Feature/OPED
Aisha Buhari And That BBC Interview
By Reuben Abati
Public communication is one of the most delicate challenges that people in public life face, either in the corporate or the public sector.
Many people suddenly find themselves in high places, and they become a source of news, a potential interview subject, and they get chased around by journalists and other media figures who want a story, in fact, not just a story, but a scoop.
I used to explain in communication coaching classes and to the bosses whose media I managed, at one point or the other that they should never feel obliged to say things they do not want to say. No matter how aggressive the journalist may be, they should be careful what they say.
A journalist would make you feel at home, he or she may even reassure you that whatever you don’t want published could be edited out, and that if you don’t feel comfortable with a question, you should feel free to keep quiet. But a good journalist knows how to push you into a corner and get you, through follow up questions, to say things you may not ordinarily want to say. By the time the tape starts rolling, and you are encouraged to feel like a star, and your own tongue starts rolling, you’d be surprised the kind of emphasis, what you consider an innocent remark, would receive when it is published.
Point is: journalists, while on duty, are not working for politicians or big men and women; they are working for organizations that need stories that can sell. They want scoops that can make the headlines. That is what makes them journalists: getting the good story, the good comments, the good shots.
After reading the interview granted by First Lady Aisha Buhari on BBC Hausa Service, I was tempted to conclude that this is what may have happened. She could have said the same things in a more delicately phrased manner.
I have always held the view that anybody at all in a public position should be sent for media training (including how to deliver speeches, poise, pronunciation skills, even basic grammar lessons) before they are unleashed on a Nigerian public that has learnt to subject the lives of public officials to utmost scrutiny.
The Aisha Buhari interview also fell short in this regard. She just gave the BBC Hausa service a scoop, which in my view has done more damage to her husband’s politics than good.
Given the enormous effect that the interview has had on the public, I would have expected that by now, she would perhaps have tactically disowned it, put a spin on it somehow, and make it clear that it is not intended in any way to discredit, or criticize her husband’s administration. But nothing of such has happened. And what does that mean? That the interview was deliberate and that she is standing by every word she said.
She has been called the “good lady in the Villa.” She has been praised for being a modern wife who can speak up, and exercise her right to free speech. She has been called fearless and assertive. The only thing I have not heard from some of the hypocritical commentators is that she would be a good Presidential candidate for 2019.
I have also been told that she must have spoken out of frustration and that her public outburst about the existence of a cabal in the Villa, which determines who gets what appointment, to the disadvantage of members of the All Progressives Congress is making APC members who feel left out of the power-sharing process, very unhappy.
But her outburst is nothing but a poor understanding of power politics. There will always be cabals around the seat of power. Power is so potent the people around the corridor will never leave it alone to the President.
And if it is true that this cabal or the President has recruited non-APC members into the government, then that is a positive thing, it is also a positive thing that the President does not know many of the people he has appointed. He doesn’t need to know them personally as long as they come from all parts of Nigeria and they are competent men who can get the job done.
The First Lady seems to assume that only card-carrying members of the APC should work for the Buhari administration. On a positive note, however, she doesn’t want anybody to hijack her husband’s Presidency and she believes those who are trying to do so do not mean well. But what does that say about her husband?
The First Lady is also of the view that if the present trend continues, she cannot campaign for her husband in 2019 should he decide to seek re-election. She sounded pleased with what is being done to ensure security in the North East, but she gave the impression that she doesn’t think her husband has done enough to merit a second term in 2019.
Hear her: “What I fear is the uprising of 15.4 million people”. And consider this: “…Nobody thought it is going to be like this. But now that it is so…Sometimes when one is doing something wrong without him knowing, but when people talk to them, they should listen”. Who is that person doing something wrong and who does not listen?
Altogether, Mrs Aisha Buhari has passed the equivalent of a vote of no confidence in her husband, and the people around him. This is a kind of “home trouble” brought to the public. The biggest challenge a man can face is to have his own wife “fight” him in public. And what has happened is both unprecedented and significant considering that a Hausa-Fulani couple is involved. It is probably the first time a lady in this position would publicly upbraid her husband and his team. Is she furious because she has been scorned, ignored, rendered powerless?
Well, even if we were not privy to other details, she was publicly scorned when her husband sent a volcanic message from Germany that she should go back to her place in the “kitchen, the living room and the other room.”
Feminists and critics of misogyny have protested over this, quite rightly too, at a time when women are leading countries and corporations, it is incorrect and insensitive to say that the best place for a First Lady is to be a cook, a living-room-soap opera-watching detainee and a bedroom object.
But given the cultural circumstances involved, this may well be the future Aso Villa fate of First Lady Aisha Buhari. She could be marked out as an ambitious woman who wants to share power with her husband, and as a threat to her husband’s politics.
See how much damage has been caused already by the President’s counter-response: The German Chancellor glared at our President when she heard that comment about “the kitchen, the living room and the other room.” She quickly ended their press conference.
Angela Merkel is married, and she is Chancellor, but I don’t think her husband would dare tell her she is best fit for the kitchen and the other room. And imagine if Theresa May, Ngozi Okonjo-Iweala, Oby Ezekwesili, Grace Alele-Williams, Omobola Johnson, Chimamanda Adichie, Joke Jacobs… had all been chained down in the “other room”.
No wonder, President Buhari’s local opponents are already making big political capital out of his un-Presidential comments, and the German public is shocked that any world leader could be so politically incorrect.
The number of jokes and memes that have been designed around this husband-wife exchange are thoroughly amusing. Mrs Buhari has also handed over to critics of this administration, speaking points that would be exploited all the way till 2019, and she may well end up not as a powerful force in the Villa but as a strong voice for women’s rights.
It is possible she may be advised soon to recruit spin-doctors to do damage control, but she may have left that rather late already.
On the other hand, there is no amount of damage control that the President’s spin-doctors can sell to anyone. Whatever happens, she is cultivating a reputation as a different kind of First Lady.
Since independence, every Nigerian Head of State or President has enjoyed the support of his wife while in office: strong, fanatical support.
Mrs Maryam Abacha was so supportive of her husband, while everybody condemned him, and long after his death, she has continued to celebrate his memory.
Before her, Mrs Maryam Babangida brought greater colour and celebrity status to the Office of the First Lady and added much value to her husband’s tenure.
Mrs Fati Abubakar was a dignified presence behind her husband, the same with Mrs Margaret Shonekan. President Olusegun Obasanjo had as First Lady, the very elegant and beautiful Stella Obasanjo who mobilized support and goodwill for her husband. Turai Yar’Adua, wife of the late President Umaru Musa Yar’Adua was also so devoted to her husband’s cause, she was declared the head of the Aso Rock cabal. No one doubted her determination to protect her husband’s interest during those critical moments. You all know Mrs Patience Jonathan. She was as First Lady, her husband’s most vocal supporter. This brought her at loggerheads with some sections of the public who objected to her prominence and controversial statements, but not once did she or the other First Ladies before her, criticize their husbands in public.
Elsewhere, First Ladies also support their husbands. With all the reported cases of dalliance and cuckoldry during the Bill Clinton Presidency, Hillary Clinton stood by her husband. Michelle Obama has also proven to be a very good role model in this regard.
Certain positions require careful grooming. Any form of tension in the home could distract a political leader and make him seem vulnerable in the eyes of the public.
Mrs Aisha Buhari may have spoken her mind, but she should not make a habit of assuming the role of a radical, in-house critic, throwing her husband under the wheels. She ought to be thoroughly embarrassed by all the fun being poked at her husband because of that BBC Hausa interview she granted. How this matter is resolved between their kitchen and “the other room” is a family affair into which we cannot dabble.
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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