When the Automated Teller Machine (ATM) was introduced in Nigeria a few years ago many Nigerians enthusiastically embraced it. It was really a relief to know that in minutes you get your money without waiting in long queues. The ATM innovation was highly commended by Nigerians as it eliminates human bureaucracy and unnecessary waste of time. Many were particularly excited as it indicated that we were tending towards a cashless society.
Unfortunately, like most laudable ventures, it has been hijacked by miscreants who now turned the ATM system into a nightmare. By the acts of these criminals, the gains have paled into insignificance when compared with the losses experienced by innocent citizens. The novelty of the ATM system wore off speedily as many Nigerians count their losses.
Initially, the incidences witnessed were glossed over as part of the teething problems of e-payment system newly introduced to the Nigerian economy. But rather than reduced it increased daily as Nigerians discovered their deposits stolen by fraudsters. Special Fraud Unit (SFU) confirmed that ATM fraud is on the increase. The astronomical increase has been confirmed by the Central Bank which puts the losses to ATM related theft last year alone at hundreds of millions of naira. It is one of the major problems faced by bank in Nigeria and Inter Switch Limited the ATM Company in Nigeria.
It is regrettable that the ATM technology designed for the convenience of the customers and banks is causing discomfort for users and detracting from the credibility of the banks. A relationship that is meant to be based on trust is now characterised by mistrust and suspicion. It is ironical that people lose their deposits in the same place they took them for safe keeping.
Banks have on their part, persistently warned customers to maintain security of their Personal Identification Numbers (PIN) through advertisements, internal messages and other forms of communication. They claim that customers’ accounts could be tampered with only if they disclose their PINs to other parties. This is why, on most occasions, bank staff allege negligence on the part of the customers. Interswitch also has run public service announcements warning account holders to always be careful when using their ATM cards. Card users are warned not to disclose their PIN and report loss of card immediately.
It is frustrating to know that apart from the “shoulder surfing” technique where the fraudster memorises the PIN of a person using the machine as it is keyed in, there are other means they use to defraud people and even make the ATM dispense more money. It is shameful that Nigerians are reputed to be experts in the forgery of ATM cards that work like master keys.
These criminals, who are prodigiously talented in their act, sometime successfully duplicated the website of interswitch in an ingenious bid to gain access into bank customers’ accounts. They created a mirror website and sent scan messages to card users asking them to register their card details in the cloned site. They claimed Interswitch was upgrading its network. These criminals collected the card details of those who fell and accessed their accounts. In some cases, they unconscionably denied owners access to their accounts by changing the PINs.
In some cases, a skimmer, that is, a card reading device is installed on the ATM to harvest the card numbers and PINs of unsuspecting users. The skimmer is disguised to look like normal ATM equipment. It is mounted in front of the normal card slot that reads the information in the ATM card. At the same time, a miniature camera is disguised to look like a leaflet holder and is mounted in a position to view ATM PIN.
Banks and Interswitch have employed various measures to unmask the perpetrators of this fraud to put an end to this menace all to no avail. More to the chagrin of ATM users, Interswitch, the electronic transaction switching and payment processing company patronised by the banks for inter-bank connectivity, say that ATM fraud is not their liability because the accounts are not wired to them. They claim that there is to ensure that transactions are smooth irrespective of the bank used. They say issues of money lost in the course of ATM use should be sorted out between the banks and customers.
The rise in ATM fraud level is indeed threatening the continual usage of the ATM as more customers are refusing to take advantage of the service. Some have even suggested that banks stop issuing ATM cards if they can not handle the attendant problems and losses. There are customers that were irked to the point of closing their accounts. The ATM system have been alleged to be highly porous and easy to hack into.
Consequent upon the foregoing, it has become imperative that something be done to make ATM safe, secure and risk free. Banks and Interswitch should device ways and means of reducing this evil significantly. Tips should also be sought from developed nations on how they handle frauds of this nature.
Nigerians are still hopeful as most banks have heed to the order of the CBN that they move from the magnetic stripe protected ATM cards to a more advanced ATM card protected with electronic chip. Banks have now stopped the issuance of the current ATM card which is susceptible to cloning. The micro chip based ATM card is described as a more intelligent device and difficult to clone. Experts believe that a quick migration by ATM users and maintenance of the secrecy of PIN by customers could provide a lasting solution to the menace of ATM fraud in Nigeria.
There is no gain saying that the advent of the ATM has helped to encourage and deepen banking culture in Nigeria. It is also, highly beneficial in emergencies, not to mention convenience. The enthusiasm displayed by many Nigerians for the electronic cash payment system is quite encouraging. This should not be allowed to wane by fraud in the payment system. All stakeholders should join hands to ensure the sustainability of this technology which is obviously of immense benefit.
The Fuel Subsidy Removal Plan
The contract between the estate where I live and the facility manager will expire in a couple of days. The manager is interested in having the contract renewed but the executive members of the estate’s residents’ association wouldn’t unilaterally decide on whether to renew the contract or not. The opinion of all the residents must be sought before such an important decision is taken. In view of that, an online questionnaire was created to enable the residents to assess the performance of the facility manager and decide whether the estate should continue with its services or not.
Hardly anything is done in the estate without the opinion and support of the residents being sought and, that way, there is cooperation of virtually everyone in developing the estate and solving whatever challenge the community may face. I have no doubt that a similar scenario plays out in many other estates in different parts of the country.
Looking at what happens in the larger society, especially in the political sphere, one wonders why our political leaders cannot adopt this democratic way of doing things in the administration of our local government areas, states and the nation. Why are Nigerian citizens rarely given the opportunity to have a say on how things are done in the country?
Often, projects or programmes are initiated without first feeling the pores of the people for whom those projects are meant. Many times the government’s mindset towards certain issues in the country or some government plans are made known either during interviews outside the shores of the country or at other public functions.
Let’s take a look at the current controversy over the government’s plan to remove fuel subsidy and payment of N5,000 transport grant to poor citizens of the country. The Minister of Finance, Budget and National Planning, Zainab Ahmed, released the bombshell during the launch of the World Bank Nigeria Development Update (NDU) last week. The reactions that have trailed the disclosure indicate that the necessary consultation and reaching out were not done before the announcement.
Otherwise, how can the National Assembly, the representatives of the people, not be aware of the proposal? The Chairman, Senate Committee on Finance, who described it as a rumour, told newsmen: “if there is something like that, a document needs to come to the National Assembly and how do they want to identify the beneficiaries. This is not provided for in the 2022 budget proposal, which is N2.4 trillion”.
The Nigerian labour leaders also expressed shock over the minister’s announcement because according to them, it was a unilateral decision without the input of Labour. In the words of the Secretary-General of the Trade Union Congress of Nigeria (TUC), Musa Lawal, ”We are surprised and shocked with the government’s pronouncement. We do not know how the government came about it. The government is calling for trouble if they think they can go ahead with subsidy removal without labour. The Presidential Committee made up of government representatives and Labour has not concluded its assignment. Our last meeting was in April. This new position is totally unacceptable to us”.
My point is that governments at various levels in Nigeria should begin to make deliberate efforts in carrying the people along in whatever they do. Opinion of the people should count. This will reduce a lot of friction between the leaders and the led and help in building trust between the two parties and a better nation.
Why can’t the government use every means possible to sensitise and educate the citizens on the benefits or otherwise of fuel subsidy removal. A lot of people are asking the criteria that will be used to determine who the ‘poor citizens’ are; how the decision to give payment of N5,000 each to about 40 million citizens came about and others; and it is the duty of those in power to provide sincere answers to these questions before going ahead with the project.
It is the responsibility of the leaders to convince Nigerians that the proposed N5000 monthly stipend will not go the way of other social intervention schemes of the government like conditional cash transfer, tradermoni, COVID-19 palliative, free school feeding and many others.
Some useful suggestions have been made on how to cushion the effect of subsidy removal should it materialise instead of the paltry sum of N5,000 which, by the way, the Minister of Finance said is not going to last for more than a year. One of them is that the government should deploy such funds to free medical services and free transport schemes for the target category of citizens. Nothing could be as reliving to a poor farmer for instance, as knowing that there is free movement of his goods from the farm to the locations where they will be sold and that he is sure to receive free, quality medical attention when faced with a health challenge. Government must listen to this strong view.
That being said, one thinks the labour unions, the students’ union and other bodies and individuals kicking against the total removal of subsidy should try to engage properly and consider the long term benefit of the removal. Many business men, economic experts and players in the oil sector have posited that the gains of the removal far outweigh its retention, that though the initial hardship will be inevitable, in the long run, Nigerians will be better off just as it is currently happening in the telecommunications industry.
The Director of Green Zeal Oil and Gas Ltd, Mr. Christian Wigwe in a chat noted that as long as the government continues to subsidize the importation of fuel, the Nigerian oil sector will never develop. He observed that none of the International Oil Companies (IOCs) licensed to operate in Nigeria has been able to build refineries in the country because it is not profitable owing to the fact that the government subsidises the importation of fuel from other countries.
He opined that if we do not take the bull by the horn now, stop the subsidy and grow our economy, if we keep borrowing money from all corners of the planet to run the country while also collateralising the loans with public infrastructure, a time will come when our creditors will take over the railways, the airports and other collateralised infrastructures and the cost of transportation we are running away from will be ten times what it is today.
By: Calista Ezeaku
Wailing Women Of N’ Delta
Whenever a group of concerned women wail aloud in public, obviously such gesture portends a message that should be taken seriously. The wailing women of Niger Delta embarked on a public protest, with a release of the audit report of the Niger Delta Development Commission (NDDC), as a major issue of their protest. There was, indeed, a Forensic Audit of the NDDC whose report has been an issue of foot-dragging. From the grapevine and the gossip mill, the true contents of that report describe the NDDC as a milk cow monopolised by non-Niger Delta power blocks.
The wailing women of Niger Delta, as mothers and home builders that they are, obviously fed the pangs of the agony and apprehension of the Niger Delta people. A part of the agony and apprehension of the people is the fact that the resources of their homeland have been monopolised by stronger power blocks and interest groups, through various strategies. Such current strategy is a Bill for an Act to amend the NDDC for the inclusion of new oil producing areas and states which do not belong to the Niger Delta zone, namely: Bauchi, Lagos and Ogun States.
Like the politics and economics of the Petroleum Industry Act (PIA), the NDDC may follow a similar strategy of serving the interests of stronger power blocks, while the Niger Delta people continue to be marginalised. The Tide Editorial comment of Monday, November 22, 2021, stated that “each time the minority stand to benefit from a policy or law in the country, it will be blubbered and invalidated”, Can it be true that there is a “systematised move by the Federal Government to extirpate the region”?
The wailing women of Niger Delta, as a protest group, was said to have been invited by the police authority, perhaps to forestall the possibility of their protest being taken over by miscreants or bandits. It was good enough that the protest over non-release of NDDC forensic audit report did not result in any sad experience. Such sad experience can include another group of commercial protesters supporting non-release of the NDDC forensic report, thus resulting in some clash among two protesting groups. Obviously the police would not keep quiet when protests become violent.
It has become clear to discerning Nigerians that there are not only commercial and sponsored protesters who can be hired by interest groups, but there are also commercial and sponsored callers on radio programmes. The goals and intentions of such hired groups of people are not difficult to discern, but what is a sad is the danger which such a strategy can portend, with regards to national security. Like the Lekki-Gate incident, which has become a national and international controversy, a peaceful protest can be infiltrated or taken over by hired hoodlums.
For the people of Niger Delta in particular, the oil and gas resources of that region have placed them in the position of endangered people. The aforementioned editorial of The Tide hit the nail at the head, saying: “the NDDC confirms the age-old view that the region has indeed become a toy to be played with by some Abuja politicians and the Federal Government”. The plight of the Niger Delta people was recognised long before 1960, which was why a Willink Commission Report of 1958, recommended a special interventionist programme.
Unfortunately, in line with the peculiar politics of Nigeria, the establishment of a Niger Delta Basin Development Authority (NDBDA), resulted in a replication of various regional Basin Development agencies, for interventionist purposes. Now, since NDDC cannot be replicated in a similar manner, the strategy had been to turn it into a “milk cow” to serve the interests of other power blocs. An attempt by Senator Godswill Akpabio to name beneficiaries of NDDC largesse was halted through shouting him down on the floor of the Senate. Anyone would wonder how long this clever cheating style would continue, with the people of Niger Delta being considered as cowardly or pawns that can be bought and sold.
The wailing women of Niger Delta, apart from asking for immediate release of details of the NDDC forensic audit report, also demanded that the NDDC should remain to address the biting environmental challenges of the people. Those who knew the inside story of the predecessor of NDDC (OMPADEC), would tell us that it was under the control and stranglehold of non-Niger Delta a power bloc. For a similar pattern to repeat itself again would mean that there are some powerful interest groups that do not mean well for the Niger Delta people. Considered stupid?
The story of Oloibiri, where mineral oil was first exploited in commercial quantity over 70 years ago, tells the story of the Nigerian political economy clearly. It is the sad story of ravishing a fair lady in her youth and leaving her destitute and haggard in her old ago, with a “Christmas Tree” planted in her old hut as a reminder of her thankless services. Anybody who knew Oloibiri 1951 would not see much difference in 2021, except the presence of a “Christmas Tree”! To mock!
It would pay the managers of the affairs of this country and their advisers better if they would adopt the policy of fairness and justice as the means of addressing nation-building project. Enthronement of a predatory political economy has never been known to be a helpful system of social engineering, because it breeds parasitism and lingering insecurity.
Hiding or refusing to publish the forensic audit report of NDDC would not show commitment to openness, integrity or accountability. Rather, to delay or alter it would fuel the feeling of the Niger Delta people that they are not getting a fair deal in the Nigerian federation. Would that not add to the growing agitations in the country? With an expectation of a rise in the price of petroleum products next year, whose effects the government intends to address by paying N5,000 monthly to the “poorest of the poor”, how many of the 40 million poor people would come from Niger Delta? Would that not give room for corrupt practices?
How sound is it to remove fuel subsidy, increase fuel price and pay 40 million people the sum of N5,000 every month, and yet retain the practice of free fuel for a large number of political office holders? Managers of the Nigerian affairs can do much better by blocking leakages and sources which would create loopholes for further corruptions. Wailing women of Niger Delta are saying that transparency is better than allowing people to speculate what is going on.
By: Bright Amirize
Dr Amirize is a retired lecturer in the Rivers State
University, Port Harcourt.
2023: Aso Villa, Not Sick Bay
Even as its clinic may possess some of the best health facilities a Third World state house can possibly afford, I still doubt that the Aso Rock Presidential Villa in Abuja was designed to cope with some of the serious medical conditions our leaders discreetly convey to the place.
Chapter IV, Part I, Section 131 of the 1999 Nigerian Constitution (as amended) spells out the requirements for election to the Office of the President. They are as follows: citizenship of Nigeria by birth; attainment of 35 years of age; membership of a political party which must be the sponsoring party; and education up to at least School Certificate level or its equivalent.
But even a possession of all these still does not qualify anybody who engages in any one of a plethora of some other never-dos, including presentation of a forged certificate to the Independent National Electoral Commission (INEC). Or, election to such office at any two previous elections. Or even failing to resign from a civil or public service position at least 30 days before election. Disappointingly, in all of the nearly one dozen of these extra conditions, only one directly pertains to a candidate’s health status. And what does it say? Quite simply put – that the person is not adjudged to be a lunatic or otherwise declared to be of unsound mind. Really? Not even through a mandatory professional psychiatric evaluation? Haba, Nigeria!
I still recall that, as a prospective student seeking admission into a unity school in 1974, I was required to present a medical examination report from a government hospital. Also, as a JAMBite five years later, I was requested to go for medicals at my university’s medical centre. And of course, I couldn’t have secured my present employment in the civil service without satisfying a similar condition. It is also common knowledge that this is equally applicable in reputable private sector organisations. So, how come students and workers in Nigeria are required to compulsorily undergo medical examinations to ascertain their fitness for the tasks ahead whereas no such condition is listed for a prospective occupant of the highest and most prestigious office in the land? Have Nigerians opted to remain this naïve or are we indeed a cursed people?
Even in the twilight of military dictatorship in this country, it was mostly a handover of power from one sick leader to the other. In short, of the seven Nigerian heads of government that have so far taken up residence in the Aso Rock Villa since General Ibrahim Babangida hurriedly relocated the seat of power from Lagos in 1991(after a serious jolt from the Major Gideon Orkar-led coup the previous year), only General Abubakar Abdulsalami and Dr Goodluck Jonathan had stepped in there looking healthy and also exited the place in seeming good health.
Babangida was already on record as having been seriously injured in 1969 when a battalion he led encountered heavy Biafran offensive during a reconnaissance operation somewhere between Enugu and Umuahia. He was said to have declined surgery to remove a bullet shrapnel from his knee. But several years later, while in the Villa, the self-styled Evil Genius was known to have alternately travelled to France and Germany to seek medical relief. There were several pictures showing when he got stuck in-between strides with his trade mark gap-toothed smile failing to hide the agonies of a Nigerian military president. It was really pitiable, to say the least.
Next was his successor, late Gen. Sani Abacha, whom the then radical Tell magazine on September 8, 1997 reported as suffering from liver cirrhosis – a serious condition that often results to death. While Abacha’s secret police went after the magazine’s editor, Nosa Igiebor, and members of his household, The News, another dare-devil publication, picked up from where the former left off – reporting how medical experts were secretly flown in from Israel and Saudi Arabia to tend the nation’s seriously ailing but still pretentious generalissimo. Even marabouts from some North African countries were rumoured to have been brought in to pray for him. He reportedly died of suspected food poisoning in the hands of some young Indian belly dancers in 1998.
Abacha was succeeded by Abdulsalami whose administration is still reputed to be the second military regime (after Obasanjo’s in 1979) to successfully complete a transition process and hand over power to a civilian democracy in Nigeria. For want of a trusted person who would serve to assuage the Yoruba over Abiola’s death while in detention, Obasanjo was literally released from certain death (sorry, prison yard) by Abdulsalami to run for election on the ticket of the new Peoples Democratic Party (PDP), after the demise of Abacha who had incarcerated him for joining his NADECO Yoruba brethren to criticise the late general’s regime. Frankly speaking, and to those who knew him while he reigned as military head of state, Obasanjo was still a shadow of his former self when he moved into the Presidential Villa in 1999.
Then entered Alhaji Umar Yar’Adua and, a little later, General Muhammadu Buhari (rtd) both of whose checkered medical stories we already know.
Now, with the 2023 General Elections fast approaching, there have been moves – even if still hazy – by individuals and groups touting the names of their political godfathers as promising presidential hopefuls. But I am seriously concerned that one or two of those names belong to persons who are already as old, sickly and looking worse than the incumbent president’s condition when he returned from his 50-day extended medical vacation in 2017. At that time, Buhari had looked rather too ghostlike that some Nigerians doubted their president and began to reconsider detained IPOB leader, Nnamdi Kanu’s Radio Biafra description of him as a surrogate Jubril from Sudan.
For me, and regardless of their professed leadership acumen, any seriously ailing Nigerian politician who conceals his affliction while campaigning to occupy the Aso Villa is like a confirmed HIV patient who opts to proceed on a raping spree. It is the height of corruption, criminality and wickedness.
Fellow Nigerians (yes, let me sound like them), there is no better time to wake up to this ugly reality than now. We’ve had it up to our neck. Thank you.
By: Ibelema Jumbo
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