Feature/OPED
An Account of Corruption and Anomalies in Nigerian Immigration Service
By Omoshola Deji
One of the primary responsibilities of government is to provide, or regulate the provision of, efficient service to the populace. Successive Nigerian government has failed in this regard.
It has become a convention to get inefficient service, despite paying high. Both private and public institutions are culpable, but the latter errs more. Public officials are more of exploiters than service providers. The uniformed ones are worse. You are bound to pay extra before being attended to. Such is the case of the Nigerian Immigration Service. This piece brings you a first-hand account of the anomalies and corruption going on at the passport offices.
I flew into Nigeria for some engagements and noticed my passport would expire in six months. This qualifies it for renewal. I had two options: renew it in Nigeria or abroad. I opted for the former to avoid the stress I faced to procure the expiring passport.
Besides, it is more expensive to renew the passport abroad, and I stay far from the embassy. Renewing a Nigerian passport abroad is an uphill task many try to avoid. The unethical conduct of the embassy officials would make you want to renounce Nigeria. For more guidance on dealing with such issues, visit AbogadaKate.com where you can find professional advice and support to navigate these frustrating processes.
“You can’t just walk in and get a passport”, my friends warned. They vowed I won’t get it quickly unless an immigration officer ‘assists’ me. ‘Assist’ means paying an officer to monitor and hasten the passport application process.
Rejecting the suggestion made them recount the tales of people who failed to subscribe for assistance. They narrated how such person’s application hit the rocks with “no record found”. How their image gets captured wrongly – rendering the passport unusable – was also recounted.
Other persons I chatted also stressed the importance of ‘assistance’. They disclosed that applying without being ‘assisted’ can take you up to 5 months, while you’d get your passport between 1-14 days when assisted. I remained adamant, but succumbed when a contact said “I know someone (an immigration officer) who’ll do it fast for 30k. Pay the standard 18, I’ll add the remaining 12”. That silenced me. I couldn’t dissent. To overegg the pudding was unnecessary. I agreed, on a condition that I would pay all.
We were welcomed by touts advertising ‘assistance’ when we visited the passport office. Most of them are agents of the immigration officers.
Some officers were at the gate that day, and every other day. They were positioned as security, but seen scouting for new applicants; identifying them by their demeanour. The ideal thing is to direct applicants to a guideline or office, but they never did. They were asking them “do you know your way?” Answering “no” or making inquiries makes you prey. You would be connected to their partnering tout or officer to ‘assist’ you. Answering “yes” means you’ve already established contact with an officer inside.
We met an officer who charged me N35,000 for the 32 page passport, but we slashed the price to N30,000. The officer reluctantly agreed; persuading us to pay more. I paid N30,000. The original cost of the 32 page passport I applied for – lately before the issuance of the enhanced e-passport commenced – is about 18,000. Paying N30,000 made me unhappy till I eavesdropped that some people paid N45,000 for the same 32 page passport. That made me feel N30,000 was a good deal. I was somewhat glad. You would too.
My money did some work, the officer ‘assisting’ me fast-tracked the application. I did the face and fingerprint capturing within three hours. Don’t say I waited long! Capturing within such a timeframe isn’t possible without ‘assistance’; the applicants were over hundred.
Nonetheless, the assistance wouldn’t have been necessary if the system is efficient, but those profiting from the inefficiency would not let it be.
The officer ‘assisting’ me collected my file after capturing. Like every other colleague, the officer has a client’s record book. My data was added to several others contained therein. I was told to come for the passport in two weeks. Efforts to secure a faster date failed. I left and couldn’t return till after a month due to an interstate engagement.
I got back and need to return abroad. Having performed the bribe ritual, I wasn’t worried about the passport, but the cost of flight ticket. I searched for ticket and was lucky to get a good offer from a reputable airline. This got me excited. My eyes stared at the ticket as I reminisced my last experience with the airline, hoping to have a good time again. I was tempted to book the flight, but held back. Being confident the passport is ready isn’t enough, lay your hands on it, I counselled myself. That turned out to be my best decision in the year.
“Your passport is not ready, we don’t have booklet”. The immigration officer ‘assisting’ me uttered the next morning. I smiled thinking it was a joke, only to discover it isn’t. I became worried about my scheduled activities abroad.
How do I explain to a foreign organization that I won’t return at the agreed time due to passport renewal delay, when such doesn’t happen in their country? Efforts to get the passport quickly exposed me to several other wrongs in the passport office.
There’s no orderliness and feedback mechanism. You must always be present, even for minor things. The officers are used to earning extra from ‘assistance’ daily. This affects their commitment to you. They no longer give you much attention after the first day, their attention is always on the new clients. They have so many clients that they struggle to remember their name and situation when they dial. This made me resolve to always visit the passport office to monitor progress.
My regular visits made me a familiar face to some of the officers. A narration of my engagements abroad and the implication of not travelling immediately only earned me pity, not solution. I discovered the officers have factions and an unofficial policy. The officer you pay is responsible for you; no officer will assist you even if they can, no matter how terrible your situation is. This immensely affected me.
The officer ‘assisting’ me, a senior one at that, no longer have strong links in the production room due to recent reordering of duties. Clients of those who have strong networks in the room were collecting passports. Then, I discovered my officer was greedy. Officers in the production room charge colleagues for speedy processing because they know they’ve been paid too. The officer just submitted my file without tipping. As the days passed, I got more disturbed as I receive emails to explain my absence abroad.
An officer advised I should explain my situation to the head of Service Compact (SERVICOM) – the complaint and efficient service delivery section. I met the head of SERVICOM after a long wait. “Who is assisting you?” he asked. My eyes popped. The SERVICOM head knows about ‘assistance’. Great! I answered and was told to summon the officer over immediately. I felt uncomfortable, thinking the officer may be reprimanded, but nothing happened. They both checked my application status and detected no problem.
The SERVICOM head therefore instructed the officer to regenerate my file. He promised to indorse and send it to the production room, but I must do something before that happens. I must have a flight ticket and get a letter from the organization I am with abroad, stating why I have to return urgently. That got me infuriated. Booking has not helped most of the applicants I’ve seen around. Moreover, I can only show proof that I’m affiliated with a foreign organization and why my trip is urgent, but can’t get a letter from abroad.
I contended that it is unreasonable for Nigerian immigration to be directing Nigerians to get a letter from foreign institutions before they can be issued a passport. The noisy room suddenly went silent.
Unbothered, I stated that the passport is my inalienable right and no foreign institution would persuade Nigeria before I get it. The room was still silent, an indication that I’ve either misfired or scored a hat-trick. It was the latter. I was told to only explain my situation in writing and provide evidence that I must travel soon. No foreign letter needed.
I returned the next day with my letter and supporting evidence. To my utter dismay, the passport office had no network to check my status. I was amazed, but the officers weren’t. They experience such regularly. No one could do a thing that day. The entire office was practically shut down.
We were all waiting for network when I overheard the officers discussing about a just released promotion list. They’re annoyed that many of the officers who participated in the promotion exercise and passed, without any query, were not promoted, because they’re Southerners. The Northerners, particularly the Hausa-Fulani were massively promoted and posted to promising places. They also complained about the lack of proper documentation in the Nigerian Immigration Service. Many retired and deceased officers name came out as promoted. The officers lastly discussed the new enhanced e-passport and how much they should be charging for ‘assistance’. No amount was agreed. I went home happy. The revelations made my coming worthwhile.
The next day, my officer advised I shouldn’t regenerate my file for one reason: the officers assigned to search files often declare them unfound without conducting any search. The officer collected extra N3,000 from me to tip a new contact in the production room. I was glad I didn’t ask the foreign body for letter and my predicament was earning me uncommon findings.
I later visited the passport office with Dr Akin, an erudite scholar and researcher who just landed in Nigeria. I briefed him of my past findings and tasked him for more. Dr Akin gathered facts from the applicants through informal discussions. His respondents revealed they’re being ‘assisted’ by different officers who charged them between N30,000 to N45,000, instead of N18,000. He briefed me of a septuagenarian who vowed it’s impossible for anyone to procure a passport at the official fee. The old woman shared her desire to see a working Nigeria, but regrets that can’t happen during her lifetime. I got my passport that day, about three months after applying.
The Comptroller General, Nigerian Immigration Service, Muhammad Babandede, has to step up his game. He needs to inject more transparency, efficiency, accountability and discipline into the service. More passport offices need to be established and the existing ones should be provided with enough amenities. More seats are needed. Many applicants stood under the sun to collect their passport and the public address system was inaudible. Those in front have to repeat the names being called before others could hear. People were charged N50 for using the lavatory, why?
This piece is an advocacy for efficiency, not vilification. The passport office and persons were deliberately not mentioned. An encounter with me shouldn’t make them the fall guy. What is needed is a holistic reform, not punishing few persons for the wrongs being committed by virtually everyone in the service.
Omoshola Deji is a political and public affairs analyst. He wrote in via [email protected]
Feature/OPED
AI and Cybercrime in Nigeria: Can Weak Laws Support Strong Technology?
By Nafisat Damisa
Introduction
The proliferation of generative AI has transformed Nigeria’s cybercrime landscape, enabling deepfake fraud, automated social engineering, and AI-enhanced phishing at scale. In early 2024, scammers using AI-generated deepfake videos impersonating a company’s CFO defrauded a Hong Kong finance worker of $25.6 million. As similar threats emerge in Nigeria’s fintech sector, this article examines whether the Cybercrimes (Prohibition, Prevention, etc.) Act 2015 (as amended 2024) is legally adequate, or whether Nigeria’s evidentiary and accountability frameworks are too weak to support effective prosecution of AI-driven cybercrime
Current Legal Landscape
Nigeria’s primary legal framework on preventing cybercrime is the Cybercrimes (Prohibition, Prevention, etc.) Act 2015, amended in 2024 to address cryptocurrency transactions, cyberbullying and various forms of digital misconduct. Complementary frameworks include the National Information Technology Development Agency Act 2007, the Nigerian Data Protection Act 2023, and sectoral regulations such as the CBN’s Risk-Based Cybersecurity Framework. However, the majority of these frameworks were issued far before now, and emerging risks like AI-driven threats are not really being addressed. The Act nowhere mentions “artificial intelligence,” “algorithm,” or “autonomous system.” Notably, the National Artificial Intelligence Commission (Establishment) Bill, 2025, is currently pending before the Senate. If passed, it would establish a dedicated commission to coordinate AI strategy, research, and ethical deployment. However, the Bill in its present form focuses primarily on development and innovation promotion, with limited provisions on criminal liability, evidence handling, or enforcement against AI-facilitated cybercrime, leaving the core accountability and evidentiary gaps largely unaddressed.
AI as a Double-Edged Sword
AI paradoxically enables both defence and attack. Nigerian financial institutions deploy AI for real-time fraud detection and pattern recognition. Conversely, cybercriminals exploit generative AI for deepfake creation, automated credential stuffing, and convincing phishing tailored to Nigerian English and Pidgin. The same technology that powers fraud detection systems can be weaponised to evade them. Take justice delivery as an example, the Evidence Act 2011 (as amended 2023) admits computer-generated evidence under Section 84, but remains silent on AI’s capacity to seamlessly generate or alter electronic records, creating “doctored AI-generated evidence”. These and many more issues await Nigeria’s digital space in the coming years.
The Legal Gaps
There are multiple critical gaps that undermine AI governance. For this article, three are considered. First, no framework attributes criminal liability when an autonomous AI commits an offence. The question of whether the developer, user, or owner should bear criminal responsibility for the acts of an autonomous system remains entirely unanswered under Nigerian law, leaving prosecutors without a clear legal theory of culpability.
Second, Section 84 of the Evidence Act 2011 governs computer-generated evidence but does not address AI-generated outputs. The Act’s definition of “computer” excludes AI’s cognitive processing capabilities, creating a statutory blind spot where evidence produced by generative or autonomous systems falls outside the existing admissibility framework.
Third, Nigeria lacks any framework for mandatory AI-generated content labelling, impeding deepfake traceability. Computer-generated evidence under Section 84 of the Evidence Act 2011 remains admissible if unchallenged at trial, a dangerous precedent for AI evidence, as opposing parties may lack the technical capacity to mount any challenge at all.
Comparative Jurisdictions: Rich Laws, Tangible Results
Jurisdictions with advanced AI laws demonstrate clear outcomes. The EU AI Act (Regulation 2024/1689) mandates transparency obligations, requiring synthetic content labelling and informing individuals when interacting with AI systems; non-compliance triggers significant penalties. The US Algorithmic Accountability Act of 2023 is a proposed Act that will require impact assessments for high-risk AI systems in housing, credit, and employment, with FTC enforcement and a public repository. China implemented mandatory measures for the Identification of AI-generated (Synthetic) content. These rules, mandated by the Cyberspace Administration of China (CAC) and others, require explicit (visible labels) and implicit (watermarks/metadata) identification for all AI-generated text, images, audio, video, and virtual scenes to ensure transparency, traceability, and combat disinformation. These laws contribute to measurable results: forensic traceability, expedited prosecution of deepfake fraud, and clear liability chains. Nigeria has none of these.
Hope or Illusion?
Without legislative intervention, AI’s promise against cybercrime remains an illusion. Nigeria requires the following to boost its hope:
- Amendment of the Cybercrimes Act to include AI-specific offences and mandatory content provenance standards;
- Revision of Section 84 of the Evidence Act 2011 to address AI-generated evidence credibility, not merely admissibility;
- Investment in digital forensic capabilities is currently hampered by inadequate enforcement, weak forensic capabilities, and a lack of specialised personnel; and
- A risk-based framework drawing from EU and US models.
- Review of both secondary and tertiary education curricula to address the knowledge gap in AI and prepare the next generation for the AI-driven future.
Conclusion
AI can help curb cybercrime in Nigeria, but only if legal capacity catches up with technical capability. The Cybercrimes Act 2024 amendments were a step forward, but they did not address AI accountability, algorithmic transparency, or evidentiary credibility. The pending National Artificial Intelligence Commission Bill, 2025, signals legislative awareness, but without substantive provisions on liability, evidence, and enforcement, it cannot fill the existing gaps. The effectiveness of existing frameworks remains a question. An optimistic but cautious path exists, but until Nigeria enacts AI-specific legislation, whether through amending the Cybercrimes Act, revising the Evidence Act, or strengthening the pending Bill, weak laws will remain unable to support strong technology.
Nafisat Damisa is a Legal Research Associate in Olives and Candles – Legal Practitioners. For further information, enquiries, or clarification, please contact Nafisat via: [email protected] or [email protected]
Feature/OPED
Before Oil Hits $150: A Warning Nigeria Cannot Ignore
By Isah Kamisu Madachi
As of April 30, 2026, the crude price is said to have reached $125 in the global market. The all-time high price per barrel was recorded in 2008, when it surged to $147. It is obvious that the price is heading in that direction or even towards what experts have predicted — crude reaching a new all-time high of $150 in the near future if crude passages remain closed in the Middle East, which would ultimately come with several disproportionate challenges for businesses and households.
In Nigeria, what began as a mild adjustment in the price of gasoline and other refined crude products has not stopped anywhere until it reached N1,400 per litre of petrol at filling stations. When the price was surging, experts in energy, economics, marketing, business and other relevant fields tried to come up with explanations for how Nigeria, despite housing the largest petrochemicals refinery in Africa and being one of the largest oil-exporting countries on the continent, would continue to absorb this shock.
Despite our advantages, Nigeria recorded the world’s second-highest surge in petrol prices following the escalating geopolitical tension in the Middle East. In Africa, Nigeria has the highest spike, with many sources citing it at 39.5% and above. Even non-oil-producing countries in Africa, and countries that do not refine a drop of oil, did not experience this surge. Also, African countries like South Africa at 1%, Morocco at 2.1%, and Tanzania at 2.7% experienced far smaller increases that are nowhere near Nigeria’s.
To put it in context, South Korea, Japan, and China are among the foremost dependents on the Strait of Hormuz, whose closure escalated the crude price, but none of these countries has recorded even a 20% increase in their petrol prices. Nigeria does not import its crude through the Strait of Hormuz. Yet, as an oil-exporting nation, we have suffered some of the sharpest petrol price increases in Africa.
What went wrong in Nigeria to warrant this surge is not the primary focus of this piece. What lies ahead is. As a result of the increase in petrol prices, Nigerians have been disproportionately affected. Life has become unbearably difficult, with sharp increases in transportation costs, rising food prices, and higher costs of goods and services. Even charging points that used to collect N150 for charging a phone or battery now charge N300 or more.
As it stands, the gap between the current crude price and the predicted new all-time high is about $25. This means that if the passages continue to remain closed, we are not far from another historic price peak. It is even said that reopening the passages may not immediately stabilise prices, as crude tankers would still take time to reach their destinations.
What this means for Nigeria is another sharp increase in refined petroleum product prices, which could trigger another wave of stagflation. Already struggling, Nigerians do not deserve this. They are only just adapting to the post-subsidy era, yet are being hit again by another round of global geopolitical tensions. Many are already in deep energy poverty, with businesses struggling due to unstable electricity supply.
Therefore, as crude oil prices hover above $125 per barrel and threaten to reach the predicted $150 if disruptions in the Strait of Hormuz persist, Nigeria must act decisively to shield its citizens. The Dangote Refinery exists. Nigeria refines oil. What the federal government owes Nigerians at this point is a deliberate policy decision to make that the refinery serve domestic needs first, with pricing that does not mirror whatever is happening in the global market. That is not complicated; other oil-producing countries do exactly this.
The NMDPRA has the authority to act on this. The question is whether there is a political will to act before another price wave hits and Nigerians are once again left to absorb what their counterparts elsewhere never have to.
Sub-national governments also have something to do. Commercial motorcyclists and small business owners are the people who feel every petrol price increase the hardest and the fastest. Pushing CNG and LPG adoption among this group beyond the FCT and Lagos, with genuine support, would cushion a significant part of the next shock. Expanding solar access in underserved communities would do the same. A shop owner running on solar is not at the mercy of the next diesel price spike.
These solutions are quite feasible. Nigeria has attempted versions of them before. Where we often seem to get it wrong is in execution, and Nigeria has to treat this with the same urgency and seriousness as given to elections, for the well-being of its citizens. The only thing that has never matched the problem is the seriousness of the response.
Isah Kamisu Madachi is a policy analyst and development practitioner. He writes via [email protected]
Feature/OPED
A Simple Guide to Obtaining Pension Clearance Certificate in Nigeria
By Gbolahan Oluyemi
In 2025, the National Pension Commission (PenCom) directed all Licensed Pension Fund Operators (LPFOs) to demand a Pension Clearance Certificate (PCC) from service providers before engaging their services. This new policy typically affects various types of entities, including small and medium-scale enterprises, most of which are not usually compliance-driven. Following this directive, the PCC has become an essential compliance document for both large, medium and small-scale firms. This article provides a guide on what a PCC is, why it matters, and how it can be obtained.
What is a Pension Clearance Certificate (PCC)?
A Pension Clearance Certificate (PCC) is an official document issued by PenCom confirming that an organisation has complied with the provisions of the Pension Reform Act. It is an annual document that must be renewed every year at no cost. The yearly renewal is intended to ensure that organisations treat compliance as a continuous activity rather than a one-off act.
Why is a PCC Important?
The PCC is important because it demonstrates that an organisation is compliant with the provisions of the Pension Reform Act, especially as it relates to employee pension contributions under Section 4 (1) of the Pension Reform Act and subscription to group life insurance under Section 4 (5) of the Pension Reform Act. It is also required for certain transactions, such as government contracts and engagements with compliance-sensitive partners. In essence, a PCC assures investors, partners, and clients that your business is properly structured and compliant with regulatory requirements.
Who Needs a Pension Clearance Certificate?
Under Nigerian law, companies with three or more employees are required to participate in the Contributory Pension Scheme (CPS). If your organisation employs at least three staff members and provides or intends to provide services to Licensed Pension Fund Operators (LPFOs) or other regulated entities, you are expected to obtain a PCC annually.
How Do I Obtain a PCC?
PenCom issues the PCC electronically and at no cost through its web portal: https://pcc.pencom.gov.ng/. Please note that Applicants who are just beginning compliance and remitting employees’ pensions are required to first obtain an employer code from a Pension Fund Administrator (PFA). This code is necessary to initiate the PCC application on the PenCom portal.
Upon logging into the portal, you will be required to complete your company profile by providing your date of incorporation, contact details, and website (if applicable), as well as uploading your CAC documents.
Next, you will upload an Excel schedule (using the template provided on the website) containing your employee list. After this, you will be required to upload Excel sheets detailing pension contributions. You will also need to upload your organisation’s group life insurance documentation and payment instrument.
Finally, you will review your application and submit it for further processing by PenCom. Before commencing an application, ensure you have the following:
- Certificate of Incorporation (CAC documents)
- Group Life Insurance Policy for employees
- Evidence of Pension Fund Administrator (PFA) registration for employees
- Three years’ proof of monthly pension remittances, including penalties for any defaults (where applicable). For companies less than three years old, provide proof of remittances from the date of incorporation
- A valid Tax Identification Number (TIN)
- An employee schedule showing staff details and contributions (usually in Excel format) Templates are available on the PenCom portal
Also note that for the portal to accept employee details and remittance records, employees must have completed their data capture with their respective Pension Fund Administrator and updated their records to reflect their current employer.
Conclusion
Obtaining a Pension Clearance Certificate in Nigeria may seem technical at first, but once proper processes are established, it becomes routine. The key is consistency in remittance, maintenance of accurate records and prioritisation of compliance in overall operations.
For many Nigerian businesses, the PCC is more than a regulatory requirement; it is a mark of credibility. In a competitive environment, that credibility can make all the difference.
Gbolahan Oluyemi is a Legal Practitioner and currently leads Olives and Candles – Legal Practitioners. For further information, enquiries, or clarification, please contact Gbolahan via: [email protected] or [email protected]
-
Feature/OPED6 years agoDavos was Different this year
-
Travel/Tourism10 years ago
Lagos Seals Western Lodge Hotel In Ikorodu
-
Showbiz3 years agoEstranged Lover Releases Videos of Empress Njamah Bathing
-
Banking8 years agoSort Codes of GTBank Branches in Nigeria
-
Economy3 years agoSubsidy Removal: CNG at N130 Per Litre Cheaper Than Petrol—IPMAN
-
Banking3 years agoSort Codes of UBA Branches in Nigeria
-
Banking3 years agoFirst Bank Announces Planned Downtime
-
Sports3 years agoHighest Paid Nigerian Footballer – How Much Do Nigerian Footballers Earn
