By Aduragbemi Omiyale

To facilitate faster, simpler, and more intelligent app building, Zoho Corporation has launched new services and features within its low-code application development platform, Zoho Creator.

The new Artificial Intelligence (AI) assistant, CoCreator, can be used to build applications by using voice and written prompts, process flows and business specification documents.

In a statement to Business Post on Monday, the global technology company said this milestone reflects its commitment to investing in AI capabilities that offer real-time, practical, and secure advantages to business users.

Powered by Zia, CoCreator drives shorter go-to-market timeframes and democratises app creation for users of varying  skill levels—all without requiring add-ons to a customer’s existing subscription.

Zia has served as a bridge across Zoho’s entire product suite, including Creator, since its launch in 2015.

As AI becomes increasingly central to business operations, Zoho’s complete ownership of its tech stack and deep AI integration provides customers with a higher level of contextual AI across all company workflows compared to competitors. This empowers users with a system that truly understands their data and anticipates its usage.

Among the newly-launched capabilities is the Idea-to-App Generation feature, allowing businesses to utilise ZohoAI or OpenAI to develop full-fledged applications including contextual integrations, automations, permission sets and insightful dashboards.

By using text or voice prompts, process flow diagrams, or systems documentations like software requirement specifications (SRS), Creator will provide domain-specific suggestions, ideas for relevant fields, and modules tailored to a customer’s business

Contextual component generation AI enhances existing applications by offering prompt-based form generation. Zia also proactively suggests contextual fields within forms, a functionality missing from many low-code development platforms.

Developers of all skill levels can generate and optimise code blocks contextually within apps using Zia’s prompter, and also annotate existing code blocks for future maintenance.

Further advancing business capabilities, users can rapidly transform unstructured data from various file types and databases into custom applications and remove inconsistencies using the AI-driven data cleansing and modelling feature.

Additionally, the newly-introduced AI Skills enables businesses to build apps with specialised skills that interpret natural language instructions in the business context and automate complex chains of actions intelligently. This feature is currently available in early access and will be widely available from June 2025.

“Since we introduced Creator in 2006, our mission has been to make app development simpler and faster, without compromising on functionality.

“AI now takes us to the next level, shortening the time from an idea to an app.

“Today’s announcement significantly raises the baseline on speed of quality app creation with deep capabilities, without adding costs,” the Country Head for Zoho Nigeria, Mr Kehinde Ogundare, stated.

By Samuel Olaniran

Many experts have highlighted the growing impact of creatives—especially those in product and brand design—across the financial industry, and how their work helps financial companies build trust, communicate value propositions, and drive growth.

These creatives shape the overall product and visual identity of financial brands, creating not just logos, colour schemes, and layouts, but also cohesive design systems that convey professionalism and reliability. This is crucial because trust is vital in finance. A strong, consistent brand and product design helps customers feel secure and confident in their financial decisions.

In digital platforms, product designers improve user experience. They ensure mobile apps, websites, and other tools are not only visually appealing but also functional and easy to navigate. A smooth, intuitive interface encourages users to engage more, making digital banking and investing more accessible to a wider audience. This can drive growth, as people are more likely to trust and stick with platforms that are easy to use.

Brand and product designers also simplify complex financial data through infographics and visualizations. Finance can be overwhelming, but clear visuals and product-led storytelling make it easier for customers to understand. Infographics turn complicated reports into digestible, engaging content, which can help customers make better financial decisions.

Marketing in finance also relies heavily on thoughtful brand design. Designers create visually appealing campaigns that catch the attention of potential customers. Whether it’s an ad on social media or an email newsletter, well-crafted design helps companies stand out and build a strong online presence.

In a competitive industry like fintech, where innovation is key, product and brand design can be the difference between success and failure.

As financial institutions grow globally, product designers help adapt their offerings and messaging to different cultures. By adjusting colours, symbols, and user interface elements to fit local preferences, they ensure financial products are accessible to a wider audience. This helps companies expand into new markets while keeping their brand relevant and consistent.

Looking ahead, the role of product and brand designers will only become more important. Their creative work is key to building trust, improving user experience, simplifying data, and leading marketing efforts. As finance continues to evolve, their role will remain essential in helping companies grow and connect with customers.

By Adedapo Adesanya

Nigeria’s Competition and Consumer Protection Tribunal on Friday ordered WhatsApp and Meta Platforms Incorporated to pay a $220 million penalty and $35,000 to the Federal Competition and Consumer Protection Commission (FCCPC) within 60 days over data discrimination practices in Nigeria.

The tribunal upheld the $220 million penalty imposed by the FCCPC on WhatsApp and Meta Platforms Incorporated, as well as $35,000 as reimbursement for the commission’s investigation against the social media giant.

The tribunal also dismissed the appeal by WhatsApp and Meta Platforms Incorporated regarding the $220 million penalty imposed by the FCCPC for alleged discriminatory practices in Nigeria.

The tribunal’s three-member panel, led by Mr Thomas Okosun, passed the verdict on Friday.

WhatsApp and Meta’s legal team, led by Mr Gbolahan Elias (SAN), and the FCCPC’s legal team, represented by Mr Babatunde Irukera (SAN), a former Executive Vice Chairman of the agency, made their final arguments on behalf of their respective clients on January 28, 2025.

Last year, the FCCPC asked Meta, the parent company of WhatsApp, Facebook, and Instagram, to pay $220 million for an alleged data privacy breach.

According to the agency, Meta was found culpable of denying Nigerians the right to self-determine, unauthorised transfer and sharing of Nigerians data, discrimination and disparate treatment, abuse of dominance, and tying and bundling.

The FCCPC noted that its decision was reached after a 38-month joint investigation by it and the Nigeria Data Protection Commission (NDPC).

The regulator also noted that its actions were based on legitimate consumer protection and data privacy concerns. It highlighted that its final order requires Meta to comply with Nigerian consumers and meet local standards.

“Similar measures are taken in other jurisdictions without forcing companies to leave the market. The case of Nigeria will not be different,” the FCCPC added.

Also weighing in on the issue then, Mr Irukera, noted on X that the approach being taken by the platform varied from that it was applying in other places it was operating.

“The same company just settled a Texas case for $1.4 billion and is currently facing regulatory action in at least a dozen nations, appealing large penalties in several countries. How many has it threatened to exit?” he queried.