Technology
New Visa Study Reveals Overconfidence Contributes to Scam Success
By Adedapo Adesanya
A new research from global payments giant, Visa, done across 17 countries in Central and Eastern Europe, the Middle East and Africa (CEMEA) has revealed a disconnect between consumers’ confidence in recognising fraud and their online behaviour, highlighting the importance of staying alert and mindful of fraud attempts.
The study forms Visa’s Stay Secure Campaign, focused on raising consumer awareness, strengthening education, and building confidence to combat social engineering threats.
Despite more than half of consumers (56 per cent) claiming to be savvy enough to sidestep online and phone scams, it was found that 90 per cent were likely to disregard the warning signs that suggest online criminal activity.
As cybercrime persists in an increasingly digital world, Visa has moved to curb this rising threat. The company has invested over $10 billion over the past five years in technology, including to reduce fraud and enhance network security. This includes $500 million on Artificial Intelligence (AI) and data infrastructure and has reportedly prevented $27.1 billion in potential fraud.
The campaign aims to pave the way for a secure and seamless digital payment experience. Through this initiative, Visa provides educational content, including videos, infographics, and tips designed to equip consumers with the knowledge and skills to recognize and prevent fraud.
Some of the key findings in the study point to the existence of a knowledge gap as false confidence can propel someone to click on a fake link or respond to a scam offer. It found that those who consider themselves more knowledgeable are more likely to respond to a requested action from scammers compared to those who say they are less knowledgeable, including positive news (74 per cent to 67 per cent) or urgent action (65 per cent to 55 per cent).
There is also concern for the vulnerability of others as respondents feel confident in their own vigilance, over half (52 per cent) were concerned that their friends or families will fall for a scam email offering a free gift card or product from an online shopping site, which offers customers ways to buy iTunes gift cards in Nigeria. Over a third (36 per cent) of respondents are concerned about children or minors, as well as retired people falling prey to online scams.
In addition to notices involving orders, product offers, or feedback, people are most suspicious of password requests. Less suspicious types of communications are updates regarding delivery or shipping (just 42 per cent listed as a top three source of suspicion), marketing communications regarding a sale or new product offering (41 per cent), or an invitation to provide feedback on a recent experience (37 per cent), all of which can be used by scammers.
The study also found the case of overlooking telltale signs. Only 57 per cent reported looking to ensure communications are sent from a valid email address, while 52 per cent will check if the company name or logo was attached to the message. Fewer than half of correspondents look for an order number (45 per cent) or an account number (43 per cent). Only 33 per cent look to ensure words are spelt correctly.
The company warned that scammers try different approaches to craft messages that appear genuine and compel recipients to take immediate action. The Visa Stay Secure Study identified prevalent patterns in the language most associated with scams – and how vulnerable are respondents in the surveyed countries.
It warned that cybercriminals often feign urgency to spur people into action, such as clicking a link or responding to a sender. Up to 40 per cent of respondents will fall for messages about a security risk, such as a stolen password or a data breach, while a notice from a government entity or law enforcement can trick 36 per cent.
Another method is sharing positive news with 71 per cent of respondents saying they would take action if a message had a positive hook, like “free gift,” “you’ve been selected,” or “you’re a winner.”
The research also found that Gen Zers are more likely to act on a giveaway (39 per cent) than a notice from the government (31 per cent), while 44 per cent of respondents would click on a link or reply to a message that offered a financial opportunity.
There is also the Action Required approach to which 60 per cent said they would respond to action-required phrases, though respondents are most suspicious of requests to reset their password.
Speaking on this, Mr Charles Lobo, Regional Risk Officer for Central and Eastern Europe, Middle East and Africa at Visa said, “In today’s digital-first world, scams are evolving in sophistication, with criminals using new approaches to trick unsuspecting consumers. Whether it’s a parcel held up at customs, a streaming subscription claiming to have expired, or a free voucher for a favourite brand, scammers are adopting persuasive tactics to deceive. Understanding the language of fraud is increasingly essential, and our Visa Stay Secure educational platform provides the knowledge and skills to help stay ahead of fraudulent activity online,”
Visa warned that consumers can better protect themselves by taking a few extra moments before clicking, including understanding the language scammers use. These include, “keep personal account information to yourself; don’t click on links before verifying that they’ll take you where they say they will; regularly check purchase alerts, which provide near real-time notification by text message or email of purchases made with your account; and call the number on corporate websites or the back of your credit and debit cards if you are unsure if a communication is valid.”
By Modupe Gbadeyanka
A speech dataset designed to catalyze research and build more inclusive Artificial Intelligence (AI) technologies has been launched by Google in partnership with a consortium of leading African research institutions, which are mainly universities.
The main universities involved in the project known as WAXAL are Makerere University in Uganda, the University of Ghana, and Digital Umuganda in Rwanda.
A statement from Google on Monday said the dataset bridges a critical digital divide for over 100 million speakers by providing foundational data for 21 sub-Saharan African languages, including Hausa, Luganda, Yoruba, and Acholi.
While voice-enabled technologies have become common in much of the world, a profound scarcity of high-quality speech data has prevented their development for most of Africa’s over 2,000 languages. This has excluded hundreds of millions of people from accessing technology in their native tongues.
The WAXAL dataset was created to directly address this gap. Developed over three years with funding from Google, the project features 1,250 hours of transcribed, natural speech, and Over 20 hours of high-quality, studio recordings designed for building high-fidelity synthetic voices.
The WAXAL dataset, which is available starting today, covers Acholi, Akan, Dagaare, Dagbani, Dholuo, Ewe, Fante, Fulani (Fula), Hausa, Igbo, Ikposo (Kposo), Kikuyu, Lingala, Luganda, Malagasy, Masaaba, Nyankole, Rukiga, Shona, Soga (Lusoga), Swahili, and Yoruba.
Commenting on the development, the Head of Google Research for Africa, Ms Aisha Walcott-Bryantt, said, “The ultimate impact of WAXAL is the empowerment of people in Africa.
“This dataset provides the critical foundation for students, researchers, and entrepreneurs to build technology on their own terms, in their own languages, finally reaching over 100 million people.
“We look forward to seeing African innovators use this data to create everything from new educational tools to voice-enabled services that create tangible economic opportunities across the continent.”
Also commenting, a Senior Lecturer at Makerere University’s School of Computing and Information Technology, Ms Joyce Nakatumba-Nabende, said, “For AI to have a real impact in Africa, it must speak our languages and understand our contexts.
“The WAXAL dataset gives our researchers the high-quality data they need to build speech technologies that reflect our unique communities. In Uganda, it has already strengthened our local research capacity and supported new student and faculty-led projects.”
An Associate Professor at the University of Ghana, Mr Isaac Wiafe, said, “For us at the University of Ghana, WAXAL’s impact goes beyond the data itself. It has empowered us to build our own language resources and train a new generation of AI researchers.
“Over 7,000 volunteers joined us because they wanted their voices and languages to belong in the digital future.
“Today, that collective effort has sparked an ecosystem of innovation in fields like health, education, and agriculture. This proves that when the data exists, possibility expands everywhere.”
By Adedapo Adesanya
The Nigeria Data Protection Commission (NDPC) has disclosed that the country’s data protection ecosystem has grown to N16.2 billion within just two years of formal regulation.
The disclosure was made by the chief executive of the data regulating agency, Mr Vincent Olatunji, during a media workshop and capacity-building engagement held in Lagos recently.
He further said the growth reflects rising enforcement, compliance activity, and increasing confidence in Nigeria’s digital governance framework, even though the NDPC was not designed as a revenue-generating agency.
Mr Olatunji explained that regulatory compliance fees and enforcement actions under the Nigeria Data Protection Act (NDPA), 2023, have created significant economic value while also contributing to government revenue and job creation across the country, noting that regulatory fees and sanctions after investigations have contributed over N16.2 billion to federal revenue while supporting an estimated 23,000 jobs nationwide.
“These investigations have resulted in 11 major enforcement actions, including significant financial penalties and corrective directives.”
“The message is clear: violations of data privacy will attract serious consequences, regardless of the size or status of the organisation involved,” Mr Olatunji stated, adding that the commission has concluded 246 investigations into data protection and privacy breaches across multiple sectors, signalling that enforcement will remain central to Nigeria’s data governance strategy.
Business Post reports that NDPC has over the last two years carried some sanctions against some top companies including a N766.2 million fine on MultiChoice Nigeria in July 2025 as well as Fidelity Bank, which was fined N555.8 million in 2024 for processing personal data without informed consent.
The NDPC Commissioner linked the Commission’s enforcement milestones to Nigeria’s broader ambition of building a $1 trillion digital economy.
He stressed that accountability and trust are foundational to digital transformation and long-term investment.
“Privacy enforcement is the foundation of digital confidence. By holding violators accountable, we are safeguarding citizens while creating the secure environment required for innovation, investment and sustainable growth,” he said.
He said the Commission has significantly expanded compliance structures across the economy to support this objective, moving beyond sanctions to system-wide institutional strengthening.
The NDPC has registered 38,677 Data Controllers and Processors of Major Importance, licensed 307 Data Protection Compliance Organisations, and received more than 8,155 Compliance Audit Returns.
In addition, the Commission has issued the General Application and Implementation Directive, which takes effect from September 2025, translated the NDPA into three major Nigerian languages, and launched a multi-sector compliance sweep covering banking, insurance, pensions, and gaming, with 1,348 entities already served with compliance notices.
By Adedapo Adesanya
Nigeria will purchase to new communication satellites to boost Nigeria’s digital infrastructure as part of efforts to achieve President Bola Tinubu’s plan to grow the economy to $1 trillion.
The Minister of Communications and Digital Economy, Mr Bosun Tijani, disclosed this on Wednesday in Abuja at a press conference to mark Global Privacy Day 2026, organised by the Nigerian Data Protection Commission (NPDC).
Mr Tijani said the approval marked a significant shift in Nigeria’s digital strategy, noting that the country currently stands out in West Africa for lacking active communication satellites, a gap the new assets are expected to address.
“As you know, Mr President has been very clear about his ambition to build a $1 trillion economy, and digital technology is central to achieving that vision,” adding that, “The President has now approved that we should procure two new satellites. Nigeria today is the only country in West Africa with non-communication satellites. And we have been given the go-ahead to procure two new ones, ensuring that we can use that satellite to connect.”
He also said progress had been made on the Federal Government’s flagship 90,000-kilometre fibre optic backbone project, which is aimed at expanding broadband access across the country. According to the minister, about 60 per cent of the fibre project has been completed, while funding for the remaining work has already been secured.
“The 90,000 kilometres fibre optic project is not a dream. About 60 per cent of the work has already been completed, and the funding for the project is secure. As we bring more Nigerians online, connectivity without protection is incomplete. Privacy is the foundation of trust, safety, and sustainability in the digital world.”
“The success of Nigeria’s digital economy will depend not just on infrastructure and talent, but on trust, and the NDPC remains central to building that trust,” the minister said.
Mr Tijani said the Tinubu administration was positioning digital technology as a key driver of inclusive growth, improved public service delivery, and long-term economic expansion, adding that investments were also being channelled into digital skills, rural connectivity, and institutional reforms.
He stressed that the expansion of connectivity must be matched with stronger data protection, especially as Nigeria’s young and digitally active population continues to grow.
Recall that Nigerian Communications Commission (NCC) recently granted licenses to three global internet service providers – Amazon’s Project Kuiper, BeetleSat-1, and and Germany-based Satelio IoT Services – as part of efforts to strengthen internet connectivity via satellite and to boost competition among existing internet service providers in the country.
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