Category: Technology

  • Angela Abhulimen’s supply chain breakthroughs with AI put Nigerian talent on global innovation map

    Angela Abhulimen’s supply chain breakthroughs with AI put Nigerian talent on global innovation map

    In a landmark study set to redefine the future of logistics and business operations, Angela Omozele Abhulimen, a Nigerian-born researcher currently based in the United Kingdom, has emerged as a leading voice in the global discussion on supply chain transformation. Her recently published academic paper, “Solving Supply Chain Management Issues with AI and Big Data Analytics for Future Operational Efficiency,” is garnering wide acclaim from both the academic and industrial communities for its clarity, rigor, and strategic vision.

    The paper, co-authored with Lagos-based collaborator Onyinye Gift Ejike, appears in the Computer Science & IT Research Journal (Vol. 5, Issue 8, August 2024). Together, the authors offer a comprehensive, literature-based examination of how artificial intelligence (AI) and big data analytics (BDA) can be systematically deployed to solve critical inefficiencies in modern supply chain management (SCM). Their work is not just theoretical—it is an actionable blueprint for public and private sector players globally, and particularly across Africa.

    Angela Abhulimen is boldly asserting a new narrative—one where Nigerian researchers are not just observing the digital revolution but actively shaping it.

    At its core, the paper details how AI and BDA are fundamentally altering the way companies manage everything from procurement and demand forecasting to logistics optimization and inventory control. Through dozens of case studies, the research presents AI-driven solutions as both cost-effective and future-focused, capable of enabling better decision-making, enhancing agility, and improving real-time visibility across the supply chain.

    “Artificial Intelligence and Big Data are no longer tools of convenience. They are now strategic necessities,” the paper argues. “Supply chain resilience, responsiveness, and sustainability hinge on the effective deployment of these technologies—especially in an age defined by uncertainty and speed.”

    Indeed, the study was conceived amid rising volatility in global supply chains. From pandemic disruptions and geopolitical instability to climate-related emergencies and cyber threats, the fragility of traditional supply chain models has become painfully evident. Abhulimen’s research offers not only critique but solution—outlining how intelligent automation, predictive analytics, and smart integration can help businesses weather future shocks while remaining customer-focused and cost-conscious.

    Among the paper’s key findings is that predictive analytics powered by machine learning algorithms dramatically improve demand forecasting accuracy—helping businesses reduce both stockouts and overstocking. This alone, the authors note, has a measurable impact on operational costs and customer satisfaction. In logistics, the use of AI-driven route optimization and real-time tracking can reduce delivery times, lower fuel consumption, and provide transparency from warehouse to doorstep.

    Perhaps most impressively, the paper goes beyond high-level concepts to spotlight real-world success stories from industries including agriculture, retail, oil and gas, and e-commerce. In one case, big data systems helped agribusinesses in Latin America reduce spoilage and improve yield distribution. In another, AI tools implemented by multinational retailers enabled faster, more accurate marketing and stock replenishment. Each example reinforces the claim that technology, when strategically applied, translates directly into measurable performance gains.

    But it is in her focus on Nigeria and the broader African context that Angela Abhulimen’s voice becomes most vital. Unlike many academic reviews that overlook emerging markets, her work champions the idea that African economies—precisely because they are not locked into outdated infrastructure—can leapfrog into digitally native supply chains. By doing so, they can achieve efficiency, transparency, and sustainability simultaneously.

    “Nigeria has a generational opportunity to rewire its supply chains for intelligence,” she explains in the study. “With the right investments in skills, infrastructure, and cross-sector partnerships, we can transform our logistics systems from liabilities into growth engines.”

    Abhulimen calls on local businesses to embrace AI tools not just as cost-savers but as enablers of global competitiveness. She emphasizes that Nigerian manufacturers, distributors, and retailers who adopt AI-driven planning and predictive logistics stand to gain both locally and in export markets.

    However, the paper is candid about the obstacles. Among them: data fragmentation, high implementation costs, lack of skilled personnel, legacy IT infrastructure, and cybersecurity vulnerabilities. The study doesn’t shy away from these hurdles but instead provides a roadmap for addressing them—recommending stakeholder collaboration, phased rollouts, robust training, and public-private partnerships.

    It also advocates for the integration of Internet of Things (IoT) devices to enhance real-time monitoring, blockchain technology to strengthen transparency and trust across transactions, and cloud computing platforms to enable scalability for small and mid-sized enterprises. For Abhulimen, these technologies are not futuristic—they are foundational.

    A particularly compelling aspect of the study is its emphasis on sustainability. With environmental accountability now central to consumer and regulatory expectations, AI is presented as a key driver of greener operations. The paper cites examples of how machine learning models are helping companies reduce waste, optimize energy consumption, and monitor emissions across the supply chain—delivering value that goes beyond the bottom line.

    The response from academic and business communities has been swift. Industry observers praise the work as “clear, comprehensive, and visionary.” A senior editor at the journal called it “a model for how research can inform real-world transformation.” The study is already being shared among supply chain directors, government agencies, and tech incubators looking for scalable digital strategies.

    Angela Abhulimen’s story is itself an inspiration. A proud daughter of Edo State, her journey from Nigeria to the United Kingdom has never diluted her commitment to African development. If anything, her global perspective has sharpened her resolve to champion innovation from the continent.

    She represents a new generation of African thought leaders—researchers who understand both local context and global trends, and who bring the two into meaningful conversation. Her work underscores a broader truth: Nigeria is not waiting to be handed the tools of tomorrow. It is already forging them.

    As Nigeria repositions itself for the Fourth Industrial Revolution—with smart manufacturing zones, digital trade corridors, and AI-enabled public services on the horizon—Abhulimen’s research arrives at a critical juncture. It provides more than just technical recommendations. It inspires a vision of what’s possible when intelligence meets intention—when science serves society, and when Nigeria leads from the front.

  • Infinix enters Flip Phone arena with ZERO Flip, aims at Gen Z’s creative edge

    Infinix enters Flip Phone arena with ZERO Flip, aims at Gen Z’s creative edge

    Infinix has launched its first flippable smartphone, the ZERO Flip, combining cutting-edge technology and youth-driven trends. The device is the only flip phone to offer 4K ProStable video on both front and rear cameras, appealing to content creators and vloggers.

    It boasts a durable display, GoPro integration, and the vibrant “Blossom Glow” color, designed to resonate with Gen Z consumers.

    According to the marketing manager infinix, Doris Zhao, “The ZERO Flip represents more than a technological leap; it’s about self-expression in a fast-changing world. With its trendsetting design and innovative features, we hope to inspire users to unlock their full creative potential.”

    Brand Influencer Stan Nze highlighted the phone’s unique dual-screen preview, AI Vlog Mode, and long-lasting battery as standout features.

    “Infinix’s focus on youth markets shows their commitment to bringing high-performance and creative tools to younger consumers,” says  Nze.

    “It’s an impressive entry into the foldable market with a strong emphasis on content creation,” he added.

    Also another brand influencer present at the unveiling, Neo Akpofure said the Infinix ZERO Flip allows free-hovering (30°-150°) at multiple angles for users to enjoy hands-free vlogging.

    “With just a simple fold, the phone can be stably positioned on any flat surface, removing the limitations of arm length and giving users the freedom to choose the ideal distance for shooting with either the front or rear camera.

    “The front camera’s PDAF (Phase Detection AutoFocus) ensures that the subject remains in perfect focus while self-recording. Additionally, the dual-screen preview function enables users to see themselves on the external display during rear camera shots or when a friend is assisting with photography, allowing for real-time adjustments to the shot,” he added.

    Read Also: Get In Now: Infinix Unveils Its First-Ever Flippable Smartphone – the ZERO Flip!

    PR Manager Yemisi Ode, explained that the 50MP Ultra-Wide lens captures expansive scenes effortlessly, while also providing flexibility for cropping in post-production. With ProStable video capabilities, the ZERO Flip ensures stable image capture for both photos and videos.

    “Moreover, the phone’s integration with GoPro ensures simple operations and seamless connectivity with GoPro devices through the Works with GoPro program. The Infinix ZERO Flip offers a GoPro Mode that allows users to directly adjust GoPro device parameters. The phone can also serve as a monitor, enabling real-time observation and adjustment of GoPro footage.”

    Durability remains a key aspect, with a hinge capable of 400,000 folds, ensuring longevity. Additionally, the device’s 50MP Ultra-Wide camera, AI-powered RAW HDR solution, and 2x lossless zoom are praised for delivering professional-grade photos and videos.

  • New Sites Not On GamStop in the UK

    New Sites Not On GamStop in the UK

    Players from the United Kingdom have always been known for their gambling activities, as the fame of casinos is at an all-time high. The establishment of GamStop, a self-exclusion program, is not enough to deter them from indulging in their favourite casino games or betting on their favourite sports in the country.

    They always want to explore everything that the iGaming industry has to offer, and that includes new gambling sites not on GamStop. These are offshore gambling platforms that are not restricted by the rules and regulations of the United Kingdom Gambling Commission (UKGC), which also means that they are outside the reach of GamStop.

    There are tons of new sites not on GamStop popping into the iGaming market every year; while some of them have grown to gain some fame in the industry, others have gone back to the abyss. However, this doesn’t make it easy to pick the best new non GamStop casinos, as surfing through the sea of new sites can still be quite challenging.

    New Casino Sites Not on GamStop For UK Players

    In this article, we will be listing out some of the best new casino sites not on GamStop for players who love to explore the iGaming industry. However, you must conduct extensive research to pick out the casino best suited for your gambling activities. Below are a few of them.

    • JackBit Casino – Launched in 2022
    • KingHills Casino – Launched in 2024
    • TG.Casino – Launched in 2023
    • GoldenBet – Launched in 2022
    • JokaBet Casino – Launched in 2023

    Why Use Casinos Not on GamStop?

    Opting for non-GamStop casinos has become increasingly popular among players seeking more flexibility and freedom in their gaming experience. Here’s a look at some of the top reasons why players may choose these platforms over traditional UK-regulated casinos:

    1. Escape from Strict UK Limitations

    UK casinos tend to impose strict rules, such as betting caps and limited wagering options, which can be frustrating for those who prefer playing with higher stakes. Large casino networks often apply these rules across all their brands, making it challenging for players to find flexibility. Casinos not on GamStop offer an alternative where such restrictions are either relaxed or nonexistent, allowing players to enjoy higher bets and more customizable gaming options.

    2. Support for Cryptocurrencies

    Unlike most UK-licensed casinos, which typically do not support cryptocurrency transactions, non-GamStop casinos often embrace the use of digital currencies like Bitcoin, Ethereum, and Litecoin. This allows players to enjoy faster, more secure transactions and greater privacy. The ability to use cryptocurrency not only enhances convenience but also allows for potentially lower fees. However, this may come with the trade-off of fewer traditional payment methods like e-wallets.

    3. Overcoming Self-Exclusion Restrictions

    One key reason players look to non-GamStop casinos is to bypass the mandatory self-exclusion imposed by GamStop. Once enrolled in the self-exclusion program, players cannot gamble at any UK-licensed online casino until the designated period ends, and in some cases, it can be challenging to lift the restriction.

    Non-GamStop casinos operate outside of the UK Gambling Commission’s jurisdiction and are not bound by these self-exclusion rules. This allows players to continue gaming without being blocked by GamStop’s restrictions, offering them more control over their gambling activities.

    4. Streamlined Verification Process and Privacy

    The KYC (Know Your Customer) process at UK-regulated casinos often involves lengthy documentation requirements, such as uploading a government-issued ID, proof of address, and sometimes even a selfie. These procedures can be time-consuming and frustrating, particularly when trying to make withdrawals.

    Depending on the licensing authority governing them, non-GamStop casinos tend to have more streamlined verification processes. While still adhering to anti-money laundering regulations, these casinos typically require fewer documents and have quicker approval times, making it easier for players to start enjoying their games with minimal delay.

    5. No Penalties for Winning

    UK-regulated casinos often penalize players who win frequently by imposing limits on betting amounts or even suspending their accounts. Since casinos are in the business of making profits, they tend to favour players who consistently lose. If players win too much, they may be restricted across multiple casino brands within the same corporate group.

    In contrast, non-GamStop casinos offer players more freedom, allowing them to enjoy their winnings without fear of being penalized. With access to a broad range of offshore gaming sites, players can spread their activity across different platforms to minimize the risk of account restrictions.

    Conclusion

    For players seeking greater flexibility, fewer restrictions, and more control over their gaming experience, non-GamStop casinos provide an excellent alternative to UK-regulated platforms. Whether it’s bypassing self-exclusion, enjoying higher betting limits, or using cryptocurrency for added privacy, these offshore casinos offer a more diverse and unrestricted gaming environment.

    Does UK Regulation Follow the Same as Polish Gambling Law?

    When comparing gambling regulations between the UK and Poland, it becomes clear that while both countries have strict rules, Poland’s approach is even more restrictive due to the limited number of legal online casinos.

    Polish gambling expert Aleksandra Maj explains, “W Polsce gracze mogą wybierać spośród kasyna internetowe, które zapewniają pełną zgodność z przepisami, szybkie wypłaty i bezpieczeństwo graczy. Jednakże, Polska ma bardziej restrykcyjne przepisy, ponieważ tylko kilka kasyn internetowych, w tym Total Casino, działa legalnie.** Przepisy w Wielkiej Brytanii również są surowe, zwłaszcza po wdrożeniu GamStop, który ogranicza dostęp dla graczy wykluczonych.” (Translation: In Poland, players can choose from online casinos that ensure full compliance with regulations, fast payouts, and player safety. However, Poland’s regulations are stricter because only a few online casinos, including Total Casino, operate legally. The UK’s regulations are also strict, especially with the introduction of GamStop, which restricts access for self-excluded players.)

  • Zoho launches customizable low-code IoT platform for efficiency, customer delight

    Zoho launches customizable low-code IoT platform for efficiency, customer delight

     Zoho Corporation, a global technology company has announced the launch of Zoho IoT, a user-friendly and scalable low-code platform designed to build and deploy custom IoT solutions.

    According to a statement by the company on Wednesday, September 25, Zoho IoT elevates the concept of connectivity by seamlessly collecting and managing IoT device data in real-time, offering businesses intelligent insights and streamlined operational analysis. Zoho IoT’s intuitive features empower organisations to automate processes and make data-driven decisions effortlessly, without extensive technical expertise.

    “Zoho IoT fully integrates with Zoho’s existing suite of applications, providing enhanced visibility and control. Its compatibility with third-party hardware allows for quick integration into existing infrastructures, enabling businesses to scale rapidly as they grow. The platform is built with robust security measures, ensuring data privacy and compliance with global standards.”

    A recent study by Kaspersky found that over 50% of companies have integrated Artificial Intelligence (AI) and the Internet of Things (IoT) into their systems. Furthermore, 33% want to adopt these interconnected technologies in the next two years. Experts advise that business owners should invest in robust cybersecurity solutions to protect their infrastructure.

    Zoho IoT features advanced AI capabilities, allowing business users to develop powerful custom solutions more efficiently. Leveraging Zoho IoT’s AI capabilities, businesses can transform data into actionable insights, predict system outages, identify anomalies or forecast trends, optimise operations, and enhance customer experiences.

    Kehinde Ogundare, Country Head, Zoho Nigeria said: “The IoT landscape has long been dominated by developer-centric platforms and industry-specific solutions.

    Read Also: Zoho announces 31 per cent growth

    “Zoho IoT addresses this by offering full customisation and interoperability, making it easier for businesses to adopt and benefit from IoT. The platform goes beyond basic data collection—ensuring every data point is converted into actionable insights that drive organisational connectivity,” he said.

    Speaking on industry-specific solutions the company said: “Zoho IoT efficiently gathers and manages data from IoT devices in real-time, providing businesses with valuable insights and streamlined operational analysis. Its user-friendly features enable organisations to automate processes and make informed, data-driven decisions without requiring extensive technical skills.

    The platform’s AI capabilities convert data into actionable insights, allowing for the prediction of system outages, detection of anomalies, trend forecasting, operational optimization, and improved customer experiences.

    “Zoho IoT integrates with Zoho’s existing suite of applications, providing enhanced visibility and control. Its compatibility with third-party hardware allows for quick integration into existing infrastructures, enabling businesses to scale rapidly as they grow. The platform is built with robust security measures, ensuring data privacy and compliance with global standards.

    “Zoho IoT offers pre-built solutions for different industries, such as Industrial IoT (users can track and manage shop floor productivity and machine uptime while reducing maintenance and repairs of high capital assets), Smart Buildings (provides users a unified system to manage and monitor assets, tenants, energy, and facilities), Energy Management (users can control energy usage by monitoring consumption patterns and enabling efficiency measures).”

    The platform also offers end-to-end capabilities and integrations with offerings like Point Solutions (for remote management and control, enabling operational visibility and allowing businesses to solve specific challenges such as gas monitoring, water leakage monitoring, and indoor air quality management) and Connected OEMs (businesses can boost efficiency, enable real-time data insights and remote monitoring with smart products and connected OEMs, providing it as a value-added service).

  • How MTN Nigeria restored my lost Hope, by Anayo

    How MTN Nigeria restored my lost Hope, by Anayo

    Ajah Excel Anayo, a graduate of the Federal University of Technology, Owerri (FUTO), has shared how the MTN Foundation scholarship saved him from dropping out of school and paving the way for his future success.

    After graduating as the best student in the 2008 West African Senior School Certificate Examination (WASSCE) at Federal Government College (FGC) Okigwe, Anayo faced severe financial challenges that delayed his ability to write the Joint Admissions and Matriculation Board (JAMB) exam until 2011. 

    Despite scoring 277 in JAMB and 264 in the post-UTME, securing him admission to study Information Management Technology at FUTO, he struggled to afford university fees.

    In his first year, he received assistance from friends and the principal of his former school, Mrs. Rose Nwachukwu, who paid his school fees, allowing him to complete his first-year exams, where he emerged top of his class with a 4.45 GPA. However, in his second year, the financial burden became overwhelming once again.

    Read Also: 13,717 Nigerians get MTN Foundation’s scholarship

    Anayo’s fortunes changed when he discovered the MTN Foundation scholarship online. With his high academic performance, he applied and was awarded N200,000 annually from March 2013. 

    The scholarship covered his school fees, allowed him to purchase his first laptop, and helped him start a small business while continuing his studies. Ajah received MTN’s support until his graduation.

    In gratitude for the life-changing opportunity, Ajah launched a platform called Nigerian University Scholarships in 2013, to help other students in financial need access scholarship information. This platform has since grown into WorldScholarshipForum.com, which now serves over 2 million students monthly, providing resources on scholarships and financial aid.

    Today, Anayo is the founder of Silicon Africa, a company that hosts SMFest, one of Nigeria’s largest tech innovation conferences. He credits the MTN Foundation for providing the support that made his success possible, stating that the organization “restored hope to a hopeless child.”

    His journey from near dropout to successful entrepreneur, highlights the profound impact of the MTN Foundation’s efforts to support Nigerian students.

  • Shared mobility: A lifeline during Nigeria’s fuel hike crisis

    Shared mobility: A lifeline during Nigeria’s fuel hike crisis

    Nigeria, a nation heavily reliant on fossil fuels, has faced numerous fuel crises in recent years. The most recent spike in fuel prices has once again exposed the vulnerabilities of the country’s transportation system. The recent fuel hike crisis in Nigeria has had far-reaching consequences on the economy, transportation systems, and the daily lives of Nigerians. As fuel prices soar due to the removal of subsidies, many people are grappling with the challenge of mobility in a country heavily dependent on road transportation. However, amidst the challenges, a glimmer of hope has emerged: shared mobility services.

    In the face of these rising costs, shared mobility has emerged as a practical and cost-saving solution, offering significant benefits to passengers opting for a more affordable alternative and in return, creating better earning opportunities for drivers.

    The fuel price hike has made private car ownership and maintenance more expensive. For many Nigerians, the cost of filling up a fuel tank has doubled, if not tripled, making daily commutes increasingly unaffordable. Shared mobility solutions like ride-sharing, carpooling, and public transportation have become critical alternatives for people seeking to reduce their transportation expenses.

    Platforms like BOLT which operate in major cities such as Lagos, Abuja, and Port Harcourt, have seen a surge in demand. Is this true @femi.adeyemo@bolt.eu, Not like there’s a data to back this but it’s from the reality on ground and from discussions with few people around. Nigerians are increasingly opting for ride-sharing services to split the cost of transportation with others traveling in the same direction. This not only makes commuting more affordable but also reduces the pressure on individuals who can no longer bear the full brunt of fuel price hikes. The same applies to informal carpooling, where colleagues, neighbors, and even strangers coordinate to share rides.

    Read Also: Commuters grapple with high transport fares amid fuel

    One of the primary advantages of shared mobility during fuel crises is its ability to reduce fuel consumption. Nigeria’s major cities are notorious for traffic congestion, which not only wastes time but also leads to increased fuel consumption, further compounding the financial burden on road users. Shared mobility plays a vital role in reducing the number of vehicles on the road. By sharing rides, fewer cars are on the streets, which can help alleviate traffic, reduce fuel consumption, and limit the overall wear and tear on vehicles.

    Furthermore, shared mobility presents an environmentally friendly alternative, especially in a time of escalating fuel prices. The more people engage in ride-sharing or use public transportation, the fewer vehicles are on the road, leading to lower carbon emissions. Nigeria, like many developing nations, is grappling with the impacts of climate change, and shared mobility can contribute to reducing the country’s carbon footprint, especially in urban areas where emissions are higher.

    Also, shared mobility services can provide a much-needed boost to the economy during times of crisis. By creating jobs for drivers and supporting local businesses, these platforms can help to stimulate economic activity. Moreover, shared mobility can reduce the need for costly infrastructure projects, such as expanding roads or building new parking garages, which would otherwise burden taxpayers.

    However, the full potential of shared mobility in Nigeria is yet to be realized. To maximize its benefits during fuel crises and beyond, several factors must be considered. First, the government needs to create a supportive regulatory environment that encourages the growth of shared mobility services. This includes providing clear guidelines, streamlining licensing procedures, and investing in infrastructure that supports these platforms.

    Second, there is a need for increased awareness and education about the benefits of shared mobility. By promoting the advantages of these services, both to individuals and businesses, we can encourage a shift away from private car ownership and foster a more sustainable transportation system.

    The fuel hike crisis has brought the advantages of shared mobility to the forefront. However, its long-term success will depend on how well it is integrated into Nigeria’s transportation ecosystem. The shift towards shared mobility in response to the fuel crisis may very well set the stage for a more sustainable and efficient transportation system in the future.

    As more Nigerians become aware of the benefits of ride-sharing and other shared mobility services, these options may continue to grow in popularity even after the crisis subsides. This shift could lead to a reduction in car ownership, a decrease in traffic congestion, and a more resilient transportation system that is less dependent on fluctuating fuel prices.

  • A compliance perspective: Accountability and responsibility accompanying AI Models

    A compliance perspective: Accountability and responsibility accompanying AI Models

    Artificial Intelligence (AI) is reshaping industries and redefining human potential globally, but its impact is not without challenges. In this interview with OLUKOREDE YISHAU, Obianuju Anobili, a trained Lawyer and Houston-based expert in compliance and business risk management, sheds light on accountability and responsibility in the use of AI models, with insights drawn from her experiences in Nigeria, the United States, and other parts of the world.

    How would you explain the growing influence of AI in today’s world, particularly in your areas of expertise?

    AI is no longer a distant concept; it is now an essential driver of innovation across industries. It encompasses a wide range of disciplines, such as vision, perception, decision-making, and robotics, all of which enable machines to mimic or augment human capabilities. In compliance and business risk management, AI holds enormous promise. It can enhance decision-making processes, improve operational efficiency, and identify risks more effectively. For example, AI tools can analyze vast amounts of data in real time to detect financial fraud or monitor regulatory compliance in industries like banking and healthcare. However, alongside these benefits are significant responsibilities. The use of AI demands accountability because decisions made by these systems often affect individuals, businesses, and society at large. Governments and organizations are rightly focusing on the ethical, social, and economic implications of AI, ensuring its use aligns with privacy laws, equity principles, and human rights.

     You have worked in both Nigeria and the United States. How do the challenges of AI adoption differ between these two countries?

    The challenges differ mainly due to disparities in technological infrastructure, regulatory frameworks, and socioeconomic contexts. In the United States, AI adoption is advancing rapidly, fueled by well-established tech ecosystems and substantial investment in innovation. However, the challenge lies in creating robust governance frameworks that address issues like algorithmic bias, data privacy, and the ethical use of AI at scale. In Nigeria, AI adoption is still at an early stage, with limited resources and infrastructure. The country has immense potential to leverage AI for economic development—particularly in areas like agriculture, healthcare, and education—but faces barriers such as insufficient digital literacy, inadequate access to data, and weak regulatory enforcement. That said, Nigeria has a unique opportunity to learn from the experiences of more advanced economies. Policymakers and businesses can adopt proactive measures to build a robust enabling environment for AI. For example, investment in digital infrastructure, targeted education programs, and international partnerships will be essential for ensuring AI benefits all segments of society, especially underserved communities.

     On the topic of underserved communities, AI raises concerns about inclusivity and equity. How can policymakers ensure that these technologies are accessible to everyone?

    Inclusivity is a cornerstone of ethical AI. Policymakers must design frameworks that account for the diverse needs of different user groups, including marginalized communities, children, persons with disabilities, and indigenous populations. This starts with data inclusivity—ensuring that training datasets reflect the diversity of the population and are free from biases that could lead to discriminatory outcomes.

    For instance, in Nigeria, AI models tailored to local contexts—such as language processing tools for indigenous languages or agricultural advisory systems for rural farmers—can significantly improve access and equity. Policymakers must also promote education and digital literacy, empowering individuals to use and benefit from AI technologies. At a global level, initiatives like the UN Sustainable Development Goals provide a roadmap for using AI to address societal challenges. However, these efforts must be localized to reflect the specific realities of different regions.

     You have mentioned data privacy and protection as critical aspects of AI compliance. How do these issues play out in Nigeria and the U.S.?

     Data privacy is central to AI governance because these systems rely heavily on data to function. In the United States, frameworks like the California Consumer Privacy Act (CCPA) and the Health Insurance Portability and Accountability Act (HIPAA) set clear guidelines for data usage and protection. However, the fragmented nature of U.S. privacy laws can make compliance complex, especially for businesses operating across multiple states. In Nigeria, data protection is governed by the Nigeria Data Protection Regulation (NDPR). While this regulation is a step in the right direction, enforcement remains a challenge due to limited resources and expertise. For example, many businesses lack the technical capacity to secure user data adequately, leaving systems vulnerable to breaches. To address these challenges, Nigeria must strengthen enforcement mechanisms, encourage public-private collaboration, and invest in training for data protection officers. Globally, harmonizing data privacy standards will be crucial, given the cross-border nature of AI technologies.

    Bias in AI systems is another pressing concern. How can companies address this issue in their models?

    Bias often stems from the data used to train AI systems, which can reflect historical inequalities or incomplete representations of certain groups. Companies must adopt a proactive approach to mitigate bias, starting with diversity in data collection.

    For instance, when designing an AI-powered hiring tool, it’s essential to ensure the training data includes applicants from diverse backgrounds to avoid favoring one demographic over another. Additionally, companies should implement robust testing procedures to identify and rectify bias before deployment. Transparency is also critical. Explainable AI techniques—where the logic behind a system’s decisions is clear and interpretable—help build trust and accountability. In Nigeria, addressing bias may require cultural context. For example, AI systems used in healthcare should consider local disease patterns and demographic data to avoid skewed results. Across the globe, fostering interdisciplinary collaboration between technologists, ethicists, and social scientists will be key to ensuring fair and unbiased AI.

    What role do international organizations play in fostering accountability in AI?

    International organizations are vital for establishing global standards and encouraging collaboration. The United Nations, for example, has emphasized the role of AI in advancing sustainable development goals, but it has also highlighted the need for ethical guardrails.

    Other bodies, such as the OECD and the European Union, have developed AI principles that promote transparency, human rights, and inclusivity. These frameworks serve as benchmarks for national policymakers and private-sector actors. However, there’s still a need for greater alignment across regions. AI often operates across borders, so fragmented regulations can create loopholes or inconsistencies. International cooperation—through forums like the G20 or bilateral partnerships—can help bridge these gaps. For countries like Nigeria, engaging in these global conversations ensures their unique perspectives and needs are reflected in emerging standards.

    Read Also: Naira abuse: EFCC confirms invitation of Okoya’s sons for questioning 

    You’ve discussed compliance from a governance perspective. What about at the corporate level? How can businesses embed accountability into their AI practices?

    At the corporate level, accountability begins with strong governance structures. Businesses should establish AI ethics committees or appoint Chief AI Officers responsible for overseeing ethical compliance. Regular audits and impact assessments are also crucial. These reviews help identify potential risks—such as bias, data breaches, or unintended consequences—and enable timely corrective action. Training is another key area. Employees involved in AI development and deployment must understand the ethical and compliance implications of their work. This includes training on privacy laws, anti-discrimination principles, and cybersecurity best practices. In Nigeria, where many companies are just beginning to explore AI, building a culture of accountability from the outset will pay long-term dividends. Partnering with local universities or international organizations can help bridge knowledge gaps and accelerate responsible adoption.

    Finally, what does the future hold for AI compliance, and what advice would you give to stakeholders?

    The future of AI compliance will likely involve more sophisticated tools and frameworks for monitoring and accountability. For example, advancements in explainable AI and model auditing technologies will make it easier to understand and regulate these systems. For policymakers, my advice is to adopt flexible, adaptive regulations that evolve with the technology. Over-regulation can stifle innovation, but under-regulation risks harm to society. For businesses, accountability should be embedded in every stage of the AI lifecycle—from development to deployment. Companies that prioritize ethical practices will not only avoid regulatory penalties but also gain a competitive edge by building trust with consumers and stakeholders. For individuals, digital literacy will be crucial. Whether as users, developers, or policymakers, we all have a role to play in shaping AI’s future. By staying informed and advocating for responsible practices, we can ensure AI serves humanity rather than the other way around.

    Thank you, Ms. Anobili, for this comprehensive and insightful discussion. It’s clear that compliance and accountability are not just regulatory obligations but ethical imperatives in the age of AI.

    Thank you for the opportunity. It’s been a pleasure to share my thoughts on this critical topic. Together, we can shape a future where AI drives progress while upholding our shared values.

  • Cultural Nuances in Gift Card Giving

    Cultural Nuances in Gift Card Giving

    Gift cards have become a go-to gift choice worldwide, thanks to their flexibility and convenience. However they’re used, for birthdays, weddings, or even as a corporate reward, they remain an easy and versatile option. But the challenge is that what works as the perfect gift in one culture might be perceived as impersonal or even inappropriate in another.

    That’s why it’s important to understand the cultural side of gift-giving. Knowing these nuances ensures that your gift is received as intended. In this article, I’ll help you discover how different cultures view the different types of gift cards and share some tips to help you give gifts that are not only practical but also meaningful, no matter where you are.

    Understanding Cultural Differences in Gift-Giving Practices

    Gift-giving is more than just handing over a present, it’s deeply tied to cultural traditions, social norms, and religious beliefs. There are a good number of countries that use gift cards, but what might be considered a thoughtful gift in one country could be seen as impersonal or inappropriate in another.

    To avoid awkward moments, it’s important to understand how different cultures view gift-giving, especially when it comes to gift cards. The following are some ways cultural differences influence gift-giving:

    1. Personal vs. Impersonal Gifts: How Cultures See Gift Cards

    The way people see gift cards can vary a lot depending on the culture and how personal or impersonal gifts are seen.

    In individualist cultures (like the United States, Canada, or Australia), gift-giving often focuses on the individual’s personal preferences. Giving a gift card, especially for a store or activity the receiver enjoys, is often seen as considerate because it lets the person choose exactly what they want. Here, practicality and personal choice are valued, so gift cards are considered a convenient and mindful option.

    In collectivist cultures (such as China, Japan, or India), where relationships and community are key, gifts are expected to be more symbolic and show care and respect. In these cultures, a gift card might be seen as less personal, especially if it seems like a last-minute choice. However, gift cards for practical items, like groceries or technology, may still be appreciated because they show you care about the receiver’s needs.

    Therefore, when giving a gift card, think about whether the culture values practicality and personal choice or prefers something more symbolic and caring. This would help you choose gift cards that reflect the person’s interests or needs.

    2. Symbolic Meaning of Gifts in Different Cultures

    Gifts often have symbolic meanings in different cultures, so understanding these can help you pick the right gift card that fits cultural expectations.

    In Western cultures (like the U.S. and Europe), gift-giving can be more about marking an occasion or appreciating someone. A gift card to a favorite restaurant, bookstore, or service can show that you recognize the receiver’s preferences. Most businesses in that region often use gift cards to say “thank you” or as a reward for hard work.

    In Asian cultures (like China or Japan), the meaning behind the gift is often more important than its actual value. The type of gift, the color, and even the way it’s wrapped matter. For example, in China, red is a lucky color, so a red gift card or envelope could add extra meaning. On the other hand, you will need to avoid certain numbers or colors, like the number “four”, which sounds like “death” in Chinese. A gift card might seem too practical here, so it’s best to pair it with a personal note or a small, thoughtful gesture.

    In the Middle East and Africa, gift-giving is tied to hospitality and generosity. While gift cards aren’t as common, people expect gifts to be personal and something that can be enjoyed or shared. If you’re giving a gift card, it might be a good idea to combine it with a small, meaningful item or a heartfelt note.

    In cultures where gifts carry symbolic meaning, make sure your gift card feels quite caring and personal. You can dress it up with nice packaging or combine it with a small gift to show extra care.

    3. Practical vs. Lacking a Personal Touch

    The practical side of gift cards can either be a great thing or a drawback, depending on the cultural expectations.

    In cultures where practicality is valued (like in Western countries), gift cards are seen as a way to let the receiver choose what they need. For instance, cards for online retailers like Amazon or local stores are often appreciated for their flexibility. In places where online shopping is common, like the U.S. or Europe, gift cards are considered a modern and practical gift that provides the freedom of choice.

    In Nigeria for instance, where the value of an item usually determines how it’s received, you may need to consider how much a gift card costs to ensure that it’s not viewed as inferior.

    In more traditional cultures (like in the Middle East or Latin America), a gift card might be viewed as impersonal because it doesn’t show the same effort as picking out a specific gift. In these cultures, people might expect a more personalized gift that reflects the relationship or occasion. That said, gift cards for practical things, like household needs, could still be appreciated if presented strategically.

    You should always keep the cultural context in mind when giving a gift card. In some regions, gift cards might be seen as too quick or impersonal, so adding a personal note or selecting a card for a meaningful store can help make it feel more considerate.

    Types of Gift Cards and Their Cultural Relevance

    The following are some types of gift cards and how they’re perceived in different cultures:

    1. Retail Gift Cards

    Retail gift cards, like those for stores such as Amazon, Target, or Zara, are some of the most popular choices in Western countries, especially in places like the U.S., Canada, and Europe.

    They’re practical and provide the user freedom to pick something they want. They are great for business gifts, distant relatives, or when practicality is more important than a super personal touch.

    In Western cultures (U.S., Europe), they generally appreciate retail gift cards because they prioritize individual choice and practicality. However, in some cases like Christmas or birthdays, these cards can feel a bit impersonal, especially if the receiver is expecting something more personal. That said, if it’s for a store they love, it will be appreciated.

    In Latin America, they are becoming more popular here, but traditional, handpicked gifts still hold more value. In tight-knit communities, people appreciate gifts that show thought and effort, so a retail card might not have the same impact as a carefully chosen item.

    2. Experience-Based Gift Cards

    They are designed to offer services or activities rather than physical goods. Examples include spa treatments, cooking classes, concert tickets, or travel experiences. These types of cards have been growing in popularity in cultures that place high value on shared experiences and memories.

    They are best for occasions where the relationship is valued more than the material aspect of the gift. They are well-suited for close friends, family members, or partners who value making memories together.

    For Instance, In Japan, gifting often focuses on creating shared experiences or expressing deep appreciation. Experience-based gift cards are popular for occasions like weddings or anniversaries, where the gift is intended to create meaningful memories.  When given as gifts, it shows a careful understanding of the recipient’s lifestyle or interests.

    Italians are known for their emphasis on relationships and shared experiences, particularly for food, travel, and cultural activities. A gift card for a fine dining experience or a weekend getaway aligns with the cultural value placed on enjoying life’s moments together.

    In countries like Denmark and Sweden, there’s a growing trend toward minimalism and experiences over material goods. Experience-based gift cards resonate with people in these cultures, where the focus is on quality time rather than acquiring objects.

    3. Digital Gift Cards

    These forms of digital cards are sent through email or messaging apps, making them super convenient for tech-driven societies. They can be used online or in apps, giving people quick access to lots of products or services without needing a physical card.

    They are perfect for younger, tech-savvy people or when you need to send a gift instantly, especially for long-distance giving. They’re great for anyone who’s comfortable shopping online or using digital payments.

    For instance, in South Korea; a tech-savvy country where people live fast-paced lives, digital gift cards are very popular here, especially for online shopping or buying things like gaming credits. The instant convenience makes them a perfect fit for busy lifestyles.

    As China continues to embrace digital technology, digital gift cards have become a common way to give gifts. Platforms like WeChat Pay and AliPay are often used to send digital red envelopes (hongbao) with money, blending tradition with modern convenience, especially during holidays like Chinese New Year.

    Also, in the U.S., digital gift cards are popular, especially among younger people who love online shopping and using digital wallets. They can be for birthdays, holidays, or last-minute gifts when you need something quick and easy.

    4. Cash-Equivalent Gift Cards

    These types of gift cards function similarly to prepaid debit cards or store credit and are used in situations where gifting money is culturally acceptable or expected. They give the receiver the freedom to spend the balance however they wish, offering flexibility without the awkwardness of gifting cash directly.

    They are appropriate for occasions where giving money is culturally accepted or expected. The receiver can use them to choose how they use the funds while respecting cultural norms around monetary gifting.

    For instance, in China, the tradition of giving red envelopes (hongbao) with money, especially during Chinese New Year, is a deeply ingrained cultural practice. In recent years, digital versions of red envelopes via platforms like WeChat have made this tradition even more convenient.

    In Middle Eastern cultures, where generosity and hospitality are paramount, gifting cash or its equivalent is common, especially at weddings or large family gatherings. A cash-equivalent card like a Visa gift card allows the giver to offer a flexible yet culturally appropriate gift that aligns with their recipient’s needs.

    In Southeast Asia; in countries like Malaysia and Singapore, cash gifts are traditional for weddings and major life events. A cash-equivalent card may be appreciated for its practicality, especially if it’s tied to a culturally significant occasion.

    Gift-Giving Etiquette: How to Give Gift Cards Thoughtfully

    Gift cards are convenient, but to make them truly mindful, it’s important to focus on presentation, timing, and personalization. By understanding cultural differences, you can transform a simple gift card into something meaningful. The following are ways to ensure your gift card is well-received:

    1. Presentation and Packaging

    How you present a gift card matters. In cultures like Japan, the wrapping reflects respect, so a beautifully wrapped gift card in a cloth or special envelope adds extra care. In China, using a red envelope (a symbol of luck) during holidays like Lunar New Year is key. Even in Western cultures, a nicely designed cardholder or handwritten note can show you put thought into the gift.

    2. Timing

    Giving the gift card at the right time is just as important as the gift itself. In Western cultures, occasions like Christmas or birthdays are perfect for giving gift cards. In Asia, festivals like Lunar New Year are ideal for gifting, while in the Middle East, holidays like Eid are prime times for offering practical gift cards, such as those for household needs.

    3. Personalize Your Gift

    Adding a personal touch like a handwritten note or choosing a card from a store the receiver loves, can make a big difference. In many cultures, a heartfelt message can make even a simple gift card feel more personal and special.

    Conclusion

    Gift cards are viewed differently depending on where you are. In some cultures, they’re loved for their convenience and flexibility, making them an easy choice for gifts. But in other places, simply handing over a gift card might feel too impersonal or not mindful. Adding a personal touch, like thoughtful packaging or a handwritten note, can make all the difference in making your gift feel special.

    To make sure your gift card is appreciated, think about whether the person’s culture values practicality, symbolism, or a personal connection. By paying attention to how you present the gift when you give it, and adding a bit of personalization, you can turn a simple card into a meaningful and well-received gesture, no matter where the recipient is from.

  • Tech expert urges leaders to prioritise accountability, performance in AI-driven financial systems

    Tech expert urges leaders to prioritise accountability, performance in AI-driven financial systems

    As artificial intelligence and advanced analytics continue to reshape the global financial landscape, finance and technology expert Beryl Fonkem has urged enterprise leaders, policymakers, and regulators to place accountability, performance measurement, and ethical discipline at the centre of modern financial systems.

    Speaking at a Fintech summit, Fonkem cautioned that many institutions are embracing artificial intelligence without sufficiently addressing how these tools are governed, evaluated, or aligned with long-term financial stability.

    According to her, the next phase of financial innovation must move beyond automation toward intelligence that can be measured, explained, and trusted.

    “Technology is not transformative simply because it is advanced,” Fonkem said. “Its value lies in whether it performs consistently, supports responsible decision-making, and produces outcomes that can be independently evaluated.”

    Fonkem noted that artificial intelligence is increasingly influencing critical financial decisions, including risk assessment, debt sustainability analysis, and fraud prevention. Without clear accountability frameworks, she warned, these systems could obscure responsibility rather than enhance transparency.

    She emphasized that leaders must begin asking tougher questions about performance. “Organizations deploy complex digital finance systems, yet many cannot clearly demonstrate how those systems reduce risk, improve financial resilience, or protect stakeholders,” she explained. “If performance cannot be measured, accountability is weakened.”

    According to Fonkem, intelligent financial systems should be designed with built-in mechanisms for continuous evaluation, ethical oversight, and data integrity. She stressed that explainability and transparency are essential, particularly as AI-driven tools increasingly shape access to financial relief, credit decisions, and compliance outcomes.

    “Financial systems affect real lives,” she said. “When intelligence is embedded into these systems, it must be accompanied by governance structures that ensure fairness, traceability, and ethical use. Innovation without accountability creates risk, not progress.”

    Fonkem also highlighted the broader implications for national and economic stability, noting that poorly governed financial technologies can amplify systemic vulnerabilities. She called on regulators and industry leaders to collaborate on standards that define acceptable use, performance benchmarks, and ethical boundaries for AI in finance.

    Beyond institutional concerns, Fonkem has consistently advocated for financial literacy and public awareness, arguing that transparency in intelligent systems benefits not only organizations but also individuals navigating increasingly complex financial environments.

    It said that trust will ultimately determine the success of intelligent financial systems. “When leaders commit to performance, transparency, and ethical responsibility, technology becomes a tool for stability and confidence,” she said. “Without those principles, even the most advanced systems can undermine the very outcomes they are meant to achieve.”

  • NITDA receives Coursera Global Impact award for advancing digital skills

    NITDA receives Coursera Global Impact award for advancing digital skills

    The National Information Technology Development Agency (NITDA) has received the prestigious Coursera Global Impact Award for its efforts in making a transformative impact in Nigeria through education.

    Coursera, a leading global online learning platform, provides access to courses and degrees from top universities and companies worldwide, empowering people to acquire new skills.

    The award ceremony took place during the 12th annual Coursera Conference in Las Vegas, Nevada, where innovative organizations from around the world were celebrated for their contributions to education and the future of learning

    Other winners are iPeople; Larsen & Toubro and Azerbaijan’s Ministry of Economy (AI Innovation Award joint winners); Prince Sultan University (Engagement Excellence Award); Goeasy (Talent Transformation Award); and Dr. Kelvin Bentley of the University of Texas System (Learning Hero Award).

    NITDA Director General, Kashifu Inuwa, expressed gratitude to the organizers and emphasized the commitment of the Nigerian government, led by President Bola Tinubu, to strengthen the economy through technology and innovation.

    “Our vision prioritizes ICT as a fundamental component across all sectors, promoting sustainable growth and development in the country,” Inuwa said after receiving the laurel at the event.

    “We are also focusing on internal transformation at NITDA, fostering a vibrant organizational culture and advancing our workforce in emerging technologies such as artificial intelligence to enhance productivity and knowledge management.”

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    As part of its vision, NITDA launched the ‘1 Million Developers and Skills Initiative’ to boost digital skills and position Nigeria as a potential global talent exporter. The programme commenced in September 2022, initially providing 4,000 licenses to learners.

    The agency’s latest recognition is a testament to the success of its initiative. Within two years, 8,000 individuals were trained in nearly 60,000 courses, totalling more than 200,000 learning hours on the Coursera platform.

    The strategic partnership, according to Tech Digest, “addresses immediate skill gaps, lays the groundwork for digital transformation, and significantly enhances the skills, employability and productivity of the trainees.”