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Boko Haram: Now that we know the terrorists BY Gabriel Agibi


Boko Haram

The metamorphosis and enlargement of Boko Haram terrorism into various interests is by no means surprising. The infusion of political, commercial and economic interests, aside its initial facade of religion has made Boko Haram terrorism a bigtime monster in Nigeria. And each of the piebald interests is driven by a different motive and ideology.

The COAS and helmsman of the counter-insurgency operations, Lt. Gen. TY Buratai declared after his recent parley with President Muhammadu Buhari in the Presidential Villa that 90% of terrorists and armed bandits terrorizing and tormenting the country are Nigerians. That’s an amazing figure. But it is nothing, but the painfully naked truth.

And this enervating and earthshaking figure is ennobled by the infusion of the disparate interests into Boko Haram which was formerly, a small assemblage of religious extremists and criminals. But now, Boko Haram has unimaginable veiled patrons, agents, sympathizers, investors and propagandists in the country. The nest is very wide and really unimaginable. It hints of the extent some Nigerians are not only unpatriotic, but sadists deeply excited with crimes against their own compatriots.

But that’s just a small fraction of the kernel of the problems of terrorism in Nigeria. One of the foremost actions embarked upon by Gen. Buratai in 2015 when he sauntered on the war theatre to lead the combats of anti-terrorism and other evils was to adopt measures to curb the recruitment of idle youths into the sect’s fold. Some of these youths exuded innocence because they were either charmed or hypnotized into initiation by the sect to embark on the destructive mission of heinous crimes against humanity.

Gen. Buratai’s foresighted action of blocking Boko Haram’s recruitment of Nigerian youths as foot soldiers worked perfectly. It was evident in the drastic decline in numbers and depopulation in the ranks of Boko Haramists. And coupled with the frequent casualties the sect suffered in the hands of the Nigerian Army, the surrender of top commanders of the sect and hundreds of already initiated foot soldiers, without replacements, the impact of the war was tremendous.

Nonetheless, by the beginning of 2018, the narrative changed. The political, commercial/business and economic interests of Boko Haram re-sprouted and increased its numerical strength. While it sounds incredulous that a parent could secretly and willingly give out his child for initiation by Boko Haram for a paltry fee or the offer of protection by the criminals, it is sadly, very true. It explains the monstrous resurgence of terrorism because the penetration is too wide and its shadows very difficult to trace.

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Therefore, when Gen. Buratai proclaimed that 90% of terrorists and armed bandits are Nigerians, it’s easy to discern. And Nigerians must know, what has manifested as armed banditry is derived from an enfeebled Boko Haram in the Northeast. Insurgents who had a tough time operating in the Northeast like in the past, since Gen. Buratai took over the battle, relocated to the Northwest and resurrected the rested armed banditry and cattle rustling.

These criminals use same sophisticated weapons. The modus operandi of armed bandits with Boko Haram is the same. There is also a blend the heartlessness of the perpetrators in committing atrocious acts. Violence, killings, arson, abductions and looting of targeted areas also blend with Boko Haram in every exactitude. That’s why majority of insurgents’ victims are their brothers either in biological or religious links. Earlier in the year, President Muhammadu Buhari confessed that 90 % of Boko Haram victims are Muslims. It is the gospel truth.

It is natural that most Nigerians can hardly interpret their milieu or trend of events around them. An obsession with hype of half-truths or absolute falsehood blinds them to reality infinitely. Therefore, Gen. Buratai’s assertion that 90% of terrorists and armed bandits operating in Nigeria are Nigerians may sound strange to some ears. But the Army Chief is not alone in this thought or realization of this truth.

Incumbent Katsina state Governor, Alhaji Aminu Bello Masari is also on same page with Gen. Buratai. A few days ago, Gov. Masari, a politician of enduring years of partisanship and former Speaker of Nigeria’s House of Representatives accused enemies or opponents of the ruling All Progressives Congress (APC) as responsible for the renewed attacks by bandits and Boko Haram in Northern Nigeria. It’s an insightful clue.

And when one recalls the timing of the resurgence of terrorism and banditry in the country at the commencement of partisan campaigns for the 2019 general elections, the excitement shall only be complete by crowning Gov. Masari with a medal for his rare insights. But how many Nigerians have the patience to explore these angles as reeled out by Gen. Buratai and Gov. Masari? Very few.

Almost all the times you encounter some Nigerians, there is the glaring attempt to interrogate the renewed insecurities in Nigeria on the periphery. There is usually, an unfounded excitement of propagating lies and everything that serves to destroy Nigeria’s interests, in alliance with external allies.

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It is also undeniably the trademark of opposition. Its in their culture to celebrate any odd news against Nigeria; but somewhat feel some internal pains to applaud positive news about the country. It is inexplicable; but that’s what is happening to Nigeria. So, no one is concerned to assist security agents unearth the masked faces behind the acts of renewed terrorism assailing the country; rather, majority protect and shield the sponsors and perpetrators. What a people!

But security agents are not magicians or voodoo merchants. And Nigerians must know the peculiarity of Nigeria. This country has no absolute control over its communication apparatus and the reach is limited. And that’s why the human effort is crucial in adding security agents to fish out terrorists and bandits.

Disappointingly, while Nigerians renege on this moral responsibility, the easiest thing to do is to mouth how President Buhari is incompetent or the Service Chiefs have overstayed their tenures and should resign or be sacked. That’s outright claptrap! And those who complain loudest about “inaction” of government are the same suspected Nigerians who raise hideous planks for the progression of terrorism and survival of terrorists.

All hopes not lost, in spite of the dicey situation! Nigerians have a chance to get back on track by retracing their faulty steps and making the necessary adjustments to act appropriately. Nowhere in the whole wide world is the issue of security abandoned to the leaders or Security Chiefs alone. There must be a synergy between the government and the people to overcome threats of insecurities. Citizenship patriotic roles are very important in surmounting insecurity challenges. The consistent neglect of it by Nigerians is to their peril.

Therefore, and like Gen. Buratai, the fearless and the ever-undistracted soldier counselled, the Nigerian Army will continue to do its very best to secure Nigerians and their properties. But when the yoke of terrorism and armed banditry would pass away is strictly the decision of Nigerians. So, its foolhardy to keep blaming Mr. President or security chiefs, while the citizens withdraw vital support; but rather massively embolden acts of terrorism.

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Further interrogating the statement by Gen. Buratai, a brave soldier and goal-getter in counter-terrorism by all standards, one would see the sincerity of a good leader who is not ready to deceive his country with mere propaganda.

The Army boss hides nothing in the service of Nigeria. He is one leader who says it as it is and typical of the life of soldiers who do not dread to tell the truth. Buratai is always blunt. His statement that overwhelming majority of the bandits and terrorists are Nigerians is one bold solution to the problem bedeviling the country. This is the gospel truth that Nigerians have been waiting for a courageous person to voice it.

Therefore, Gen. Buratai and Gov. Masari have let the cat out of the bag. Now that the terrorists are known; the bandits are known and the criminals tormenting the country have been revealed, it is high time Nigerians begin to identify ways which can proceed to the second stage of solving the problem of terrorism. Massive exposure of the suspected culprits. It is the English people who say in an adage that a problem known is partly solved.

There is every need now for all Nigerians to expend more energy by unanimously calling on all those who know the veiled forces tormenting the country to stop it now or expose them to security agents for apprehension. It’s the only potent way citizens can demonstrate patriotic participation for the success of the stiff war Government has mounted against terrorism and armed banditry.

And Nigerians must also necessarily remember that a few days ago, the Defence Headquarters (DHTs) disclosed something crucial in a public statement. Defence spokesman, Gen. John Enenche said, the task of exposing sponsors or agents or sympathizers of Boko Haram/ISWAP or armed bandits is outside the briefs of the Military.

It is a job for the intelligence arms of Nigeria’s security agencies. Therefore, the Nigerian public should be guided accordingly. Nigerians must begin to rise up in our communities to expose the bandits and their sponsors, the terrorists and their promoters and just everything possible to support our military. Sane Nigerians are not interested in their evil ways and therefore, the crimes against Nigerians and the country must cease now unconditionally.

Agibi is a public affairs analyst based in Abuja.


Shifting consumer habits demand fresh focus to fight fraud BY Aribidesi Lawal 



Nearly every part of daily life has changed as the world continues to fight back against COVID-19. Most observers agree that the increased focus on digital commerce by consumers and merchants will likely remain even after a vaccine is found and the economy rebounds.

As the pandemic and its economic impact extend into 2021 and beyond, these new habits will likely crystalize. It is important for merchants and financial institutions to adapt now to support consumer behavior through safe, reliable digital commerce.

A shift to online channels by consumers and fraudsters

Globally, consumers are shopping more online. Just look at the numbers.

  • In Nigeria, more consumers turned to online shopping for the first time with 42% of shoppers starting to purchase food via eCommerce platforms.
  • In South Africa, in-store physical activity greatly dwindled, with 63% consumers visiting physical grocery stores less often.
  • In Kenya, consumers’ preference for digital solutions is fast increasing as customers turned online for shopping. 43% of consumers started purchasing from pharmacies online
  • In the U.S., Visa credentials active in spending on eCommerce channels, excluding travel, were over 12% higher in June than in January. Moreover, when you examine the active credentials who tend to be more significantly engaged in eCommerce, the spend per active credential increased by over 25%.
  • In the U.K., active eCommerce credentials increased 16% while spend per active credential increased 3%.

Where consumers go, fraudsters follow and Visa’s Payment Fraud Disruption (PFD) team has seen a similar shift in fraudulent activities/fraud attempts from in-store to online.

Between March and April 2020, there was a rise in fraudsters establishing short-term “COVID”-named merchants and using these fraudulent merchants to perform account testing and enumeration. This is where fraudsters use merchants or financial institutions to guess account numbers, expiration dates and CVV2/security codes through automated testing. This activity is often marked by high volumes of low-dollar declines.

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Our Visa team also saw an increase in ecommerce skimming attacks, where fraudsters inject malicious JavaScript code into the websites of merchants and service providers to digitally harvest payment information such as billing address, account number, expiration date, and CVV2 from the checkout forms on ecommerce pages. In April 2020 alone, PFD identified 90 merchant websites compromised by multiple variants of ecommerce skimmers.

Fortunately, fraud prevention capabilities such as Visa Account Attack Intelligence, which prevents account testing, and Visa eCommerce Threat Disruption, which prevents online skimming, are free of charge and are among the many fraud prevention layers and security benefits available to Visa clients.

Visa, financial institutions, and payment providers work hard to keep consumers’ payments safe – using multiple layers of security to prevent fraud, protect data, and help them get their money back if someone uses their card without permission. Yet, fraudsters are counting on consumers to be distracted and let their guard down, so they can trick them into handing over their personal or financial information.

This is why we believe consumer education is key in the fight against fraud and we have been helping consumers understand how to spot fraudulent activity and how to protect their sensitive information, particularly now, when most of our payments have shifted to digital.

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Here are three simple steps every consumer can follow to stay safe when shopping online:

  • Pay securely online – When paying online, use Visa Checkout that offers an extra layer of protection and always check the URL to ensure it begins with “https://”. The “s” at the end confirms a secure connection.
  • Pay securely in-app – Update your passwords with a strong password unique to each account or better yet, switch to fingerprint or facial recognition for account login and/or payments if it’s an option.
  • Beware of phishing scams – Be careful of unsolicited and suspicious emails, SMS or phone calls. They may try to steal personal information like your account number, username and password. If in doubt, do not click on any links or download files.

Additionally, we implement a rule-based  authentication service called Visa Cardholder Authentication Service (VCAS) that combines risk intelligence and targeted rules strategy to help reduce customer friction as well as provide seamless payment experiences.

The need for contactless payment acceptance in Nigeria

While online commerce has increased, in-store purchases have not gone away. Essential workers still have to go into the office and re-fuel for their commute and some goods simply cannot be purchased online and delivered to consumers. In these situations, embracing contactless card payments can offer peace of mind. Visa data shows that consumers are increasingly embracing contactless across the world, and as Main Streets and High Streets reopen, consumers are asking for more touchless options to pay.

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Touchless, or contactless payments, where one can tap to pay with a card or smart phone, enables a safe and secure experience without the need for consumers to touch the checkout terminal and early indications show usage is high among grocery stores and pharmacies around the world. A few other trends include:

  • Nearly 50 countries improved tap to pay penetration by more than 5% and over 10 countries increase by 10% or more from fiscal year Q2 to Q3.
  • Visa helped more than 55 countries increase the tap to pay limits, reducing the share of transactions that require consumer contact by more than 40% in several of those countries.
  • In the U.S., more than 80M contactless Visa payment cards were added in the first 6 months of the calendar year as financial institutions accelerated their issuance schedules.

Despite the increase in penetration and card issuance, the fraud rate for contactless payments is significantly lower than the overall card present fraud rate, which illustrates the security of tapping to pay.

Although there may be some regression back to the norm after the pandemic, it is not a leap to think some habits will remain. The shift to buying online is here to stay. For merchants and financial institutions, adapting to new consumer habits not only means meeting customer preference, but it is also an investment into the future of digital payments. It is time for Nigeria to embrace the convenience and security of tapping to pay in-store.

Aribidesi Lawal is the Risk Manager, Visa West Africa

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Quo vadis Nigeria? BY Cheta Nwanze



In a 1992 lecture, American political scientist Sam Huntington theorised a ‘Clash of Civilisations’ and argued that future wars would be fought not between countries, but between cultures.

He expanded this in a 1996 book and named Nigeria as one of the battleground countries

There was a lot of argument, as naturally happens in the (social) sciences, but three decades on, and it appears that Huntington was indeed on to something, and today’s Sharia court ruling in Kano calls for a serious and unsentimental discussion.

Looking at the current state of play in global geopolitics, it appears that the man was correct, probably with the exception of #Poland which appears to be headed back into the orbit of #Russia (even if the Poles themselves will strongly disagree with that).

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As per his prediction, #Sudan has broken up. #Turkey has abandoned its quest to be accepted into Europe and is beating a path back into the Islamic world.

The #US has ensured that Latin America is for generations to come seen as distinct.

It begs the question: what is #Nigeria’s future?

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One of our ‘founding fathers’ said, “Nigeria is a mere geographical expression.”

Another referred to “the mistake of 1914.”

If those men asked those questions, then who are we to avoid them?

We have knocked our heads together for so long, but it is clear that #Nigeria isn’t working.

It is clear that the worldview of the man in Gusau is completely different from that of the man in Uyo.

Are we mature enough to have differing worldviews but make a country work?

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Personally, I maintain the opinion that we can be much more than what we are. BUT, for that to happen, there must be honesty about who we are, where we are, and where we each want to go.

Again, just our geography and our geopolitical realities mean that a split will be awful.

Is it not much better for us to find a way out of this entanglement than to endure another century of mutual suspicion, distrust and bloodshed?

Note: Quo vadis means Whither goest thou

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Obasanjo’s queer truth to the dead BY Azuka Onwuka



Over the weekend, Senator Buruji Kashamu, a member of the 8th National Assembly (between 2015 and 2019), reportedly died of complications from COVID-19. As usual, condolence messages poured in. However, the condolence message from Chief Olusegun Obasanjo, former president of Nigeria, to Governor Dapo Abiodun of Ogun State over the death became the talking point because of its wording.

The condolence message of Obasanjo read as follows: “I received the sad news of the demise of Senator Esho Jinadu (Buruji Kashmu), a significant citizen of Ogun State. Please accept my condolence and that of my family on the irreparable loss.

“The life and history of the departed have lessons for those of us on this side of the veil. Senator Esho Jinadu (Buruji Kashmu) in his lifetime used the manoeuvre of law and politics to escape from facing justice on alleged criminal offence in Nigeria and outside Nigeria. But no legal, political, cultural, social or even medical manoeuvre could stop the cold hands of death when the Creator of all of us decides that the time is up.

“May Allah forgive his sin and accept his soul into Aljanah, and may God grant his family and friends fortitude to bear the irreparable loss.”

Some have argued that Obasanjo, as an elder, chose to speak the truth in his condolence message rather than give the usual coated message said about the dead. But was Obasanjo’s condolence message truly about the truth?

Given what is known by many about the former President as a man who rarely forgives nor forgets, it will be naive of anybody to assume that Obasanjo was motivated by the need to speak the truth about Kashamu. He was clearly settling political scores with Kashamu. The late former senator was a political associate of Obasanjo, who worked with the former President in the power tussle between Obasanjo and then incumbent Governor of Ogun State, Otunba Gbenga Daniel. Obasanjo and Kashamu ensured that the favoured candidate of Daniel (Prince Gboyega Isiaka) did not emerge the PDP’s governorship candidate for Ogun State in 2011. Daniel’s loyalists eventually left the PDP for the small Peoples Party of Nigeria (PPN). Obasanjo and Kashamu also worked together in Ogun State to make Goodluck Jonathan emerge president in 2011. But shortly afterwards, both fell apart over the control of the PDP in Ogun State, leading to the emergence of two PDP factions, each loyal to one of them.

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The two PDP factions were engaged in a legal tussle. But the national body of the PDP leaned towards the Kashamu faction and he had the upper hand over Obasanjo. He even emerged a senator in the 2015 elections. Before then, Obasanjo had sent a three-paragraph letter of protest, dated January 7, 2014, to the then Chairman of the PDP, Alhaji Bamanga Tukur, threatening to withdraw from the PDP over the recognition the party was giving to Kashamu. Obasanjo had lamented the prominence Kashamu had in the politics of Ogun State and the South-West in the PDP thus: “Buruji Kashamu has been so extolled in the PDP in the South-West geopolitical zone which I personally find unsavoury… I cannot and I will not subscribe to a wanted habitual criminal being installed as my zonal leader in the party.” That animosity continued until the death of Kashamu over the weekend.

Who determines what the truth is and who is a criminal? Is it the individual or the court? It is the court of course. So, if someone is even seen robbing a bank but is not found guilty by the court, it is not for an individual to call the person an armed robber in official communication. Obasanjo’s government arrested Major Hamza al-Mustapha, Sergeant Barnabas Jabila Mshiela (popularly known as Sergeant Rogers), Lt Gen Ishaya Bamaiyi and others and charged them for extrajudicial executions during the regime of General Sani Abacha. They were detained about a decade but later released –al Mustapha was detained for 14 years. Even though most Nigerians believed and still believe that al-Mustapha and his boys, under the directive of Abacha, eliminated many of those opposed to Abacha’s dictatorship, that remains a mere assumption that cannot be raised in official quarters.

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During the administration of Obasanjo, the military invaded a community called Odi in Bayelsa State on November 20, 1999 and virtually wiped out every human being there. A similar massacre was carried out in October 2001 by the military in Zaki Biam, Benue State under Obasanjo’s watch. In the eyes of the International Criminal Court at The Hague such is classified as genocide for which many leaders have been found guilty and sentenced. But because Obasanjo has not been tried and sentenced for such a crime, nobody can officially accuse him of genocide.

Similarly, Obasanjo’s son, Mr Gbenga Obasanjo, had accused him of having carnal knowledge of his wife in an affidavit he filed in 2008 in his divorce case against wife, Ms. Mojisola Olayemisi Amope. The affidavit, signed on behalf of Gbenga Obasanjo by his counsel, Emankhu Addeh of Addeh & Associates, stated, inter alia:

“The petitioner further avers that he knows for a fact that the respondent committed adultery with and had an intimate, sexual relationship with his own father, General Olusegun Obasanjo, in order to get contracts from the government.

“The petitioner avers that the Respondent also got rewarded for her adulterous acts with several oil contracts with the NNPC from his father, General Olusegun Obasanjo, amongst which was the NNPC Consultancy training in supply chain management and project management awarded to her company Bowen and Brown.”

However, this has remained an allegation a son made against his father. No court has found Obasanjo guilty of such an act. So, it would be tactless and irresponsible for anyone to send Obasanjo a birthday message with such an accusation made categorically against him, in the name of speaking the truth. That can lead to a legal case of defamation and libel. An allegation remains an allegation. It can be raised in private discussions but not used in official communication. It is worse when used against a dead person who cannot respond. A former president should know this.

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When the name of a dead person is dragged in the mud, there cannot be a successful legal case against the accuser, because it is believed that a dead person has no image that can be defamed or tarnished. Therefore, the reason people do not say unkind things against dead people is not because they hate the truth. It is because it is cowardly to accuse people who cannot respond or defend themselves. It is like beating and kicking an unconscious person or a corpse. A brave warrior fights with the living, not with the dead. There is always enough time to accuse living people. Once they are dead, please sheathe your sword and try to mend your own ways before death comes knocking.

Moreover, in age and status, Obasanjo is far higher than Kashamu. Obasanjo is 83 years, while Kashamu died at 62. When Obasanjo was military head of state of Nigeria in 1976, Kashamu was 18 years – either in secondary school or just completing that stage. Obasanjo capped it up by becoming a twice-elected civilian president of Nigeria, the first Nigerian to ever lead Nigeria twice (as a soldier and a civilian) and the first civilian leader to complete two tenures in office. Therefore, it is petty that Obasanjo would be engaging Kashamu in life or in death.

Condolence messages are not compulsory. It is not everything that one has the capacity to do that one does. It is not everything that comes to one’s mouth that one utters. That is why the Bible says: “All things are lawful for me, but all things are not helpful. All things are lawful for me, but I will not be brought under the power of any.”

–Twitter @BrandAzuka

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