Feature/OPED
Election, Debate and the Need for Attitudinal Change
By Omoshola Deji
Debate is a vital, far-reaching and inexpensive means of campaigning and earning the voters admiration before election. It is identical to an interview session wherein the employer (electorates) assess the job seekers (contestants) suitability for the job. In developed nations, candidates save debate dates and prioritize attendance over other political activities or duties. Participating in debates is not based on self-determined conditions or wish. It is an essential responsibility. Absence at debates is a political suicide that can break the backbone of a candidate’s political career or end it. In such climes, reeling out manifestoes, the implementation methodology and facing public scrutiny is not construed as rendering favour to the people, but a solicitation of it. The reverse is the case in Nigeria.
After returning to democratic rule in 1999, our political consciousness has increased, but our political culture remains undeveloped. On political consciousness, individuals were once upon a time begged to contest for top political offices, but people now struggle hard to become Councillors. Lagging behind, our political culture has not developed swiftly as the consciousness. Candidates still discount political debates since participation and performance are inconsequential on election results. The electorates are responsible for this. Top on most persons’ candidate suitability checklist is ethno-religious connection and political affiliation. Debate and manifesto assessment is rated unimportant. This emboldens candidates, especially that of the dominant parties to dishonour debate invites. Such is the case witnessed at the just concluded Presidential debate organized by the Broadcasting Organizations of Nigeria (BON) and the Nigeria Elections Debate Group (NEDG).
Five presidential candidates, out of over seventy, were opaquely selected to debate. The five selected candidates are Obi Ezekwesili of the Allied Congress Party of Nigeria (ACPN), Fela Durotoye of the Alliance for New Nigeria (ANN), Muhammadu Buhari of the All Progressives Congress (APC), Atiku Abubakar of the People’s Democratic Party (PDP), and Kinsley Moghalu of the Young Progressive Party (YPP). Ezekwesili, Durotoye and Moghalu turned up for the debate, Atiku put in an appearance, but declined participating, in fulfilment of his earlier alert that he would not participate if Buhari does not show up.
Atiku’s refusal to debate diminished the admiration his visit to the United States earned him. Nigerians were initially impressed he returned from the US few hours to the debate and made it to the venue on time. His inner circle and political strategists miskicked the ball when they made Buhari’s decision determine their action. Atiku contends that he withdrew from the debate because Buhari “who is at the helm of affairs of the nation is not present to defend himself or his policies”. This argument holds no water. What if Buhari is a first term contestant and not an incumbent seeking re-election?
Atiku shouldn’t have stormed out of the debate without participating. His action mirrors an applicant excluding himself from a job interview because a particular candidate is not present. Such action will, almost certainly, not earn the applicant the job. In this case, Atiku had the confidence to act in such manner because the employer (the electorates) has not made debating a winning determinant like the other employers in developed nations. Avoiding the debate because Buhari is absent is a disregard to the Nigerian populace who have stayed tuned to hear how Atiku intends to ‘get Nigeria working again’. It is also an unnecessary attack on Buhari’s right of choice. Buhari’s absence shouldn’t make Atiku desist from presenting his policies to the populace. Atiku took such action because non-participation in debates has no effect on electoral votes.
Atiku’s seems to have acted based on concerns other than Buhari’s absence. He apparently left to avoid being humiliated by other candidates. He may also consider debating with presidential candidates who can’t earn half a million votes a waste of time and disrepute to his person. Such reasoning and ego is prevalent in our polity. Moghalu, Ezekwesili and Durotoye’s weak political structure humbled them to participate. They would have most likely behaved like Atiku or Buhari if they were in their shoes.
Nonetheless, it is un-presidential for a president not to attend a presidential debate. Buhari lost a golden opportunity to convince Nigerians that he is fit to continue being President. Avowing that busy official and political schedules clashed with the debate is an untenable excuse, especially when many people are casting doubt on his mental ability and had predicted his non-participation.
Defending Buhari’s absence is encouraging wrongdoing. Shuttling the country to campaign is good, but debating is a better means of reaching more people, including the electorates, Nigerians in diaspora, and the international community. Other programs should have been postponed if the President considers it important to take part in the debate. If it were to be his personal electoral duties such as the submission of nomination form, collection of return certificate, or swearing-in ceremony, would he be absent?
The APC and Buhari’s inner circle allegedly prevented him from participating in the debate in order not to further expose his intelligence deficiency. The Aso Rock cabal is handling Buhari like the late President Yar’Adua. They are encouraging him to stay in office despite being aware of his deteriorating health. One can only pray that Buhari doesn’t end like Yar’Adua because of the greed of a few persons. Buhari means well, but his ability to function effectively can’t increase, it will decrease further as he aged.
Atiku unrelentingly challenging Buhari to debate – and the President’s abysmal performance at public functions lately – made his team prevent him from attending the debate. This decision is irrational, but wise. Buhari lacks communication skills and the ability to speak on crucial issues offhand. He would have probably made a mockery of himself if he had debated with persons like Moghalu and Ezekwesili.
Aside Buhari and Atiku, Presidential candidates will continue to boycott debates because majority of the voting population don’t cherish or know the importance of debates. The real Nigerian voters are largely the less educated people comprising of artisans, traders and thugs who neither watch television nor surf the web. Most of those clamouring for debate are the (social media) elites who do not have a voter’s card. As long as this trend persists, candidates will continue to shun debates and rather rely on handing out freebies and stomach infrastructure to win elections.
The three candidates respected Nigerians by participating in the debate, but Nigerians won’t reward them with their votes. Debate and brilliancy don’t win elections in Nigeria, political structure and financial strengths do. Moghalu performed better than Ezekwesili and Durotoye, but the three are all winners, the losers are the absentees – Buhari and Atiku. But then, the obvious truth is that one of the absentees will eventually win the election. Other political parties are too syndicated or ethnic fixated to win presidential election in a plural nation like Nigeria. The less dominant parties must unite into a strong force, if they wish to beat the APC and PDP in 2023. 2019 Presidency belongs to either APC or PDP.
Nevertheless, Nigerians need a robust party other than the dominant APC and PDP. The difference between both parties is that between six and half-dozen. Castigating one for the other is a waste of time as none of them can transform Nigeria.
We must also abolish all the socio-political anomalies that breed inefficiency. Anomalies have turned Nigeria into the Durkheim (1893) propounded state of anomie. If civil servants retire when they’re sexagenarian, why should a septuagenarian contest for President? If Nigerian graduates needs to serve the nation for one year before they can secure government jobs, why should school certificate be the minimum academic requirement to become President? So long as this anomaly remains unrectified, the less credible and incompetent ones would continue to occupy crucial leadership positions. The debilitating effect is a continuous rise in the political consciousness to grab power, and a political culture that accommodates underdevelopment, poverty and inefficiency.
Political Scientists need to further research factors that’ll compel candidates to participate in debates. Measures such as tackling illiteracy, encouraging political participation, and initiating a robust voter education exercise will improve Nigerians ability to assess candidate’s competence via debates. The ability to take decisions without primordial sentiments will usher in a high political standard that’ll transform the political culture. Attitudinal change is urgently needed to sanitize the monetized political system and redefine the rules guiding the conducts of elections and debates.
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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