Feature/OPED
How Artificial Intelligence is Changing the World of Finance and Investing

By FBNQuest
Artificial Intelligence (AI) is a popular trend these days, but it seems so abstract that it is easy to assume only people savvy with technology should be concerned about it. This is far from the truth.
AI is expected to add $13 trillion to the global economy within the next decade. It is helping to make the world a faster and smarter place, so every savvy investor and wealth collector needs to pay attention to it. AI is not a passing trend that will one day become popular, rather it is at the centre of every leading industry in the world today.
American computer scientist, John McCarthy, who was also one of the founders of the discipline of artificial intelligence, defined AI as “the science and engineering of making intelligent machines, especially intelligent computer programs. It is related to the similar task of using computers to understand human intelligence.”
This means that the goal of AI is to create machines that think and act like humans and use human intelligence to solve problems and perform tasks that are ordinarily done by people but in a more efficient manner. Machine learning is the most popular branch of AI at this time and it simply means the creation of systems that can learn from their experiences and data gathered without human intervention.
AI is already a part of our everyday lives. We use it when we check emails while shopping online and for ease of connection with our friends and family on social media. Google uses AI to predict what you want to search for online and finishes your sentences for you. Also, when you get directions to a venue with your digital maps, you are using AI.
It is, therefore, evident that, just as AI has changed our daily lives, it will also change how we do business, manage finances and invest wealth. Investment expert and prominent member of the “Shark Tank” team, Mark Cuban, said, “As big as PCs were an impact, as big as the internet was, AI is just going to dwarf it. And if you don’t understand it, you’re going to fall behind. Particularly if you run a business.”
The financial world has evolved and developed smart solutions to keep up with the unique needs of consumers in the digital age. Here are a few ways that AI has changed and is changing the world of finance and investing:
Fraud prevention
Technology is currently being used to spot credit card fraud and money laundering by monitoring large deposits and unusual activity. Money can be moved around very quickly online and this has caused an increase in fraud. AI-based systems can now analyse normal customer behaviour and quickly detect when something is out of the ordinary.
Data-driven investments
AI applications are used to regulate the supply, demand, and pricing of securities. They are also able to accurately predict stock performance by analyzing past data. Furthermore, AI systems can provide more personalized investment options by taking into account the investor’s goals, and previous financial habits.
Personal banking
Personal banking applications are also a product of AI and they are used to provide customized services to the consumer at the touch of a button. Customers no longer need to go to the physical bank branch to carry out routine tasks such as checking balance, requesting statements and monitoring account activity.
Increased accuracy in financial markets
AI is transforming the financial markets by ensuring increased accuracy in analysis, predictions and trading decisions. Smart advisers in the stock market can analyze a massive amount of data and carry out trades at a satisfactory price. Also, the National Association of Securities Dealers Automated Quotations (NASDAQ) is using artificial intelligence to detect irregular and potentially malicious trading activity on the U.S. stock market. In the area of forex, AI has brought massive improvement through predictive analytics programmes which identify market patterns and make fewer errors in processing data.
There’s no denying that AI has brought disruptions to the world of finance and investing. The landscape is changing rapidly and both financial organizations and their customers will need to adjust accordingly. However, it is safe to say that the improvements already brought on by AI have made this change something we can look forward to rather than dread.
Feature/OPED
The Challenge Facing 95% of IT Leaders as Regards AI Agents; How to Overcome it

By Linda Saunders
Generative AI has transformed how people interact with technology through prompts, and the next frontier promises an even greater impact. As organisations refine their AI strategies, we are witnessing the next chapter of work and the emergence of digital labour with agentic AI.
Since the launch of Chat GPT many business leaders focused on what they thought was the right topic – the Large Language Models ( LLMs). But these models are quickly becoming a commodity, as each one races to build the best for a specific use case.
To truly unlock value from AI, you need to focus on everything around the model such as the orchestration, the low code / no code approach to building and refining, the metadata framework and a data engine that compliments the data strategy. It’s this platform advantage that is seeing agents across the globe stand up and deliver value with real data, leveraging real integration in a few short weeks.
To unlock the action and value of generative AI requires a deeply integrated and connected platform with a one code base, but this takes significant time and money to build unless you have already been empowering your human employees on the Salesforce platform. Our platform leverages everything you have built to empower your digital workforce. Its a win-win where even for those who are not quite ready for a digital workforce – will be unlocking their ability to pivot to an agentic workforce with every flow, cloud, integration and build – Ultimately future proofing their business.
Agentic technology is a multi-trillion-dollar industry opportunity. The agentic enterprise will operate with unprecedented independence capable of responding to queries and handling complex tasks autonomously. This autonomy will optimise workflows, drive innovation, and break down barriers related to the need for continuous human intervention.
By 2028, Gartner predicts that 33% of enterprise software applications will include agentic AI, up from less than 1% in 2024, allowing 15% of day-to-day work decisions to be made autonomously.
Yet, AI agents are only as good as the data they have. They need connected data—both structured and unstructured—to understand user queries and make informed decisions. That’s where integration and APIs come in, building a solid foundation for these agents.
While 93% of IT leaders are either implementing or planning to implement AI agents within the next two years, they face significant integration challenges that hold back the full potential of these agents.
According to the latest MuleSoft Connectivity Benchmark Report, which surveyed more than 1,000 IT leaders globally, 95% struggle with data integration across systems. On average, only 29% of applications are connected, which really affects the accuracy and usefulness of AI agents.
The report found that, on average, enterprise organisations are using 897 applications, and those with AI agents are using even more—1,103 applications. 90% of IT leaders say data silos are creating business challenges.
The more applications and AI models there are, the harder it gets to integrate everything. Data silos make it even tougher, limiting agents’ access to the data they need and leading to less accurate and useful outputs.
Disconnected data also places major strain on IT resources. IT leaders are looking for ways to boost efficiency and productivity, but they expect their teams’ workload to increase in the next year. Balancing current capabilities with integrating AI agents across hundreds of unique applications while maintaining those systems, is a real challenge.
To unlock the full potential of AI agents, businesses need to align their integration and AI strategies. APIs and integration solutions can simplify and unify data infrastructure, allowing AI agents to access critical data and interact with existing systems and automations. This can significantly improve IT infrastructure, enable data sharing across teams, and integrate disparate systems.
Organisations that have successfully integrated their data and systems using APIs are reaping the rewards: increased productivity (49%), faster response to business needs (49%), and higher revenue generation (45%). On average, half of an organisation’s internal software assets and components are available for reuse, which means companies can leverage their existing investments, instead of starting from scratch.
The reliance on IT teams highlights the need for a clear automation strategy, along with robust governance and monitoring to ensure everything runs smoothly and securely.
A well-rounded automation strategy is crucial for integrating AI effectively, but many teams are still working on theirs. One key part of this strategy is making AI accessible to non-technical users, which is essential for broader adoption and creating a solid foundation for employees to build on, and this is where agents are changing the game.
Every company, team, and employee will soon have an agent. But how useful is a team of agents if they can’t interact with other systems or agents to coordinate and take action across the entire business? AI must have a smooth handoff to a human, and if that transition isn’t well-coordinated and seamless, any benefits are quickly undone
As AI, integration, automation, and API use continue to drive transformation and performance, organisations that invest in these technologies to harness unlimited digital labour are best placed to stay agile, efficient, and ultimately succeed.
Linda Saunders is the country leader and senior director solutions engineering Africa at Salesforce
Feature/OPED
Beyond the Grip of Godfathers in Nigeria’s Politics

By Kayode Awojobi
Democracy, by its very definition, is a government of the people, by the people, and for the people. It is a system built on the principles of popular participation, accountability, and governance that reflects the collective will of the electorate.
However, in Nigeria, democracy often takes on a different meaning—one in which a few powerful individuals wield enormous influence over the political process. This phenomenon, commonly referred to as godfatherism, has become an entrenched feature of the country’s political landscape.
The role of political godfathers in Nigeria is complex and often divisive. While some view them as experienced mentors who provide guidance and structure within the political system, others see them as power brokers who prioritize personal gain over the collective good.
Godfathers serve as kingmakers, using their resources and influence to propel candidates into office. Yet, once these candidates assume power, they are often expected to remain loyal to their benefactors, a reality that frequently leads to governance dictated by the interests of a select few rather than the needs of the people.
The influence of godfatherism is not an abstract concept but a lived reality that has shaped political developments in several states across Nigeria.
In Osun State, for instance, the fallout between former Governor Gboyega Oyetola and his predecessor, Rauf Aregbesola, underscored the fragile nature of godfather-protégé relationships.
Initially handpicked as a successor, Oyetola later distanced himself from Aregbesola’s influence, leading to a fierce political battle that ultimately contributed to his loss at the polls.
Similarly, in Oyo State, Governor Seyi Makinde has had to navigate tensions within the Peoples Democratic Party (PDP), where certain political figures who played a role in his rise to power later accused him of abandoning party structures.
Perhaps one of the most well-documented cases of political godfatherism in recent years was the dramatic conflict in Edo State between Governor Godwin Obaseki and his former benefactor, Adams Oshiomhole.
Oshiomhole, who had championed Obaseki’s election in 2016, later fell out with him over governance and party control. This dispute culminated in Obaseki’s disqualification from seeking re-election under the All Progressives Congress (APC), forcing him to defect to the Peoples Democratic Party (PDP), where he secured a second term in office. The episode highlighted the extent to which political godfathers expect loyalty from those they help install, often leading to bitter confrontations when protégés seek independence.
In Rivers State, a similar dynamic is playing out between Governor Siminalayi Fubara and his predecessor, Nyesom Wike.
Wike, whose influence was instrumental in Fubara’s emergence as governor, has been accused of attempting to control the new administration from behind the scenes. The power struggle has resulted in political unrest, including an attempt to impeach Fubara and the defection of several lawmakers loyal to Wike.
The situation escalated to the point where President Bola Tinubu declared a state of emergency in Rivers State, suspending Governor Fubara, his deputy Ngozi Odu, and all elected members of the state House of Assembly for six months. Retired Vice Admiral Ibok-Ette Ibas was appointed as the state’s administrator to oversee governance.
This further reinforces the argument that political godfathers, rather than serving as stabilizing forces in governance, often become sources of crisis when their influence is challenged.
To be sure, political mentorship is not inherently a negative concept. In well-functioning democracies, experienced politicians often guide emerging leaders, offering advice and leveraging their networks to ensure effective governance.
However, the Nigerian brand of godfatherism is rarely about mentorship in the true sense of the word. Instead, it is largely about control, an arrangement where those who ascend to political office must remain subservient to their benefactors. This practice undermines democracy by limiting political choices, suppressing independent leadership, and reducing accountability to the electorate.
The continued dominance of godfathers in Nigerian politics raises a critical question: should a few individuals determine the fate of millions, or should the democratic process be allowed to run its course?
Proponents of godfatherism argue that it provides stability, ensures continuity, and helps navigate the complex terrain of Nigerian politics. They contend that without the financial and structural backing of political godfathers, many candidates, especially those without deep pockets, would struggle to compete in elections. In this sense, godfatherism is viewed as a necessary evil in a system where political survival often depends on strong backing.
On the other hand, critics argue that the culture of godfatherism erodes the foundations of democracy, replacing meritocracy with patronage. When candidates owe their political success to an individual rather than the electorate, they are more likely to prioritize the interests of their benefactor over those of the people.
This reality has played out time and again, with governors and other public officials making appointments and policy decisions that serve their godfathers rather than their constituents. The result is governance that is often disconnected from the real needs of the populace.
If Nigeria’s democracy is to mature, there must be a shift from the current model of political patronage to one that prioritizes competence, transparency, and true service to the people. The electorate must become more discerning, resisting the imposition of candidates whose loyalty lies elsewhere. Political parties, too, must work toward greater internal democracy, ensuring that primaries and candidate selections are based on merit rather than the dictates of a few powerful individuals.
The experiences of other nations provide valuable lessons. In South Africa, Nelson Mandela, despite his towering influence, stepped aside to allow new leaders to emerge, ensuring that democracy remained intact beyond his tenure. In the United States, political mentorship exists, but power is not concentrated in the hands of a select few who dictate governance from behind the scenes. These examples suggest that it is possible to balance political influence with democratic principles.
Nigerian political godfathers must rethink their roles. Rather than seeing themselves as puppet masters, they should position themselves as genuine mentors, guiding younger politicians without stifling their independence. They should invest in institutions rather than individuals, ensuring that governance structures remain strong regardless of who is in power.
Ultimately, the power to end the stranglehold of godfatherism lies with the people. The electorate must recognize that their votes are their most potent tool for shaping the future of governance. If voters reject candidates imposed by godfathers and insist on accountability, the culture of political subservience will gradually diminish. Democracy thrives when the will of the people is supreme, not when a handful of individuals determine the political direction of an entire nation.
As Nigeria looks toward future elections, the conversation around godfatherism must shift. It is time to move beyond the era of political overlords dictating governance from the shadows.
The country must embrace a system where leadership is earned, not handed down; where politicians serve the people, not a select few; and where democracy is truly of the people, by the people, and for the people.
Kayode Awojobi is a multiple award-winning broadcast journalist, social and political commentator. He writes from Ago-Iwoye, Ogun State
Feature/OPED
PR Nightmares: Why Your Client Should Never Find Negative News Before You Do

Who will save PR professionals from the negative news nightmare? Before I get into this, let us set the scene. Imagine this: You are a PR professional, swamped with idea conceptualization, media engagements, stakeholder engagement, press releases, client approvals, and a never-ending to-do list. Suddenly, a message pops up from your client:
“Hey, did you see this negative news about us?”
Your heart skips a beat. Your face? A mix of confusion and dread. You check your media monitoring alerts—nothing. You scramble through Google—there it is. And then it hits you: your client found this before you did. The unspoken words in that message?
“Aren’t you supposed to be on top of this?”
Now, before you hang me for stating the obvious, let me explain.
I have spent over a decade working with multiple media monitoring tools—some great, some just there, and some that make you question life choices. And let me tell you, no tool is built to single-handedly protect PR professionals from one of their worst nightmares: missing negative news before the boss or client finds it first. Don’t get me wrong—automated media monitoring tools do what they were designed to do. They churn out reports, track keyword mentions, and alert you when your brand name pops up somewhere. But they don’t think. They don’t prioritize what truly matters in near real-time. And if you work in PR, you know that one missed crisis can undo months—even years—of hard work.
Here is where human-curated media monitoring comes in. This isn’t about throwing away your monitoring tool—it is about adding brains to the machine. Human analysts sit behind these tools, filtering through the noise, spotting what really matters, and making sure the most critical updates land on your desk before your client or boss finds them. It is not just about negative news. Human-curated services catch things automated tools often miss—like a journalist misspelling your CEO’s name, your logo being used incorrectly, or a miscaptioned photo that could cause PR damage. An algorithm won’t flag these nuances, but a trained analyst will. And that is the difference between knowing about a problem and managing it before it spirals into a full-blown crisis.
One of the worst situations I have seen? A client forwarding negative news to their PR agency before the agency had even caught wind of it. Now, we all know the unspoken words that follow when that happens:
“This doesn’t look good for you.”
It is enough to make you break out in a cold sweat! The real issue here isn’t just the tool you are using; it is about how that tool is supported by human intelligence. No media monitoring tool currently on the market filters out just the negative news and plants it right in front of your face. They all do the same thing: send you alerts about your brand stories, whether positive, negative, neutral, or balanced. The tools, after all, were programmed to work this way, and it is not their fault. The pain point arises when PR pros have to sift through all that noise to get to what really matters.
Let me share a personal experience. During my first competitive pitch as the founder of P+ Measurement Services , we were invited to pitch to a well-known tobacco company. Now, there were three other agencies competing—one local and two international media monitoring agencies. Yes, we won that pitch, and the feedback was humbling. The client said,
“We are looking for an agency that will be humanly responsible to keep an eye on our brand in the media as our media watchdog and provide us with local media intelligence to drive our communications and PR engagement.”
Fast forward seven years, and we are still providing that service to the same client and more. What was the differentiator? We used tools, yes, but it was the human support behind the tools that provided invaluable media monitoring, intelligence, and analytics.
Beyond just detecting negative news, these human analysts can identify subtle nuances that automated tools often miss—like spelling errors in a brand’s name, the incorrect use of a CEO’s image, a miscaptioned photo, or even the wrong logo used in a major publication. Imagine the embarrassment when your boss flags a wrong spelling of the company name, and you, the PR professional, missed it. The automated tools are not designed to catch these kinds of errors, and it is unfair to blame them when they don’t. But human-curated services? They go above and beyond to ensure these mistakes are flagged and addressed before they turn into PR disasters.
So, the next time you are reviewing your PR budget to include media monitoring, ask yourself:
- Who will make my job easier—just a media monitoring tool or a media intelligence partner that ensures I sleep better at night?
- Who will I hold accountable if a negative story slips through the cracks while I am in function or having my lunch or a dinner with my spouse?
- Will a tool catch that tiny but costly brand name error before my boss does?
- When a crisis brews, do I want automated alerts—or real intelligence that helps me act fast?
The choice is clear. While AI and automation are great, human intelligence is what truly saves PR professionals from their worst nightmares.
And trust me, in this industry, peace of mind is priceless.
Philip Odiakose is a leader and advocate of public relations monitoring, measurement, evaluation and intelligence in Africa. He is also the Chief Media Analyst at P+ Measurement Services, a member of AMEC, NIPR, AMCRON, ACIOM and Founding Member of AMEC Lab Initiative
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