Feature/OPED
2019 Presidential Election: Assessing Possibility of Electoral Fraud
By Omoshola Deji
After about thirty years of stern military rule, Nigeria re-embraced democracy in 1999 and five elections have produced Presidents Olusegun Obasanjo (two terms), Umaru Yar’Adua, Goodluck Jonathan and the incumbent Muhammadu Buhari.
The year 2019 ushers in an opportunity for Nigerians to elect another president or return Buhari. Buhari has promised a free and fair election, but the opposition parties and some observers cast doubts on his commitment to ensuring transparency in an election he is contesting.
This piece examines the allegations and influence of nepotism on the credibility of the electoral process, as well as the effects of underage voting and vote-buying on election results.
Nigerians are criticizing President Buhari’s appointments as nepotistic, especially his choice of the heads of security agencies and the electoral commission. The prevailing argument that this is a clever style of managing the electoral process in his favour steers us into an appraisal of such appointments by the previous governments. Ensuring the successful conduct of elections in Nigeria involves the collaborative effort of several agencies – including the Civil Defense, Army and State Security Service – but Police and INEC are the most crucial. INEC conduct elections and police leads the provision of security. The appraisal thus focuses on these two outfits.
Individuals referenced are classified based on their states of origin and geopolitical zones as currently defined in Nigeria. The zones are abbreviated thus: South-West (SW), South-East (SE), South-South (SS) North-West (NW), North-Central (NC), and the North-East (NE).
Is President Buhari’s appointment of the 2019 election handlers nepotistic? In the first republic (1963-1966), President Nnamdi Azikwe, a native of Anambra State (SE), appointed Louis Edet from Cross River State (SS) as the Inspector General of Police (IGP). Eyo Ita Esua from Cross River State (SS) was appointed the head of the Federal Electoral Commission. You would note that the president and the heads of FEC and police were not from the same geopolitical zone. The military seized power in 1966.
To conduct the election that’ll usher in the second republic in 1979, then General Olusegun Obasanjo from Ogun State (SW) appointed Chief Michael Ani from Cross River State (SS) as Chairman of the Federal Electoral Commission. Muhammadu Dikko Yusufu from Katsina State (NW) was appointed the IGP. The head-of-state and the heads of FEC and police were not from the same geopolitical zone. Obasanjo transferred power to Shehu Shagari, but (Nigeria’s incumbent president) then General Muhammadu Buhari seized power via a military coup in 1983. General Ibrahim Babangida later ousted him in 1985.
After being pressurized by a national campaign for democratic rule, Babangida promised to conduct elections and hand over power in 1993 – the third republic. Babangida, a native of Niger State (NC) appointed Professor Humprey Nwosu, an indigene of Anambra State (SE), as the Chairman of the National Electoral Commission. Aliyu Atta from Adamawa State (NE) was appointed the IGP. Please note that the military-president and the heads of NEC and police were not from the same geopolitical zone.
To conduct the election that brought on the (Obasanjo led 1999-2003) fourth republic, General Abdusalami Abubakar from Niger State (NC) appointed Justice Ephraim Akpata from Edo State (SS) as the Chairman of the Independent National Electoral Commission (INEC). Ibrahim Commassie, an indigene of Katsina State (NW), was appointed the IGP. Again, General Abubakar and the heads of INEC and police were not from the same geopolitical zone.
Ex-President Obasanjo’s second term was the fifth republic (2003-2007). The election that earned him the term was handled by then INEC Chairman Abel Guobadia (Edo, SS) and IGP Mustafa Balogun (Osun, SW). Appointments of the two crucial election handlers were not only allotted to the South, the police IG was from Obansanjo’s geopolitical zone, the SW.
This is not the case now in Buhari’s government. Buhari, a native of Katsina State (NW) appointed Mamood Yakubu (Bauchi, NE) and Idris Kpotun (Niger, NC) as INEC and police heads.
Although Buhari dispensed the appointments to northerners, he and the two appointees are from separate northern geopolitical zones. In essence, Obasanjo’s appointment of INEC and police heads when he was seeking re-election in 2003 is even more sectional than what we have now.
It is appalling that facts about an issue that could diminish Buhari’s votes, especially in the South, stay unutilized. Why is the work of presidential aides being left for independent analysts in an election season? Buhari’s aides are either unmindful of the harm negative public perceptions could do to their principal or they are simply overconfident he would win. But on a second look, why was Obasanjo’s appointment not criticized? Why are people afraid that Buhari’s appointments could breed electoral fraud, but weren’t troubled during Obasanjo’s rule?
The issue is best explained empirically. When Ex-President Goodluck Jonathan increased petrol price from 67 to 87 Naira, people protested because his government was widely rated as corrupt. They didn’t trust him. But when President Buhari increased petrol price from 87 to 145 Naira, the protest was very minimal because Nigerians see him as a non-corrupt person. Trust is the keyword here.
People never protested against Obasanjo’s more sectional appointment of INEC and police heads because they didn’t see him as nepotistic and chauvinistic. His other key appointments (of national security adviser and heads of civil defense, army, the state security service etc.) reflected Nigeria’s ethnic pluralism. That cannot be said of Buhari. He is more sectional than national.
The heads of all the above mentioned agencies are from the North. SSS is currently being led by Mathew Seiyefa (Bayelsa, SS) due to dismissal of Lawal Daura (Katsina, NW) and there are reports of ongoing moves to replace him with a northerner. Nigerians are pessimistic about getting a credible election in 2019 as the influence of these outfits’ activities on election results cannot be undermined. Does nepotism breed electoral fraud? We must resist the appetite to digress. I’ll dissect the issue after concluding the ethnic and geopolitical appraisal of individuals appointed to handle the conduct of past national elections.
The election that ushered in the (late Umaru Yar’Adua led) sixth republic was conducted by the Obasanjo administration. The poll was handled by then INEC Chairman, Professor Maurice Iwu (Imo, SE) and IGP Sunday Ehindero (Ondo, SW). In this case, Obasanjo’s appointment of non-northerners can be argued as ensuring fairness and transparency since the election was mainly a contest between northern candidates – late Umaru Yar’Adua for the PDP, M. Buhari for the defunct ANPP, and Atiku Abubakar for the defunct AC.
Yar’Adua’s death left a vacuum in government. His vice, Goodluck Jonathan (Bayelsa, SS), was sworn in on May 5, 2010 to complete the four-year tenure of the sixth republic (2007-2011). As the term ends, Jonathan turned down the northern oligarchy’s request to takeover. He contested, won and governed Nigeria in the seventh republic (2011-2015). The election that returned him elected was handled by the northerners he appointed. Prof. Attahiru Jega (Kebbi, NW) was the INEC Chairman and Hafiz Ringim (Jigawa, NE) was the IGP. Unlike the Buhari administration, Jonathan was mindful of Nigeria’s ethnic sensitivity and majority of his appointment favoured other ethnic groups, especially the northern lived Hausa-Fulani. He retained Jega as INEC Chairman and appointed Suleiman Abba (Jigawa, NE) as IGP for the 2015 elections.
Jonathan lost the race to rule Nigeria in the eighth republic (2015-2019) to incumbent President Buhari. He conceded defeat. Oppositely, when Jonathan floored Buhari in the 2011 presidential election, the latter’s supporters violently protested, killed and destroyed properties in the north. Would the 2011 post-election violence not have been more devastating if the election handlers and service chiefs were Southerners from Jonathan’s ethnic extraction? Ensuring appointments into sensitive positions are fairly distributed remains one of the most effective means of maintaining public trust, dousing inter-ethnic bigotry and erasing agitation for succession in a plural state like Nigeria. Does nepotism breed electoral fraud? How will nepotism, vote-buying and underage voting affect the outcome of the 2019 presidential election?
In the history of Nigeria, Buhari is the first ruler to appoint an INEC Chairman from his region, the NW. He appointed his supposed relation, Mrs Amina Zakari, as the acting INEC Chairman in June 2015. After several criticisms, Prof Mahmood Yakubu was appointed to replace her as the substantive chairman in October 2015. The relationship between Zakari and Yakubu is so strong that it has the tendency to influence the outcome of the elections in favour of Buhari. The nepotism and sectionalism in Buhari’s government is also present in INEC’s leadership.
Vote buying and underage voting are electoral crimes, but INEC and police have been unable to stem the tide. The two agencies only condemn. They are unwilling to prosecute electoral offenders. The northern region has the highest case of underage voting, while vote-buying has recently gained prominence across the country.
In all fairness, affection for Buhari can’t be argued as the sole reason for underage registration and voting in the north. The north has always had a substantial registration of underage voters before Buhari became president. Nonetheless, his re-election bid has led to an increase in such for political gain. In 2019, (regular and) underage voting would be a huge gain for Buhari in his northern stronghold.
In other regions, Buhari currently have an above-average support in the SW, fast-rising support in the SE, and a below-average support in the SS. Vote buying could easily cover up for his shortfalls in these southern areas. Electoral fraud is bound to occur on a massive scale in the 2019 elections. APC and Buhari would profit more from it than the opposition because they are in control of the nation’s finance and force. With the nepotistic arrangement in place and the forces’ top-down chain of command, all it takes the force heads is to post their loyalists to key states in order to allow the Buharists operate unchecked.
Politics is the switch that controls police operations under IGP Idris Kpotum. Sadly, elections in Nigeria are often marred by so much irregularity that it is quite easy for the umpire and security agencies to manipulate the results. Then again, the force heads have been so political that they have a reason to compromise in order to avoid their imminent sack, if the opposition wins. Buhari is no doubt a strong candidate, but the election is being technically managed in such a way that it would be impossible for him to lose.
INEC and the security agencies operations largely determine the outcome of elections in Nigeria. The heads periodically issue obnoxious orders to their subordinates and questioning or disobeying such orders is treated as an affront, insubordination and disloyalty. The punishment for such is non-promotion, unfavourable transfers, and sometimes death. The boss’ mood dictates the actions of the subordinates, and his wish, whether legal or not, becomes the institution’s mission, especially during elections. Making chauvinistic appointments into agencies operating such a closed system – in a nation where people are more committed to their ethnic groups than to the Nigerian state – is unfortunate for Nigeria’s democracy and a recipe for electoral fraud.
All that concern a presidential election in a plural nation should not be regional. In a polity where the instruments of the state are often used for political gains, a presidential election handled by heads of INEC and security agencies who are northerners, with an incumbent northern candidate running, is beyond doubts programmed not be free, fair, credible or transparent. Such election grievously puts the non-northern candidates in an extremely disadvantaged position. Ethnic affiliation controls emotions in Nigerian elections. Ethnic affection inspired the annulment of the 1993 presidential election won by Moshood Abiola. Babangida wouldn’t have annulled the election if Bashir Tofa (his fellow northerner) won.
Political interests dictate government policies in Nigeria. The Supreme Court ruled that using electronic card readers for voter accreditation is not permissible under the Nigerian electoral laws. The national assembly passed a bill that’ll permit the use of electronic card readers for the 2019 elections, but Buhari declined assent twice. The implication of this is that INEC would have to use the manual means of voter accreditation in 2019 and this would lead to massive electoral fraud.
Buhari must live up to the responsibility of ensuring Nigerians get a free, fair and credible election, and accepting the outcome in good faith if defeated. No matter how hard he tries to be transparent, his nepotistic and chauvinistic conducts, the inability to manage personal interest, autocracy, and hounding the opposition could drive Nigeria’s democracy rearward.
Omoshola Deji is a political and public affairs analyst. He wrote in via [email protected]
Feature/OPED
The Future of Payments: Key Trends to Watch in 2025
By Luke Kyohere
The global payments landscape is undergoing a rapid transformation. New technologies coupled with the rising demand for seamless, secure, and efficient transactions has spurred on an exciting new era of innovation and growth. With 2025 fast approaching, here are important trends that will shape the future of payments:
1. The rise of real-time payments
Until recently, real-time payments have been used in Africa for cross-border mobile money payments, but less so for traditional payments. We are seeing companies like Mastercard investing in this area, as well as central banks in Africa putting focus on this.
2. Cashless payments will increase
In 2025, we will see the continued acceleration of cashless payments across Africa. B2B payments in particular will also increase. Digital payments began between individuals but are now becoming commonplace for larger corporate transactions.
3. Digital currency will hit mainstream
In the cryptocurrency space, we will see an increase in the use of stablecoins like United States Digital Currency (USDC) and Tether (USDT) which are linked to US dollars. These will come to replace traditional cryptocurrencies as their price point is more stable. This year, many countries will begin preparing for Central Bank Digital Currencies (CBDCs), government-backed digital currencies which use blockchain.
The increased uptake of digital currencies reflects the maturity of distributed ledger technology and improved API availability.
4. Increased government oversight
As adoption of digital currencies will increase, governments will also put more focus into monitoring these flows. In particular, this will centre on companies and banks rather than individuals. The goal of this will be to control and occasionally curb runaway foreign exchange (FX) rates.
5. Business leaders buy into AI technology
In 2025, we will see many business leaders buying into AI through respected providers relying on well-researched platforms and huge data sets. Most companies don’t have the budget to invest in their own research and development in AI, so many are now opting to ‘buy’ into the technology rather than ‘build’ it themselves. Moreover, many businesses are concerned about the risks associated with data ownership and accuracy so buying software is another way to avoid this risk.
6. Continued AI Adoption in Payments
In payments, the proliferation of AI will continue to improve user experience and increase security. To detect fraud, AI is used to track patterns and payment flows in real-time. If unusual activity is detected, the technology can be used to flag or even block payments which may be fraudulent.
When it comes to user experience, we will also see AI being used to improve the interface design of payment platforms. The technology will also increasingly be used for translation for international payment platforms.
7. Rise of Super Apps
To get more from their platforms, mobile network operators are building comprehensive service platforms, integrating multiple payment experiences into a single app. This reflects the shift of many users moving from text-based services to mobile apps. Rather than offering a single service, super apps are packing many other services into a single app. For example, apps which may have previously been used primarily for lending, now have options for saving and paying bills.
8. Business strategy shift
Recent major technological changes will force business leaders to focus on much shorter prediction and reaction cycles. Because the rate of change has been unprecedented in the past year, this will force decision-makers to adapt quickly, be decisive and nimble.
As the payments space evolves, businesses, banks, and governments must continually embrace innovation, collaboration, and prioritise customer needs. These efforts build a more inclusive, secure, and efficient payment system that supports local to global economic growth – enabling true financial inclusion across borders.
Luke Kyohere is the Group Chief Product and Innovation Officer at Onafriq
Feature/OPED
Ghana’s Democratic Triumph: A Call to Action for Nigeria’s 2027 Elections
In a heartfelt statement released today, the Conference of Nigeria Political Parties (CNPP) has extended its warmest congratulations to Ghana’s President-Elect, emphasizing the importance of learning from Ghana’s recent electoral success as Nigeria gears up for its 2027 general elections.
In a statement signed by its Deputy National Publicity Secretary, Comrade James Ezema, the CNPP highlighted the need for Nigeria to reclaim its status as a leader in democratic governance in Africa.
“The recent victory of Ghana’s President-Elect is a testament to the maturity and resilience of Ghana’s democracy,” the CNPP stated. “As we celebrate this achievement, we must reflect on the lessons that Nigeria can learn from our West African neighbour.”
The CNPP’s message underscored the significance of free, fair, and credible elections, a standard that Ghana has set and one that Nigeria has previously achieved under former President Goodluck Jonathan in 2015. “It is high time for Nigeria to reclaim its position as a beacon of democracy in Africa,” the CNPP asserted, calling for a renewed commitment to the electoral process.
Central to CNPP’s message is the insistence that “the will of the people must be supreme in Nigeria’s electoral processes.” The umbrella body of all registered political parties and political associations in Nigeria CNPP emphasized the necessity of an electoral system that genuinely reflects the wishes of the Nigerian populace. “We must strive to create an environment where elections are free from manipulation, violence, and intimidation,” the CNPP urged, calling on the Independent National Electoral Commission (INEC) to take decisive action to ensure the integrity of the electoral process.
The CNPP also expressed concern over premature declarations regarding the 2027 elections, stating, “It is disheartening to note that some individuals are already announcing that there is no vacancy in Aso Rock in 2027. This kind of statement not only undermines the democratic principles that our nation holds dear but also distracts from the pressing need for the current administration to earn the trust of the electorate.”
The CNPP viewed the upcoming elections as a pivotal moment for Nigeria. “The 2027 general elections present a unique opportunity for Nigeria to reclaim its position as a leader in democratic governance in Africa,” it remarked. The body called on all stakeholders — including the executive, legislature, judiciary, the Independent National Electoral Commission (INEC), and civil society organisations — to collaborate in ensuring that elections are transparent, credible, and reflective of the will of the Nigerian people.
As the most populous African country prepares for the 2027 elections, the CNPP urged all Nigerians to remain vigilant and committed to democratic principles. “We must work together to ensure that our elections are free from violence, intimidation, and manipulation,” the statement stated, reaffirming the CNPP’s commitment to promoting a peaceful and credible electoral process.
In conclusion, the CNPP congratulated the President-Elect of Ghana and the Ghanaian people on their remarkable achievements.
“We look forward to learning from their experience and working together to strengthen democracy in our region,” the CNPP concluded.
Feature/OPED
The Need to Promote Equality, Equity and Fairness in Nigeria’s Proposed Tax Reforms
By Kenechukwu Aguolu
The proposed tax reform, involving four tax bills introduced by the Federal Government, has received significant criticism. Notably, it was rejected by the Governors’ Forum but was still forwarded to the National Assembly. Unlike the various bold economic decisions made by this government, concessions will likely need to be made on these tax reforms, which involve legislative amendments and therefore cannot be imposed by the executive. This article highlights the purposes of taxation, the qualities of a good tax system, and some of the implications of the proposed tax reforms.
One of the major purposes of taxation is to generate revenue for the government to finance its activities. A good tax system should raise sufficient revenue for the government to fund its operations, and support economic and infrastructural development. For any country to achieve meaningful progress, its tax-to-GDP ratio should be at least 15%. Currently, Nigeria’s tax-to-GDP ratio is less than 11%. The proposed tax reforms aim to increase this ratio to 18% within the next three years.
A good tax system should also promote income redistribution and equality by implementing progressive tax policies. In line with this, the proposed tax reforms favour low-income earners. For example, individuals earning less than one million naira annually are exempted from personal income tax. Additionally, essential goods and services such as food, accommodation, and transportation, which constitute a significant portion of household consumption for low- and middle-income groups, are to be exempted from VAT.
In addition to equality, a good tax system should ensure equity and fairness, a key area of contention surrounding the proposed reforms. If implemented, the amendments to the Value Added Tax could lead to a significant reduction in the federal allocation for some states; impairing their ability to finance government operations and development projects. The VAT amendments should be holistically revisited to promote fairness and national unity.
The establishment of a single agency to collect government taxes, the Nigeria Revenue Service, could reduce loopholes that have previously resulted in revenue losses, provided proper controls are put in place. It is logically easier to monitor revenue collection by one agency than by multiple agencies. However, this is not a magical solution. With automation, revenue collection can be seamless whether it is managed by one agency or several, as long as monitoring and accountability measures are implemented effectively.
The proposed tax reforms by the Federal Government are well-intentioned. However, all concerns raised by Nigerians should be looked into, and concessions should be made where necessary. Policies are more effective when they are adapted to suit the unique characteristics of a nation, rather than adopted wholesale. A good tax system should aim to raise sufficient revenue, ensure equitable income distribution, and promote equality, equity, and fairness.
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