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June 08.2025
3 Minutes Read

Understanding the Impact of USSD Charges Now Directly Deducted from Airtime

Display of USSD code screen with NCC logo indicating airtime deduction process.

Understanding the NCC's Bold USSD Charge Directive

The recent directive from the Nigerian Communications Commission (NCC) has ignited vigorous debates across the telecommunications and banking sectors. The move to have USSD service charges directly deducted from airtime rather than via bank billing is causing ripples in the way consumers manage their finances, especially in a country where mobile technology is a lifeline for many. But what does this actually mean for the average user, and how does it reflect the ongoing tumultuous relationship between banks and telecom providers in Nigeria?

In 'New NCC Directive: USSD Charges Now Deducted Straight from Airtime', the discussion dives into the significant changes in how USSD charges will be applied, raising critical insights that warrant a deeper analysis.

A Shift in the Payment Paradigm

The NCC's decision stems from a protracted dispute over the handling of USSD charges, a crucial technology that has allowed mobile banking and money transfers to flourish in Nigeria. Previously, banks were responsible for collecting fees associated with USSD transactions, which often led to a lack of transparency and accountability on both sides. This new directive effectively shifts this responsibility back to telecom operators, who argue that they maintain the infrastructure necessary for USSD transactions.

Why Now? The Context Behind the Directive

The timing of this directive is pivotal. With telecom companies claiming their share of the financial pie amidst growing transactional volumes — estimated to reach a staggering 2.16 trillion naira as of last year — the NCC is positioning this move as a way to eliminate ambiguity in charges and enhance transparency. However, critics argue that this drastically shifts the burden onto consumers, who are unexpectedly bearing the costs directly, especially as inflation continues to rise.

Impact on Users: What Lies Ahead?

For the average Nigerian, the ramifications of this directive are twofold. On the one hand, this system may bring clarity as users will clearly see what they are being charged for every transaction. However, with a large portion of the population already grappling with economic pressures, the decision to charge airtime instead of through bank transactions may discourage usage among lower-income individuals who rely heavily on mobile banking—particularly small business owners and artisans. As a result, the data suggests there could be a decline in USSD usage, as these groups might find it increasingly difficult to justify the added costs per transaction.

Addressing the Tension: Can Banks and Telcos Collaborate?

The fraught relationship between banks and telecom companies in Nigeria has been marked by assertions of entitlement over USSD fees. Historically, banks contested that they played a vital role in the technology's adoption; yet, the telcos assert that they are the ones who built and maintain the necessary infrastructure. The NCC's directive reflects an attempt to alleviate this stalemate by ensuring that both parties are accountable for their roles in facilitating mobile transactions. As a result, the question remains whether this will foster collaboration or deepen existing tensions.

Is There a Future Beyond USSD?

Considering advances in technology, the long-term relevance of USSD is increasingly under scrutiny. With greater smartphone penetration and the availability of internet-enabled financial solutions, the trajectory could indicate a gradual phase-out of USSD technology. However, given that many Nigerians still lack access to smartphones or reliable internet, it is likely that USSD will remain a key transactional tool for the foreseeable future.

Conclusion: Call for Consumer Empowerment

As stakeholders navigate these changes, it is crucial for consumers to stay informed and adaptable. Holding both banks and telecom operators accountable for providing a service that is efficient and financially fair will be vital. This directive from the NCC is a mere stepping stone towards greater accountability and transparency within Nigeria's burgeoning digital financial landscape. Consumers must remain vigilant and advocate for services that truly cater to their needs and financial reality, demanding better from their service providers.

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Amidst Alleged Coup Attempts, Mali's Democratic Space Shrinks Further

Update Overview of the Current Situation in Mali The political landscape in Mali has been shaken by the recent arrest of dozens of soldiers allegedly involved in a plot to overthrow the military government. This recent wave of arrests has drawn attention to the fragility of the current regime led by General Asim Goita, who has been in power since a coup in 2020. Reports indicate that key military figures, including top generals, have been detained, raising questions about the internal dynamics within the military hierarchy and the potential risks of further instability in a country already strained by insecurity and conflict.In 'Mali on Edge: Soldiers Arrested Over Alleged Coup Plot', the discussion centers on the increasing political tensions in Mali, leading us to delve deeper into the complexities surrounding governance, military power struggles, and their implications for the future. The Stranglehold on Democracy Mali's military government has been criticized for its heavy-handed approach to opposition and dissent. The recent arrests are part of a broader crackdown on political expression, where political parties have been suspended and prominent figures face detention. This shrinking democratic space has led many Malians to question the legitimacy of Goita's extended stay in power, with the government reportedly seeking to extend its rule until 2030. Such actions fuel dissatisfaction among both military factions and civilians, increasing the risk of unrest as discontent grows. Historical Context: Lessons from Past Coups This current crisis is reminiscent of Mali's turbulent history, characterized by a series of military coups. Understanding the cycle of military rule and civilian discontent is crucial for analyzing the implications of these arrests. Historically, Mali has oscillated between military regimes and civilian governments, often with a backdrop of deepening societal divides and violence. The unresolved issues of governance and security in the country point to themes of persistent unrest and potential civil conflict. Potential Consequences of Military Divisions As suggested by analysts, the internal strife within the military could have severe repercussions not only for Mali's governance but also for the broader West African region. With jihadist groups expanding their influence and attacks across Mali intensifying, the military's ability to maintain order is questioned. The potential for a divided military leading to simultaneous conflicts presents a scenario where civil unrest could further complicate the state's response to threats, heightening the risks to ordinary Malians looking for stability and protection. Citizen Concerns and the Quest for Safety With the tightening grip of the military over society, citizens are left in a precarious position. The areas that traditionally provided avenues for dissent are now stifled, leading to an atmosphere of fear and uncertainty. Numerous reports indicate that displacement is on the rise, with many Malians seeking refuge in neighboring countries as their homeland becomes increasingly ungovernable. The question remains: where can Malian citizens safely voice their grievances in a landscape choked by military repression? Future Predictions: Is a Civil War Looming? Experts warn of the dangers posed by escalating tensions within the military and society as a whole. The volatile mix of a disgruntled military faction and an oppressed civilian populace could fuse into an explosive scenario. If divisions deepen, the risk of armed conflict could transition from potential to actuality, making Mali resemble a battleground of competing armed factions, reminiscent of past civil wars on the continent. Conclusion: The Path Forward for Mali As Mali stands at a crossroads, the international community and regional leaders must engage with the situation carefully. While military leaders may feel emboldened by their current hold on power, the underlying issues persist, threatening their hold and the stability of the nation. Policymakers would do well to promote dialogue within Mali, drawing from successful frameworks for conflict resolution witnessed in other African nations facing similar challenges. Without proactive steps toward democratic governance, Mali risks plunging into further chaos, leaving its citizens yearning for security, justice, and a voice in their own future.

Rivers State Local Government Elections: Legitimacy Controversies and Calls for Action

Update The Controversy Surrounding Local Government Elections in Rivers State As the countdown begins to the local government elections in Rivers State, scheduled for August 30th, 2025, a cloud of controversy looms overhead. The African Action Congress (AAC) has raised significant concerns, describing the forthcoming elections as steeped in illegality orchestrated by political elites in collaboration with the federal authorities. This assertion stems from a broader discontent with the existing emergency governance under which these elections are to be carried out, a governance structure many argue lacks legitimate authority.In 'Rivers LG Polls: AAC Calls Election ‘Illegal’,' the discussion dives into the legitimacy controversies of the upcoming elections in Rivers State, prompting analysis on our part. Unpacking the Legitimacy Question The legitimacy of the upcoming elections is under intense scrutiny. Political parties, particularly the AAC, argue that conducting elections under a sole administrator contravenes democratic principles. They contend that the constitution does not recognize a sole administrator supervising a local government election, thereby calling the entire process into question. Statements made by political actors, such as Kadus Alafia, a legal practitioner, emphasize this viewpoint, suggesting that the law should guide governmental actions and elections. The idea that elections could be perpetrated under such dubious circumstances raises alarms about the legal framework governing Rivers State's political landscape. Public Awareness and Engagement: A Need for Enlightenment During a recent segment on Politics HQ, citizens in Potakut were surveyed about their awareness and readiness for the elections—responses were mostly vague and uninformed. Many locals admitted to being unaware of the election occurring soon, highlighting a significant gap in public awareness and political engagement. This lack of information could serve to further diminish voter turnout, as the urgency of political communication becomes paramount. If residents are uninformed two weeks before the polls, how can one expect robust civic engagement? Awareness campaigns and grassroots mobilization must be prioritized to galvanize the electorate. Political Parties and Their Discontent Political dynamics in Rivers State have led to a notable divide among party lines. While the AAC has taken a hard stance against the elections, citing legality concerns, the People's Democratic Party (PDP) insists that its members exhibit total commitment to party loyalty during this sensitive period. Excerpts from the video transcript reveal that PDP’s officials assert that disloyalty will be met with strict penalties. Such public admonishments suggest a culture of fear surrounding party politics in Rivers State, where dissent is often silenced. The Call for Action: Protests and Political Awakening With the ever-present question of legitimacy surrounding the elections, the call for public protests has emerged from the ranks of the AAC. Feí, the AAC spokesperson, emphatically advocates for collective demonstrations as a means to challenge the status quo, emphasizing the need to galvaize the public against the perceived illegitimacy of the current political structure in Rivers. This proposed action reflects a growing sentiment of frustration among citizens who are fed up with the political elite that they feel do not represent their interests. Risks of Inaction: What’s at Stake? If political parties and civil society groups fail to capitalize on this moment to express their dissent, they risk further entrenching a regime that operates outside the bounds of legality. The costs of inaction carry potential ramifications not only for Rivers State but for Nigeria’s democratic fabric as a whole. Citizens must ask themselves: what kind of governance do they envision for their state, and how invested are they in safeguarding it? Moving Forward: Seeking Solutions and Legal Clarity The legal landscape in Rivers State is shifting as parties begin to draw lines in the sand regarding their participation in the local government elections. With ongoing court cases challenging the sole administrator’s legitimacy and questioning the electoral process, it is crucial for all stakeholders to prioritize legal clarifications that align with democratic principles. Only through such measures can we ensure that future elections uphold the integrity of the electoral system in Nigeria. As we stand on the precipice of change, engagement, awareness, and active participation will be key drivers in influencing the political landscape in Rivers State. If the people are to reclaim their voice, they must be prepared to demand transparency and accountability from those in power.

Confronting Gender-Based Violence: The Comfort Emerson Incident with Ibom Air

Update A Damning Incident: Comfort Emerson and Ibom Air In a nation where the airwaves are frequently plagued by incidents highlighting systemic failures, the recent episode involving Comfort Emerson on an Ibom Air flight on August 10, 2025, has ignited a firestorm across Nigeria. The Nigerian Bar Association (NBA) has sharply condemned both Ibom Air and the Airline Operators of Nigeria for their actions leading to the public humiliation and forced removal of Emerson from the aircraft. The NBA characterized the airline's decision to impose a lifetime ban on Emerson as "reckless and unlawful," variously describing it as a blatant violation of her inherent right to dignity.In 'NBA Slams Ibom Air Over Comfort Emmanson Incident,' the discussion dives into the implications of this troubling event, prompting deeper analysis of systemic issues surrounding gender-based violence in Nigeria. Unpacking the Incident: A Violent Dehumanization The actions taken against Emerson, who was unceremoniously stripped of her clothing during her removal, have sparked outrage among women's rights activists and civil society leaders. Leading voices in these discussions, including Josephine EA Chukuma, have articulated how the incident has underscored deep-seated issues of gender-based violence in Nigeria. Unlike other past disturbances—such as the inflammatory actions or protests surrounding public figures like Senator Shimo—Emerson's treatment raises crucial questions about systemic misogyny in both public and private spaces. Selective Justice: The Echoes of Power and Gender Bias Chukuma's poignant observations that highlight a broader context of female indignity reverberate through social media platforms, as public sentiment witnesses a wave of support for Emerson. Notably, many social media users have contrasted her treatment with the apparent leniency afforded to male public figures, exemplifying what some term "selective justice." Critics argue that if Emerson were from a powerful background, her treatment would have been drastically different—a notion reinforced by Chukuma and civil rights activist Mr. Raf Sanjani. The Institutional Failure of Ibom Air and Regulatory Bodies The swift action taken against Emerson raises troubling questions about the ability of airlines to execute their responsibilities with humanity and professionalism. Critics have pointed out that even though Emerson acted aggressively towards airline personnel, could there have been a better approach to de-escalate the situation without excessive force? This incident starkly illustrates the urgent need for comprehensive training for airline staff on gender sensitivity and conflict resolution, particularly in a country grappling with increasing reports of violence against women. What the Future Holds: Insights on Aviation Industry Practices The airline industry in Nigeria stands at a crossroads. Following the public uproar over Emerson's case, there exists a critical need for the restructuring of policies governing customer interactions and conflict management. Real-world implications of poor training resonate more deeply in today's global discourse on human rights and dignity. This creates an opportunity for the country to revamp existing protocols within the aviation sector to foster an environment where all passengers—regardless of their social status—are treated with respect. Conclusion: A Call for Accountability and Change While the NBA has taken a stand by speaking out against the airline's actions, it is necessary for all Nigerians to also reflect on their own responsibilities, especially in terms of respecting rules and regulations. As the nation stands united in condemning the airline’s hasty decisions, there is a notable call for systemic reform and accountability, not just for the treatment of individual women in public but for safeguarding a culture of respect and dignity across all sectors. The emphasis must shift towards creating a culture of respect and dignity for all passengers—an ethos that can ultimately safeguard the rights of women and contribute to a more equitable society. Take Action: Public voices and social media influencers must keep this important conversation alive. By advocating for changes in airline policies and promoting the rights of women in Nigeria, we can collectively push for systemic change that protects every individual’s dignity. This incident serves as a stark reminder of the work that lies ahead in building a more just society where respect prevails in every interaction.

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