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Beware: Major Reasons Why Many People Fall Prey to Online Scams and How to Avoid Falling Victim

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Beware of online scams

By Rotimi Onadipe

A scam is simply defined as an illegitimate or deceptive plan of making money, particularly by tricking unsuspecting victims e.g. individuals, companies or organisations.

With the advancement of technology, particularly the invention of high tech devices everywhere e.g. smartphones and other Internet of Things (IoT) devices, there is no doubt that we now live in an age where almost anything seems possible, good, easy, cheap and available.

The scammers are aware of this development and they are also taking advantage of the situation to trick unsuspecting victims into giving their money, property, personal or sensitive information to them. They are always looking for ways to make money at the expense of unsuspecting victims.

Internet-related crimes are getting more sophisticated every day because of advancements in technology. As far as online scams are concerned, we are all vulnerable irrespective of age, sex, status, tribe, academic qualification or nationality.

We must be informed that the menace of online scams in our society cannot be totally eradicated in today’s technology age but we can reduce it to the barest minimum by educating ourselves, implementing best practices and staying vigilant at all times.

There are many reasons why many people fall prey to online scams but here are some common reasons:

  1. Greediness: Most people with an excessive desire for wealth usually fall victim to any kind of scam.
  2. Ignorance: A lot of people fall prey to scams because they have little or no knowledge about the common tricks used by scammers.
  3. Gullibility: Anybody that can be easily convinced that something is true or real will always fall prey to almost any type of scam.
  4. Lack of proper investigation: Scammers send a lot of scam emails every day and many unsuspecting victims respond without doing a proper investigation.
  5. Urgent desire for free offer: Scammers send out information containing free offers of goods, services and free money to trick unsuspecting victims and many unsuspecting victims fall for the scams because they want free money or goods and services that they won’t pay for.
  6. Desperation to gain employment: Many unemployed people that are desperate to get a job fall victim to unemployment scams on a daily basis.
  7. Fear of missing a great opportunity: Many unsuspecting victims fall for scams because they don’t want to miss the deceptive business opportunities introduced to them by scammers.
  8. Lack of special internet safety education for aged people and young children: Elderly people and young children are key targets of scammers because they are the most vulnerable.
  9. Lack of frequent awareness campaigns: Lack of regular awareness campaigns to sensitise the general public on the dangers and lasting solutions to scams makes many people to fall prey to scams.
  10. Urgent desire for cheap products: Many people fall victim to scams because they are urgently looking for cheap products.
  11. Carelessness: Many people are careless about their personal and sensitive information and this increases their vulnerabilities to any kind of scam.
  12. Many victims don’t want to share their stories: When victims don’t share their stories with others, others will continue to fall prey to scams.

Safety tips to avoid online scams:

  1. Investigate thoroughly before you invest in any business. More importantly, don’t believe everything you see online.
  2. Avoid sharing personal or sensitive information on social media.
  3. Report any suspicious or fraudulent activity immediately to the police or other anti-crime organizations.
  4. Avoid sharing personal or sensitive information through phone conversations.
  5. Be suspicious of any goods or services that are free.
  6. When you receive strange calls or text messages frequently, be suspicious.
  7. Check your online and offline accounts regularly to know if there are any fraudulent activities.
  8. Avoid connecting to the internet through public WiFi.
  9. Avoid clicking on any link or downloading an attachment if you are not sure the information is safe and secure.
  10. When you are contacted to provide personal or sensitive information online by any individual or organization, be suspicious and do a thorough investigation.
  11. Avoid doing online transactions on any website that you don’t trust.
  12. If an offer sounds too good to be true, be suspicious and do a thorough investigation.
  13. Use anti-virus software and keep it updated with the operating system of your device.
  14. When you receive any call from your bank requesting your personal or sensitive information, don’t provide the information but visit your bank immediately to address the issue.

Rotimi Onadipe is the CEO of Onadipe Technologies and the founder of Internet Safety Magazine

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Why President Bola Tinubu Has the Edge in Retaining Power in 2027

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Bola Tinubu 2027 presidential election

By Kenechukwu Aguolu

As the year 2027 draws closer, political manoeuvrings and calculations are already underway across Nigeria. The landscape is expected to shift, with new alliances and coalitions forming among political actors and parties. However, in my view, the chances of the current administration retaining power in 2027 remain high, and several compelling reasons support this assertion.

First and foremost, the All Progressives Congress (APC), the party currently in power, stands as the most formidable political force in the country. The APC boasts an unrivalled structure, a stable leadership, and the highest membership among all political parties. With the largest number of serving governors and National Assembly members, the party is firmly entrenched in all corners of the nation. These factors alone give the APC a significant advantage as it gears up for the 2027 presidential elections.

Under the leadership of President Bola Tinubu, the current administration has displayed a deep sense of patriotism and a clear vision for Nigeria’s future. While the reforms introduced by the government came with initial challenges, these difficulties are gradually easing, and the results are becoming increasingly evident. Prices of goods and services are steadily dropping, and the Naira is beginning to show signs of recovery.

The government’s efforts to diversify the economy are also bearing fruit, with initiatives such as the revival of the Ajaokuta Steel Company and ongoing reforms in the mining sector. By 2027, the dividends of these economic reforms will be more apparent, and the public will be able to feel their positive impact. These successes will work in the administration’s favour and could solidify the APC’s hold on power.

Infrastructure and security have been at the forefront of the government’s priorities. Significant improvements in power generation have already been made, and efforts to tackle insecurity have begun to show positive results, albeit gradually. Furthermore, the government is investing heavily in road construction, including vital projects like the Lagos-Calabar Expressway.

These infrastructural developments are not just for show—they will stimulate economic activities across the country, create jobs, and enhance the living standards of Nigerians. If these trends continue, it will be hard for any political opponent to deny the progress made under the current administration.

Perhaps the most critical factor in the APC’s favour is the leadership of President Tinubu himself. With his personality, widespread followership, and experience, he stands as a political giant in Nigeria. His leadership has been marked by a strong sense of purpose and determination, and his vast network of supporters spans across different regions of the country.

While some may argue that time will tell who will emerge as a viable challenger to President Tinubu, it’s difficult to imagine any politician currently being touted as a credible candidate who could match his national appeal and charisma. The nature of Nigerian politics means that any potential challenger would need to command significant nationwide support to pose a real threat to the APC’s grip on power.

Looking ahead to the 2027 presidential election, I believe it will be much easier for President Tinubu to secure re-election than it was in 2023. His leadership performance, coupled with the robust support of the APC, places him in a strong position for victory. While unforeseen events may shape the political landscape over the next few years, the factors already in play suggest that the current administration is well-positioned to retain power.

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Collaboration Made Easy Using a Work Management Platform

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Firas Jadalla Genetec

By Firas Jadalla

Effective collaboration between security operators, teams, and other departments is essential for the smooth functioning of any organization. However, as organizations grow in complexity, it becomes increasingly challenging for teams to coordinate. Factors such as staffing shortages, high turnover rates, and outdated collaboration tools exacerbate these challenges.

When staff rely on multiple disconnected tools for dispatch, reporting, and task tracking, operations often become fragmented, leading to delays and gaps in communication. In critical areas like safety and security, these inefficiencies can have serious consequences.

Work management solutions bridge these gaps by managing, tracking, and documenting activities, streamlining processes, and fostering real-time collaboration. Built specifically for security teams, these solutions enhance communication, boosts productivity, and improves overall operational efficiency through workflow automation.

Organizations in Africa and the Middle East operate in high-security environments where seamless collaboration is essential. A robust work management platform enables swift response and coordination across complex operational landscapes.

This growing need for integration is driving more organizations to align their security and IT departments. According to a recent Genetec report, 78% of end users in the META region indicate that these departments now work collaboratively, reflecting a shift toward a more unified security approach.

Overcoming barriers to effective collaboration

Over time, many organizations accumulate a patchwork of databases, spreadsheets, and standalone systems to communicate, create reports, and track activities. Some still rely on outdated paper-and-pen processes, which aren’t only time-consuming but also prone to errors. These disjointed methods hinder information sharing and coordination.A digital work management platform consolidates these fragmented systems, offering teams a unified view of activities accessible on both desktop and mobile devices. To take full advantage of their security system data, security teams need to consider more than a generic work management solution.

An ideal work management solution for security teams should accommodate security activities such as guard tours, patrols, and maintenance inspections. It should also seamlessly integrate with existing security systems. For instance, a video operator should be able to create a work request with an attached camera snapshot and route it to the appropriate team in just a few clicks. To ensure trustworthy audits and reporting, the work management system should be built with strong cybersecurity measures and ensure that data can’t be manipulated after the fact by applying blockchain principles.

Benefits of work management systems

Implementing a work management system can transform security operations in several ways:

  • Improved Communication: Teams gain real-time visibility into task progress, responsibilities, and pending assignments. Updates and alerts can be shared seamlessly to request assistance or provide situational awareness.
  • Enhanced Collaboration: Every team member contributes to shared goals rather than isolated tasks. Custom API integrations can connect with other systems, such as employee apps, further fostering teamwork.
  • Time Savings: Built-in reporting tools automate activity logs and compliance audits, freeing up time for other critical tasks.
  • Operational Efficiency: Routine tasks, incident management, and resource tracking are streamlined. Tasks are assigned to personnel with the appropriate skills, tools, and knowledge, ensuring readiness and precision.
  • Workflow Automation: Automations simplify recurring tasks, such as setting reminders, generating reports, or notifying team leads when new requests are added.
  • Resource Optimization: Features like work ticketing and asset management enable efficient resource allocation and management of internal and external requests.
  • Mobile Support: Field officers benefit from mobile apps that enhance situational awareness, communication, and access to standard operating procedures on the go.

Today, governments in Africa, for instance, are heavily investing in smart security solutions as part of their national digital transformation strategies. A centralized work management platform not only supports these efforts but also helps businesses align with evolving security regulations, ensuring compliance and streamlining reporting processes.

Tips for successful implementation

Every organization has unique workflows, so selecting a customizable work management system is crucial. It’s important to choose a solution that’s customizable and intuitive to minimize the need for extensive training.Integration is another key factor.

A platform that deeply integrates with your existing security ecosystem provides a cohesive view of operations and eliminates the need for manual data transfers or redundant processes.A well-designed work management system can break down silos, empower teams, and boost efficiency. To ensure a successful deployment, adopt a lean and agile approach: start small and gradually incorporate more features as your team becomes comfortable with the platform.

With initiatives like Kenya’s Konza Techno City, Nigeria’s Eko Atlantic City and Abuja Centenary City, organizations are increasingly integrating AI-driven security and IoT-enabled monitoring into their operations. A work management platform with automation capabilities supports these advanced security frameworks.

Firas Jadalla is the regional director for Middle East, Turkey & Africa at Genetec Incorporated

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From Struggle to Stability: How FinTech is Helping Nigerian SMEs Overcome Cash Flow Challenges

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From Struggle to Stability

When Mrs Agbaje started her school in Ibadan twelve years ago, she didn’t envision a tech-enabled future. Her dream was simple—provide affordable, quality education to children in her community. For the most part, she made it work. But as the school grew, a new challenge took root. It wasn’t infrastructure. It wasn’t teacher retention. It was something far more basic: getting paid.

Each new term brings the same pattern. Parents promise to pay fees “by next week.” Some follow through. Many don’t. As the term wears on, Mrs Agbaje finds herself juggling spreadsheets, reminder texts, and awkward conversations in car parks or at school gates. Meanwhile, salaries must be paid, books restocked, diesel bought. More often than not, she dips into personal savings to keep things running.

Her story is common across Nigeria. Small businesses—whether they’re schools, salons, logistics firms, or cooperative groups—are constantly navigating the emotional and financial toll of delayed payments. And it’s not just a matter of inconvenience. A recent study by MacTay Consulting found that Nigerian SMEs wait between 60 to 120 days on average to receive payment for services or products already delivered. That kind of delay is more than a hiccup. It threatens livelihoods. It blocks growth. It’s a silent killer.

For Chuks, who runs a car hire service in Enugu, the issue is tied to his bigger corporate clients. They insist on “net 30” or “net 60” terms—industry-speak for “we’ll pay you in a month or two.” That might be manageable for a large fleet with strong cash reserves, but for someone like Chuks, every week matters. With fuel prices rising and maintenance bills stacking up, he’s often forced to park cars because he doesn’t have the cash to fix them—even when work is lined up.

What links these stories is the reality that small businesses operate in a system where money is constantly in motion but rarely on time. Customers often mean well, but their own financial instability creates a domino effect. And the existing tools to manage payments—handwritten ledgers, POS machines, WhatsApp reminders—were never designed for structure. They’re patched solutions to a systemic problem.

Even digital banking, for all its advancement in Nigeria, hasn’t solved this issue. Many SMEs still operate informally, managing finances through personal bank accounts or apps not tailored to business needs. The result is a messy web of follow-ups, reconciliations, and emotional strain. Business owners become debt collectors, chasing down what they’ve already earned, time and time again.

What’s often missed in conversations about entrepreneurship is just how deeply this problem cuts. Payment delays mean rent can’t be paid on time. It means holding off on hiring a new staff member, or letting go of a part-time assistant. It means saying no to growth opportunities, not because they’re not viable, but because the cash flow isn’t predictable enough to take the risk.

And when you zoom out, the implications are national. Small businesses make up over 90% of enterprises in Nigeria. They contribute nearly half of the country’s GDP and employ a significant portion of the workforce. Yet, their greatest enemy isn’t market competition—it’s irregular income. This is a structural inefficiency that deserves far more attention than it gets.

Slowly, however, change is beginning to show. A quiet revolution is underway—one where technology is stepping in not as a trend, but as a tool for financial stability. More SMEs are beginning to explore digital solutions that streamline payments and reduce friction between businesses and customers.

Among these solutions is PaywithAccount, a new tool launched by Nigerian fintech company OnePipe. Designed specifically for businesses with recurring payments—schools, cooperatives, service providers—it allows them to automate collections directly from customers’ bank accounts. With full consent and transparency, payments can be scheduled, reducing the need for repeated follow-ups or awkward reminders.

For Mrs Agbaje, this has made a significant difference. Parents receive structured payment plans, reminders go out automatically, and debits happen based on prior agreement. She now spends less time tracking who has paid and more time planning curriculum upgrades and engaging with teachers.

The benefit isn’t just financial—it’s emotional. When business owners don’t have to chase payments, they gain time, clarity, and confidence. They can plan ahead, restock inventory, or finally invest in that expansion they’ve put off for years. And for customers, the experience feels more professional, more trustworthy. Everyone wins.

Technology won’t solve every problem for Nigerian SMEs. But smart, well-designed financial tools are starting to remove some of the biggest roadblocks—quietly and effectively. And that’s the point. The best systems aren’t flashy. They work in the background, reducing stress, restoring dignity, and enabling business owners to focus on what truly matters.

For Ope Adeoye, founder of OnePipe, the issue is personal. “Every Nigerian knows someone who runs a business—a cousin, a friend, a neighbour. When they suffer from late payments, it affects whole families and communities. Fixing this isn’t just a business goal—it’s a social one.”

In a country as dynamic and entrepreneurial as Nigeria, the challenge is rarely about lack of ideas. It’s about systems that help those ideas survive. And one of the most overlooked systems is the way money flows—or fails to.

As more SMEs embrace tools that put payment on autopilot, a future of stability—rather than constant survival—starts to feel possible. And in a nation powered by small businesses, that kind of shift could move mountains.

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