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Unity Bank Plc has reaffirmed its commitment to advancing electronic payment adoption and financial inclusion by partnering with domestic card scheme provider, AfriGo, to boost card usage across its retail customer segments.

This pledge was made during a high-level strategic business engagement held at Unity Bank’s head office in Lagos on Friday, with AfriGo’s Executive Management team.

Speaking during the session, Unity Bank’s Managing Director/CEO, Mr. Ebenezer Kolawole, stated: “We are committed to making the AfriGo Card a primary delivery channel for Unity Bank. As a national domestic card scheme, it deserves to be promoted both internally and externally as a local solution with significant potential to redefine Nigeria’s card payment landscape.”

Mr. Kolawole also pledged the Bank’s continued support for the adoption of AfriGo cards across its network, while urging AfriGo to intensify awareness campaigns to drive greater market acceptability.

In his remarks, the Managing Director of AfriGo, Ebehijie Momoh, commended Unity Bank for the support it has given the scheme, stating that the Bank ranks among the top five adopters of the AfriGo card and highlighted its growing impact in expanding financial inclusion and improving access to electronic payments.

He noted that AfriGo has continued to innovate with technologies that support instant payments and offline capabilities, ensuring broader access to e-payment systems across underserved markets. He added that partnerships with solutions like Tap & Go have helped boost contactless payment adoption, improving convenience for cardholders who commute for work, business, or leisure.

Momoh expressed optimism about the potential of Unity Bank’s extensive retail network to drive deeper collaboration aimed at enhancing e-banking penetration nationwide.

This collaboration underscores Unity Bank’s enduring culture of digital innovation and its commitment to financial inclusion through homegrown technology. Over the years, the Bank has introduced several digital solutions that demonstrate this commitment.

Notably, Unity Bank pioneered USSD banking, *7799#, in local languages, an initiative aimed at deepening access among underserved rural and semi-urban populations. It also launched Unifi, a youth-focused digital banking platform designed to meet the lifestyle and financial needs of the younger demographic. Most recently, the Bank unveiled GenFi, a gamified mobile banking solution tailored for children and teenagers to cultivate smart money habits from an early age.

Nigerian Afrobeats Icons, Twin-X, Return With Legacy Project , Digital Expansion

 In a move to get fans across Nigeria, the UK, the USA, and beyond buzzing with nostalgia, Afrobeats legends Twin-X have officially launched a brand-new platform: www.twin-x.org.

The identical twin brothers Taiwo and Keni Akintoye, who captivated a generation with their timeless 2001 hit “Mother Mi”, are stepping into the digital spotlight for the first time in over a decade. Their iconic ballad, known for its soul-stirring hook “Olu Orun ma pa mother mi lekun”, dominated radio stations, crossed cultural boundaries, and became an anthem across Nigerian campuses in the early 2000s.

Celebrating 24 Years of “Mother Mi” — A Tribute to African Motherhood

The launch of Twin-X’s official website marks a significant milestone: exactly 24 years since the release of Mother Mi on May 27, 2001. The duo reminisces on the song’s legacy through a moving statement published on the site:

“That song changed everything. The response was unreal. The video became an instant classic, packed with legends like Uche Jombo, Steph Nora Okere, Jennifer Eliogu, Kenny Ogungbe, ID Ogungbe, Kwame, and Tony Tetuila — all coming together to celebrate motherhood. It wasn’t just a song; it was a tribute.”

A New Digital Hub for Afrobeats Fans and Music Historians

The newly launched platform twin-x.org serves as a central hub for authentic information, rare archives, and untold stories from the Twin-X journey. It includes never-before-seen photos and content, truthful accounts of their musical journey, clarifications on past rumors and misrepresented facts, and behind-the-scenes insights into their hiatus.

This move comes just months after the March 2025 release of their complete discography on all major digital streaming platforms, including Spotify, Apple Music, Amazon Music, and more. Fans can now stream hit songs like Mother Mi, Plenty Money, Miliki, Oya, and others — many of which defined the early Afrobeats movement.

Beyond Music: Legacy, Entrepreneurship & Cultural Impact

In a joint statement, the brothers shared the broader vision behind their return:

“Our decision to step out now is about more than just music. It’s about everything we’ve represented over the years — including our growth as professionals and entrepreneurs in media, tech, and academia. This website bridges our musical legacy with our real-world accomplishments across different sectors in Nigeria and internationally.”

They also hinted at the possibility of new music, signaling that while their priorities may have evolved, their passion for sound remains very much alive.

“We hope that we can balance things this time around. Perhaps, there might still be some music to look out for.”

Twin-X: Honoring the Past, Shaping the Future of Afrobeats

As Afrobeats continues to gain global recognition, the return of Twin-X is a major moment in Nigerian music history. Their decision to digitally preserve their legacy not only honors their contribution to Afrobeats culture but also introduces their impactful story to a new generation of music lovers around the world.

While promising the launch of a new YouTube channel next, you can stay connected with Twin-X and explore exclusive stories, music, videos, and updates at www.twin-x.org and on Instagram, Facebook and X.

 World Health Organization (WHO) has published its first-ever position paper on immunization products to protect infants against respiratory syncytial virus (RSV) – the leading cause of acute lower respiratory infections in children globally.

Every year, RSV causes about 100 000 deaths and over 3.6 million hospitalizations in children under the age of 5 years worldwide. About half of these deaths occur in infants younger than 6 months of age. The vast majority (97%) of RSV deaths in infants occur in low- and middle-income countries where there is limited access to supportive medical care, such as oxygen or hydration.

Published in the Weekly Epidemiological Record (WER), the position paper outlines WHO recommendations for two immunization products: a maternal vaccine that can be given to pregnant women in their third trimester to protect their infant and a long-acting monoclonal antibody that can be administered to infants from birth, just before or during the RSV season.

“RSV is an incredibly infectious virus that infects people of all ages, but is especially harmful to infants, particularly those born premature, when they are most vulnerable to severe disease,” says Dr Kate O’Brien, Director of Immunization, Vaccines, and Biologicals at WHO. “The WHO-recommended RSV immunization products can transform the fight against severe RSV disease, dramatically reduce hospitalizations, and deaths, ultimately saving many infant lives globally.”

RSV usually causes mild symptoms similar to the common cold, including runny nose, cough and fever. However, it can lead to serious complications – including pneumonia and bronchiolitis – in infants, young children, older adults and those with compromised immune systems or underlying health conditions.

Two immunization products to protect against RSV
In response to the global burden of severe RSV disease among infants, WHO recommends that all countries introduce either the maternal vaccine, RSVpreF, or the monoclonal antibody, nirsevimab depending on the feasibility of implementation within each country’s existing health system, cost-effectiveness and anticipated coverage. Both products were recommended by the Strategic Advisory Group of Experts on Immunization (SAGE) for global implementation in September 2024. In addition, the maternal vaccine received WHO prequalification in March 2025, allowing it to be purchased by UN agencies.

WHO recommends that the maternal vaccine be given to pregnant women during the third trimester of pregnancy, from week 28 onwards, to optimize for the adequate transfer of antibodies to their baby. The vaccine may be given during routine antenatal care, including at one of the 5 WHO-recommended antenatal care visits in the third trimester or any additional medical consultations.

The second WHO-recommended immunization product, nirsevimab, is given as a single injection of monoclonal antibodies that starts protecting babies against RSV within a week of administration and lasts for at least 5 months, which can cover the entire RSV season in countries with RSV seasonality.

WHO recommends that infants receive a single dose of nirsevimab right after birth or before being discharged from a birthing facility. If not administered at birth, the monoclonal antibody can be given during the baby’s first health visit. If a country decides to administer the product only during the RSV season rather than year-round, a single dose can also be given to older infants just before entering their first RSV season.

The greatest impact on severe RSV disease will be achieved by administering the monoclonal antibody to infants under 6 months of age. However, there is still a potential benefit among infants up to 12 months of age.

WHO regularly issues updated position papers on vaccines, combinations of vaccines and other immunization products against diseases that have major public health impact. These papers focus primarily on the use of vaccines in large-scale vaccination programmes. The new position paper aims to inform national public health policymakers and immunization programme managers on the use of RSV immunization products in their national programmes, as well as national and international funding agencies.

Source: WHO

Fitch Upgrades Fidelity Bank’s National Rating To ‘A+(nga)’, Affirms Long-Term IDR At ‘B’

Global credit rating agency, Fitch Ratings, has affirmed Fidelity Bank Plc’s Long-Term Issuer Default Rating (IDR) at ‘B’ and upgraded its National Long-Term Rating to ‘A+(nga)’ from ‘A(nga)’. The upgrade, announced on May 29, 2025, reflects the bank’s strengthened capital buffers and improved profitability, signaling continued positive momentum in its performance.
According to Fitch, the rating upgrade is underpinned by Fidelity Bank’s successful capital raise through a rights issue and public offer, as well as a notable improvement in profitability—driven by higher interest income and a stable base of low-cost current and savings deposits.
Commenting on the announcement, Managing Director/CEO of Fidelity Bank, Dr. Nneka Onyeali-Ikpe, said, “This upgrade by Fitch Ratings affirms the resilience of our business model, the strength of our risk management practices, and our unwavering focus on delivering sustainable value to stakeholders. Despite a challenging macroeconomic environment, we have continued to maintain strong asset quality, solid profitability, and ample liquidity. This recognition reinforces our position as one of Nigeria’s most resilient and customer-focused financial institutions.”
One of the key drivers of the improved rating is the bank’s robust capitalization. Fitch reports that Fidelity’s Fitch Core Capital (FCC) ratio rose to 29.9% at the end of 2024—well above the regulatory minimum. The agency also noted that further capital raising efforts are expected to position the bank to meet the ₦500 billion minimum capital requirement for internationally licensed banks before the 2025 deadline.
Fidelity Bank’s market positioning remains strong. As Nigeria’s sixth-largest bank, it commands approximately 5% of total banking sector assets. The bank’s balance sheet is reinforced by a high proportion of low-cost deposits, which accounted for 93% of total deposits as of year-end 2024—among the highest in the Nigerian banking industry.
The affirmation and upgrade by Fitch is expected to enhance investor confidence and support Fidelity’s continued efforts to scale its operations both locally and internationally.
Ranked among the best banks in Nigeria, Fidelity Bank Plc is a full-fledged Commercial Deposit Money Bank serving over 9.1 million customers through digital banking channels, its 255 business offices in Nigeria and United Kingdom subsidiary, FidBank UK Limited.
The Bank is the recipient of multiple local and international Awards, including the 2024 Excellence in Digital Transformation & MSME Banking Award by BusinessDay Banks and Financial Institutions (BAFI) Awards; the 2024 Most Innovative Mobile Banking Application award for its Fidelity Mobile App by Global Business Outlook, and the 2024 Most Innovative Investment Banking Service Provider award by Global Brands Magazine. Additionally, the Bank was recognized as the Best Bank for SMEs in Nigeria by the Euromoney Awards for Excellence and as the Export Financing Bank of the Year by the BusinessDay Banks and Financial Institutions (BAFI) Awards.
WHO Calls For Urgent Action To Ban Flavoured Tobacco , Nicotine Products

On World No Tobacco Day, the World Health Organization (WHO)  launched a new publication and calls on governments to urgently ban all flavours in tobacco and nicotine products, including cigarettes, pouches, hookahs and e-cigarettes, to protect youth from addiction and disease.

Flavours like menthol, bubble gum and cotton candy are masking the harshness of tobacco and nicotine products turning toxic products into youth-friendly bait.

Flavours not only make it harder to quit but have also been linked to serious lung diseases. Cigarettes, which still kill up to half of their users, also come in flavours or can have flavours added to them.

“Flavours are fuelling a new wave of addiction, and should be banned,” said Dr Tedros Adhanom Ghebreyesus, Director-General of WHO. “They undermine decades of progress in tobacco control. Without bold action, the global tobacco epidemic, already killing around 8 million people each year, will continue to be driven by addiction dressed up with appealing flavours.”

The publication, Flavour accessories in tobacco products enhance attractiveness and appeal, reveals how flavours and accessories like capsule filters and click-on drops are marketed to bypass regulations and hook new users.

Currently:

over 50 countries ban flavoured tobacco;
more than 40 countries ban e-cigarette sales; 5 specifically ban disposables and 7 ban e-cigarette flavours; and
flavour accessories remain largely unregulated.
Countries such as Belgium, Denmark, and Lithuania are taking action, and WHO urges others to follow.

Flavours are a leading reason why young people try tobacco and nicotine products. Paired with flashy packaging and social media-driven marketing, they’ve increased the appeal of nicotine pouches, heated tobacco, and disposable vapes into addictive and harmful products, which aggressively target young people.

“We are watching a generation get hooked on nicotine through gummy bear-flavoured pouches and rainbow-coloured vapes,” said Dr Rüdiger Krech, WHO Director of Health Promotion. “This isn’t innovation, it’s manipulation. And we must stop it.”

WHO reiterates that tobacco products, including heated tobacco products, expose users to cancer-causing chemicals and should be strictly regulated.

The 2025 World No Tobacco Day campaign honours governments, youth activists and civil society leaders pushing back against industry interference. “Your actions are changing policy and saving lives,” said Dr Krech.

With around 8 million tobacco-related deaths each year, the time for action is now. Flavours, and the industries that deploy them, have no place in a healthy future.

Source: WHO

Another Milestone Achieved : FirstBank Disburses N1 Billion In One Day , Via Agent Credit Scheme

Firstmonie Agent Credit Scheme is a FirstBank’s digital lending solution designed to empower a wide range of low-income individuals who face barriers in accessing traditional credit channels.

This innovative program offers financial support to Firstmonie Point-Of- Sale agents by enabling them to overcome liquidity challenges and capitalize on new opportunities without disruption in business due to lack of funds in agents accounts.

The Agent Credit scheme is aimed at bridging financial gaps and solving liquidity challenges, resulting from depleted account balances, even when the Agents have physical cash at hand.  The scheme helps them to run business effectively by providing digitalized loans which is convenient, seamless and easily accessible via the Firstmonie App.

Agent Credit is a groundbreaking innovation that elevates the Agent experience. This game-changing scheme digitalise loan application processes and enables agents access to digital loans with greater ease. By proffering varieties of value-added services for Agents this unlocks new business opportunities, eliminates lengthy payment delays, and provides agents with instant access to loans, hence revolutionizing the way they operate and assures their entrepreneurial success.

For over 131 years, FirstBank has been a giant advocate for their customers, enabling their success by providing a secure and trustworthy environment for their financial transactions. Agent Credit is a testament to FirstBank’s commitment to empowering their agents and elevating their business experience.

Reiterating the Bank’s role in deepening financial inclusion in the country, Chuma Ezirim, Group Executive, e-Business & Retail Products, said “With this innovative solution, we are bridging the financial gap and providing our agents with the necessary tools to succeed in today’s fast-paced market. By extending credit facilities with a low interest rate, increasing eligibility loan amount as transaction increases and streamlining loan application processes, we are confident that Agent Credit will revolutionize the way our agents operate, enabling them to reach new heights of success and growth. FirstBank remains committed to financial literacy and inclusion, empowering individuals and communities to manage their finances effectively”.

The creation of Firstmonie Agents was in compliance with the Central Bank’s directive for all banks to expand banking to all the unbanked areas of the country in order to create financial inclusion across the nation.

By expanding financial services to rural areas, FirstBank creates employment opportunities and drives economic growth.
The presence of banking agents in all the nooks and crannies of the nation was accomplished by FirstBank within a short period of time such that by December 2021 they had covered 772 out of the existing 779 Local Government Areas in Nigeria.
These services help businesses grow and innovate, while initiatives like Agent Credit promote financial inclusion, education, and access to financial services, ultimately contributing to economic development.

Since the creation of Agency Banking, the ease of access to business and indeed personal funds has been great.   Many lives were lost in the past through travels from villages or rural settlements to the city in order to use banking facilities. Today, “Mobile ATMs” as the agents are fondly called are equipped to carry out services which includes account opening, cash deposit, cash withdrawal, bills payment, and money transfers.

 FirstBank has undergone several transformations, constantly adapting to the changing financial landscape, pioneering various banking solutions to meet the needs of its diverse customer base. The bank’s retail banking division has been instrumental in providing accessible financial services, contributing to the nation’s economic development.
The scheme offers more than funds, the Agents are trained regularly, exposed to technology and other incentives like bespoke award events where attractive prizes are won.

Disbursing N1 billion in a single day to its Agents through the Agent Credit Scheme is a significant milestone by the Nation’s Pioneer Financial institution.

This accomplishment underscores FirstBank’s commitment to financial inclusion and its innovative approach to retail banking. Since its launch in 2020 the Agent Credit scheme has provided solutions to the agent’s pressing needs by providing quick access to affordable credit facilities, enabling them to manage liquidity challenges and expand their businesses.
 Agents can access up to N1.5m with loans disbursed in under a minute through the Firstmonie App. The facility is not only super-fast, it offers a flat interest rate of 0.3% with flexible repayment terms, making it an attractive option for agents seeking to increase their operations.

Since its inception, the bank’s Agent Credit Scheme has disbursed over  N571 billion empowering over 37,000 Firstmonie Agents in 3million loan counts, reinforcing FirstBank’s commitment to supporting Firstmonie Point-Of- Sale agents and promoting economic development. A testament to FirstBank’s Retail Banking leadership.

 The successful disbursement of N1 billion in a single day through the Agent Credit Scheme highlights the bank’s innovative approach to retail banking and its dedication to financial inclusion.

By leveraging technology and a vast Agent network, the bank has transformed the banking experience of millions of Nigerians especially those in remote and underserved communities.  FirstBank’s retail banking strategy, characterized by customer-centric solutions and digital innovations continues to set industry standards.

 The bank’s efforts have not only enhanced financial access but also contributed to job creation and economic empowerment across the country.

By empowering Firstmonie Agents with the necessary tools, resources and incentives, FirstBank fosters a more inclusive financial ecosystem, ensuring that banking services are accessible to all Nigerians, regardless of their location.

 As FirstBank continues to innovate and expand its retail banking services, it remains steadfast in its mission to be the partner of first choice in building the future of its customers and the nation at large.

Source: Tosin Ajayi

Asamani Recommends Project Efficiency To Tackle Shrinking Aid

George Asamani, Managing Director, Project Management Institute, Sub-Saharan Africa has called on African countries and Nigeria to brace up in the face of a possible 37% drop in donor contributions, with Washington   potentially withdrawing entirely.

In a statement made available to the media and signed by Mr. Asamani, he said that “In Africa, where public debt levels are already placing pressure on national budgets and fiscal space is increasingly limited, improving efficiency in infrastructure delivery is no longer optional; it is essential.”

“If the funding tap is tightening, the only viable response is better stewardship of the remaining resources. That means placing execution, how projects are delivered, at the centre of fiscal policy,” he added.

The announcement of deep cuts in US development assistance has cast a long shadow over Africa’s infrastructure ambitions. The African Development Fund, the continent’s principal vehicle for concessional financing, now faces a possible 37% drop in donor contributions, with Washington potentially withdrawing entirely, according to the Centre of Global Development.

In March this year, the US withdrew from the Just Energy Transition Partnership, to which it had initially pledged more than $1.5-billions of grant and commercial funding.

Asamani said, “Even if these cuts prove to be temporary, the damage may not be. Recovering lost momentum could mean sacrificing years of economic growth, delaying critical infrastructure projects, and widening the development gap.

According to him, ‘If the decline signals a more permanent shift, then the implications are even more profound. Rather than wait for fortunes to swing again in their favour, African governments must take proactive steps to secure their development trajectories.”

The Managing Director, Project Management Institute, Sub-Saharan Africa also stated that as development partner contributions shrink, governments across the continent will need to take on a greater share of project financing through their own national budgets. That reality is sobering, but it also presents a compelling opportunity to reimagine public investment through the lens of discipline, delivery, and results.

In recent years, many African economies have faced a challenging paradox: rising investment in infrastructure has not always translated into timely project delivery. Historically, PMI data has reported that roughly 10% of project investment is wasted due to poor project performance. Let’s take the global construction market, which is projected to reach approximately $17.05 trillion this year, and poor project performance, like going over time or over budget, could cost it more than $1 trillion.

In Africa, he said, where public debt levels are already placing pressure on national budgets and fiscal space is increasingly limited, improving efficiency in infrastructure delivery is no longer optional; it is essential. If the funding tap is tightening, the only viable response is better stewardship of the remaining resources. That means placing execution, how projects are delivered, at the centre of fiscal policy.”

He said; “Professionalising project management in the public sector is the single most powerful lever African governments can pull to stretch limited budgets. That said, professionalising project delivery is not without its challenges. Many governments still contend with institutional constraints, limited technical capacity, and high turnover in public sector roles. These realities underscore the need for long-term investment in skills development.

“Even a modest 10% improvement in project delivery efficiency could translate into billions in savings, resources that could be redirected toward critical sectors such as education, healthcare, and public safety. In essence, stronger project management leads directly to better development outcomes, without placing additional tax burdens on citizens or increasing national debt,” Asamani said.

There is also a long-term political dividend, he enthused. “When governments consistently implement visible, high-impact infrastructure projects, they build public trust, foster investor confidence, and stimulate employment. In the context of a rapidly growing youth population and pressing job creation needs, infrastructure delivery should be positioned not merely as capex but as an instrument for inclusive growth and economic resilience.”

In today’s constrained environment, Africa can no longer afford inefficiency. Every missed milestone, budget overrun, or failed audit is not just a governance issue—it’s a tax on future generations. That is why national treasuries must begin to view project management capability as a strategic economic asset. Government ministries should collaborate to embed delivery units staffed by qualified project professionals.

Of course, embedding this level of project management rigour will not happen overnight. Strengthening delivery capability across ministries is a medium-term reform, but one that must begin now if future infrastructure investments are to deliver their intended outcomes. Multilateral lenders such as the ADF should also consider making project management discipline a condition for financing to help ensure that funds are effectively used and that projects deliver their intended impact.

“Africa’s infrastructure agenda is too important to fail. But success will not be driven by donor generosity alone. It will depend on national leadership that prioritises competence and refuses to compromise on execution,” he concluded.

Enugu Govt Commends NIS For Arresting Suspected Ritualist

Enugu Govt commends NIS, police for suspected ritualist's arrest – Newswire  Law and Events
LarryBravo Nwaiwu
The Enugu State Government has reacted to the arrest of the fleeing suspected ritualist and kidnap kingpin, Obi Levi Obieze, by men and officers of the Nigeria Immigration Service along the Badagry-Seme Road, commending the vigilance of the officers.
The government, which also disclosed that the suspect’s mansions at his Umumba Ndiagu country home in Ezeagu LGA of Enugu State have already been demolished by the authorities on Tuesday in line with extant laws of Enugu State regarding property linked to kidnapping.
Reinforcing this, a statement by the Secretary to the State Government, Prof Chidiebere Onyia, on Friday, assured that the suspect would face the full weight of the law.
“The Enugu State Government received with delight the news of the arrest of the fugitive suspected kidnap kingpin and ritualist, Levi Obieze, by the officers of the Nigeria Immigration Service.
“This arrest has further strengthened our hands in our bid to ensure that justice is served on all the persons involved in the gory incidents of abduction, kidnapping, and ritual killings linked to the suspect.
“As usual, the Enugu State Government has already demolished the property in his country home on Tuesday, May 27, 2025 in line with Section 315 (Second Amendment) of the Criminal Code Law, Cap 30, Laws of Enugu State, regarding property linked to kidnapping.”
The government equally commended the vigilance of the community members, civilian and state security operatives for bursting the crime, saying it would not condone the acts of criminality under any guise.
“This administration will not condone any form of criminality in our communities under any guise. Therefore, this is also a call on community leaders – traditional rulers, Presidents-General of Town Unions, Neighbourhood Watch, among others, to be watchful and report such persons to government and security agencies. Those who cover up for such criminals will also be treated as accomplices,” it concluded.