Feature/OPED
Tobacco Harm Reduction: The Imperative for Alternatives
By Olufisayo Adeoti
There are concerns the world over about the health effects of tobacco, which is mostly consumed by smoking cigarettes, cigars or pipes.
In January 2021, the company, Johnson & Johnson Consumer Health, donated nicotine patches worth $800,000 to Jordan to help the country in its efforts to lower smoking rates. The donation was received by the country’s ministry of health.
This was after the public health groups sounded the alarm on the prevalence of smoking among Jordanian citizens as Jordan became the country with the highest smoking rate in the world. A government study carried out in 2019 in collaboration with the World Health Organisation (WHO) revealed that eight out of every 10 Jordanian men smoked or regularly used nicotine products.
The WHO Representative for Jordan, Maria Cristina Profili, in response to the donation stated; “We are grateful for this donation which builds on WHO’s existing efforts and a comprehensive programme to fight tobacco control in Jordan. The nicotine replacement therapy will help thousands of people in Jordan quit tobacco and lead a healthier life.”
But still, WHO and several public health organisations maintain a prohibitionist approach toward tobacco harm reduction. Their position is that smokers must quit the habit or face the consequences of death or a myriad of health complications.
Agreed, quitting is the best option for smokers but what alternative choices or reduced risk products are available to consumers who cannot or do not want to quit?
A growing number of public health experts believe that providing less risky tobacco or nicotine products will achieve the same objective of reducing the health effects of smoking tobacco and in some instances help smokers quit. These experts in many ways are the proponents of Tobacco Harm Reduction.
In a statement by Professor David Nutt of Imperial College London, published by Counterfactual, where he urged WHO leadership to launch a comprehensive rethink of its approach to tobacco control, he says about alternative products: “There is no real scientific doubt that these smoke-free products are much safer than smoking and that they can help smokers quit. So we should be working hard to make that happen”
Tobacco Harm Reduction (THR) is a public health solution. The argument is that the harmful effect of tobacco is predominantly caused by the way it is consumed – smoking, but if the element of combustion (smoking) is removed and consumers are provided with less risky or alternative ways to consume tobacco or nicotine, then the public health concern on the health impact of tobacco is reduced.
Increasingly, proponents of THR are revealing success stories. A significant number of these stories or acceptance of THR is from developed economies and hopefully, it will begin to gain acceptance in less developed ones.
For instance, in the United Kingdom (UK), tobacco harm reduction within a regulated framework, encouraging smokers to use non-combustible tobacco or nicotine products, is supported by the UK government and most of the public health communities.
The National Institute for Health and Care Excellence (NICE) which issues evidence-based guidance on the most effective ways to prevent, diagnose and treat diseases and ill health published guidance on tobacco harm reduction. The guidance recognizes that quitting smoking is always the best option for smokers but it supports the use of licensed nicotine-containing products (NCPs) to help smokers not currently able to quit to cut down and as a substitute for smoking.
Public Health England (PHE) also published an independent evidence review on electronic cigarettes which concluded that the devices are significantly less harmful than smoking.
Furthermore, in the United States of America (USA), the food and drug administration (FDA) has begun to license alternative products as “modified risk tobacco product.”
Sweden has long been considered by keen industry observers as a trailblazer in cutting down smoking rates among men. But their strategy was the use of reduced risk tobacco products like snus. Snus is a nicotine pouch that a lot of smokers have switched to over the years. It enables smokers who are unable or unwilling to quit to enjoy nicotine without having to contend with the dangerous substances that accompany combustible tobacco products.
In December 2020, Frost & Sullivan, a consulting firm that is world-renowned for its role in helping investors, corporate leaders and governments navigate economic changes and identify disruptive technologies, megatrends, and new business models reported that Japan had recorded a 34% drop in sales of cigarettes between 2015 and 2019 (attributing this decline to the availability of non-combustible, reduced risks products, mainly heated tobacco products (HTP). The report supports the position that the availability of non-combustible alternatives, less risky options is crucial for any society to achieve a decline in smoking among its citizens.
While the proponents of tobacco harm reduction have always called for the availability of alternative products, the response of WHO to the aforementioned donation of nicotine patches to Jordan would seem to lend credence to this notion as it openly celebrated the provision and availability of alternative products, reduced risk options to cigarettes.
It is imperative we develop a balanced approach in our polity. In seeking a drop in smoking rates in Nigeria or across Africa, what strategies do the relevant health authorities and regulatory agencies have? What is their stance on tobacco harm reduction (THR) and reduced risk alternative products?
How well do they understand THR? What independent researches and studies are they undertaking to improve their knowledge and understanding to enable an objective appraisal of this concept?
If the ultimate goal is to achieve a decline in smoking rates and reduce the adverse health impact of tobacco, evidence from countries that are succeeding continues to show that tobacco harm reduction must be pursued as a public health solution despite or in addition to ongoing smoking cessation initiatives.
Nigeria, as with other African countries (particularly in Sub-Saharan Africa), must institute robust dialogues and engagements with all relevant stakeholders to formulate effective policies and guidelines for the availability and use of reduced risk products.
Policies enacted on scientific evidence and the rights of consumers to have access to these products are not just essential but is a crucial step to reduce smoking rates and the health impact of combustible tobacco products.
Leaving things the way they are will have limited impact on the reduction of smoking incidence and will not help the government to achieve swiftly the public policy objectives of reducing the health risks associated with combustible tobacco.
Olufisayo Adeoti sent this piece from Lagos
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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