Technology
Digital Inclusion: What Does Equal Access to Education Mean in the Digital Age?
By Zohra Yermeche
The COVID-19 crisis and the impact, which it has had on learning across the world, has highlighted many of the digital disparities which exist in today’s world.
At a time when many of the world’s students shifted from physical to digital, we were also faced with the hard truth that today there are still 3.6 billion people in the world who are unconnected.
For students in the connected half of the world, the story is much different. While 1.2 billion children were affected by school closures across much of the world, our recent Consumer COVID-19 report found that students were able to substitute physical learning by spending 230 per cent more time on digital learning tools such as Google Class, Epic! and Seesaw Class.
This of course is a significant rise, but it is also an acceleration of a trend which we have steadily been tracking since our first Connect To Learn program exactly ten years ago.
The State of Broadband 2020 report estimates that there are twice as many people today who use the Internet compared to 2010. This rise in digital literacy, together with the imminent period of rapid digitalization of the economy, means that ensuring fair and equal access to both education and future job markets will rest on the extent of digital inclusion within our societies.
What is digital inclusion and why is it so important today?
Today, technology plays a much bigger role in the quality and scope of how we learn, such as new digital learning platforms which are estimated to reach $350 billion by 2025; what we learn, with a growing emphasis on programming, robotics, AI and automation; and how we can use it in the job market, with digital skillsets increasingly becoming a prerequisite of tomorrow’s workforce.
The changes which are happening today show the disparity between the developed and undeveloped world. If you are not connected, that shows you the leap which you have to make between the connectivity aspect, access to education and benefits which are derived from that.
Closing this digital divide, with those who are not connected or not considered to be digitally literate, is imperative to ensuring a fair distribution of digital opportunities across countries, locations, gender, socioeconomic status, and age.
Access to education in the digital age
In 2010, we co-founded the Connect To Learn initiative with the Earth Institute at Columbia University and Millennium Promise, with a focus on delivering connectivity and ICT tools to enhance teaching and learning in unconnected, underprivileged and largely unrepresented communities.
Since our first projects in the Millennium Villages, we’ve helped to connect and increase the digital inclusion of more than 200,000 students worldwide. As the program has evolved, we have increased our efforts to close the digital divide not just in terms of connectivity, but from a content, syllabus and platform side which is fundamental.
As a technology company, we quickly discovered that we can offer so much more than connectivity, but furthermore can help improve learning processes and methodologies so learning can become more impactful. For example, through partnerships with like-minded organizations, we have helped to digitalize and disseminate content through digital learning tools such as mobile apps.
One of the biggest differences from ten years ago is also that the nature of technology in an educational context, both as a medium and a means to enter the job market was still relatively immature as the landscape has evolved, we’ve come to understand the need to personalize and individualize learning so that we can improve learning outcomes in a meaningful way.
Giving people access to the right type of content is one aspect, another equally critical aspect is the human element. On top of the digital layer, students will still always need the engagement, inspiration and activation that comes from teachers and trainers who know about the topic. I believe that, even in the digital age, technology will never be able to replace this interaction, but rather can serve as an increasingly innovative medium for those critical learner-instructor interactions, such as through the Internet of Skills.
Digital inclusion through public-private partnerships
Today, there is a significant need for digital skills courses. Key technology areas such as AI, robotics and app development are advancing at such a rapid pace, which can make it difficult to ensure an effective transfer of competence to emerging workforces.
Such is the pace of change for topics such as these, public academic institutions will invariably struggle to take learning beyond a basic theoretical level. Public-private partnerships will therefore be key to addressing this, by developing advanced curriculums and delivering the necessary quality and scale of access.
As a sustainability pioneer in the private sector, we’ve understood the power of partnership, which is why we’re investing heavily in building out those partnerships with like-minded entities to create sustainable solutions in order to address the issues which the education sector faces today. A good example of this is the Ericsson Digital Lab program which is now live in several countries in partnership with local schools and community learning centres. The aim here is to share those competences that we have in-house on a much broader scale, addressing those critical skillset demands which are needed in tomorrow’s workforce.
This year, in response to the impact which COVID-19 has had on learning, we continuing these efforts by joining the UNESCO-led Global Education Coalition, launching Ericsson Educate and partnering with UNICEF to map school connectivity as part of the Giga project.
Through digital methodologies, and with a focus on improving digital skills for students across all communities, our commitment is to ensure that future generations continue to have the skills and knowledge to find opportunity in a changing digital world. This was what we set out to do when we launched Connect To Learn ten years ago, and this will continue to be our priority in this next critical decade of action.
Zohra Yermeche is the Program Director for Connect To Learn at Ericsson
The rules have changed. How companies actually know their customers — really know them — looks almost nothing like it did ten years ago. Old-school research methods are drowning. Too slow, too narrow, too dependent on humans manually stitching together datasets that have already gone cold. Markets shift in days now, not quarters. And the cost of a slow read on consumer behavior keeps climbing. This isn’t just a tooling upgrade. The underlying logic of how businesses decide what to build, what to charge, and who to reach has been gutted and rebuilt from scratch. Staying reactive isn’t a strategy anymore. It’s a liability.
1. Real-Time Data Processing and Pattern Recognition
Consumer intelligence used to run on stale numbers. Analysts dug into data weeks — sometimes months — after whatever actually happened. Modern AI kills that lag. Entirely. These systems chew through enormous volumes of behavioral data on the fly, surfacing patterns that human teams couldn’t find in the same timeframe with ten times the headcount. Machine learning algorithms can process millions of customer interactions, transactions, and behavioral signals simultaneously — pulling clean signal out of what would otherwise be undifferentiated noise. A retailer can track sentiment across social media, reviews, and support tickets right now, catching a brewing problem or an emerging trend in hours rather than weeks. Inventory shifts, pricing moves, message pivots — all of it happens before a trend fully crystallizes. That’s a different game entirely.
2. Predictive Analytics and Consumer Behavior Forecasting
Here’s what actually changed: AI stops consumer intelligence from being a backward-looking exercise. Instead of cataloguing what customers already did, companies can now forecast what they’re likely to do next — and with striking accuracy. Advanced ML models thread together historical patterns and live behavioral signals to predict churn, flag high-value prospects, and project demand across entire product lines. A telecom company can spot which customers are quietly drifting toward a competitor before they ever make the switch — and intervene first. That’s not a marginal improvement. It’s a fundamentally different posture. Resources flow toward the segments that actually matter, rather than spreading thin across the whole base and hoping something sticks.
3. Personalization at Scale
Consumers expect personalized experiences. Full stop. Meeting that expectation at scale — for millions of people at once — is simply beyond what human analysts and traditional segmentation can deliver. Machine learning models read individual purchase histories, browsing patterns, preferences, and demographic signals to build dynamic profiles that drive product recommendations, custom messaging, and tailored interfaces. When building and refining these individualized profiles, marketers who need to enrich their first-party data with verified behavioral signals rely on audience data providers to ensure their models are trained on accurate, high-quality consumer information. An e-commerce platform can serve each visitor a genuinely different experience — different layouts, different offers, different content — all built around that visitor’s unique fingerprint. Conversion lifts. Lifetime value climbs. People respond when recommendations actually fit their lives, not just the average of everyone else’s.
4. Sentiment Analysis and Brand Perception Monitoring
Knowing how consumers feel about a brand means wading through unstructured mess. Reviews, comment threads, support tickets, social posts, video captions — none of it parses cleanly by hand at any useful speed. Natural language processing handles it. NLP systems automatically scan text-based content across digital channels, classifying sentiment as positive, negative, or neutral while bucketing feedback by topic, product feature, or customer segment. An automaker can track online conversations about a specific reliability concern and catch it before it snowballs into a full-blown reputation crisis. No waiting for quarterly surveys. No lag. Brand perception monitoring becomes continuous — and decisions about product fixes, messaging shifts, or service interventions get grounded in real signal rather than gut instinct.
5. Competitive Intelligence and Market Positioning Analysis
Competitive intelligence used to mean manual tracking, sprawling spreadsheets, and perpetually incomplete pictures. AI automates the entire collection-and-analysis loop. ML models watch competitor pricing moves, product launches, promotions, and messaging shifts across digital channels — then stack that data against a company’s own position. Gaps surface. Threats register earlier. A financial services firm can monitor exactly which themes competitors are pushing on social media and which ones are actually generating engagement — then sharpen their own positioning accordingly. Real-time visibility into competitive dynamics means strategic calls about where to invest, which markets to enter, and how to stand apart in crowded categories aren’t made blind anymore.
Conclusion
What AI has done to consumer intelligence isn’t incremental. It’s structural. Real-time processing of massive datasets. Forecasting future behavior instead of autopsying the past. Personalization that reaches millions, not hundreds. Continuous sentiment monitoring. Automated competitive tracking. None of these were realistic options a decade ago. They are now. Companies that wire these capabilities into their core operations make faster, sharper decisions — ones that show up directly in revenue, satisfaction scores, and market share. Those that don’t will keep falling further behind. And the gap between organizations that wield these tools well and those still grinding through traditional approaches? It’s not closing. It’s widening every quarter.
By Adedapo Adesanya
Redtech, a financial technology company backed by Mr Tony Elumelu’s Heirs Holdings, has intensified its pan-African expansion strategy as it extends its payment infrastructure beyond Nigeria and leverages recent global recognition to strengthen its footprint across the continent.
The fintech firm was named in the payments category of the World’s Top Fintech Companies 2026 ranking by CNBC and Statista. It is among the only 11 African companies recognised in this year’s edition.
Developed by CNBC and Statista, the annual ranking identifies 500 leading fintech companies from a pool of more than 3,500 businesses worldwide. Serving as a data-driven benchmark, the ranking highlights companies shaping the future of financial services through technology, innovation and scalable digital solutions.
The company said it is accelerating its push into new African markets with the rollout of digital banking and payment solutions.
As part of this expansion, the UBA RedPay mobile application is now operational in Benin, Burkina Faso, Côte d’Ivoire, Mali and Senegal, marking the company’s first significant digital banking presence outside Nigeria.
It has also introduced virtual account services in Ghana through a partnership with UBA, broadening its payment collection capabilities in West Africa.
The company said the move aligns with its long-term ambition to build a unified payment infrastructure that enables businesses to collect, process, reconcile, disburse and manage funds seamlessly across African markets.
Commenting on the company’s growth strategy, the chief executive of Redtech, Mr Emmanuel Ojo, said Africa’s increasingly interconnected digital economy requires payment infrastructure that can support cross-border commerce.
“Recognition from CNBC and Statista reflects the growing relevance of African Fintech companies on the global stage and validates our ambition to build Redtech into Africa’s payment infrastructure company.
“We are building the technology that enables businesses of every size to collect, pay and manage money seamlessly across channels and markets. As African commerce becomes increasingly digitally connected across multiple market borders, businesses need payment infrastructure that is reliable, secure, interoperable and designed for the realities of operating across the continent.
“Our goal is to help power that growth by making payments simpler and more connected for African businesses, while building solutions that reflect global standards.”
Redtech continues to scale its operations, with available numbers showing that the fintech has processed approximately N45.84 trillion ($33.21 billion) in transaction value through its flagship RedPay platform and deployed more than 55,000 point-of-sale terminals serving merchants across sectors including banking, fintech, retail, hospitality, energy and utilities.
Looking ahead, the company said it plans to expand its collections and financial infrastructure capabilities across all 54 African countries, enabling businesses and financial institutions to manage transactions across multiple markets through a single technology platform.
Technology
CREDICORP Expands Consumer Credit for Locally-assembled Digital Devices With C.L.I.C.K.D.
By Modupe Gbadeyanka
To expand affordable consumer credit for locally assembled laptops and devices for digital workers, the Nigerian Consumer Credit Corporation (CREDICORP) has launched the C.L.I.C.K.D (Credit for Laptops, Internet, Connectivity and Knowledge Digital Devices) scheme.
This initiative is in partnership with the federal government through the Three Million Technical Talent (3MTT) Programme.
It was designed to democratise access to consumer credit, expand economic opportunity and empower millions of Nigerians to improve their quality of life through responsible borrowing.
At the unveiling of the scheme on Tuesday in Abuja at the Afreximbank African Trade Centre (AATC), the chief executive of CREDICORP, Mr Uzoma Nwagba, said the initiative focuses on fellows’ training through the Learn2Earn platform, many of whom are acquiring in-demand digital skills without access to the devices needed to complete their training and transition into employment or entrepreneurship.
Delivered in collaboration with Fidelity Bank as credit administration partner and NASENI and Imose Technologies as device manufacturers, it will provide 1,000 locally assembled laptops to eligible fellows across Nigeria, with 77 beneficiaries in Abuja receiving their devices at the launch ceremony as the first phase of a nationwide rollout.
Assembling the devices in Nigeria shows how consumer credit can expand digital inclusion, strengthen local manufacturing and deepen the country’s technology ecosystem.
“C.L.I.C.K.D. transforms digital devices from a barrier into an opportunity. By embedding affordable consumer credit into a national talent programme like 3MTT, starting with locally assembled laptops, we are giving qualifying Nigerians a responsible pathway to the tools they need to learn, work and earn, while advancing the federal government’s vision for industrial development and job creation on both sides,” Mr Nwagba averred.
Also commenting, the Minister of Communications, Innovation and Digital Economy, Mr Bosun Tijani, said, “Nigeria’s digital economy can only thrive when our people have both the skills and the tools to succeed.
“Through C.L.I.C.K.D., we are helping qualifying Nigerians participate more fully in the opportunities created by the 3MTT initiative while strengthening local manufacturing through the use of locally assembled devices.”
C.L.I.C.K.D. is CREDICORP’s flagship device financing initiative, open to working Nigerians nationwide, with the 3MTT programme as launch partner for this first phase. Interested Nigerians can register at www.credicorp.ng/clickd.
