Our ATM And The Fraudstars
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.
A Very Long Way To Go
Are not Nigerians happy when Nigerians are elected into political offices in other countries of the world? Do we not roll out our drums to celebrate whenever news breaks of Nigerians in foreign land making remarkable achievement in their field of endeavour? From America to the United Kingdom, to Canada, stories abound about how young Nigerians are excelling in various areas, including politics.
In the recent contest for the office of the Prime Minister of the United Kingdom, a 42-year-old British-Nigerian, Kemi Badenoch, was among the top five contenders from the Conservative Party. Badenoch, the current International Trade Secretary and Minister for Women & Equalities had enjoyed the support of the British and non-British in the country since her foray into politics in 2005. Her race or skin colour has been inconsequential in climbing her political ladder.
In 2020, Charles Onyejiaka made history on the international scene as the first-ever West African to be elected deputy mayor of Franklin Township, Somerset County, New Jersey, United States. The story was the same for Ayo Owodunni, who last year, was elected the first black Councillor in Kitchener, a city in the Canadian province of Ontario. The list is endless. And for attaining political height, Nigerians, both the leaders and the led, usually laud their achievement and eulogise them for making Nigeria proud in foreign lands.
Ironically, the same politicians and citizens that celebrate the political exploits of their tribes’ men, friends, former colleagues and other Nigerians in the diaspora, intimidate fellow Nigerians from outside their states, tribes, religion or political parties and deny them the opportunity of casting their votes for their preferred candidates or realising their political aspirations.
Penultimate Saturday’s Governorship and State Houses of Assembly Election in most states of the country brought the worst out of some politicians in some states. They unleashed terror on innocent people to scare and suppress them. In Lagos State, the Parks Management Committee Chairman, Musiliu Akinsanya, popularly known as MC Oluomo, in a viral video warned Igbos in the state ahead of the governorship election that “If they don’t want to vote for us, it is not a fight. Tell them, mama Chukwudi, if you don’t want to vote for us, sit down at home. Sit down at home.”
Incidentally, instead of taking the necessary action to forestall such a threat from being carried out and cautioning him the Nigerian Police Force described the threat as a joke saying that nobody has the right and audacity to tell Nigerians not to come out and vote and that it would not be allowed. But reports and video clips of what transpired at polling units across the state are there for everyone to read and watch. A popular Nigerian Singer, Waje, was in tears when she was describing her ordeal in a video.
In some other states, people were killed, maimed and assaulted for daring to come out to choose candidates of their choice. The United States Embassy in Nigeria aptly described the violent voter intimidation and suppression that took place during the polls in Lagos, Kano and other states as deeply disturbing, adding that the use of ethnically charged rhetoric before, during, and after the gubernatorial election in Lagos was particularly concerning.
What is the essence of democracy if the citizens are not allowed to perform their civic responsibility? How can the nation move forward if the constitution which gives every Nigerian the right to reside and own property in any part of the country is not respected? It is more painful when respected people in the society defend the indefensible, castigate and spread hate speech about people of other ethnic groups in their states.
Some people leave their states due to the dearth of federal government projects in their states. Not long ago, Rivers State Governor, Nyesom Wike, lambasted the federal government for concentrating all the sea ports in Lagos.
Speaking during the maiden delivery of Liquefied Petroleum Gas (LPG) to downstream investor, Stock Gap Terminal by the Nigeria Liquefied Natural Gas (NLNG) Bonny, he reportedly asked why the State should undertake the dredging of Bonny channels while the federal government collects all the revenues and levies from marine operators, lamenting that “you (FG) are building a new port in Lagos, but those in Rivers you rendered idle, grounded with no development attention.”
The Olu of Warri, His Majesty, Ogiame Ikenwole, toed the same line with Wike when he led a delegation of members of his kingdom to Abuja for a meeting with President Muhammadu Buhari recently. He appealed to the federal government to hasten action on the rehabilitation of Warri and Koko ports in Delta State so as to minimise the incidence of restiveness and rejuvenate economic activities in the area. He decried the deplorable state of the ports which he said had been abandoned by the government, noting that the ports were very good and solid ports left unused.
Similarly, in the twilight of his administration, the former governor of Lagos State, Akinwunmi Ambode , appealed to the Federal Government to ensure that seaports in other parts of the country become functional as a way of decongesting Apapa Ports and by extension, Lagos State. He argued that besides helping the government to save funds spent on managing the traffic and regular repair of roads damaged by articulated vehicles, this will end the gridlock caused by trucks and trailers on the Apapa-Oshodi route.
The point being made is that aside from having the constitutional right to reside, do business and own property in any part of the country, many people are forced to leave their states to Lagos because of the over concentration of economic activities in that part of the country. One need not remind those beating ethnic drums that Lagos being a former capital of Nigeria implies that people from all parts of the country would be found in reasonable numbers in that city.
Some of these people have invested heavily there and contributed immensely through payment of taxes and others to make Lagos what it is today. Some of them have married and given their children and relations in marriage to their Yoruba “brothers and sisters” and all of a sudden, because of some selfish, political reasons, they are declared persona non grata and their property and means of livelihood destroyed daily. Where will such an attitude lead us to, as a nation?
The most worrisome thing is that stories have not been read about the perpetrators of these acts, their sponsors or those dishing out hate speeches and write – ups against the Igbos being apprehended by the police or even invited for questioning. Given, some Yoruba people, including the president-elect, Bola Tinubu, are said to have condemned the ugly development and sued for peace. But how can there be peace when no culprit is punished?
As the US embassy admonished, “We call on Nigerian authorities to hold accountable and bring to justice any individuals found to have ordered or carried out efforts to intimidate voters and suppress voting during the election process.” This should not be restricted to Lagos State alone but all states where similar acts took place.
Many Nigerians believe in the indivisibility of the country. As the saying goes, we are better, stronger as one. But to maintain this strong, united country, every citizen, every tribe or religion must be accorded their rights as enshrined in the 1999 Constitution of the country (as amended). Every citizen must be protected.
There is no better time than now to consider the agelong call for the practice of true federalism in Nigeria which will bring about rapid development of various zones, both economically, infrastructurally and otherwise, thereby reducing the drifting of many people to other parts of the country in search of means of livelihood. Continuing on the trajectory of envy, hatred and ethnic and religious bigotry will only take the country further away from civilisation.
By: Calista Ezeaku
·Ethnicity, Religion, Poverty And 2023 Elections
The weaponisation of ethnicity, religion, and poverty, has become a part of the bane of the 2023 political landscape in Nigeria. Interestingly, these have come to the fore again and again mostly in election season and in various categories of appointment. Friends become foes, colleagues become antagonistic of one another. Erstwhile friendly communities and associations resent one another.
Debates have become less issue- based, higher on ethnicity, higher on religious grounds and flamboyantly expressed to the poor as “we are one of you”. Can political actors be more civil? Can they be more demomocratic, can they be more maliable?. Of course they all should. Citizens, it begins with you and me before any politician or government official.
Should ethnicity increase or reduce our ability to lead or govern? Should people not develop themselves? What has our religion got to do with leadership except to enhance it. Will a morsel of bread satisfy you more than a day? Let us now develop a mid-range to long term consciousness for our societal development.
We should rise up from within us, to say this trend must change. It is an ill wind that blows no good. Youths, market women, mothers, fathers, civil societies, do not accept this tripartite mantra of ethnicity, religion and poverty hoisted on our faces. Let us be more patriotic in our dealings with one another, for there are two sides of a coin.
Joseph de Maistre once said: ‘Every country has the government it deserves’. Leaders should shun executive rascality in our polity. Allow people to have some freedom in deciding how to behave and think. Allow for the rule of law. Do not use violence to stop other citizens’ aspirations or affiliations. Use your offices to stop the violence, threats, kidnappings of perceived enemies. We have one nation, though tribe and tongue may differ, in brotherhood we stand.
Elections must not be a do or die affair. Like our ex-president Jonathan says, “nobody’s ambition is worth the blood of any citizen of Nigeria”. Allow for successful elections. Let the electoral umpire always stay apolitical and true to their conscience. We can become a more developed economy, we can truly rise up as the giant of Africa.
The Great Awolowo said, “ a day is coming when Nigerian masses from the North and South, Christians, Muslims and Animist will stand as a force of progress and unity to kick against rigging, corruption and tyranny. Citizens must learn to vote their conscience, vote performance, vote integrity, not religion, not ethnicity, not poverty because Nigerian citizens are the architect of the future of a blissful Nigeria.
Dr Obibi wrote in from Port Harcourt.
NYSC And 50 Years Of National Unity, Cohesion
The National Youth Service Corps (NYSC) has become one of the most revered Federal Government-established schemes that has done the country proud in all respects. It was created by Decree No 24 of May 22, 1973, promulgated by the military regime of the then head of state, Gen Yakubu Gowon,”to keep Nigeria one.” The scheme was primarily conceptualised to strengthen the national cohesion and integration, so that the already fractured nation could be more bonded in all spheres. Without being immodest, NYSC has helped to revitalise the affinity among diverse nationalities of the Nigerian nation and bolstered the values of respect for the culture, religions and customs being practised by each of the ethnic groups.
Though there might be some hiccups in the operations of the scheme since inception, it has relatively lived up to its biddings in some noticeable aspects of our national life. The country can not forget the pivotal roles played by NYSC in managing the post traumatic stress disorder suffered by some Nigerian citizens during the post civil war era. Since then, the NYSC had been a leveller, creating balance across the multi-ethnic Nigerian nation and sending a strong signal that Nigerians are brothers regardless of the noticeable difference in our culture, customs, religions, creeds and political leanings. It has been a spiralling binding force, warding off the cankerworms of mutual distrust, suspicion, class differences, hatred, superiority and inferiority complexes, and all manners of social malaise serving as tremors quaking the country’s foundation since its independence in 1960.
Besides unity, economic prosperity of nation is vital to the survival and wellbeing of its citizens. Under this context, the NYSC scheme has been a strong weapon providing employment for countless Nigerian professionals from all respectable fields of human endeavours. Many of the graduate participants are employed into public and private sectors, thereby rejigging the economy and making it more responsive. Thousands of participants deployed in many states, had got the opportunities of securing permanent jobs after the expiration of their service years. In many developing economies, rural-urban drift had always been the most economic challenge confronting them. But with the advent of NYSC, government has been able to stem the tide to a large extent.
A vivid dissection of how the scheme was being prosecuted connoted the fact that bulk of the participants is deployed in the rural areas. With this, government at all levels has focused attention on the development of the rural sector, so that the corps members can be more comfortable to serve and live among the rural dwellers. The scheme also serves as a unique opportunity for training for leadership. Opportunity is given to corps members to become self-disciplined and capable of becoming future reliable leaders of the country. In fact, the conduct of the scheme is designed to infuse discipline and self-reliance in the participants. Good leadership would without no doubt help a country to achieve socio-economic advancement, all things being equal.
This is because the kernel of the scheme is to ensure that the participating graduate youths are self reliant, disciplined, and responsible and to nurture the true spirit of nationalism. However, in spite of the myriad of benefits inherent in the scheme, it has been confronted with a lot of snags. The challenges of kidnappings, killings, insurgency, social unrest and banditry being experienced, coupled with religious and ethnic strife, propelled agitations in many quarters that the scheme should be scrapped. A copious example was the 2011 general elections’ gory events of killings and maiming of many corps members in some states in the country due to spontaneous violence that dogged the presidential polls of that year.
Many of the participants had also fallen victims of kidnappings and carnages on roads, thereby portraying the scheme as gradually outliving its usefulness. Another devastating trend is the lukewarm and unreceptive attitudes and dispositions being exhibited by participants to their posting to some certain parts of the country, due to pervasive social mistrust that is gaining traction in the country. Unlike in the past, when corps members preferred to be posted to other parts of the country, so that they could go get familiar with their culture, customs and nuances, such spirit is gradually fading out and threatening the potency of the scheme and viability to live up to the buildings of helping to foster relationship, oneness, togetherness, unity and integration across the country.
This forms part of the agitations that the scheme should be phased out or made optional.
A critical analysis of the pros and cons of the NYSC scheme since inception shows that its benefits actually outshine its demerits. I share the humble opinion that the scheme should be fortified rather than scrapped, as is being agitated by some interests. The government should look for ways to introduce leadership training, skill and entrepreneurial training into the programme to be able to confront the current economic reality of today. To further serve as a boost to the scheme, the Federal Government should establish small scale businesses that can make participants really self-reliant after their compulsory one year service to the nation.
This remains one of the ways to bolster the interest of Nigerians in the scheme and cut down agitations that it should be scrapped or made optional. In conclusion, NYSC in the last 50 years has been a strong instrument of national integration and cohesion. It has helped to strengthen our togetherness. I give kudos to our past heroes who conceptualised this lofty idea in their intention to invigorate Nigerians’ patriotic spirit. And I believe that, for the labour of these past heroes not to be in vain, the best the current government owes them is to sustain the scheme and make it more responsive in the discharge of its duties for national stability.
By: Dalimore Aluko
Aluko is an online media contributor.
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