn is ready, dried plantain and yams used as powder for elubo (a local delicacy common with the Yoruba people) are ready. They need cash to run their local economies in the farms but since my cash is locked up by the CBN, I am unable to go and restock my shop,” Hadija said.

    Avalanche of failed transactions

    Complaints about hanging transactions have become very rampant. Bank customers that were forced to use alternative channels including electronic, have been licking their wounds.

    Alhaji Yunus, a welder in the Ladipo, Oshodi area of Lagos, said he used his banking app to transfer N45,000 as payment for materials for him to start a contract. The transfer was done twice and he was debited. The client got one of the transactions while the other remained hanging in the air.

    Another woman said she transferred N20,000 for payment of purchases and got debited. The shop owner didn’t get the credit alert.

    In one of the banks visited, customers were locked out while the security men manning the iron gates gave them forms to fill essentially for failed transactions. No other banking services were available.

    Strangely, the policy took the banking sector back to about two decades ago when customers would come to the bank with mats in their hands because they knew they were going to spend productive hours in a long queue. Bank customers in some parts of Lagos wake up as early as 5am to go to the bank and get a tally number.

    Banks not prepared

    Telecom operators on whose infrastructure the transactions, be it USSD or internet rode, said commercial banks were not prepared for the full blown cashless programme of the CBN.  According to them, as a gateway, transactions that pass through their infrastructure go seamlessly but when they get to the banks’ server, they develop hiccups.

    Acting under the aegis of the Association of Licensed Telecoms Companies of Nigeria (ALTON), they believe the success rate of e-transaction that has plummeted on account of the withdrawal of old notes without a concomitant increase in the supply of the new notes that has led to the use of e-payment channels has shown that the banks were ill-prepared for the programme in terms investment in requisite infrastructure.

    Its Chairman, Gbenga Adebayo, who was reacting to the sharp decline in the success rate of electronic transactions in recent times, said the mobile network operators (MNOs’) infrastructure remained resilient adding that the failure was from the commercial banks side.

    He said from the traffic report monitored on the transactions that pass through the network, the fault was not that of the MNOs. He said the operators only serve as a highway and have no control over what happens when the transactions get to the server of the banks.

     “We think the banks are not prepared for this. The banks are overwhelmed,” Adebayo said, adding that if the problem was from the MNOs, people would not have been able to access the internet on their mobile devices.

    In a separate interview, the President, Association of Telecoms Companies of Nigeria (ATCON), Ikechukwu Nnamani said the flip-flop service of electronic banking has nothing to do with the strength of current network infrastructure.

    Nnamani who is the Chief Executive Officer of Medallion Communication Limited, said the inability of bank customers to make use of either the USSD or app is purely a fault of the banking platforms.

    President, National Association of Telecoms Subscribers of (NATCOMS), Chief Deolu Ogunbanjo had blamed the development on pressure exerted on the network owing to the knee-jerk CBN’s cashless policy implementation. He said the current state of access to telecoms services is very poor because of the pressure on the network.

    “Cashless is good because it is a global phenomenon but it must be implemented gradually. With the current state of infrastructure now, you will be lucky if you make 10 cash transfers and get alert for two. As a matter of fact, the success rate of electronic cash transfer since the problem started has slumped to between 20 and 25 per cent.  The CBN should extend the timeline,” he had said.

    Call for action

    An ICT and infrastructure development company, PPC Limited, has advised financial institutions to strengthen their e-payment platforms.

    Its Director of Operations/Head, ICT Division, Dr Patrick Ede, said the inadequacy of the e-payment channels to withstand the deluge of transactions as a result of the surge in the use of such channels for payment is causing many failed and unsuccessful transactions.

    He added that the congestion and resultant system downtime are negatively affecting the commercial activities of merchants as transactions have become slow, delayed and sometimes incomplete due to the fact that the banks were never ready for the level of surge they are currently experiencing.

    He called on banks to implement measures that will ensure all electronic payment channels can process simultaneously, quickly and efficiently.

    Ede said: “The rising demand on the digital channels of banks calls for increased investment in reliable payment systems that speedily deliver on transactions.

     “To alleviate the congestion on payment channels, banks should carry out an audit of payment channels to identify gaps and loopholes in the system with a view to phased resolution. This first step will ensure that banks raise the standards of experiences they provide to customers and ensure that customers remain at the centre of their business models.”

    He urged banks to consider upgrading their server, network and hardware infrastructure to handle peak-time operations, adding that this move will ensure that all electronic payment channels can process transactions swiftly and efficiently.

    Ede advised the financial institutions to enhance their security protocols to ensure that all electronic payment channels are secure, protect customer data and prevent fraud.

    According to him, there may also be a need for financial institutions to expand their existing payment channels in order to accommodate more transactions.

    PPC’s expertise in the deployment of high-end ICT and engineering infrastructure has assisted several organizations in the public and private sectors to create secure, robust and scalable systems suitable for a broad range of commercial uses.

    The Supreme Court had on March 3 nullified the Federal Government’s cashless and naira redesign policy, declaring it as an affront to the 1999 Constitution.

    It had also held that President Muhammadu Buhari breached the constitution in the manner he issued directives for the redesigning of the banknotes by the CBN, arguing that the unlawful use of executive powers by the president inflicted unprecedented economic hardship on the citizens by denying them ownership of, and access to, their money.

    The court, in a unanimous judgment delivered by Justice Emmanuel Agim on behalf of the seven-member panel of Justices of the court, voided and set aside all the directives issued by President Buhari in respect of the naira redesign and circulation on the grounds of illegalities and abuse of executive powers.

    The court held that the president ought to have put in place adequate provisions before giving the directives for the change of currency and added that the demonisation directive of the president is not consistent with the provisions of the law.

    The apex court took a swipe at Buhari for disobeying its interim order of February 8 to the effect that the old naira notes of N200, N500 and N1,000 denominations be allowed to be in circulation.

    Justice Agim held that the president exhibited and took the disobedience to the highest levels with his broadcast of February 16 in which he allowed the N200 notes alone.

    The court held that the rule of law, which the democracy of the country is founded on, would become a misery if the president refused to obey the order of the court.

    Sixteen state governments had challenged the Federal Government at the apex court on the controversial naira redesign and cashless policy.

    The sixteen states, led by Kaduna, Kogi and Zamfara, prayed the apex court to void and set aside the policy on the grounds that it was inflicting hardship on Nigerians.

    They accused Buhari of usurping the function of the CBN in the introduction and implementation of the policy and asked that the directive issued by the president be voided.

    On its part, the Federal Government challenged the jurisdiction of the apex court on the grounds that the CBN was not joined as a party and that the dispute on the policy ought to be directed at the CBN so that the suit could be referred to the Federal High Court.

    In the unanimous judgment, the apex court dismissed the preliminary objection raised by the defendants against the suit of the plaintiffs.

    According to Justice Agim, the directive of the president to the CBN on the amount of money for withdrawal by individuals and corporate organisations is invalid.

    The court held that the president acted ultra vires by his glaring failure to consult with the National Council of State, Federal Executive Council (FEC) and the National Economic Council (NEC) before directing the CBN to unlawfully introduce new naira notes.

    The court held that the unconstitutional use of powers by President Buhari on the naira redesign breached the fundamental rights of Nigerians in various ways.

    It said such use of powers by President Buhari is not permitted under democracy and in a pluralistic society like Nigeria.

    The Supreme Court’s judgment came as an elixir to citizens that had long been subjected to untold hardships, with many losing their lives because of inability to access the needed cash to pay for medical bills and get prescription drugs. Others died protesting against the state-induced hunger and starvation.

  • Global digital divide shows no sign of closing

    Global digital divide shows no sign of closing

    Over the years, accessing the internet has become cheaper and easier and mobile broadband has gone from being non-existent to being ubiquitous. But this progress has been from a very low base and so much remains to be done, especially in least developed countries (LCDs), according to the International Telecommunication Union (ITU) report. Lucas Ajanaku writes.

    According to the Director, International Telecommunication Union (ITU) Telecommunication Development Bureau, Cosmas Luckyson Zavazava, since the Fourth United Nations Conference on LDCs in 2011, progress has been made in terms of connectivity.

      He said the share of the population in LDCs using the internet increased almost ten-fold to reach 36 per cent. Accessing the internet has become cheaper and easier and mobile broadband has gone from being non-existent to being ubiquitous.

     “But progress has been from a very low base and so much remains to be done. SDG Target 9.c called for closing the access gap in the LDCs by 2020. Yet, three years past this deadline, almost one fifth of the population cannot even access the internet. Among those who can access, many do not, because of multiple barriers, ranging from awareness to skills and costs. Over the past decade, the connectivity challenge has become more complex and demanding.

    “Bringing everyone online is no longer enough. Meaningful connectivity – the possibility to enjoy a safe, satisfying, enriching, productive and affordable online experience – is the new imperative.

    “For LDCs, this remains a major challenge. The digital divide between LDCs and the rest of the world shows little sign of narrowing. The risk is all too evident as the world becomes increasingly adept at leveraging the Internet for value creation, LDCs risk falling further behind,” he wrote in Foreward to Measuring digital development Facts and Figures: Focus on Least Developed Countries, released at the weekend.

    According to the report, only 36 per cent of the population in LDCs are online as last year, an estimated 407 million people in LDCs were using the internet, accounting for 36 per cent of the population, compared to 66 per cent globally. The 720 million people still offline in LDCs account for 27 per cent of the global offline population, even though the LDC population accounts for only 14 per cent of the world’s population.

    The average conceals striking disparities across the 46 LDCs. In 2021, the latest year for which country-level data are available, the Internet penetration rate ranged from 6 per cent in Burundi to 86 per cent in Bhutan, which is on par with many advanced economies (see section Diversity within the LDCs). In 2022, in the one LDC in the Americas region, Internet use stood at 53 per cent, in the 12 LDCs in Asia and the Pacific it was 43 per cent, while in the 33 LDCs in Africa the average was 28 per cent.1

    Since the Fourth United Nations Conference on the LDCs in 2011, Internet use in LDCs surged from four per cent of the population to 36 per cent, corresponding to a compound annual growth rate of 22 per cent, more than three times the global growth rate (7.2 per cent).

    However, this differential is not surprising considering that LDCs started from a much lower base (in 2011, 31 per cent of the world’s population was already online). Figures show that as Internet penetration increases, growth in Internet use tends to slow down, indeed, growth rates ranged from 13 to 17 per cent between 2019 and 2022, significantly lower than those observed between 2011 and 2018 (23 to 39 per cent).

    In LDCs, the COVID-19 pandemic did not cause a boost in Internet use, unlike in more advanced economies, where growth rates typically doubled in 2020 and 2021.

    These figures suggest that universal and meaningful connectivity – the possibility for everyone to enjoy a safe, satisfying, enriching, productive and affordable online experience – remains a distant prospect for LDCs. ITU and the Office of the UN Secretary-General’s Envoy on Technology have established a set of aspirational targets for universal and meaningful connectivity for 2030.

    While it is possible that a few countries will meet the targets by 2030, many LDCs will not, the report noted.

    It said when measured in terms of internet use, the digital gender gap in LDCs remains significant with no sign of narrowing. Last year, 43 per cent of the male population in LDCs was online, up from 28 per cent in 2019. That is 13 percentage points more than the uptake among the female population (30 per cent). The gender parity score, calculated as the percentage of females divided by the percentage of men using the Internet, stands at 0.69 and has remained stable since 2019. In contrast, with a parity score of 0.92 the world as a whole is moving closer to gender parity, defined as a score of at least 0.98.

     As of last year, the report added, almost half (48 per cent) of young people (15- to 24-year-olds) in LDCs were online, almost double the rate of 2019 (26 per cent). That is almost 15 percentage points more than for the rest of the population (33 per cent, up from 20 per cent in 2019). While trailing the global average of 75 per cent, the relative gap between LDCs and the world average is much smaller for young people than the gap for the whole population. This greater uptake among the young bodes well for the future, as half of the population of LDC is 20 or younger. “It means that the workforce will become more connected and technology-savvy as the young generation joins its ranks. This in turn could improve the development prospects of LDCs.

     “In the LDCs, just over a quarter (28 per cent) of the population in rural areas was online in 2022, compared with 52 per cent of the population in urban areas. Between 2019 and 2022, the urban-rural ratio narrowed from 2.5 to 1.9, as rural areas are experiencing ‘catch-up’ growth: 21 per cent annually during the four-year period, more than twice the rate in urban areas (10 per cent). These trends mirror the trends observed at the global level,” ITU report noted.

     Broadband subscriptions

     The report noted that the number of mobile broadband subscriptions in LDCs grew from a negligible 1.3 per 100 people to 42 per 100 inhabitants in 2022. Despite the impressive growth – an average of 37 per cent per annum – current penetration rates are less than half the world average (87 active mobile-broadband subscriptions per 100 inhabitants). Vast regional disparities exist in the group. In LDCs in Asia and the Pacific, there were 65 mobile broadband subscriptions per 100 people, more than twice the rate in the Africa region LDCs. Country-level disparities are staggering, one LDC had 110 subscriptions per 100 people, another less than 3.

     Fixed-broadband plays an insignificant role in LDCs, which seem to be caught in a vicious cycle of high costs and low demand, with only 1.6 subscriptions per 100 inhabitants in 2022. The situation is better in LDCs in Asia and the Pacific, with 4.1 subscriptions per 100 inhabitants, than in LDCs in Africa, with only 0.4 subscriptions per 100 inhabitants. Fixed broadband networks are unavailable in many parts of LDCs, especially in rural areas, and if they are available, they are often prohibitively expensive (see the “Affordability” section below).

     Mobile network coverage

     The report said universal broadband coverage remains a mere wishful thinking.  In LDCs, and most developing countries, mobile broadband (3G or above) is the main way — and very often the only way – to connect to the Internet. And yet only 83 per cent of the combined LDC population is covered by a mobile broadband signal, compared with 95 per cent of the world’s population. For LDCs, this leaves an access gap of 17 per cent of the population that cannot access the Internet: some have no mobile signal at all (8 per cent), and others have a mobile cellular signal that does not connect to the Internet (9 per cent). The access gap of the world’s population is five per cent, made up of the two per cent of the population with no mobile signal and three per cent that only receives a 2G signal. Similar to other connectivity measures, performance varies across LDCs. For instance, the access gap is 10 per cent in LDCs in Asia and the Pacific, half the gap observed in the LDCs in Africa.

     These results show that as a group, LDCs are far from reaching the SDG Target 9.c of universal mobile broadband coverage despite having passed the deadline to meet that target three years ago (“to significantly increase access to information and communications technology and strive to provide universal and affordable access to the Internet in least developed countries by 2020”).

     Network connection and access are prerequisites for using the Internet: while 17 per cent of the population in the LDCs cannot access the Internet, another 47 per cent has access to it but does not use it. This usage gap is a reminder that there are other barriers besides access that stand in the way of Internet use.

     Virtually all urban areas in the world are covered by a mobile broadband network. In LDCs, however, one fifth of the urban population only has access to a 3G network, a much slower technology than 4G. In the rural areas of LDCs, 13 per cent of the population has no mobile signal at all and another 13 per cent only has access to a 2G network, meaning that 26 per cent cannot access the Internet. Forty-two per cent can only rely on a 3G network. This means that only a third of the rural population of LDCs is covered by a 4G network.

     Affordability

     The lack of affordability is one of the main barriers to internet use and accessing the internet is more costly in LDCs than anywhere else in the world. The price of a benchmark mobile broadband basket with a 2 GB monthly allowance amounts to almost six per cent of the average monthly income in LDCs, which is around four times the 1.5 per cent average cost across the globe. The UN Broadband Commission has set an affordability target for the cost of a benchmark monthly entry-level broadband subscription at no more than 2 per cent of the average gross national income (GNI) per capita in a country. In 2022, only two LDCs met the 2 per cent target: Bangladesh (for both mobile- and fixed-broadband subscriptions) and Bhutan (for mobile broadband only). There are a further 16 LDCs where mobile broadband services cost less than five per cent of monthly GNI per capita. This means that in the vast majority of LDCs, Internet costs more than five per cent of GNI per capita and can rise to as much as 24 per cent.

     The share of income that the poorer segment of the population needs to spend makes it even more prohibitive.

     In LDCs, the price gap between mobile and fixed broadband is much wider than elsewhere in the world. Fixed broadband typically costs around three times as much as mobile broadband in LDCs, but ‘only’ twice as much elsewhere. Median prices conceal vast disparities: fixed broadband basket prices in 2022 ranged from 3.6 to 71.6 per cent of monthly GNI per capita in 90 per cent of LDCs where data is available (although in one country it reached 96.2 per cent).

     Broadband services are becoming more affordable in LDCs, despite the dampening effect of the COVID-19 pandemic on this trend. The median price for a data-only mobile subscription in 2018 dropped from 8.9 per cent of monthly GNI per capita to 5.9 per cent in 2022, a 34 per cent reduction.

     Affordability has improved faster in LDCs where prices were highest. Among LDCs with the most expensive data-only mobile subscriptions in 2018, prices ranged from 19.6 to 85.7 per cent of GNI per capita. In contrast, by 2022, prices in the same LDCs ranged from 9.5 to 23.8 per cent of monthly GNI per capita. Over the same period, the median price of fixed broadband subscriptions dropped by only 19 per cent and still accounts for 17 per cent of GNI per capita.

     Phone ownership, subscriptions

     Last year,  majority of people in LDCs owned a mobile phone (58 per cent), which is much closer to the global average (73 per cent) than observed for many other indicators. Not surprisingly, this was also the case for mobile cellular subscriptions: the LDC average of 79 subscriptions per 100 inhabitants is relatively close to the world average of 108. The gap in mobile broadband is much bigger: 42 subscriptions per 100 inhabitants in the LDCs compared with 87 for the world. In part this is because the necessary infrastructure to access a mobile broadband network is missing, but these results also suggest that voice and text remain an important way of communication in LDCs.

     The gender gap for mobile phone ownership remains wide. In 2022, mobile phone ownership among the male population in LDCs reached 68 per cent, while ownership among the female population rose to only 48 per cent. This translates into a gender parity score of 0.71, much lower than the global gender parity score of 0.88. However, neither parity scores for LDCs, nor scores at the global level, have made much progress over the last four years.

     International bandwidth usage

     The international connectivity gap between LDCs and the rest of the world is widening fast

     The unrelenting appetite for Internet data continues to drive demand for international data and therefore bandwidth usage. However, the lack of infrastructure for international connectivity remains a barrier for universal and meaningful connectivity in many LDCs. In 2022, the average international bandwidth usage was 38 kbit/s per Internet user in LDCs, about one sixth of the global average of 233 kbit/s.

     More recently, LDCs have benefitted from the deployment of submarine and overland cables as well as satellite links. Since 2015, bandwidth usage in LDCs has grown by 28 per cent annually, higher than the global increase of 24 per cent. Nevertheless, this has not been sufficient to close the staggering international connectivity gap between LDCs and the rest of the world.

     On average, Internet users in LDCs used less international bandwidth in 2022 than the world average in 2015 and the gap between LDCs and the world has widened from 45 kbit/s to 195 kbit/s.

     Disparity between LDCs

     Least developed countries are often analysed as a single group. However, as far as elements of connectivity performance are concerned, it can be useful to group LDCs based on indicators of Internet use, mobile phone ownership, mobile and fixed subscription levels, affordability of entry-level mobile and fixed broadband, and gender equality.

     The first group made up of Bhutan, Cambodia, Djibouti, Lao P.D.R., Lesotho, Mauritania, Myanmar, Sao Tome and Principe, Senegal, and Tuvalu, is characterized by levels of ICT usage and ownership similar to overall world averages. In this group, the gender gap in Internet use is on a par with the rest of the world. However, affordability remains a challenge with prices well above the Broadband Commission target of two per cent of monthly GNI per capita or lower.

     By contrast, the second group of LDCs – consisting only of Bangladesh and Republic of Nepal– has lower levels of Internet use, mobile phone ownership, and mobile subscriptions as well as a wide digital gender gap. However, with prices approaching two per cent of monthly GNI per capita, these two LDCs are much better placed to reach the Broadband Commission target on affordability.

     The third group consisting of Afghanistan, Angola, Benin, Burkina Faso, Comoros, Ethiopia, Gambia, Guinea, Guinea-Bissau, Haiti, Kiribati, Liberia, Malawi, Mali, Mozambique, Rwanda, Solomon Islands, Sudan, Tanzania, Timor-Leste, Togo, Uganda, Yemen, and Zambia, is the largest and therefore most representative LDC on average. Low levels of ICT use and ownership, low subscription levels and poor affordability measures demonstrate the development challenges present in these countries.

     However, their circumstances remain ahead of the fourth group of countries, which include Burundi, Central African Republic, Chad, Democratic Republic of the Congo, Eritrea, Madagascar, Niger, Sierra Leone, Somalia, and South Sudan.

      ICT indicators in these countries are the poorest among LDCs. In this group, the average for mobile phone ownership remains well below 50 per cent. In addition, these countries are characterized by especially challenging affordability issues with the median country’s data-only mobile broadband plan priced at over 10 per cent of monthly GNI per capita.

     The diversity of these groups of countries underlines the need for flexibility in approaching the varied challenges of bringing universal and meaningful connectivity to people living in LDCs.

     The underlying conditions in each country must be fully understood to develop truly impactful policies.

     Note: “This translation was not created by the ITU. ITU is not responsible for the content or accuracy of this translation. The original English edition shall be the binding and authentic edition.”

  • Phishing attacks exceed 500 million

    Phishing attacks exceed 500 million

    Kaspersky’s anti-phishing system prevented more than 500 million attempts at accessing fraudulent websites globally in 2022.

      This is twice more compared to 2021 figures. In Africa, 8.7 per cent of individuals and corporate users were affected by phishing: attacks on their devices were detected and stopped. In South Africa, the share of users affected by phishing stands at 9.7 per cent, followed by Kenya at 8.4per cent and Nigeria at seven per cent.

     Although spam and phishing attacks are not necessarily complex from a technological standpoint, they rely on sophisticated social engineering tactics, making them highly dangerous to those who are not aware of them. Fraudsters are skilled at creating phishing web pages identical to the original websites that collect private user data or encourage the transfer of money to fraudsters targeting both individuals and organisations.

    Kaspersky experts discovered that throughout 2022 cybercriminals increasingly turned to phishing. The company’s anti-phishing system successfully blocked 507,851,735 attempts to access fraudulent content globally in 2022, twice the number of attacks thwarted in 2021.

    The sphere most frequently targeted with phishing attacks was delivery services. Fraudsters send fake emails pretending to be from well-known delivery companies and claim there is an issue with a delivery. The email includes a link to a fake website, which asks for personal information or financial details. If the victim falls for the scam, they could lose their identity and banking information, which may be sold to websites on the dark web.

     With financial phishing, the most commonly targeted categories were online stores and online financial services. Among the financial phishing attempts in South Africa 15.4 per cent were through websites of fake payment systems, 68.4 per centthrough fake online stores and 16.2 per cent through fake online bank portals. Among the financial phishing attempts in Kenya 22.5 per cent were through websites of fake payment systems, 54.9 per cent through fake online stores and 22.6 per cent through fake online bank portals. And among the financial phishing attempts in Nigeria 31.1 per cent were through websites of fake payment systems, 51.2% through fake online stores and 17.8 per cent through fake online bank portals.

     Kaspersky experts have also highlighted a global trend in the phishing landscape of 2022: an increase in the distribution of attacks through messengers, with the majority of blocked attempts coming from WhatsApp, followed by Telegram and Viber.

     There is also growing demand among cybercriminals for social media credentials, with criminals exploiting people’s curiosity and desire for privacy by offering fake updates and verified account status on social media platforms.

     Moreover, the experts found that cryptocurrency scams and market events, like the pandemic, are still being used by phishing attackers to steal sensitive information from people who are afraid and worried. These scammers are taking advantage of people’s fears and concerns to steal their sensitive information.

     “Phishing is one of the most prevalent and pernicious threats in the cybersecurity landscape. Being the gateway to many of the worst cyber threats, phishing pages are the first step in a long chain of events that can result in identity theft, financial loss, and reputational damage for both individual consumers and businesses. It’s crucial for everyone to understand the threat and take action to protect themselves,” Security Expert at Kaspersky, Olga Svistunova, said.

     In order to avoid becoming a victim of spam or phishing-based scams, Kaspersky experts advise the following individuals and organisations to only open emails and click links if people are sure they can trust the sender.

     When a sender is legitimate, but the content of the message seems strange, it is worth checking with the sender via an alternative communication channel.

     Check the spelling of a website’s URL if you suspect that you are faced with a phishing page. If you are, the URL may contain mistakes that are hard to spot at first glance, such as a 1 instead of I or 0 instead of O.

     Use a proven security solution (https://apo-opa.info/3EQxD1D) when surfing the web. Thanks to access to international threat intelligence sources, these solutions are capable of spotting and blocking spam and phishing campaigns

  • Samsung restates commitment to Nigeria

    Samsung restates commitment to Nigeria

    Original Equipment Manufacturer (OEM), Samsung Electronics West Africa has restated its commitment to the country while appreciating its loyal customers over the years.

    Speaking at the launch of its new service centre at Allen Avenue, Ikeja, Lagos, its Managing Director, Charlie Lee, re-echoed the company’s determination to provide its customers with an exciting and enriching consumer brand experience.

     He said Samsung remains ever grateful to the loyal customers in Nigeria and happy to deliver premium after-sales support to them.

      “The opening of this centre is another testament to Samsung’s belief in the economy of Nigeria and our means of bringing after-sales support to our customers.

    “Our customers in this neigbourhood can enjoy peace of mind and rest assured that a Samsung service centre that can handle both major and minor repairs for their mobile and computing devices, as well as their consumer electronics and home appliances, is just around the corner,” Lee said.

    Samsung’s new Customer Service Plaza (CSP) launched in partnership with MGS provides customers with instant access to service, repairs and enquiries on Samsung’s full range of audio-visual, mobile and computing devices in a standalone location.

     The centre is manned by highly-trained engineers and also holds genuine spare parts for Samsung’s range of mobile devices, premium and ultra-high definition televisions, microwave ovens, air conditioning units and refrigerators, among other appliances.

     The Samsung Service centre also serves as a training facility for Samsung device users and provides visitors with holistic lifestyle consulting services, including on-the-spot software upgrades and information on how to make the best use of Samsung’s smart ecosystem by utilizing accessories, content and service offerings that are available from the company.

     The Allen Service Centre is the latest in the series of Samsung’s roll out of start-of-the-art service centres all over Nigeria.

     At the event, Head of Service, Samsung Nigeria, Ibukun Adewole, reiterated the brand’s commitment to industry leading service for Samsung’s esteemed customers.

      “Samsung has developed a plethora of differentiated services and value additions, available to customers through our partners, aimed at providing the best experience through the entire customer journey.

      “Furthermore, this centre is one of many across the country, uniquely equipped to support our customer experience,” he stated.

     Featuring a broad range of services, the new Samsung Service Centre provides Nigerians with a premium service experience, showcasing Samsung’s unassailable leadership in technology innovation.

     In addition to conducting immediate repairs, Hassan Mehdi, Managing Director of MGS, said the centre boasts a sales zone and display area for customers to view, experience and buy the latest range of premium products.

     Technical Head, MGS, Subash Sehgal, described the opening of the new service centre as a platform for Samsung, together with its partners to provide its customers with end-to-end solutions from product purchase to delivering on their after-sales expectations.

     In addition to being open every day of the week, except Sundays, customers also have the option of calling to request service through Samsung’s dedicated contact centre.

     Sehgal said that customers can be assured of repairs for their phones, for instance, within an hour of paying a visit to the Centre.

     Samsung specialises in the production of a wide variety of consumer and industry electronics, including appliances, digital media devices, semiconductors, memory chips, and integrated systems.

  • ChatGPT’s red flags

    ChatGPT’s red flags

    Technology has never ceased to evolve. One of the latest is ChatGPT, an artificial intelligence (AI) programme developed by a company called OpenAI. Since its introduction, its users are expected to have surpassed 100million last month, a feat it took TikTok nine months and Instagram two and a half years to achieve. Despite its many advantages, an expert says care needs to be taken. LUCAS AJANAKU reports.

    SOCIAL engineering, scamming and impersonation and other dangers have been identified as some of the dangers lurking behind the ChatGPT technology.

    ChatGPT is a natural language processing tool driven by artificial intelligence (AI) technology that allows the user to have human-like conversations and much more with a chatbot. The language model can answer questions, and assist with tasks such as composing emails, essays, and code. Usage is currently open to the public free of charge because ChatGPT is in its research and feedback-collection phase. Launched November 30, 2022, ChatGPT was created by OpenAI, an AI and research company.

    In an email report at the weekend, SVP Content Strategy & Evangelist at KnowBe4 Africa, Anna Collard, said it is possible to use a publicly available artificial chatbot to generate a complete infection chain, possibly beginning with a spear phishing email written in entirely convincing, human-like language and eventually causing a complete takeover of a company’s computer systems.

    According to Ana, researchers at Checkpoint recently created such a plausible phishing email as a test. They only used ChatGPT, a chatbot that uses deep learning techniques to generate text and conversations that can convince basically anyone that it was written by a real person.

    In reality, she said there are many potential cybersecurity dangers wrapped up in this impressive technology developed by OpenAI and currently available online for free.

    One of the dangers is social engineering. According to Anna, ChatGPT’s powerful language model can be used to generate realistic and convincing phishing messages, making it easier for attackers to trick victims into providing sensitive information or downloading malware.

    Another one is scamming, in which the generation of text through ChatGPT’s language models allows attackers to create fake ads, listings and many other forms of scamming material.

    On impersonation, ChatGPT can be used to create a convincing digital copy of an individual’s writing style, allowing attackers to impersonate their target in a text-based setting, such as in an email or text message.

    For automation of attacks, ChatGPT can also be used to automate the creation of malicious messages and phishing emails making it possible for attackers to launch large-scale attacks more efficiently while on spamming, she explained that the language model could be fine-tuned to produce large amounts of low-quality content, which can be used in a variety of contexts, including as spam comments on social media or in spam email campaigns.

    “All five points above are legit threats to companies and all internet users that will only become more prevalent as OpenAI continues to train its model. If the list managed to convince you, the technology succeeded in its purpose, although in this instance not with malicious intent.

    “All the text from points one to five was actually written by ChatGPT with minimal tweaks for clarity. The tool is so powerful it can convincingly identify and word its own inherent dangers to cybersecurity,” the note noted.

    However, Anna wrote, there are mitigating steps individuals and companies can take, including new-school security awareness training.

    “Cybercrime is moving at light speed. A few years ago, cybercriminals used to specialise in identity theft, but now they take over your organisation’s network, hack into your bank accounts, and steal tens or hundreds of thousands of rands.

    “An intelligent platform like ChatGPT may have been created with the best intentions, but it only adds to the burden on internet users to always stay vigilant, trust their instincts and always know the risks involved in clicking on any link or opening an attachment,” she said.

    According to Entrepreneur, an online platform, in 2015, Elon Musk, Sam Altman, Greg Brockman, Ilya Sutskever and Wojciech Zaremba founded OpenAI, an artificial intelligence research organization. OpenAI has other programs, but ChatGPT was introduced in 2018.

    ChatGPT is based on GPT-3, the third model of the natural language processing project. The technology is a pre-trained, large-scale language model that uses GPT-3 architecture to sift through an immense pool of internet data and sources to reference as its knowledge base.

    This AI is a well of knowledge, but its ability to communicate is what sets it apart from other technology.

    It has been fine-tuned for several language generation tasks, including language translation, summarisation, text completion, question-answering and even human diction.

    ChatGPT is a transformer-based neural network that provides answers and data with human writing patterns. The AI has been programmed with endless amounts of text data to understand context, relevancy and how to generate human-like responses to questions.

    Other ChatGPT facts

    ChatGPT is large-scale. It has over 175 billion parameters, making it one of the largest language models ever.

    ChatGPT is pre-trained. The program has a “set it and forget it” quality, meaning the legwork to make it function has already happened.

    ChatGPT is capable of multitasking. The program has more than one language function, so it can simultaneously juggle translation, summarization and answering questions.

    ChatGPT responds in real time. Like a chatbot you’d find while online shopping, ChatGPT responds very quickly after you ask it a question or complete a task.

    Terminologies

    When it comes to high-level AI, there are several terms used to explain how the technology works that need explaining themselves.

    Key terms of ChatGPT include:  Artificial intelligence: AI is a sector of computer science that focuses on building systems that can perform tasks as humans do. Typical forms of AI include speech recognition, language translation and visual perception.

    Natural Language Processing (NLP) is a subsection of AI dedicated to the interaction between humans and computers using language. Through algorithms and models, NLP can analyze, comprehend and use language with human diction.

    Neural network: A neural network is a machine learning algorithm that functions like a human brain. Just as the brain has pathways where information is stored and functions are carried out, AI uses neural networks to mimic that process to problem-solve, learn patterns and collect data.

    Transformer: A transformer is a structure within the neural network meant for NLP tasks that use mechanisms to analyze input and generate output.

    GPT: A generative pre-trained transformer is a transformer-based language developed by OpenAI, which is who gave it the name. This is the first version of the language processor and generator part of the program that is unique to OpenAI, as it can generate text in a human-like way.

    GPT-3: This stands for Generative Pre-trained Transformer 3, based on the Transformer network architecture developed by OpenAI. It is the most dynamic version of GPT to date, as it has self-attention layers that allow the program to multitask, adjust in real time and generate a more authentic output.

    Pre-training: This is just what it sounds like – it’s the work OpenAI had to do to train the neural network to work how it wanted it to before it was ready for public consumption.

    Fine-tuning: This part of training comes after pre-training. The program takes one task and trains it even further on a smaller, more specific task on more particular data. This is why ChatGPT can work so thoroughly.

    API: An application programming interface is how the program remains uniform. It is a routine and guide for how each application is built. This allows new additions to the system to be integrated successfully.

    How it works

    ChatGPT uses a vast neural network to produce the human-like language through which it communicates. But how does that process happen? This is a step-by-step breakdown of the process:

    Input processing: The human user types commands or questions into ChatGPT’s text bar.

    Tokenization: The text inputted is tokenized, meaning the program divides it into individual words to be analyzed.

    Input embedding: The tokenized text is put into the neural network’s transformer portion.

    Encoder-decoder attention: The transformer encodes the text input and generates a probability distribution for all possible outputs. Then that distribution generates the output.

    Text generation and output: ChatGPT generates its output answer, and the human user receives a text response.

    ChatGPT’s capabilities

    ChatGPT has extensive capabilities that will likely change the landscape of many industries.

    The artificial intelligence program can complete tasks such as Text generation, Text completion, Question-answering, Summarization, Text translation, Conversational AI, Sentiment analysis, Named entity recognition and Part-of-speech tagging.

    Text generation

    ChatGPT is nothing without its text generation, as that is how it communicates with its human users. The program uses its pre-trained database to intake inputs and prompts and generates the appropriate response in a natural, human-like text structure.

    Text completion

    If you’ve ever wished to have a friend or a sibling that could finish your sentences, ChatGPT might just be the way to go.

    ChatGPT can finish your inputted sentence based on content and meaning if you supply the beginning. It might not always be the ending you wanted, but the capability is there.

    For example, if you typed a command asking to finish the sentence, “The rainbow is….” You might be thinking, “The rainbow is beautiful.” But ChatGPT might respond, “Red, orange, yellow, green, blue, indigo, violet.” This is because it pulls from its pre-trained knowledge to find the answer. It might not be able to read your mind, but it can read its data.

    Question-answering

    ChatGPT can answer every question that is part of its pre-trained knowledge. This will include world knowledge and general facts.

    The program can also answer questions in the format that you like. So based on your preference, you can command ChatGPT to answer in bullet points, a list or short answers.

    Summarization

    If you input a long text into ChatGPT and command it to summarize the information, it will do so. You should not expect ChatGPT to summarize full-length novels, but a few pages of text is possible as it can handle up to 4095 tokens.

    Text translation

    Just like Google Translate, ChatGPT can translate from one language to another, including English, Spanish, French, German, Italian, Portuguese, Dutch, Russian, Chinese, Japanese, Korean and Arabic.

    The program uses its neural networks to form syntax and structures like when outputting English. And much like Google Translate, it is not a perfect science. While the AI is incredibly advanced, it may miss some grammar, semantics and other details of foreign languages.

    Conversational AI

    One of ChatGPT’s biggest highlights is that it can respond in human-like, conversational language

    This is a helpful way to receive and digest the output. It can also be useful for companies with ecommerce sites that want to integrate conversational interfaces for chatbots, virtual assistants and other applications.