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The Ultimate Online Privacy Guide

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By Douglas Crawford

Introduction

Edward Snowden’s NSA spying revelations highlighted just how much we have sacrificed to the gods of technology and convenience something we used to take for granted, and once considered a basic human right – our privacy.

It is just not just the NSA. Governments the world over are racing to introduce legislation that allows to them to monitor and store every email, phone call and Instant Message, every web page visited, webinar software and every VoIP conversation made by every single one of their citizens.

The press has bandied parallels with George Orwell’s dystopian world ruled by an all-seeing Big Brother about a great deal. They are depressingly accurate.

Encryption provides a highly effective way to protect your internet behavior, communications, and data. The main problem with using encryption is that its use flags you up to organizations such as the NSA for closer scrutiny.

Details of the NSA’s data collection rules are here. What it boils down to is that the NSA examines data from US citizens, then discards it if it’s found to be uninteresting. Encrypted data, on the other hand, is stored indefinitely until the NSA can decrypt it.

The NSA can keep all data relating to non-US citizens indefinitely, but practicality suggests that encrypted data gets special attention.

If a lot more people start to use encryption, then encrypted data will stand out less, and surveillance organizations’ job of invading everyone’s privacy will be much harder. Remember – anonymity is not a crime!

How Secure is Encryption?

Following revelations about the scale of the NSA’s deliberate assault on global encryption standards, confidence in encryption has taken a big dent. So let’s examine the current state of play…

Encryption Key Length

Encryption Key 01Key length is the crudest way of determining how long a cipher will take to break. It is the raw number of ones and zeros used in a cipher. Similarly, the crudest form of attack on a cipher is known as a brute force attack (or exhaustive key search). This involves trying every possible combination to find the correct one.

If anyone is capable of breaking modern encryption ciphers it is the NSA, but to do so is a considerable challenge. For a brute force attack:

  • A 128-bit key cipher has 3.4 x10(38) possible keys. Going through each of them would thousands of operations or more to break.
  • In 2011 the fastest supercomputer in the word (the Fujitsu K computer located in Kobe, Japan) was capable of an Rmax peak speed of 10.51 petaflops. Based on this figure, it would take Fujitsu K 1.02 x 10(18) (around 1 billion) years to crack a 128-bit AES key by force.
  • In 2016 the most powerful supercomputer in the world is the NUDT Tianhe-2 in Guangzhou, China. Almost 3 times as fast as the Fujitsu K, at 33.86 petaflops, it would “only” take it around a third of a billion years to crack a 128-bit AES key. That’s still a long time, and is the figure for breaking just one key.
  • A 256-bit key would require 2(128) times more computational power to break than a 128-bit one.
  • The number of years required to brute force a 256-bit cipher is 3.31 x 10(56) – which is about 20000….0000 (total 46 zeros) times the age of Universe (13.5 billion or 1.35 x 10(10) years!

The NUDT Tianhe-2 supercomputer in Guangzhou, China

128-bit Encryption

Until the Edward Snowden revelations, people assumed that 128-bit encryption was in practice uncrackable through brute force. They believed it would be so for around another 100 years (taking Moore’s Law into account).

In theory, this still holds true. However, the scale of resources that the NSA seems willing to throw at cracking encryption has shaken many experts’ faith in these predictions. Consequently, system administrators the world over are scrambling to upgrade cipher key lengths.

If and when quantum computing becomes available, all bets will be off. Quantum computers will be exponentially more powerful than any existing computer, and will make all current encryption ciphers and suites redundant overnight.

In theory, the development of quantum encryption will counter this problem. However, access to quantum computers will initially be the preserve of the most powerful and wealthy governments and corporations only. It is not in the interests of such organizations to democratize encryption.

For the time being, however, strong encryption is your friend.

Note that the US government uses 256-bit encryption to protect ‘sensitive’ data and 128-bit for ‘routine’ encryption needs.

However, the cipher it uses is AES. As I discuss below, this is not without problems.

Ciphers

Encryption key length refers to the amount of raw numbers involved. Ciphers are the mathematics used to perform the encryption. It is weaknesses in these algorithms, rather than in the key length, that often leads to encryption breaking.

By far the most common ciphers that you will likely encounter are those OpenVPN uses: Blowfish and AES. In addition to this, RSA is used to encrypt and decrypt a cipher’s keys. SHA-1 or SHA-2 are used as hash functions to authenticate the data.

AES is generally considered the most secure cipher for VPN use (and in general). Its adoption by the US government has increased its perceived reliability, and consequently its popularity. However, there is reason to believe this trust may be misplaced.

NIST

The United States National Institute of Standards and Technology (NIST) developed and/or certified AES, RSA, SHA-1 and SHA-2. NIST works closely with the NSA in the development of its ciphers.

Given the NSA’s systematic efforts to weaken or build backdoors into international encryption standards, there is every reason to question the integrity of NIST algorithms.

NIST has been quick to deny any wrongdoing (“NIST would not deliberately weaken a cryptographic standard”). It has also has invited public participation in a number of upcoming proposed encryption-related standards in a move designed to bolster public confidence.

The New York Times, however, has accused the NSA of introducing undetectable backdoors, or subverting the public development process to weaken the algorithms, thus circumventing NIST-approved encryption standards.

News that a NIST-certified cryptographic standard – the Dual Elliptic Curve algorithm (Dual_EC_DRGB) had been deliberately weakened not just once, but twice, by the NSA destroyed pretty much any existing trust.

Encryption

That there might be a deliberate backdoor in Dual_EC_DRGB had already been noticed before. In 2006 researchers at the Eindhoven University of Technology in the Netherlands noted that an attack against it was easy enough to launch on ‘an ordinary PC.’  Microsoft engineers also flagged up a suspected backdoor in the algorithm.

Despite these concerns, where NIST leads, industry follows. Microsoft, Cisco, Symantec and RSA all include the algorithm in their products’ cryptographic libraries. This is in large partbecause compliance with NIST standards is a prerequisite to obtaining US government contracts.

NIST-certified cryptographic standards are pretty much ubiquitous worldwide throughout all areas of industry and business that rely on privacy (including the VPN industry). This is all rather chilling.

Perhaps because so much relies on these standards, cryptography experts have been unwilling to face up to the problem.

Perfect Forward Secrecy

Perfect Forward Secrecy 01
One of the revelations in the information provided by Edward Snowden is that “another program, code-named Cheesy Name, was aimed at singling out SSL/TLS encryption keys, known as ‘certificates,’ that might be vulnerable to being cracked by GCHQ supercomputers.”

That these certificates can be “singled out” strongly suggests that 1024-bit RSA encryption (commonly used to protect the certificate keys) is weaker than previously thought. The NSA and GCHQ could therefore decrypt it much more quickly than expected.

In addition to this, the SHA-1 algorithm widely used to authenticate SSL/TLS connections is fundamentally broken. In both cases, the industry is scrambling fix the weaknesses as fast as it can. It is doing this by moving onto RSA-2048+, Diffie-Hellman, or  Elliptic Curve Diffie-Hellman (ECDH) key exchanges and SHA-2+ hash authentication.

What these issues (and the 2014 Heartbleed Bug fiasco) clearly highlight is the importance of using perfect forward secrecy (PFS) for all SSL/TLS connections.

This is a system whereby a new and unique (with no additional keys derived from it) private encryption key is generated for each session. For this reason, it is also known as an ephemeral key exchange.

Using PFS, if one SSL key is compromised, this does not matter very much because new keys are generated for each connection. They are also often refreshed during connections. To meaningfully access communications these new keys would also need to be compromised. This makes the task so arduous as to be effectively impossible.

Unfortunately, it is common practice (because it’s easy) for companies to use just one private encryption key. If this key is compromised, then the attacker can access all communications encrypted with it.

OpenVPN and PFS

The most widely used VPN protocol is OpenVPN. It is considered very secure. One of the reasons for this is because it allows the use of ephemeral keys.

Sadly this is not implemented by many VPN providers. Without perfect forward secrecy, OpenVPN connections are not considered secure.

It is also worth mentioning here that the HMAC SHA-1 hashes routinely used to authenticate OpenVPN connections are not a weakness. This is because HMAC SHA-1 is much less vulnerable to collision attacks than standard SHA-1 hashes. Mathematical proof of this is available in this paper.

The Takeaway – So, is Encryption Secure?

To underestimate the NSA’s ambition or ability to compromise all encryption is a mistake. However, encryption remains the best defense we have against it (and others like it).

To the best of anyone’s knowledge, strong ciphers such as AES (despite misgivings about its NIST certification) and OpenVPN (with perfect forward secrecy) remain secure.

As Bruce Schneier, encryption specialist, fellow at Harvard’s Berkman Center for Internet and Society, and privacy advocate famously stated,

Trust the math. Encryption is your friend. Use it well, and do your best to ensure that nothing can compromise it. That’s how you can remain secure even in the face of the NSA.”

Remember too that the NSA is not the only potential adversary. However, most criminals and even governments have nowhere near the NSA’s ability to circumvent encryption.

The Importance of End-to-end Encryption

End-to-end (e2e) encryption means that you encrypt data on your own device. Only you hold the encryption keys (unless you share them). Without these keys, an adversary will find it extremely difficult to decrypt your data.

Encryption

Many services and products do not use e2e encryption. Instead they encrypt your data and hold the keys for you. This can be very convenient, as it allows for easy recovery of lost passwords, syncing across devices, and so forth. It does mean, however, that these third parties could be compelled to hand over your encryption keys.

A case in point is Microsoft. It encrypts all emails and files held in OneDrive (formerly SkyDrive), but it also holds the encryption keys. In 2013 it used these to unlock the emails and files of its 250 million worldwide users for inspection by the NSA.

Strongly avoid services that encrypt your data on their servers, rather than you encrypting your own data on your own machine.

HTTPS

Although strong encryption has recently become trendy, websites have been using strong end-to-end encryption for the last 20 years. After all, if websites were not secure, then online shopping or banking wouldn’t be possible.

The encryption protocol used for this is HTTPS, which stands for HTTP Secure (or HTTP over SSL/TLS). It is used for websites that need to secure users’ communications and is the backbone of internet security.

When you visit a non-secure HTTP website, data is transferred unencrypted. This means anyone watching can see everything you do while visiting that site. This includes your transaction details when making payments. It is even possible to alter the data transferred between you and the web server.

With HTTPS, a cryptographic key exchange occurs when you first connect to the website. All subsequent actions on the website are encrypted, and thus hidden from prying eyes. Anyone watching can see that you have visited a certain website, but cannot see which individual pages you read, or any data transferred.

For example, the BestVPN.com website is secured using HTTPS. Unless you are using a VPN while reading this web page, your ISP can see that you have visited www.bestvpn.com, but cannot see that you are reading this particular article. HTTPS uses end-to-end encryption.

Secured website Firefox

It is easy to tell if you visit a website secured by HTTPS – just look for a locked padlock icon to the left of the main URL/search bar.

There are issues relating to HTTPS, but in general it is secure. If it wasn’t, none of the billions of financial transactions and transfers of personal data that happen every day on the internet would be possible. The internet itself (and possibly the world economy!) would collapse overnight.

For a detailed discussion on HTTPS, please see here.

Metadata

An important limitation to encryption is that it does not necessarily protect users from the collection of metadata.

Even if the contents of emails, voice conversations, or web browsing sessions cannot be readily listened in on, knowing when, where, from whom, to whom, and how regularly such communication takes place can tell an adversary a great deal. This is a powerful tool in the wrong hands.

For example, even if you use a securely encrypted messaging service such as WhatsApp, Facebook will still be able to tell who you are messaging, how often you message, how long you usually chat for, and more. With such information, it would be easy to discover that you were having an affair, for example.

Although the NSA does target individual communications, its primary concern is the collection of metadata. As NSA General Counsel Stewart Baker has openly acknowledged,

“Metadata absolutely tells you everything about somebody’s life. If you have enough metadata, you don’t really need content.

Technologies such as VPNs and Tor can make the collection of metadata very difficult. For example, an ISP cannot collect metadata relating to the browsing history of customers who use a VPN to hide their online activities.

Note, though, that many VPN providers themselves log some metadata. This should be a consideration when choosing a service to protect your privacy.

Please also note that mobile apps typically bypass any VPN that is running on your device, and connect directly to their publishers’ servers. Using a VPN, for example, will not prevent WhatsApp sending metadata to Facebook.

Identify Your Threat Model

When considering how to protect your privacy and stay secure on the internet, carefully consider who or what worries you most. Defending yourself against everything is almost impossible. And any attempt to do so will likely seriously degrade the usability (and your enjoyment) of the internet.

Identifying to yourself that being caught downloading an illicit copy of Game of Thrones is a bigger worry than being targeted by a crack NSA TAO teamfor personalized surveillance is a good start. It will leave you less stressed, with a more useable internet and with more effective defenses against the threats that really matter to you.

Of course, if your name is Edward Snowden, then TAO teams will be part of your threat model…

I will discuss steps you should take to help identify your threat model in an upcoming article on BestVPN.com. In the meantime, this article does a good job of introducing the basics.

Use FOSS Software

Ultimate Privacy Guide Illustration 03 01The terrifying scale of the NSA’s attack on public cryptography, and its deliberate weakening of common international encryption standards, has demonstrated that no proprietary software can be trusted. Even software specifically designed with security in mind.

The NSA has co-opted or coerced hundreds of technology companies into building backdoors into their programs, or otherwise weakening security in order to allow it access. US and UK companies are particularly suspect, although the reports make it clear that companies across the world have acceded to NSA demands.

The problem with proprietary software is that the NSA can fairly easily approach and convince the sole developers and owners to play ball. In addition to this, their source code is kept secret. This makes it easy to add to or modify the code in dodgy ways without anyone noticing.

Open source code

The best answer to this problem is to use free open source software (FOSS). Often jointly developed by disparate and otherwise unconnected individuals, the source code is available to everyone to examine and peer-review. This minimizes the chances that someone has tampered with it.

Ideally, this code should also be compatible with other implementations, in orderto minimize the possibility of a backdoor being built in.

It is, of course, possible that NSA agents have infiltrated open source development groups and introduced malicious code without anyone’s knowledge. In addition, the sheer amount of code that many projects involve means that it is often impossible to fully peer-review all of it.

Despite these potential pitfalls, FOSS remains the most reliable and least likely to be tampered with software available. If you truly care about privacy you should try to use it exclusively (up to and including using FOSS operating systems such as Linux).

Steps You Can Take to Improve Your Privacy

With the proviso that nothing is perfect, and if “they” really want to get you “they” probably can, there are steps you can take to improve your privacy.

Pay for Stuff Anonymously

One step to improving your privacy is to pay for things anonymously. When it comes to physical goods delivered to an actual address, this isn’t going to happen. Online services are a different kettle of fish, however.

It is increasingly common to find services that accept payment through Bitcoin and the like. A few, such as VPN service Mullvad, will even accept cash sent anonymously by post.Ultimate Privacy Guide Illustration 04 01

Bitcoin

Bitcoin is a decentralized and open source virtual currency that operates using peer-to-peer technology (much as BitTorrent and Skype do). The concept is particularly revolutionary and exciting because it does not require a middleman to work (for example a state-controlled bank).

Whether or not Bitcoins represent a good investment opportunity remains hotly debated, and is not within the remit of this guide. It is also completely outside of my area of expertise!

Source: Bestvpn.com

Modupe Gbadeyanka is a fast-rising journalist with Business Post Nigeria. Her passion for journalism is amazing. She is willing to learn more with a view to becoming one of the best pen-pushers in Nigeria. Her role models are the duo of CNN's Richard Quest and Christiane Amanpour.

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P2Vest, Others Invest $1.6m in Billboxx for Cash Flow Solutions

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Billboxx

By Dipo Olowookere

To tackle the critical cash flow challenges faced by Small and Medium Enterprises (SMEs) across Africa, investors like P2Vest, Norrsken Accelerator, Afrinovation Ventures, Kaleo Ventures, and 54 Collective (formerly known as Founders Factory Africa), have invested about $1.6 million into Billboxx.

The integrated billing-to-payment platform, founded in 2023, successfully closed the pre-seed funding round, which is a mix of debt and equity, due to its innovative approach and commitment to building a more financially secure future for SMEs – the backbone of the African economy.

Manual invoicing and deferred payments often result in delayed payments, stifling many SMEs, but Billboxx’s integrated billing-to-payment platform streamlines billing processes, reduces inefficiencies from manual invoicing and mitigates the impact of deferred payments.

By providing automated billing and invoicing, secure payment facilitation, and tailored cash flow financing, Billboxx empowers businesses to achieve consistent cash flow and focus on growth.

Since its inception, the company has facilitated over $4 million in invoice payments through its MVP launched in May 2023.

The platform boasts strategic integrations with a leading commercial bank in Nigeria, a prominent African payment gateway, and multiple lending partners, enabling seamless payment facilitation via bank transfers, cards, and financing options.

“Cash flow difficulties are the leading cause of business failures in Africa, with delayed invoice payments being a major contributor.

“Billboxx is dedicated to solving these issues with an integrated platform that ensures consistent cash flow and financial resilience for businesses.

“This funding round enables us to expand our impact and empower more SMEs to thrive,” the co-founder and chief executive of BillBoxx, Mr Justus Obaoye, said.

Another co-founder and chief technical officer, Mr Abdulazeez Ogunjobi, noted that, “Delayed invoice payments pose a significant threat to SME growth and survival.

“Our platform not only streamlines the billing-to-payments workflows but also offers strategic embeddings to expedite payments. We aim to alleviate payment concerns and allow SMEs to focus on their core business.”

One of the investors, Bongani Sithole of 54 Collective, said, “We’re enthusiastic about the innovative work the Billboxx team is building. These 3x founders with successful exits under their belts are leveraging their leadership and business experience to tackle a massive pain point for SMEs across Africa.

“We invested in the company due to the large market size of the opportunity, impressive early traction gained from strong early partnerships with notable large corporates and startups, and the solid tech product the team has developed. We’re delighted to back Justus and Abdulazeez as they continue to scale Billboxx.”

Mr Obaoye and Mr Ogunjobi previously co-founded two startups: Charistouch (Carido), successfully acquired by Cars45, and Fixit45, a spin-off from Cars45.

Their leadership experience in large corporations and scaleups such as Schlumberger, Bolt, and OLX add to their strategic insight and entrepreneurial prowess.

 

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The Rise of Web3 Developers: Why This Career Path is the Future of Tech

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Rise of Web3 Developers

As technology advances, the internet is undergoing a revolutionary shift toward decentralization. Known as Web3, this next phase of the internet is redefining how we interact with digital systems by emphasizing transparency, user ownership, and autonomy.

At the heart of this evolution are Web3 developers—professionals whose expertise in blockchain and decentralized systems is driving innovation and creating exciting new opportunities. Pursuing a Web3 career is not just about adapting to industry trends; it’s about shaping the future of technology. In this article, we’ll explore why Web3 developers are in high demand and how you can step into this promising field.

What is Web3?

Web3 represents the decentralized evolution of the internet. Unlike its predecessor, Web2, where centralized platforms dominate, Web3 leverages blockchain technology to create an ecosystem that is transparent, secure, and community-driven.

Some of the defining features of Web3 include:

  • Decentralization: Control is distributed among users rather than being concentrated in a single organization.
  • Transparency: Blockchain technology ensures that all transactions and operations are open and verifiable.
  • Automation: Smart contracts allow for self-executing agreements, reducing the need for intermediaries.

This paradigm shift has unlocked immense opportunities, particularly for developers who can create, manage, and enhance Web3 applications.

Why a Web3 Career is the Future

  1. Rapid Growth in Blockchain Technology

Blockchain is no longer just about digital currencies; its applications have expanded to include finance, healthcare, logistics, and gaming, among others.

This rapid adoption is driving an unprecedented demand for Web3 developers to build decentralized applications (dApps) and integrate blockchain solutions across various sectors.

  1. High Demand and Competitive Compensation

The demand for Web3 talent has outpaced supply, making it one of the most lucrative fields in tech. Web3 developers often earn significantly more than traditional developers due to their specialized skills.

Many roles offer remote and flexible working arrangements, enabling global opportunities.

  1. Opportunities for Innovation

Web3 is still in its infancy, making it a playground for innovators. From creating decentralized finance systems to building virtual economies in the metaverse, developers have the chance to work on groundbreaking projects that redefine industries.

Key Skills for a Successful Web3 Career

To excel as a Web3 developer, mastering certain skills is essential:

  • Programming Knowledge: Proficiency in languages like Solidity, Rust, or Go, commonly used in smart contract and blockchain development.
  • Blockchain Fundamentals: A deep understanding of how decentralized networks function and their architecture.
  • Smart Contracts: The ability to design and implement self-executing contracts.
  • Cryptography: Knowledge of encryption techniques to ensure security in applications.

Soft skills such as adaptability and problem-solving are equally important, given the fast-paced nature of the industry.

Benefits of Pursuing a Web3 Career

A career in Web3 comes with a range of unique advantages:

  • Global Reach: The decentralized nature of Web3 opens doors to international opportunities without geographical limitations.
  • Future-Ready Skills: Web3 expertise is increasingly sought after, offering a secure and sustainable career path.
  • Collaborative Ecosystem: Unlike traditional tech environments, Web3 thrives on open collaboration and community-driven development.
  • Freedom to Innovate: Developers have the flexibility to experiment and contribute to transformative projects.

Steps to Start Your Web3 Journey

Breaking into a Web3 career may seem challenging, but with a focused approach, it’s entirely achievable. Here’s how to get started:

Understand the Basics

  • Learn the core concepts of blockchain technology, decentralized systems, and smart contracts.
  • Explore educational resources, tutorials, and online communities for foundational knowledge.

Develop Technical Skills

  • Master programming languages and frameworks commonly used in blockchain development.
  • Familiarize yourself with Web3-specific tools and libraries to streamline your workflow.

Build Projects

  • Start small by creating basic decentralized applications or experimenting with smart contracts.
  • Showcase your work in a portfolio to demonstrate your capabilities for a potential employer.

Engage with the Community

  • Join forums, developer meetups, and hackathons to network with others in the field.
  • Stay updated on industry trends by following Web3-focused discussions and publications.

Continue Learning

  • The Web3 space is constantly evolving, so staying up-to-date with advancements is crucial.
  • Seek out certifications or courses to deepen your expertise and credibility.

Challenges and Future Outlook

While the opportunities in Web3 are immense, they come with challenges. The fast-evolving technology requires developers to continually upskill. Additionally, the regulatory landscape for blockchain and decentralized systems is still developing, which may introduce uncertainties. A Web3 career offers more than just a job—it provides a chance to shape the next wave of technological innovation. As industries embrace decentralization, the demand for Web3 developers will only grow. Whether you’re a seasoned tech professional or someone looking to enter the field, now is the perfect time to explore this exciting career path. By stepping into the world of Web3, you’re not just advancing your skills—you’re becoming part of a movement that’s redefining how we connect, transact, and collaborate online. The future of technology is here, and it’s decentralized. Will you be part of it?

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HubPharm Wins FCMB HERccelerate Women in Tech Programme

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HubPharm

By Adedapo Adesanya

HubPharm has emerged as the winner of First City Monument Bank (FCMB)’s HERccelerate Showcase Day held recently at Hub One, FCMB’s Innovation Hub in Yaba, Lagos.

The tech accelerator, powered by FCMB’s SheVentures and Hub One and delivered by 8thGear Hub & Venture Studios, was designed to empower women-led startups in Nigeria with the skills and resources needed to secure funding and scale.

HubPharm was the best out of 10 finalists with Midddleman, a platform simplifying payments for African e-commerce businesses sourcing from China coming second, while Onit, a productivity tool designed for African SMEs, secured third place.

The Showcase Day brought together the finalists selected from over 1,000 applications who pitched their innovative solutions to a panel of judges.

Ms Tope Kareem, the co-founder of the startup explained that HubPharm is a digital platform with a retail pharmacy chain which has delivered over 100,000 medications across 15 cities, ensuring 98 per cent on-time delivery with AI-driven logistics.

We plan to explore more options and ensure Nigerians, both at home and abroad, know the importance of prioritizing their health. This funding will enable us to keep growing and making an impact,” she noted.

Speaking on the HERccelerate initiative, Mrs Nnenna Jacob-Ogogo, Group Head of SheVentures, described it as “a testament to what we can achieve when we invest in women. While this is the first pilot of its kind, it is clear that women in tech have the talent, resilience, and vision to drive innovation.”

She also highlighted SheVentures’ broader impact, noting that over the past five years, they have “scaled businesses through four key pillars: access to finance, knowledge, markets, and networks. Our Zero Interest Loan program has provided over N800 million in funding to women entrepreneurs so far, an unprecedented achievement in the industry.”

The top 10 finalists will get free access to Hub One’s coworking space for a year, valued at over N5 million and will also be supported to scale their businesses.

FCMB’s HERccelerate programme is setting a new standard for supporting women in tech, with plans to accelerate over 200 startups in the next five years. By fostering innovation and inclusion, FCMB is shaping a brighter future for women entrepreneurs in Nigeria.

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