Technology
AI vs Humanity: A Battle of Identity
Artificial intelligence (AI) is changing the world. The last two decades have laid the infrastructure to give over 5 billion people access to digital services through smartphones and the Internet. This has primed the world for an AI revolution, the exponential growth of which we’re beginning to see through services like ChatGPT that fundamentally change how we interact with technology.
Like every technological paradigm shift, from fire to flying or the industrial revolution to the Internet, the benefits of AI will also be challenged by its threat. While my pronoid nature is certain that the net impact will be positive (because there are many more good people in this world than bad), one growing area of AI concern is how we distinguish ourselves as human beings versus AI.
Trust is a base requirement for our lives to operate effectively, from our relationships with those around us to our interactions with business and government services. We have built systems to facilitate trust; our ID cards prove who we are, and our physical address ensures that we can be found. But in Africa and other emerging markets, poor identity and physical addressing infrastructure limits trust increase fraud and hold back the economy. MIT estimated that India’s lack of a physical addressing system costs its economy 0.5% of its GDP. Visa’s latest fraud report shows that attempted fraud in Africa is 5x more than in the US.
Over the past two decades, we’ve seen technology try to help us prove we are who we say we are. Before, every transaction at a bank had to be done in person, but over time, these physical verifications have been replaced by digital ones; we’ve all solved annoying online captcha puzzles, fumbled for another one-time pin (OTP), and maybe more recently awkwardly recorded a selfie video of yourself.
However, as more and more services become digital, the fraudsters keep out-innovating these measures. AI can now impersonate a customer service agent or make a video of you speaking from just a photo. This undermines the ability of businesses across various industries to identify and verify their customers. In January 2023, Visa saw a 60x increase in fraud rate for Financial Services compared to just a year earlier.
Proof of address is stuck in the analogue era
Smart operators worldwide understand the threat posed to customer verification by AI and are already investing in mitigations. Meta has begun using paid-for verification for Instagram and Facebook. PayPal uses a detailed process that relies on multiple layers of compliance, verification, and monitoring to verify and onboard customers.
However, proof of identity using an ID card is no longer enough, so startups are innovating to help businesses truly know their customer. Worldcoin launched earlier this year to use a person’s iris as a form of identity; others like Bright ID schedule group video calls where you need to hold a conversation to prove you’re a real human being.
One area that is being overlooked is knowing where the customer lives. In developed markets like the US and UK, your proof of address is the ultimate form of accountability because whether it’s your bank or the police, they can physically find you if you commit fraud.
Yet, proof of address has become harder to validate in our modern world. People don’t live in the same house for most of their lives like before; in fact, digital nomads don’t even have a fixed abode at all. Bank statements or utility bills are no longer posted through the letterbox, enforcing a point of verification because they’re now digital PDFs delivered to your phone. It used to be relatively easy to update your few services when you moved, but now you have an overwhelming number of accounts to update.
And this is the best-case scenario. It’s estimated that 4 billion people – half the globe – do not have a formal physical address because their building or road has no identifier. And what about those who do not have a fixed home because they are homeless or have had to flee their country as refugees?
When global banking regulation forces financial services to only offer their services if the customer can prove their address, this creates a massive problem for the world’s economy. On paper, the regulators are doing the right thing to ensure financial services correctly implement effective Know Your Customer (KYC) measures. However, it creates a catch-22 for financial service providers; to open accounts, they need to have verified customer addresses, but there are no practical ways to do this beyond sending a human agent to the customer’s address, which costs too much, especially for accounts for lower-income customers.
AI to the rescue
My Kenyan co-founder once said, “We’re blessed in Africa to have so many problems because it creates so much opportunity”, and it’s this problem and opportunity that my co-founders and I have spent the last 10 years trying to solve. We believe that it’s a human right for every person to have a verified address so that they can access the services they deserve, from opening up a bank account to having an ambulance arrive at their door.
We see a world where anyone with a smartphone has a digital address that uses the location data in their phone, behavioural science and AI to verify they live where they say they do. As a centralised addressing system, when the person moves, they just have to notify us for all other services to be updated. It puts control of the address into the hands of the user, who can manage their data privacy and only give access to their address to the businesses and people they trust.
The behavioural science in our solution grounds a user’s digital account to the real world through where they live, enabling both proof of address and proof of humanity. While AI can impersonate your voice and create a video of you, it cannot impersonate where you live.
In our new world, where it’s becoming increasingly difficult to build trust and distinguish the difference between AI and a human, perhaps the solution is closer to home than we think.
Timbo Drayson is the CEO & Co-Founder of OkHi
Technology
Can Nigeria Build Enough Solar Panels? TechCartel Breaks Down the New Taxes on Imported Tech
There was a time when a solar panel on a Nigerian rooftop was a luxury, the kind of thing you saw at a hotel or a church with generous donors. That time has passed. Across the country, solar panels have become a defining feature of the skyline, appearing on rooftops and office blocks in nearly every neighborhood. Once viewed as a luxury, solar has transitioned into a fundamental necessity for millions of households and businesses. For many, it serves as the foundation of their daily power needs.
The Federal Government has now moved to change how those panels get into the country, and the implications are landing on an energy market that has quietly built its entire informal infrastructure around imported solar hardware.
According to a detailed breakdown published by TechCartel, one of Nigeria’s most closely watched tech publications for consumer technology, the government is not staging an overnight ban. What it is staging is a structured financial squeeze: higher import taxes on finished solar panels, lower duties on raw materials for local manufacturers, and a 2036 target for 100 percent local production.
The policy timeline started earlier than most people noticed. In March 2025, the Minister of State for Technology, Uche Nnaji, announced a Solar Import Phase-out Roadmap. The stated motivation was the import bill, which crossed ₦200 billion in a single year. By January 2026, the Rural Electrification Agency reported that local manufacturing capacity had grown from 120 MW to 300 MW. On April 1, 2026, the Minister of Finance signed the 2026 Fiscal Policy Measures, formally introducing Import Adjustment Taxes on finished solar goods. A Green Tax Surcharge follows on July 1, 2026.
For anyone who opened an import Form M before April 1, there is a 90-day window to clear goods at the old rate. After that, the new cost structure kicks in. The Secure Energy Project estimates a 15 to 25 percent rise in solar panel prices by late 2026.

Can Nigerians Still Afford to Power Themselves?
To understand why this policy lands differently in Nigeria than it would elsewhere, you have to understand what the grid has done to Nigerian electricity habits. Years of erratic supply, multi-hour daily outages, and voltage fluctuations that destroy electronics did not produce a population waiting patiently for the government to fix things. It produced a population that fixed things itself.
First came generators, petrol then diesel then gas. Then came inverters with lead-acid batteries, then lithium batteries, and then solar panels added on top to charge them without spending on fuel. The 1 kWh solar generator, once considered a niche product, is now a completely ordinary fixture in small households and one-room businesses. Some call them power stations, and that name has started to feel accurate. Provisions shops, phone repair kiosks, tailoring studios, and barbing salons run on them every single day. They are small enough to sit on a balcony, affordable enough for a two-month savings plan, and powerful enough to run lights, DC fans, and a phone charger without touching a NEPA bill.
The scale goes well beyond individual homes. Petrol stations that once ran generators round the clock have converted their canopy roofs into solar arrays, running hybrid systems where solar handles daytime load and the generator only kicks in at night. Pharmacies, internet cafés, printing shops, and cold rooms powering perishables now run on solar. The solar transition in Nigeria has been market-driven and it has moved fast.
That context is what makes the arithmetic in TechCartel’s breakdown so pointed. Nigeria’s local solar manufacturing capacity stands at 300 MW as of April 2026. The country’s estimated demand for energy stability is 3.7 GW. The gap is over 3,400 MW. Local manufacturers currently price their panels about 16 percent above imported alternatives. As import taxes rise, that gap will narrow, but the timeline is vital. If local capacity grows faster than analysts expect, the transition could be orderly.
The government’s $425 million commitment to eight new manufacturing plants, and the 150 percent capacity growth achieved in a single year, suggest the industrial ambition is real. Nigerian-assembled panels are already being exported to Ghana and Burkina Faso, which signals a manufacturing base serious enough to serve regional demand. The 2036 target is a decade away, but the trajectory is being built now.
For Nigerians planning a solar installation in the coming months, the window is clear. The Form M grace period runs 90 days from April 1. The Green Tax Surcharge begins July 1. Any installation completed before that first wave of cost increases arrives will avoid the opening price shock. After that, the cost of running your own power in Nigeria, already a choice made out of necessity, gets a little harder to justify on a budget.
Technology
NITDA Warns of Dangerous AI Malware Targeting Banks, Government Agencies
By Adedapo Adesanya
The National Information Technology Development Agency (NITDA) has warned of an active, Artificial Intelligence (AI)-powered malware named DeepLoad targeting financial institutions and government agencies
The organisation warned that the new harmful malware is targeting Nigerian government agencies, financial institutions, businesses, and individuals.
In a tweet on its verified X handle, NITDA revealed that once the virus is executed, DeepLoad silently installs itself, harvests stored user credentials and sensitive data from browsers, evading antivirus software by leveraging AI.
NITDA further stated that upon infection, the malware can result in unauthorised access to bank accounts, mobile money services, and payment cards.
It reiterated that the malware also steals saved passwords, personal information, and documents.
It explained that these thefts enable criminals to impersonate victims for financial gains, disruption of public/private organisations’ workflow via document theft, and ultimately a threat to national security via the compromise of classified governance networks.
The agency outlined that the malware targets public and private institutions, Banks and Financial institutions, Critical infrastructure operators, and individual citizens using online banking and email.
The agency cautioned against pasting links and commands from untrusted websites into your computer or phone’s browser, as legitimate websites do not ask for such.
Technology
NDPC Partners BPP, Governors’ Forum on Data Governance
By Adedapo Adesanya
The Nigeria Data Protection Commission (NDPC) has signed separate Memoranda of Understanding (MoUs) with the Bureau of Public Procurement (BPP) and the Nigeria Governors’ Forum (NGF) to strengthen data protection, privacy compliance, and responsible data governance across Nigeria’s public sector and state institutions.
Speaking during the signing of the MoU with the Bureau of Public Procurement, the National Commissioner/CEO of the NDPC, Mr Vincent Olatunji, commended the leadership of the BPP for prioritising privacy and data governance.
“Data privacy is a global imperative for building trust, confidence, and credibility within the digital ecosystem. The NDPC remains committed to supporting the integration of robust data protection standards within Nigeria’s procurement sector.”
In his remarks, the Director-General of the BPP, Mr Adebowale Adedokun, reaffirmed the bureau’s commitment to ethical data management and compliance with global best practices.
“We recognise that the unlawful disclosure of government information is a criminal offence. As we embrace technology, there is a growing need to strengthen safeguards for the protection of sensitive information.”
As part of the collaboration, Mr Olatunji offered 50 Virtual Privacy Academy vouchers to BPP staff to support capacity development in data protection and privacy. Dr Adedokun welcomed the initiative and proposed broader training opportunities for the Bureau’s 453 procurement officers nationwide.
In a related development, the NDPC also signed an MoU with the Nigeria Governors’ Forum (NGF) to deepen data protection and privacy at the state level.
Speaking at the signing ceremony, Mr Olatunji commended the leadership of the NGF for its readiness to partner with the Commission in advancing responsible data governance at the state level.
“Compliance with data protection obligations is critical to strengthening privacy frameworks across our states, thereby accelerating nationwide adoption, enhancing investor confidence, and foreign direct investment.”
The Director-General of the NGF, Mr Abdulateef Shittu, reaffirmed the Forum’s commitment to strengthening data protection and privacy across the states.
“This partnership with the NDPC is a strategic step towards securing Nigeria’s digital ecosystem and advancing responsible data governance at the subnational level.”
To ensure effective implementation of both agreements, working groups were established by the NDPC with the BPP and the NGF, respectively, to develop actionable frameworks for swift implementation.
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