TechCabal

Highlights:

• The theme of the conference was “TechHER: Bridging the Tech Barriers, Building the Future.”
• The FMN Women’s Network is committed to supporting women in their pursuit of excellence in the field of technology.
• Participants had the opportunity to network with each other and learn from experts.
• It included a panel discussion featuring leading business and technology experts

Flour Mills of Nigeria Plc (FMN), through its FMN Women’s Network (FMNWN), successfully held its 5th annual women’s conference on Thursday, November 16, 2023, at Ebonylife, Victoria Island, Lagos. This year’s conference, which was focused on the theme “TechHER: Bridging the Tech Barriers, Building the Future,” brought together women and key stakeholders from diverse backgrounds to explore the transformative power of technology and its potential to empower women in their personal and professional lives.

The hybrid event highlighted keynote addresses and a panel discussion that featured leading technology and business experts including Prof. Olayinka David-West, an Associate Dean, Lagos Business School; Mr. Ugodre Obi-Chukwu, Founder/CEO, Nairametrics; Mrs. Rosario Osabose, MD, Tenaris Nigeria; and Mrs. Ugochi Agoreyo, Strategy Development Expert and Partnership Lead at Google. These panelists focused discussions on the power of technology and the resources it avails to individuals when it is harnessed for its underlying value. 

Participants, also referred to as Amazing Amazons, had the opportunity to network with each other, learn from tech experts present, and share more insights on innovative ways of exploring the latest trends in technology for business and financial growth.

The FMN Women’s Network (FMNWN) is a demonstration of the Group’s commitment to propagating gender equality and diversity. The network provides a platform for women to connect, have access to career-boosting resources like mentorship and training, community support, and advocate for their advancement within the organization and across the country.

The event also had in attendance key stakeholders within the Group including the Chairman, FMN Board of Directors, John G. Coumantaros, who noted that “As we converge again for this year’s event, I believe that the actions from this event will be more transformational and impactful. The FMN women are among the best in class in Nigeria and globally. The FMNWN annual women’s conference is a valuable opportunity for us to bring together women from all walks of life to learn, grow, and inspire each other. We are committed to creating a more inclusive and equitable future for women in Nigeria, through innovation and technological advancement.“

In her opening remarks, Dr. Salamatu Suleiman, a member of the FMN Board of Directors, urged women at FMN to leverage the tools technology provides for their career and personal development. She emphasized, “Technology is not a barrier but a gateway to endless possibilities, empowering every woman at FMN to thrive in both her professional and personal life. In today’s fast-paced world, being tech-savvy is not merely an advantage; it’s a necessity. Let us collaboratively shape a future where our contributions are amplified, our voices resound, and our presence is felt in every corner of the industry.”

The FMNWN annual women’s conference is a testament to the organization’s commitment to empowering women and fostering a more inclusive and equitable society. Also speaking at the event was Mr. Boye Olusanya, the Group’s GMD/CEO who shared that “At FMN, we embrace the strength, resilience, and innovation that every woman brings to the table, shaping a future where equality is not just a vision but a reality. So we all must learn to take proactive and deliberate actions in creating an envisaged future through innovation and dedicated adoption of various technological advancements across all our various touchpoints”.

In her remarks, the Chairperson of the FMN Women’s Network, and the Head, Talent Academy for FMN, Olubunmi Ebhomenye noted that the FMN Women’s Conference was crucial in enhancing the individual capabilities of employees to reach their potential, which ultimately adds to the company’s overall success.

She said, “Conversations at the conference reflect the organization’s deliberate commitment to fostering diversity, equity, and inclusion. The event underscores FMN’s dedication to championing a more gender-balanced workplace, empowering all employees to excel in diverse roles. Our aim is to cultivate an environment where every individual, regardless of gender, thrives and contributes meaningfully to our collective success.“

The conference provides women with the tools, resources, and inspiration they need to succeed in their personal and professional lives and positively impact their communities and the world.

The FMN Women’s Network is committed to supporting women in their pursuit of excellence across different fields particularly in the areas of tech inclusion and adoption. The conference is an important step in bridging the gender gap in the tech industry and providing women with the tools and resources they need to succeed.

About Flour Mills of Nigeria 

Incorporated in September 1960 and quoted on the Nigerian Stock Exchange since 1978, Flour Mills of Nigeria (FMN) Plc, owners of the iconic Golden Penny Food brand is one of Nigeria’s leading food and agro-allied companies. With a broad basket of food products and robust pan-Nigerian production, distribution, and supply chain network, FMN is a fully integrated and diversified food and agro-allied group. 

FMN group strives in its purpose to “Feed the Nation, Everyday” through its five core food value chains: Grains, Sweeteners, Oils and Fats, Proteins, and Starches. FMN creates value along the entire food chain with its “farm-to-table” model by providing inputs and know-how to farmers, aggregating and sourcing crops and raw materials to supply its world-class processing facilities across Nigeria, and distributing its innovative food brands to its customers. 

More information can be found at www.fmnplc.com Follow FMN, on Facebook, Instagram, LinkedIn, Twitter and YouTube

Aduna Capital, a pioneering investment firm, proudly announces the launch of its first $20m fund dedicated to transforming the African tech start-up ecosystem.

Aduna Capital is not just an investment firm; it’s an ecosystem of innovation and entrepreneurship, founded by Surayyah Ahmad Sani and Sanusi Ismaila. Surayyah Ahmad Sani, a 2x founder with 1 exit and a founding partner of the accelerator TTLabs, brings a wealth of experience in nurturing start-ups and fostering growth. Surayyah has also angel invested in 3 start-ups including a recent raid hailing company, Swiftride. She has facilitated investment of up to $2m at angel and pre-seed stage into African Start-ups.

Sanusi Ismaila, is a seasoned entrepreneur and operator, also the founder of Colab – the first innovation hub in Kaduna state, and one of the largest technology campuses in Nigeria. Colab is the single biggest source of technology talent across northern Nigeria, with alumni distributed across the world with a few in notable international companies such as Microsoft, Goldman Sachs, Paxful, Andela, Simplifa GmbH, One Acre Fund, One World Coders, Data Culture, Toptal, Cloudflare among others. Colab’s start-up alumni include Payant, a payment solutions company which currently processes over a billion naira monthly, Sudo – a card issuing infrastructure startup, which has gone on to raise  $3.7 million (pre-seed) in equity investments, and SchoolMO, an ed-tech startup that administers and tracks the performance of over 200,000 pupils across Nigeria and also helps schools collect over 6 billion naira in school fees every term

Aduna Capital is dedicated to discovering and nurturing early-stage, tech-enabled start-ups across Africa, with a special focus on empowering female founders and start-ups in underserved regions like Northern Nigeria. The firm aims to unlock the vast potential of these entrepreneurs, driving innovation and sustainable growth across the continent.

Why Northern Nigeria? Northern Nigeria, with a population of over 128 million people as per the National Bureau of Statistics 2021, presents a massive untapped market. This population is four times that of Ghana and 2.5 times that of Kenya, offering a vast pool of potential customers and talent. By 2050, Nigeria is expected to become the 4th largest country in the world, with a significant portion of this growth occurring in the North. Start-ups in sectors like edtech and agritech in this region are already making over $1.2 million in bootstrapped revenue, according to a report by NFC, 2023. With proper funding and support, these start-ups have the potential to scale significantly, both within the continent and globally.

Empowering Female Founders: Aduna Capital is committed to backing trailblazing female founders, recognizing their exceptional potential for high returns. Research shows that female founders are known to return $2 for every $1 invested in them, a statistic that Aduna Capital aims to capitalize on by allocating 50% of its investments to female-led startups. (EIB, 2021).

A Pan-African Investment Focus: Aduna Capital’s investment focus extends beyond Northern Nigeria. The fund will allocate 25% of its investments to start-ups in the rest of Nigeria and another 25% across the African continent. This pan-African approach ensures a diverse and robust portfolio, tapping into a wide range of innovative ideas and businesses.

Investment Strategy and Returns: The fund primarily targets super early and pre-seed stage investments, with a few seed-stage deals for diversification. Aduna Capital is targeting a 5-10x investor return, striking a balance between impactful investments and lucrative returns for its investors.

Contact Information: For more information, please contact: hi@aduna.vc

Samsung Nigeria has announced the launch of Samsung Innovation Campus, in collaboration with the Lagos state government, through the Lagos State Technical & Vocational Education Board (LASTVEB).

Charlie Lee, Managing Director, Samsung Nigeria, disclosed during a press conference at the Samsung office in Lagos, on Monday, November 23.

Mr. Lee said the program is aimed at educating students and unemployed youth to be experienced in key technologies of the 4th Industrial Revolution, such as AI, IoT and Big Data, nurturing them to be the next generation workforce. 

Mr. Ibukun Adewole, Head of Service at Samsung stated that, “As a socially responsible company in Nigeria, we are trying, to repay the love of the Nigerian people by focusing our empowerment initiatives on education.

“Samsung operated the Samsung Engineering Academy in Lagos until 2018. The program provided skills training to students, and about 140 of the graduates went on to be hired at Samsung or other service centers. 

“Along with such technological education, the Samsung Innovation Campus also offers soft skills training to enhance students’ employability and ability to bring their knowledge to life”, he added.

Relating Samsung’s long history and major presence in Nigeria, Charlie Lee added that Samsung established its Nigeria Office in 2005 and has operated the business for 18 years in Lagos. In 2011, Samsung Heavy Industries, an affiliated company, also entered the market. 

“Nigeria is an important country. Samsung Nigeria Office supplies products that are closely related to the lives of Nigerian people such as TV’s, smartphones, AC’s, Washing Machines, refrigerators and microwaves. We have become Nigeria’s beloved global company”, he said. 

While fielding questions from the press on Samsung’s support of The Republic of Korea’s bid for the World Expo (Busan) 2030, the MD disclosed that three Special envoys of the South Korean president visited Nigeria early this year, in May, June and October.

“The CEO of Samsung Electronics visited Nigeria recently, and had a meeting with Ambassador Adamu Ibrahim Lamuwa, the Deputy Minister of Foreign Affairs.” He said.

Reiterating the benefits of the Busan World EXPO to the Nigerian government and people, Chika Nnadozie, Head of Marketing affirmed that the Expo will be a good opportunity to share Korea’s development experience with other countries and discuss ways for the world to grow together. 

“This Busan Expo’s purpose would also be aligned with Samsung’s mission to ‘Contribute to society’ as well”, she added

In his final remarks, Charlie Lee concluded saying, “The Busan Expo will provide great opportunities to reinforce the relationship between Nigeria and South Korea. I sincerely ask the Nigerian Government for your support for the Busan Expo”.

In the dynamic landscape of Nigeria’s financial sector, the clarion call for financial inclusion resonates as a key driver of sustainable economic growth. Financial inclusion which has to do with accessibility and availability of financial services for all irrespective of income levels, holds the potential to revolutionize the economic fortunes of individuals and the nation at large. 

As Nigeria strives for economic diversification and increased global competitiveness, the importance of integrating all citizens into the formal financial system cannot be overemphasized. The World Bank Group considers financial inclusion “a key enabler to reduce extreme poverty and boost shared prosperity.”

One of the important benefits of financial inclusion is the empowerment of marginalized communities.  Providing access to basic financial services such as digital wallets, Point-of-Sale (POS) solutions and microcredit to individuals in rural and underserved areas, can break the shackles of poverty. 

This empowerment is a catalyst for entrepreneurship, thereby fostering the growth of micro, small and medium-sized enterprises (MSMEs) that are pivotal to the nation’s economic fabric. As more Nigerians gain access to financial resources, a national entrepreneurial spirit is kindled, leading to job creation and a more resilient and diversified economy.

In June this year, the Central Bank of Nigeria said it had achieved 64.1 per cent financial inclusion. This was made known by the Assistant Director, of Financial Development, of the Central Bank of Nigeria, Paul Oluikpe. He also said the Apex Bank was targeting 95 per cent inclusion by 2024. 

Initially, the CBN launched the National Financial Inclusion Strategy in 2012 with the aim to reduce financial exclusion to just 20 per cent of the adult population by 2020. This meant a target of 80 per cent inclusion. Unfortunately, Nigeria is yet to achieve that feat.

Recognising the need and opportunity for advancing financial inclusion in Nigeria through digital finance, in 2018, the Central Bank of Nigeria (CBN) introduced a new type of banking license, – Payment Service Banks (PSBs). With PSBs, the CBN aims to leverage the strengths of businesses such as mobile network operators while maintaining a bank-led rather than a telecoms-led banking model. This move is a testament to the relentless commitment of the regulator in driving financial inclusion.

The PSBs and Agency Banking outfits have a major role to play in penetrating rural locations to drive adoption of banking services among the underserved and unbanked especially the MSMEs.

The role of these MSMEs cannot be over emphasized. According to a report by National Information Technology Development Agency (NITDA), it states that MSMEs contribute about 43% to the national GDP and it is expected to grow by 26% if their services are digitized, thereby contributing about $53bn to the nation’s economy. It is critical for these economy drivers to be empowered to scale. It is important for their transactions and businesses to be captured within the formal economy and these can be achieved through digitization and continuous innovation. 

My experience working with a technology and digital payment solutions company has shown that the increased adoption of innovative solutions such as Buy Now Pay Later (BNPL) services, digital wallets and Point-of-Sale (POS) solutions are necessary to deepen financial inclusion in the country and even across the continent.

Innovations such as Buy Now Pay Later (BNPL) services, digital wallets and Point-of-Sale (POS) solutions will avail entrepreneurs opportunities to expand their customer base, reach new markets, and participate more actively in the formal economy, contributing to job creation and economic growth.

Empowering entrepreneurs through cutting-edge solutions as these will open new avenues for expanding customer outreach, tapping into fresh markets, and fostering active participation in the formal economy. This dynamic integration not only fuels job creation but also propels economic growth, reinforcing a future where innovation becomes the cornerstone of sustainable progress. 

At Interswitch, where I have plied my trade as an enterprise growth marketing professional for three years, our commitment to digital payment solutions is a pivotal step towards fostering financial inclusion and unlocking opportunities for every citizen. By harnessing the transformative power of digital transactions, we aim to bridge economic gaps, empower the unbanked, and catalyze sustainable growth. Through our innovative approach, we envision a financially inclusive continent where digital payments serve as a catalyst for prosperity, creating a more accessible and equitable financial landscape for all.

Furthermore, as Nigeria positions itself as a regional economic powerhouse, the importance of an inclusive financial system cannot be overstated in attracting foreign investment. A robust and inclusive financial sector signals to global investors that Nigeria is committed to creating an environment conducive for economic growth. 

The importance of financial inclusion in driving the growth of Nigeria’s financial industry is not just a matter of economic policy but a bedrock for sustainable development. As the nation strives for economic prosperity, ensuring that every citizen has access to and can participate in the formal financial system is critical.

However, to achieve the desired outcomes of a more inclusive Nigeria, payment industry players will do well to channel measured and deliberate efforts towards improving digital financial literacy regionally, upgrading digital infrastructure, deploying digital solutions based on relevant use case, and working closely with regulators to create policies that provides an enabling environment for digital payments to thrive pan-Nigeria. 

This article is contributed by Ikechukwu Ugwu.

Ikechukwu Ugwu is an Enterprise Growth Marketing professional with over 15 years of marketing experience across several sectors such as FMCG, Technology, Consultancy.

He is the Founder of Youths for Fintech, a non-profit organisation dedicated to training, mentoring and helping young people start and navigate their fintech careers.

Ikechukwu Ugwu writes from Lagos, Nigeria.  

In an exclusive meeting on Friday, November 17, Concordium Chairman, Lars Seier Christensen, met with prominent OTC/P2P traders in the Nigerian crypto market to discuss potential collaborations and gain a deeper understanding of the vast opportunities for EUROe, a groundbreaking Euro-backed stablecoin set to revolutionize the African financial landscape.

EUROe is a fully regulated MiCAR-compatible, Euro-backed stablecoin developed by Finnish fintech powerhouse Membrane Finance, natively on Concordium. Its anticipated issuance on Concordium offers compelling benefits to companies and investors. Projects can operate with confidence, knowing they are interacting with a regulated asset. 

As a token native to the Concordium blockchain, EUROe holders will not face bridge risk, a common issue when stablecoins are bridged back to their native chain for redemption. Furthermore, Concordium’s robust identity verification framework brings trust to DeFi transactions, as all entities know they are interacting with verified parties, without the latter needing to divulge sensitive information.

According to Lars Seier Christensen, Chairman and Founder at Concordium, said: “EUROe’s built-in regulatory compliance and seamless on- and off-ramp to the Euro is a boon to investors and DeFi projects wishing to take advantage of a Euro-pegged stablecoin for their investments and business goals. By integrating EUROe on Concordium’s regulatory-ready and enterprise-grade technology, Membrane Finance is unlocking a new era of DeFi for players who value compliance, privacy, and safety.”

The closed-door meeting provided a comprehensive overview of the vast opportunities EUROe presents in the Nigerian and African markets. With a keen eye on the crypto dynamics, the conversation delved into the substantial traction gained by USDT in Nigeria. Nigeria’s strong appetite for the US dollar has fueled its growing interest in crypto assets, particularly stablecoins like Tether (USDT), which is the most popular stablecoin in the country. The appeal of seamless, borderless payments with minimal challenges has catapulted USDT into prominence, becoming a preferred choice in the Nigerian market.

Bridging Knowledge Gaps Through Tokenization

A significant portion of the discussion revolved around the concept of tokenization and the necessity to educate the public about stablecoins and blockchain technology. Key questions surfaced on how to effectively disseminate knowledge and promote understanding in a market with varying degrees of familiarity with these concepts. Lars Seier Christensen highlighted Concordium’s commitment to collaborating with key stakeholders, including the media, to spearhead educational initiatives. The goal is to demystify innovative technologies, fostering a broader understanding and awareness among the public.

Navigating the Regulatory Landscape

In navigating the complex and ever-evolving crypto terrain, regulatory concerns took center stage. Discussions unfolded around the stringent regulations and compliance required for stablecoins. Lars Seier Christensen underscored Concordium’s dedication to navigating these regulatory waters effectively, ensuring EUROe adheres to all necessary compliance measures.

Supporting Projects and Future Collaborations

Throughout the dialogue, Lars Seier Christensen highlighted Concordium’s unwavering commitment to supporting projects that align with their vision. The potential collaboration with OTC/P2P traders signifies a strategic move to integrate EUROe into the heart of the Nigerian crypto ecosystem.

As the conversation drew to a close, the narrative echoed a sentiment of change and progress. EUROe, positioned as a catalyst for financial evolution in Africa, stands as a testament to Concordium’s dedication to innovation, education, and strategic partnerships. The event concluded with a palpable sense of anticipation for the transformative impact EUROe could bring to Nigeria’s crypto landscape.

The highly anticipated Africa Startup Festival, held on November 11, 2023, emerged as a groundbreaking event, uniting over 3,658 individuals from six different countries, including 1,953 startups and 65 investors. Hosted by Spark Africa, the festival stood as Africa’s premier sold-out tech gathering, dedicated to connecting startups, investors, founders, and products.

With a lineup of influential keynote speakers, thought-provoking panel sessions, dynamic workshops, and a bustling deal room, the Africa Startup Festival served as a vibrant showcase of the creativity, intelligence, and determination embedded in the African entrepreneurial spirit.

The festival provided a platform for profound and technical discussions through multiple panel sessions led by luminaries such as Napa Onwusah, Arthur Ibik, Oyin Solebo, Tage-Kene Okafor, David Adeleke, Koromone Asabe-Yobaere, Peace Obule, Eunice Ajim, Cynthia E. Chisom, Hakeem Onasanya, and many others who are instrumental in driving progress within the tech ecosystem. These sessions delved into diverse topics, including investment strategies, government policies, and technology trends, offering attendees a wealth of actionable takeaways and insights.

The success of the 2023 Africa Startup Festival was greatly attributed to the unwavering support of key sponsors, including Airtel, Jobberman, Yebox, Interswitch, Branddrive, AfriHealth, SendPulse, DebtRecuva, Shuttlers, Eden Life, and others. These brands played a pivotal role in transforming the event’s concepts into a tangible reality, showcasing their steadfast commitment to fostering innovation and entrepreneurship in Africa.

For Spark Africa, the 2023 Africa Startup Festival marks the inaugural edition of what promises to be a series of impactful events. While the long-term vision is to facilitate meaningful relationships within the ecosystem, the festival has already laid a solid foundation for future collaborations. It has successfully cultivated an environment characterized by mutual growth, respect, and support, setting the stage for continued success in driving innovation and entrepreneurship across the African continent.

Turaco (registered in Nigeria as Turaco Inclusive Limited), Africa’s leading insurtech, has today announced the appointment of Toba Obaniyi as its General Manager in Nigeria. He has taken charge of driving business growth and acquiring strategic partnerships. He will lead business growth through strategic partnerships to distribute Turaco’s embedded insurance solution. Toba Obaniyi’s arrival heralds an exciting chapter for the insurtech as it rapidly scales its Nigerian operations.

Toba brings to the role deep expertise with over 10 years of experience in enterprise sales of tech solutions. He has earned widespread recognition as the driving force behind WhoGoHost, Nigeria’s prominent cloud solutions provider. As pioneering CEO, Toba steered the company through a remarkable transformation, propelling it from a one-man operation to the largest web-hosting company in West Africa. 

“We are thrilled to welcome Toba Obaniyi to Turaco,” said Ted Pantone, Co-founder & CEO of Turaco. “With 80% of Nigeria still uninsured, but high levels of fintech penetration, Nigeria provides an ideal opportunity for Turaco’s B2B2C, tech-enabled model. In the first year of our Nigeria operations, we saw a high demand for insurtech solutions from both distribution partners and customers. Toba’s leadership and expertise in the region will enable us to meet that demand through additional distribution partnerships and scale our Nigerian sales, ultimately enabling us to insure more lives.”

Speaking on his new appointment Mr. Obaniyi said: “I am honoured by this opportunity to lead Turaco in Nigeria and contribute towards achieving the company’s ambitious vision of insuring the next 1 billion lives. Turaco has already established itself as the frontrunner in the insurtech space across Africa, and I look forward to building on this strong foundation to establish additional partnerships in Nigeria with other leading tech-enabled companies. Working closely with our Nigerian team and partners, we will deliver the Turaco approach of using innovation and customer-centricity to disrupt the insurance industry and provide this vital risk-mitigating tool to millions of families across the country.”

Turaco is a distributor and key customer interface between the underwriter and the end consumer and has insured over 1,500,000 lives across Africa. Targeted at underserved customers and low-income earners, Turaco forms partnerships with top tech-enabled companies with a large pool of customers or staff in emerging markets, including some of the continent’s most trusted brands such as Paga, Payforce, MAX, and M-KOPA. Turaco embeds its service as a white-labeled offering that is bundled with a partner’s core product or service while integrating with their existing payment processes to collect premiums. 

With a robust API integration that allows for easy collaboration with its external partners, Turaco enables companies to integrate insurance into their products and services efficiently and at no additional risk or cost. Turaco products are priced at ~$1/month, with straightforward terms & conditions and a fully digitized claims process that allows claimants to file via WhatsApp or phone call, paying out in less than three days via mobile money. 

Passionate about digital solutions, Mr. Obaniyi was appointed as the Vice President of the Nigeria Internet Registration Association (NiRA) Executive Board in 2019 and served as the acting chair of the Nigeria Internet Governance Forum Multistakeholder Advisory Group (NIGF-MAG). Toba is an invaluable asset in Nigeria’s digital landscape as he advocates for internet accessibility for underserved areas in Nigeria.

About Turaco

Turaco is a Pan-African insurtech driving financial resilience in emerging markets with simple and affordable health and life insurance for the underserved mass market. 

Founded in 2019, Turaco is present in Kenya, Uganda, Nigeria, and Ghana. Turaco partners with leading mobile network operators (MNOs), technology-enabled companies, and financial institutions to embed and distribute insurance products to their customers. With Turaco, individuals can secure insurance coverage with premiums starting as low as $1 per month. Turaco processes claims in less than three business days, ensuring customers receive their money when they need it the most. With a vision to insure 1 billion lives, Turaco has insured more than 1.5 million lives and has facilitated the payment of more than 20,000 claims to date.

Once characterized by overpopulation, the financial markets sector is now shifting to consolidation. Today’s traders, more educated and sophisticated than ever, demand better conditions and greater transparency from their brokers. In this new era, led by fewer, larger, and more trusted brokers, there is one name that stands out: Exness.

In fact, EXNESS is the largest retail broker in the world reporting monthly trading volumes of over $4 trillion and active clients above 600,000. But what drives Exness’ success? This article explores the milestones and principles that were foundational to its journey. 

Milestones leading to the top

During the retail brokerage boom of 2008, EXNESS was established to transform the landscape by introducing a new way for traders to access the financial markets. This strategy was two-fold: On one hand, the broker put in place transparent and ethical practices, uncommon for the industry then. On the other, it harnessed advanced technology for its product development. 

This fusion turned into a whirlwind of success. Since 2010, the broker’s trading volumes have catapulted from $2 billion to $4.5 trillion globally. Today, the broker’s reach spans over 100 countries, with offices worldwide, ranging from Cyprus, South Africa, and Kenya all the way to the UK, Curacao, and Seychelles. 

With its 2400+ workforce, including local leadership and talent, Exness is armed with the insights and knowledge to deliver the best possible, friction-free trading experience. The broker enhances its offerings with region-specific activities, such as 24/7 multilingual support, local events for partners and clients, and participation in renowned expos.

Under the hood of the leading trading engine

Even before ‘fintech’ was a buzzword, Exness had embraced the capabilities of technology, to drive its trading engine with innovative and industry-first products. This approach focuses on two facets: better-than-market conditions, and features that provide a layer of protection. 

With its conditions, EXNESS makes sure that its clients trade without the compromises of stock and currency exchanges, meaning, no protection from trade liquidation, slippage, and higher costs.

By analyzing masses of market data from different sources, its trading engine is able to distinguish the most favorable price for every trade, bringing clear advantages to its clients: 

ultra-low and stable spreads even when the markets are highly volatile or with large position sizes, and speeding execution times to mere milliseconds.

When it comes to trading, Exness’ algorithms are able to respond to market anomalies, protecting from sudden stop-outs that happen due to temporary price spikes. This is a common issue with trading but Exness, since the launch of its Stop-Out Protection tool, has reduced false stop outs by 30%, thus keeping its clients’ positions open for as long as possible. And when it comes to liquidation, with No Market Impact, its clients can lose no more than their initial capital, capping their downside while maintaining unlimited potential upside. 

Beyond trading, EXNESS has revolutionized other aspects of the trading journey. While online payments are a staple across the industry, Exness introduced the industry-first feature of seamless withdrawals, in a variety of currencies. To do that, the broker streamlined the withdrawals procedure, with algorithms that separate honest from fraudulent trading activity in advance, thus speeding up the withdrawal process to mere seconds.

Beyond technology

The broker’s stance is that no technological feat can replace human connection. Upholding this notion, Exness ensures that every client feels valued. With a dedicated team offering support in 16 languages, Exness’ clients always find the assistance they need, be it via chat, email, or phone. 

To add an extra layer of safety, Exness prioritizes funds security. It stores client money in segregated accounts with top-tier banks across the globe and ensures that its operations and practices are compliant with a vast array of regulators. The Exness Group is licensed and regulated by these leading international governing bodies:

• Capital Markets Authority in Kenya, 
• Financial Sector Conduct Authority in South Africa, 
• Financial Services Authority in Seychelles, 
• Central Bank of Curacao and Sint Maarten, 
• Financial Services Commission in the British Virgin Islands, 
• Financial Services Commission in Mauritius, 
• Cyprus Securities and Exchange Commission, and
• Financial Conduct Authority in the United Kingdom.

In retrospect, EXNESS’ success story is less about achieving numbers and breaking records and more about carving a new way for traders to access the financial markets. This niche approach prioritizes increasing trust with reliable and advanced products. As Exness reaches its 15-year anniversary, traders and partners alike can look forward to even greater innovations, shaping the financial markets landscape, and setting new benchmarks that ultimately benefit each and every one of them. Visit EXNESS for more information.

Autogon AI, an African artificial intelligence (AI) company, announced today the launch of its no-code platform to help businesses automate their operations and make data-driven decisions. 

Businesses across many industries can use Autogon for a wide array of real-world applications including subscriber behaviour analysis, disease diagnosis, delivery route optimization, crop yield prediction, recommender systems for career guidance, and more.  

The user-friendly platform offers a vast suite of tools such as predictive models, generative AI and computer vision, that are easily accessible to both technical and non-technical professionals. 

“After over a year of work behind the scenes, we are excited to launch Autogon which helps businesses automate their operations and growth,” said Ebuka Obi, CEO and founder of Autogon AI. The startup was inspired by Ebuka’s decade-long experience building tech products and seeing many businesses struggle to access tools that help them make better data-driven decisions. 

He was recently the CTO and co-founder of Africa’s leading AI-powered identity verification company Prembly (formerly known as IdentityPass). While at Prembly, Obi Ebuka David was able to build AI face biometric fraud detection and multiple AI tools to accurately detect and prevent fraud for digital institutions in Africa, serving hundreds of African businesses.

“As the leading African AI platform, we’re breaking down barriers and making AI accessible to everyone. Having access to data-driven decisions is no longer reserved to a select few companies,” Obi said.

Autogon’s AI platform will help businesses save time and money, improve efficiency, and free up employees to focus on more strategic tasks. 

With Autogon, users can create AI models quickly using drag-and-drop features. Think: creating a custom Chatbot or a fraud detection system in less than 5 minutes. Using Autogon Qore, users can perform text-to-image generation and classification, text-to-speech and speech-to-text, sentiment analysis, voice cloning, and more. Chatbot enables you to ask questions about the future, analyse medical images, and more. Autogon’s marketplace democratises access to AI by allowing anyone to buy and sell AI projects and models across 20+ industries.

Businesses can buy vetted prebuilt models from Autogon Marketplace and go live with it immediately.

Key Features 

1. Effortless AI Model Creation: Autogon simplifies the typically complex process of AI model creation. Users can easily define objectives, choose data sources, and train models without encountering the usual technical hurdles.

2. Seamless Integration: Integrating AI into existing workflows can often be a challenging task. Autogon makes this process smooth and intuitive, facilitating a seamless transition to data-driven decision-making.

3. Automated Decision Insights: Autogon’s no-code AI platform offers businesses invaluable insights from their data. This empowers them to make informed decisions, leading to sustainable growth and success.

4. Real-Time Adaptation: The business world is in a constant state of flux, and Autogon’s AI models are designed to adapt to these changes effectively. They ensure that businesses remain ahead of the curve and can respond to evolving circumstances.

The platform which has been in beta phase for the last 3 months has users (developers and executives) from leading African companies such as Access Bank, Kuda and The Bulb. 

“This is just the beginning for Autogon,” said Obi. “We have a robust roadmap to rapidly advance our platform’s capabilities. As Africa’s leading AI platform Autogon is bringing the world’s latest technological advancement to Africa because we believe that Africa is home to the future of AI.” 

Autogon’s AI platform is easy to use and does not require any coding knowledge. 
To learn more or sign up for a free trial, visit https://autogon.ai

Do you plan on upgrading to new iPhone 15 but fear losing access to your WhatsApp conversations and other data? I can relate to how you feel. It might be a hassle for you to transfer WhatsApp from Android to iPhone 15/ 15 Plus/ 15 Pro/ 15 Pro Max. Chat history must be backed up before the app can be uninstalled, the phone reset, and the backup restored. What a pain!

Don’t worry, this post will show you how to easily move WhatsApp from Android to iPhone 15 with/without computer. Just keep reading on the article . 

How to Transfer WhatsApp from Android to iPhone 15 without Factory Reset

You can effortlessly transfer WhatsApp messages from Android to iPhone 15 with the help of a great tool called iCareFone Transfer. WhatsApp messages and any attached media may be easily transferred from an Android device to an iPhone with just a few touches.

The best thing is that you can move your transfer WhatsApp from Android to iPhone without factory reset on your new device. You won’t lose any information stored on your iPhone 15, either.

Features of iCareFone Transfer:

• Directly transfers WhatsApp and WhatsApp Business chats between Android and iOS without deleting existing iPhone data.
• Restores WhatsApp backup from Google Drive to iPhone or iCloud to Android devices.
• Merges old and new WhatsApp messages between platforms.
• It supports transferring multiple data types like messages, photos, videos, voice messages, documents, etc.
• Provides a one-click backup and restore option for WhatsApp.
• Simple and user-friendly interface.

Steps to transfer WhatsApp from Android to iPhone 15 without Factory Reset:

Transferring your WhatsApp data from an Android phone to a new iPhone 15 is super easy with iCareFone Transfer. Let me walk you through the simple steps on how to transfer WhatsApp chats to new iPhone 15:

1. First, you’ll need to download and install the iCareFone Transfer software on your computer. Connects Android phone and iPhone to your computer.

2. Next, click the WhatsApp Data Transfer tab at the top of the iCareFone interface. Here, you’ll be prompted to back up your WhatsApp data from your Android phone onto your computer.

3. Follow the on-screen instructions to complete this backup process.

4. The software will extract and copy your WhatsApp data from your Android device. Depending on how much chat history you have, this could take a little while, so sit tight.
5. Once the data has been extracted, you’ll need to select what type of WhatsApp content you want to transfer – chats, media, documents, etc. Pick what you need moved over and hit Continue.

6. Now comes the actual transfer! iCareFone will automatically move your selected WhatsApp data from your Android phone into your new iPhone 15. Please don’t disconnect the phones during this; it could interrupt the transfer.

7. Finally, when the transfer is complete, your iPhone will restart. After booting up, you can open WhatsApp on your iPhone 15 and log in with the same number to access all your old chats and data safely transferred from your Android device.

That’s it! With these simple steps, you can seamlessly move WhatsApp data to your new iPhone 15 without resetting it.

How to Transfer WhatsApp from Android to iPhone 15 via Move to iOS

Want to move your WhatsApp chats from an Android phone to iPhone 15/ 15 Plus/ 15 Pro/ 15 Pro Max? You can use the official Move to iOS app to transfer WhatsApp from Android to iPhone 15 for free.

Before getting started, there are some requirements you need to meet for a successful transfer:

• Make sure to install the Move to iOS app on your Android device.
• Update WhatsApp to the latest version on your Android phone and iPhone 15.
• Your iPhone 15 needs to be brand new out of the box or reset to factory settings. This erases all existing data on it.
• Connect both phones to a power source and the same WiFi network.
• The iPhone 15 should have the same mobile number as your old Android phone.

Okay, now that you’ve got those bases covered, here are the steps to transfer WhatsApp from Android to iPhone 15/ 15 Plus/ 15 Pro/ 15 Pro Max:

1. Open the Move to iOS app on your Android device and follow the prompts.

2. Your iPhone will display a verification code. Type this into the Android app.

3. Tap Continue and select the WhatsApp option on the Transfer Data screen.
4. The app will now transfer your WhatsApp data from Android to iPhone.
5. Once complete, download WhatsApp from the iOS App Store and log in with your number to access the transferred chats.

Pros

• It’s an official, free solution provided by Apple. Can’t beat that!
• On top of transferring your WhatsApp history, it can also move your call logs, messages, photos, and other Android data to your new iPhone. Handy!

Cons

• Major bummer – it requires your iPhone 15 to be brand new or reset to factory settings. So, you’ll lose any existing data on it.
• It won’t transfer your call history or WhatsApp display name for some reason. Annoying!
• If your iPhone already has stuff on it, you’ll have to wipe it, and factory reset it first. Say goodbye to all that data!
• Some folks reported not seeing WhatsApp as an option when using the Move to iOS app. Not ideal.
• And finally, it can be a slow and time-consuming process. You’ll need patience.

How to Transfer WhatsApp from Android to Phone 15 without PC?

If you want to know how to transfer WhatsApp from Android to iPhone 15 without computer, follow these steps:

• First, download the iCareFone Transfer app from the Google Play Store and install it on your Android device.
• After agreeing to the Service Agreement and User Privacy policy, connect your Android phone and iPhone with a USB OTG cable. This allows the app to access both devices.
• You’ll need to verify your WhatsApp account to keep your data secure. Use your phone number and the verification code to confirm you own the account used to create the WhatsApp backup.
• Once the WhatsApp account has been authenticated, the app will initiate the creation of a fresh WhatsApp backup automatically. Please wait for the completion and click Next.

• Once your account is verified, iCareFone will automatically start generating a new backup of your WhatsApp data on your Android device. Depending on how much data you have, this can take a little while – just let it finish.
• Before transferring the backup, you need to turn off Find My iPhone on your iOS device. Go into Settings > your Apple ID > Find My and turn off Find My iPhone. This allows the uninterrupted transfer of your WhatsApp backup.
• Also, make sure both your Android and iPhone are fully charged so they don’t die mid-transfer! Finally, after the transfer is complete, uninstall and reinstall WhatsApp on your iPhone. This will allow you to access all your transferred WhatsApp data and chats from Android.

And that’s it! Just follow these steps clearly to seamlessly move your WhatsApp from Android to iPhone 15/ 15 Plus/ 15 Pro/ 15 Pro Max.

Final Words

Switching from an Android phone to an iPhone 15, but want to keep your WhatsApp data intact?  This article discussed three ways to transfer WhatsApp from Android to iPhone 15/ 15 Plus/ 15 Pro/ 15 Pro Max. You can pick one way you like to transfer WhatsApp to iPhone 15. If Move to iOS does not work, You can give iCareFone Transfer a shot! As we mention in the article above, Tenorshare’s iCareFone Transfer provides an easy and effective way to transfer WhatsApp chats to new iPhone.

Heifer Nigeria is thrilled to announce the winners of the AYuTe (Africa, Youth and Technology) Nigeria Challenge 2023. After an intensive journey spanning 5 months that included business incubation, mentorship, and a final pitching session with a panel of experts, Heifer Nigeria is delighted to present the top 3 winners of the AYuTe Nigeria Challenge 2023. These exceptional agritech innovators have demonstrated outstanding innovation, impact potential, and a commitment to empowering smallholder farmers through technology-driven solutions.

The AYuTe Nigeria Challenge is an enterprise development program initiated by Heifer International to identify, nurture, and support innovative, relevant and technology-driven agric-centric enterprises to grow, scale and thrive. The challenge serves as a springboard for identifying outstanding young agritech innovators, as well as assisting in the formation of strong partnerships. As a result, the competition will increase visibility for growth and improve smallholder farmers’ productivity.

National competitions build on the regional competition, AYuTe Africa Challenge which awards up to US$1.5 million each year to leading agritech innovators across Africa.

In Ethiopia, Kenya, Nigeria, Rwanda, Senegal, Tanzania and Uganda, national competitions award up to $20,000 in each country.

Prior to the grand finale of its second season, the 2023 AYuTe Nigeria Challenge, implemented by Wennovation Hub, was officially launched in July 2023 and within a 2-week period, more than 400 entries were received from agritech innovators across Nigeria. The competition subsequently went through numerous stages, including three stages of extensive screening of applications wherein multidisciplinary professionals in enterprise development, business strategy, information technology and agriculture screened the entries to select the top 20 finalists emerging from a larger pool of 80 shortlisted startups who made it past the first stage of the screening process. The top 20 finalists were further pruned down to the final 10, from which 5 finalists made it to the grand final stage.

The grand finale, themed “The Role of Youth and Technology in Addressing Nigeria’s Food Security Challenges”, was held at the Fraser Hotel, Abuja, FCT where the top three winners of the 2023 AYuTe Nigeria Challenge emerged to be awarded a total cash prize of Twenty Thousand US Dollars ($20,000).

The judging panel for the competition included prominent experts in the agricultural industry, such as Titi Ojo, Lead Consultant at Agro Chains Consult Services, Winston Ekpotu, Executive Director at Island Agro-Industries Development Company, and Femi Oluwagbemi, Lead, Business Development at LoftyInc Group. The final day of the AYuTe Nigeria Challenge 2023 also witnessed the presence of the Minister of Agriculture and Food Security, Senator Abubakar Kyari who was represented by  Dr. Deola Lordbanjou, Director, Extension Services of the Ministry of Agriculture and Food Security.

In his remarks, Dr Lordbanjou stated that “our ministry is passionate about empowering youth and creating employment opportunities in agriculture. We commend Heifer Nigeria for its dedicated efforts in bridging this gap through the AYuTe Africa Challenge Nigeria. We remained committed to work with these startups to further build their capacity.”

Celebrating the Top 3 Winners and Their Innovations

First Place Winner – Extension Africa [$10,000]

This scalable private extension service provider uses its proprietary innovative technologies to provide sustainable access to smallholder farmers.

Founder: Tajudeen Yahaya

Second Place Winner – Rural Farmers Hub [$6,000]

Developed a software (CAPTURE) that converts soil and crop data into powerful insights for smallholder farmers resulting in improved crop productivity and increased income for farmers.

Founder: Elochukwu Azubuike

Third Place Winner – Bridge Merchant Entreprises [$4,000]

A decentralized agricultural system that connects smallholder farmers worldwide. It empowers local youths to onboard farmers using technology, providing them with a real-time marketplace, training, extension services, and access to silo storages.

Founder: Chinwendu Nweke

In addition to the prize money, the winning innovator and the first runner-up will both be invited to apply for a six-month Massachusetts Institute of Technology Solve Virtual Innovator Support Program sponsored by Heifer International. In 2022, Heifer International and MIT Solve collaborated to design and launch a comprehensive support program exclusively for innovators in the Heifer International network. The six-month support program, which begins November 2023 will further grow innovators’ capacity for impact. 

Major Considerations in Choosing the Winners

The selection of the top 3 winners was a challenging task for the panel of experts. Several key considerations influenced their decision, including:

Innovation and Impact: The winners’ solutions demonstrated innovative use of technology and had the potential to make a significant positive impact on the lives of smallholder farmers in Nigeria.

Scalability and Sustainability: The selected innovations exhibited the potential for scalability, long-term viability, and integration within the agricultural ecosystem.

Market Viability: The winners’ solutions showcased a clear understanding of market dynamics and addressed existing gaps and opportunities in the agriculture sector.

These three winning solutions exemplify the spirit of innovation and entrepreneurship, offering novel approaches to address critical challenges in African agriculture, including productivity enhancement, market access, climate resilience, and financial inclusion for smallholder farmers.

About Heifer International  

Since 1944, Heifer International has worked with more than 40 million people around the world to end hunger and poverty in a sustainable way. Working with rural communities across Africa for 47 years, Heifer International supports farmers and local food producers to strengthen local economies and build secure livelihoods that provide a living income. For information, visit https://www.heifer.org

About Wennovation Hub

Wennovation Hub is a pioneering venture development company that specializes in nurturing nascent startups and teams operating within burgeoning industries. We provide them with invaluable access to incubation, acceleration, investment prospects, and mentorship to foster the growth of robust and prosperous startups.

“We are excited to announce the launch of the second edition of AYuTe Africa Challenge Nigeria,” says Rufus Idris, Country Director of Heifer Nigeria. “This challenge provides a platform to attract more young, talented entrepreneurs to agriculture, empowering them to unleash their potential and contribute to solving the numerous challenges facing our agricultural sector. We believe that their innovative tech solutions is needed today more than ever, as the country is in dire need of sustainable solution to the rising food inflation and food insecurity,” added Idris.

The 2023 AYuTe Africa Challenge Nigeria will span three months, during which eligible agritech startups will receive mentorship, business support and optimization, guidance, and market support with the Top 3 finalists receiving up to $20,000 in grants. By promoting entrepreneurship and technology adoption in the agriculture sector, the challenge aims to empower startups and advance sustainable rural development in Nigeria. 

Heifer’s AYuTe Africa Challenge Nigeria 2023 is being implemented by Wennovation Hub, a business development company that supports startups and teams across emerging sectors. Wennovation Hub will provide bespoke business and entrepreneurship support and access to expert mentors and industry leaders who will provide valuable guidance to help participating startups refine their business models, enhance their products or services, and scale their operations effectively.To qualify for AYuTe Africa Challenge Nigeria, startups must be registered and operating in Nigeria, be focused on leveraging technology to address challenges that affect smallholder farmers and drive innovation in the agriculture sector. The agritech is also expected to have a minimum viable product (MVP) or a working prototype that demonstrates the potential for impact. More information about the AYuTe Africa Challenge Nigeria, including the application portal and eligibility criteria can be found on www.ayute.africa/nigeria

One of the most anticipated ecosystem events of the year, FINFA 2.0, was a huge success. The event, which took place on the 11th of November, 2023, was well attended by leading companies in Nigeria’s tech ecosystem. 

FINFA is a PlayStation 5 (PS 5) soccer gaming tournament amongst Nigeria’s finest Startups and technology companies. This event served as a means of uniting different companies in one location, to network, share insights, and compete with one another through a game of FIFA. Also fostering unity among individuals and the tech ecosystem.

This year’s theme, “Ball Hard or Go Home” represented the high energy, spirits, and burning rage to come prepared to play, and this passion was fueled amongst all players: The determination and pursuit to become the next FINFA champion. 

For the maiden edition held in 2022, about 16 companies registered and competed. This year, the event saw over 100 companies from various tech sectors both within and outside Lagos, Nigeria signing up to compete in the tournament. Participating companies include Flutterwave, Bankly, Lenco, Fairmoney, Clan, Allawee, Prembly, Fincra, Pariti and many others.

Expressing excitement about this event, Babatunde Akin-Moses, the Chief Executive Officer of Sycamore, emphasized what the company wanted to achieve with FINFA, and how important unity is in the Financial Industry, “As a Peer-to-peer Startup, we have always known and promoted the need for collaboration and community to foster growth. So when the idea for FINFA came up, we knew that it was just what the ecosystem needed. Seeing the success of its second edition, we are even more excited to see what the next edition will bring”.

The competition, a very tense but fun contest among 100 ecosystem playerss representing various tech sectors, was highly captivating and kept both players and supporters spellbound.

In the end, a new champion emerged! Lenco took first place with a cash price of NGN 550,000,  Polaris Bank took second place with a cash price of NGN250,000, and Gamr Africa took third place winning a cash price of NGN150,000.

In an interview with the winner, he cited his experience in the tournament and his winning strategy, “I was a gamer before I moved into programming so it wasn’t so difficult. I was a bit scared because of the competition, but I’m glad I won. Surprisingly, I haven’t played video games in 2 months!”

The event was proudly sponsored by 13 companies: Choco’s Bistro, Bedrock Residencies, Reel Fruits, Malta Guinness, Sunbirds, Elev8 Media, AMD Africa, Pulse ng, TechCabal, Gamr Afica, Yess Prints, Utiva, PremiaBN. 

FINFA 2.0’s success has ignited discussions about collaboration and unity as a medium for growth in the startup ecosystem and the tech community as a whole. As the tech sector continues to evolve, events like this play a crucial role in promoting a sense of community and unity.

FINFA is the brainchild of SycamoreNG, a digital peer-to-peer lending and borrowing platform in Nigeria. Sycamore is a fintech that keeps finding innovative ways to end financial transaction struggles amongst Nigerians.

For more details on the just concluded FINFA event, as well as information on subsequent events, follow Sycamore on Facebook, LinkedIn, Instagram, and X. To find out more about Sycamore, you can check out their website: www.sycamore.ng.

Five days. Five winners. Four million Naira.

This November, Femme Africa are introducing In Her Bag – A Business Fund powered by Flutterwave, open to young business women aged 18 to 35. Our shared goal is to empower and support female entrepreneurs with the financial and social capital to nurture their businesses and cultivate their business leadership skills.

As a female-owned business ourselves, we at Femme Africa understand the different challenges many entrepreneurs face when it comes to scaling up their business. That’s why we’ve partnered with leading fintech powerhouse, Flutterwave, to give female entrepreneurs who own small and medium-sized businesses across Nigeria the opportunity to grow.

Welcoming businesses spanning various sectors – including fashion, beauty, retail, and other creative industries – Femme Africa and Flutterwave will take five female entrepreneurs on an immersive 5-day program packed with training from industry leaders. This transformative journey includes masterclasses in branding and storytelling, funding for sale, community building, and e-commerce, facilitated by Yewande Akomolafe-Kalu, Dolapo Morgan, Tobi Hamilton, Onyedikachim Nwankwo, respectively. Selected participants will gain invaluable knowledge, refine their business strategies, enhance their leadership skills and also have a chance to win a grant of 4 million Naira shared among the lucky winners.

Speaking on her motivations to curate this initiative, Femme Africa’s Programs Manager, Toluwaleke Subair says,

“In Her Bag embodies our unwavering belief in the boundless potential of Nigerian women to continually take up space and pioneer new ground.”

She continues, “This program is a continuation of Femme Africa’s commitment to equipping the women in our community with the right knowledge, resources, and support to not just thrive in their businesses but to innovate, scale, lead, and become trailblazers in their respective industries.”

Commenting on the sponsorship, Mathieu Limousi, VP of Marketing, Flutterwave says,

“We are excited to be supporting the Femme Africa team on this inspiring initiative. The goal is that together, we will make dreams come true and pave the way for a brighter, more inclusive future.”

He continues, “as we’ve always done, our mission at Flutterwave is to continue to empower and uplift small scale entrepreneurs by providing the financial and social capital they need to thrive in their businesses.”

Calling all women-founded businesses registered in Nigeria for at least 12 months, applications for In Her Bag opens on the 10th of November, you can register via the application portal, registrations to close on the 17th. In partnership with Flutterwave, our applicants must be using the Flutterwave payment gateway for business transactions. So you either use the Flutterwave store, or you have the Flutterwave API integrated into your website or e-commerce platform. If you are not registered on Flutterwave, you can do so here. The winning applicants will be selected by a panel of established business owners in their fields.

About Femme Africa

Femme Africa is a first-of-its-kind media and entertainment company that specialises in building content, community and culture for Gen Z and young millennial African women on the continent and in the diaspora.

Through written and audio-visual content, events and programs, e-commerce and creative strategy, Femme Africa emboldens African women to take up space in today’s patriarchal society. We leverage our in-depth understanding of our market, to connect brands, young talent and audiences to unique opportunities for growth and discovery.

A unique enterprise in the African market, we pride ourselves on our approach of excellence and expertise. With consistent and cutting edge solutions that tackle gender biases in society, Femme Africa is poised to revolutionise the Media and Entertainment landscape for young women in Africa and her diaspora.

Twitter    Instagram    TikTok    LinkedIn    YouTube

About Flutterwave

Flutterwave is the leading payments technology company that enables businesses across the world to expand their operations in Africa and other emerging markets through a platform that enables local and cross-border transactions via one Application Programming Interface (API). Flutterwave has processed over 550M transactions in excess of USD $32B and serves more than 2,000,000 businesses, including customers such as Uber, Airpeace, Bamboo, PiggyVest, and others. The company’s key advantage is connecting businesses to various local and international payment types to enable them to expand globally. It also enables cross-border transactions from the diaspora to African countries via its SendApp product. Flutterwave processes payments via multiple payment modes, including local and international cards, mobile wallets, bank transfers, and Google Pay. The company has an infrastructure reach in 34 African countries. For more information on Flutterwave’s journey, please visit www.flutterwave.com.

Leading Nigerian fintech, PalmPay has won the awards for Financial Institution of the Year, Best Use of Social Media and Brand Manager of the Year in person of Kevin Olumese. The award was presented last Friday at the Prestigious Nigerian Marketing Awards at Eko Hotel and Suites, Victoria Island. 

The Nigerian Marketing Awards recognises marketing excellence in Nigeria. It seeks to reward and celebrate outstanding brands, personalities and organisations in the Nigerian marketing industry. The awards are endorsed by the Advertising Regulatory Council of Nigeria (ARCON), Association of Advertising Agencies of Nigeria (AAAN), National Institute of Marketing of Nigeria (NIMN), Outdoor Advertising Association of Nigeria (OAAN), and Experiential Marketers Association of Nigeria (EXMAN). 

Upon receiving the awards, Kevin Olumese, Senior Marketing Manager, PalmPay, noted that ‘these awards are a testament to the many giant strides of the brand and evidence of the hardworking team at PalmPay which includes employees, partners, agents and merchants. It’s an honour to receive these awards because it was contested with phenomenal brands like Nigerian Breweries and MTN’s MoMo. ’

Since launching in Nigeria in 2019, PalmPay has been committed to driving economic empowerment in Nigeria. Through its secure, user-friendly, and inclusive suite of financial services, PalmPay brings top-tier products into the pockets of everyday Nigerians. With this, we drive financial inclusion. The platform has grown to over 30 million app users and over 1.1 million businesses, with 600,000 merchants and 500,000 agents as part of its cashless payment ecosystem.

About PalmPay

PalmPay is a leading Africa-focused fintech platform committed to driving economic empowerment in Africa. Through its secure, user-friendly, and inclusive suite of financial services, PalmPay brings top-tier products into the pockets of everyday Nigerians.

PalmPay offers money transfers, bill payments, credit services, and savings on its app and via its mobile money agents.

Since launching in Nigeria in 2019 under a Mobile Money Operator license, the platform has grown to 30 million users, and 1.1 million businesses including 600,000 merchants and 500,000 agents are part of its cashless payment ecosystem.

The company has disclosed USD 140m of funding. The PalmPay app is available on Google Play Store and iOS App Store in Nigeria and Ghana, with more markets going live in 2023.

In a significant moment marking a pivotal milestone in their startup journey, Metaphor Bio Partner Nigeria limited proudly announced the launch of their flagship site, on Thursday, November 9th, 2023, in Lagos, Nigeria. 

The launch attracted a diverse audience including guests, partners, colleagues, and friends, as well as key dignitaries of the Lagos State Government including Dr Atinuke Onayiga, Chairman Lagos State Health Service Commission, and Mr Fela Durotoye, the Senior Special Assistant to the President on National Values & Social Justice.

In his opening remark, Co-Founder and CEO of Metaphor, Tunde Animashaun expressed gratitude, attributing the success of the launch to a collective effort of all major stakeholders. “Today signifies a historic milestone in the early stages of our company, marking the commencement of an exciting journey, and all credit goes to God,” he declared.

Motivated by a fervent desire to utilize Clinical Research as a Care Option, Metaphor aims to revolutionize healthcare access in sub-Saharan Africa. Animashaun highlighted their global collaboration strategy, stating, “We collaborate with CROs, biotechnology firms, and academic research institutions worldwide to develop and validate innovative assays/technologies for early detection of cancers and infectious diseases in sub-Saharan Africa, following locally approved IRB protocols.”

Expressing deep appreciation for unwavering support from various quarters, including family, friends, stakeholders, Lagos State government officials, NIMR, private sector leaders, and esteemed clients, Animashaun underscored the critical role of collaboration in realizing their mission in the region.

While addressing the guests during the occasion, Fela Durotoye attributed the launch of the clinical research initiatives to a ‘Brain Gain,’ countering the ongoing brain drain that plagues the Nigerian Health Sector. He expressed appreciation to Animashaun for returning to Nigeria to spearhead this formidable initiative. ‘I believe that in the next 10 years, the success of Metaphor will serve as inspiration for thousands of Nigerian medical professionals who have garnered experience and expertise globally, encouraging them to return home and initiate ventures as impactful and graceful as what Metaphor has pioneered today,’ he declared.”

During the unfolding of the event, Tunde Animashaun took a moment to acknowledge the dedication of the Metaphor team. “They are the backbone of our company, and we highly value their dedication, creativity, and professionalism,” he remarked. Beyond celebrating a milestone, Animashaun sees today as a reminder of the hard work that lies ahead. “Today is not just a celebration of a milestone but also a reminder of the challenges ahead of us, and we seek your continued support and collaboration. Together, we can make a difference.”

The ribbon-cutting ceremony, assisted by Fela Durotoye, symbolically inaugurated the facility. Following this gesture, guests enjoyed a tour of the state-of-the-art facility and demonstrations of products in the development pipeline. The tour offered a firsthand look at the innovative solutions being cultivated within Metaphor, underscoring the tangible impact they aim to have on healthcare outcomes in the region.

In conclusion, the launch of Metaphor’s Clinical Research initiatives in Nigeria not only marks a monumental achievement for the company but also signifies a beacon of hope for improved healthcare in sub-Saharan Africa. With a commitment to collaboration, innovation, and a profound sense of purpose, Metaphor embarks on a journey promising to transform the landscape of clinical research and healthcare delivery in the region. As they navigate the path ahead, the call for continued support and collaboration resounds—a rallying cry for a collective effort to make a lasting difference in the lives of those they aim to serve.

Keywords Shiba Inu: Shiba Inu, Shiba Inu crypto, Shiba Inu price, Shiba Inu price prediction

Meta Title: Shiba Inu (SHIB) and Meme Moguls (MGLS) to Unveil Major Updates in Q1 2024, Promising Investment Opportunity

Meta Description: See why analysts are bullish o nShiba Inu and Meme Moguls and see which crypto can provide the best investment opportunity for Q1, 2024.

The crypto sector recently experienced a market rally, which made its way into the world of meme coins as well. Shiba Inu (SHIB) was one of the cryptocurrencies affected by this, as it saw a major jump during the month. In addition, Its L2 network Shibarium was also a success.

Yet, a lot of analysts are eyeing Meme Moguls (MGLS), as this upcoming platform can make major waves among Web3 circles during Q4 2024. To see what the hype is about, we will go over each project to see how far they can spike. 

Summary

• Shiba Inu to climb in value to $0.00001627 by the end of Q4 2024
• Meme Moguls to spike in value by 1,000% upon the completion of its presale
• MGLS to provide the most significant returns in Q1, 2024

Shiba Inu (SHIB) to Experience an Upswing to $0.00001627

Shiba Inu (SHIB) jumped in value by 12.2% in the past week as bullish investors regained control of the market. The on-chart data behind the Shiba Inu crypto indicates a significant increase, where its value moved from $0.00000803 to $0.00000951. 

Now, $0.0000098 is its next major price barrier, and if it passes it, it can reach new heights. The Shiba Inu market cap is now at $5,322,911,570, and this puts it on the top 20 largest cryptos list in the entire industry. It’s clear that the meme coin’s appeal has not ended, and according to the Shiba Inu price prediction, it can spike as high as $0.00001627 by the end of Q4 2024.

Meme Moguls (MGLS) Features an Ambitious Roadmap and Can Spike 1,000%

While the future of Shiba Inu is bullish, Meme Moguls (MGLS) is also making a lot of waves in the industry, as investors are hyped about its future prospects. 

The platform will feature no tax and zero fees. In addition, this upcoming Play-to-Earn (P2E) game will offer a wide range of meme-inspired assets coupled with real-time market data. Anyone can earn coins, special privileges, and even unique NFTs by participating in the ecosystem.

There are also community-building incentives, where users can access insights, discuss strategies, and initiate lively conversations. According to the Meme Moguls roadmap, they will begin smart contract development and appoint social ambassadors. 

Then, the team will begin the Meme Mogul game development and introduce the basic DAO model to develop the community. Then, MGLS will launch on popular DEXs and will get listed on established CEXs. 

In the last phase, they will introduce major ambassador partnerships and will launch on the Google Play and App Store. Now, during the beta presale stage, the crypto trades at  $0.0019. During 2024, I can surge by 1,000% based on projections.

Visit Meme Moguls

Due Network, a next-gen fintech startup, has announced their plans to launch their global payments platform in Nigeria. The solution offers borderless multi-currency accounts, enabling seamless international money movement for businesses and individuals alike. 

Due provides 50+ markets with uninterrupted access to global liquidity by connecting various domestic payment rails around the world, while facilitating the transactions at much lower costs and significantly faster settlement times compared to existing methods. As an example, a company in Nigeria will be able to use NGN via NIP to pay their vendor in Europe, who then can receive the payment in EUR via SEPA — instantly, at near-zero costs and with a few clicks from a single interface.

“The global payments ecosystem is riddled with inefficiencies,” explained CEO and Co-Founder Robert Sargsian. “Receiving funds from overseas, paying international vendors or even moving intracompany funds across countries is expensive, slow and hard to access. We are here to challenge and change that.”

Powered by open and interoperable decentralised ledger protocols, Due enables their Nigerian clients to use Naira to add/hold digital US Dollars and Euros in their accounts, which can then be used to send/receive funds across Sub-Saharan Africa, the UK, EEA and the US. Notably, all Due accounts are fully non-custodial, meaning the clients maintain complete control and custody over their funds on the platform. No intermediaries – not even Due themselves – can access the client funds in any way, providing the account holders with direct and unobstructed access without any restrictions or dependencies. 

The company is headquartered in London, UK, and recently announced its $3.3 million Seed round to further develop Due’s technology and expand its fiat currency connectivity to more markets. Due’s waitlist is now live with initial launch slated for later this month, focused on key corridors connecting Sub-Saharan Africa, the UK, EEA and the US, with expansion into Latin America (e.g. Mexico, Brazil) and Asia-Pacific (e.g. Hong Kong, Singapore) scheduled for Q1 2024. The company is also actively working to integrate digitised Real World Assets (e.g. tokenised US Treasuries) to provide more markets with wider access to yield-bearing assets.

Robert Sargsian and Co-Founder/CTO, Alex Popov, are joined by a global team spanning across London, Lagos, Munich, New York, Sofia and Mexico City. The team brings experience from renowned companies including Revolut, Uber, Binance and Bolt.

“We want to be a driving force in transforming how the global economy runs,” shared Sargsian. “Our vision is a future where money is truly global, permissionless and inclusive.”

About Due

Established in 2022, Due is a London-based fintech startup with a vision to reshape international payments through stablecoins and blockchain technology. The company provides multi-currency accounts, global transfers/remittances and merchant acquiring for businesses and individuals.

Due built its platform on top of decentralised networks to enable accessible, fast, and cheap international money movements. The platform is non-custodial, enabling clients to have full control of, and direct access to, their assets without the involvement of intermediaries.

For more information, visit opendue.com | Twitter | LinkedIn  

In a market where the promise of substantial returns captivates investors, GameStop Meme’s spectacular presale raises a staggering $2 million raised in just 24 hours – signaling a seismic shift in the crypto realm. This article dives deep into the unique features and potential of GSM, setting it against the backdrop of Chainlink’s recent market correction and Avalanche’s volatile but bullish run.

Chainlink’s Fall Vs Avalanche’s Rise : What To Make Of It?

Chainlink (LINK) has recently experienced a price correction, with a decrease of 5.04%, bringing its price down to $15.35. Analyst Ali Martinez suggests that Chainlink could potentially face a further drop to $12.5, with a worst-case scenario bringing it down to $10.5.

Despite this, Chainlink’s community remains hopeful, banking on the upcoming Chainlink Staking v0.2 upgrade and innovations like the Cross-Chain Interoperability Protocol (CCIP) to rebound from its current levels. However, the immediate future for Chainlink appears uncertain, as the market reacts to these corrections and upcoming developments.

Meanwhile, Avalanche (AVAX) presents a different story, with a recent 45% surge in its value. Currently trading at $18.12, Avalanche is showing bullish signs and may potentially surpass the $20 mark.

This uptrend is partly driven by Coinbase’s announcement to support AVAX perpetual futures contracts and the general bullish sentiment surrounding cryptocurrencies like Ethereum and Bitcoin. Avalanche’s pivot into areas like ZK Proofs and AI, coupled with its evolution through the Filecoin Virtual Machine (FVM), showcases its adaptability and potential for sustained growth.

GameStop Memes: Reinventing Meme Coin Presales

Amidst Chainlink’s correction and Avalanche’s rally, GameStop Memes has made a spectacular entry into the market. The project raised an astonishing $2 million within the first 24 hours of its presale, signaling a new era for meme coins. GSM stands out with its unique blend of community focus and meme culture appeal. Unlike the technically oriented Chainlink and Avalanche, GSM taps into the viral nature of meme coins, offering an exciting and more relatable investment opportunity.

What sets GSM apart is its ability to tap into the powerful dynamics of meme culture, combined with a strong sense of community engagement and participation. This approach resonates with a new generation of investors, seeking both financial returns and a sense of belonging in their investment choices.

Moreover, GSM’s innovative tokenomics and user-centric model provide an exciting platform for potential high returns driven by market demand and virality. In an era where meme-driven assets have shown extraordinary market performances, GSM stands as a compelling choice for investors looking to diversify their portfolios with a blend of innovation, excitement, and a promising future in the ever-evolving crypto landscape.

Time To Invest?

While Chainlink offers a robust Oracle protocol and Avalanche an adaptable blockchain platform, GameStop Memes brings a fresh perspective to the crypto market. GSM’s rapid presale success reflects strong market demand and robust community backing, suggesting substantial growth potential. Investors drawn to the excitement of meme coins and looking for potential high returns might find GSM more appealing than Chainlink’s current uncertainty or Avalanche’s technical complexity.

GameStop Memes

Website: http://gamestmemes.com/

Twitter: https://twitter.com/GameStopMemes Telegram:https://t.me/GameStopMemes

DevCareer, an African non-profit organization that supports Africans looking to start a tech career, has partnered with Block’s TBD to introduce Web5 to the continent and host the first-ever Web5 Hackathon in Africa.

TBD is a developer platform focused on making the decentralized financial world accessible to everyone

The DevCareer Web5 Hackathon is an opportunity for participants to explore Web 5 technology and decentralized technologies. Web 5 is a decentralized platform that provides a new identity layer for the web, enabling decentralized apps and protocols. This hands-on experience invites developers, designers, technical writers, and tech enthusiasts from across Africa to showcase their skills, network with like-minded individuals, and compete for a prize pool of $30,000.

The Hackathon is scheduled to run for four weeks virtually from Nov 20th – Dec 15th and is divided into three phases:

1.  Learning Phase: Participants will engage in an essential webinar led by TBD’s team during the learning phase. The goal is to provide participants with the knowledge necessary for successful participation in the upcoming hackathon and to share resources on building with Web5 technology.

2. Writing Phase: This phase allows participants to document and articulate their solutions. Sharing knowledge and resources gained during the learning phase through public posts and articles. 

3. Building Phase: This phase is the ‘Hackathon’ or competition phase, which involves participants working in teams to develop solutions for identified challenges using Web5 and decentralized technologies. 

Who is eligible to participate?

Participation is open to everyone, but it must be as part of a team. However, teams should not exceed four members and must include at least one female member.

Participants will work in teams to develop web-based applications that address real-world problems. Additionally, participants will be educated on how to leverage Web5 infrastructure to build products for the next generation of technology users and improve earning potential. With a total prize pool of $30,000, finalists will get the chance to showcase their projects to the hackathon judges.

“The team is thrilled and eager to witness the incredible solutions that will be birthed at the end of the hackathons, considering this is its first introduction on the continent”, said Sultan Akintunde, founder of DevCareer. “We are proud to host and bring the opportunities in Web5 closer to African talent through a platform that fosters innovation and collaboration. We believe that this event will inspire creativity and new ideas that will shape the future of the web.”

Generally, our goal is to inspire participants to build innovative solutions using Web5 technologies and reward innovative work with cash prizes.

Hackathon Criteria

• Participants are open to working collaboratively in a team. Each team member must possess a specific skill set related to design, engineering, or blockchain technology.
• ​​Participants will be required to invest time during the Hackathon period from Nov 20th – Dec 15th (4 weeks).
• Participants are required to register for the hackathon before the deadline on November 20th. The registration process may require participants to provide their personal information, such as name, email address, and phone number, and provide details of each member of their team (teams can be formed during the learning phase).
• Participants can form teams of up to four members, with at least one female. Each team must have a unique name and a team leader.
• Participants are encouraged to actively participate in the writing phase, documenting their project journey or sharing insights gained during the learning and building phases. This documentation can be in the form of articles, or blog posts.
• Participants must use Web5.js to develop their web-based applications. More information on Web5 can be found here. https://developer.tbd.website/docs/
• Participants are required to create innovative solutions that address real-world problems based on the area of focus selected during the application.
• Participants must present their projects to hackathon judges within the given time frame. 
• Participants must have access to a laptop with a microphone and camera, as well as reliable internet/Wi-Fi during the project demo.

Participating in the DevCareer Web5 Hackathon is a transformative journey for individuals and teams to explore and apply Web5 technologies, honing their design, engineering, and blockchain skills.

The dedicated Slack community also facilitates networking, creating opportunities to connect with industry experts.

Next Steps

• Join our Slack community to connect and collaborate with like-minded individuals. It’s the perfect space for questions and team formation if you haven’t got one yet!
• Registration for the DevCareer Web5 Hackathon is now open. For more details about the event and to register, check out https://devcareer.io/programs/web5.

About DevCareer

DevCareer is a non-profit organization focused on equipping the next generation of technologists and innovators. At DevCareer, we aim to support underrepresented tech talents venturing into the technology industry to access relevant resources to ease their learning journey. We have executed this by distributing scholarships in partnership with learning platforms, creating an inclusive community through the Laptops4Developers boot camp, and partnering with local and international organizations whose goals align with ours.

We maintain an active community of over 27,000 members, with scholarships granted to more than 4,000 individuals across diverse programs. Through three cohorts of the Laptop4Developers Bootcamp, we’ve trained and provided laptops to 172 interns, many of whom have gone on to work both on-site and remotely for prominent technology companies such as Healthtracka, Flutterwave, Bento, and Plentywaka. For more information, visit https://devcareer.io/, LinkedIn, and X(formerly known as Twitter).

About TBD
As one of four businesses at Block (fka Square), TBD is focused on creating a decentralized future that returns ownership and control over your finances, data, and identity. Guided by this vision, TBD is building an open-source developer platform and infrastructure that enables everyone to access and participate in the global economy.

TBD

LinkedIn

X (Formerly known as Twitter) 

In a resounding success, Bet9ja Foundation’s Young Executive Program (YEP) recently concluded its intensive two-day training event across Lagos, Abuja, Enugu and Benin leaving a lasting impact on the lives of young adults in Nigeria. This was a transformative journey, aimed at equipping participants with essential skills and knowledge for success in today’s competitive job market, which was implemented across four locations, welcoming speakers and enthusiastic young talents.

Esteemed speakers from diverse professional backgrounds graced Bet9ja Foundation’s Young Executive Program (YEP) during its events in October and November, delivering impactful insights and wisdom to aspiring young talents across Nigeria. In Lagos, luminaries like Raymond Adeyemi, Head of Sales at Mango Asset Management, and Obinna Igwebuike, Partner at Sawubona Advisory & Climate Policy & Strategy Consultant, shared invaluable knowledge. The program extended to Abuja, featuring speakers like Cynthia E. Chisom, MD/CEO of Aboki Africa, and Lawal Karimah, a Social Media strategist. Enugu welcomed speakers including Williams Adelegan, Google digital skills trainer, and Brainerd Odiete, Partner, Africa Strategy Advisers. The Benin event featured notable speakers like Stephen Osawaru, Senior Special Assistant to the Edo State Governor. Their collective expertise enriched the YEP experience, leaving a lasting impact on the participants’ career development and skills enhancement.

The successful conclusion of the two-day live masterclass event is a testament to the Bet9ja Foundation’s unwavering commitment to the future of the Nigerian youth. Through dynamic, interactive masterclasses and a diverse line-up of speakers, the program has left an indelible mark on the lives of its participants.  Ada Cuomo, Trustee and Vice President of Bet9ja Foundation highlighted the dynamic nature of the program and the Foundation’s unwavering commitment to empowering the Nigerian youth. It is the Foundation’s vision for YEP to serve as a push for meaningful change, aiming to equip young talents with skills that not only ensure success in the current job market but also contribute to building a future with fewer unemployed Nigerian youths.

The program’s transformative influence on participating youth is evident in their enhanced skills and expanded knowledge, setting them on a trajectory for success in the competitive job market. Beyond individual growth, YEP contributes significantly to the economic landscape of Nigeria by nurturing a pool of skilled and motivated young professionals. As these empowered individuals enter various sectors, they facilitate innovation and productivity, fostering a positive ripple effect on the nation’s overall economic development.

For more information about Bet9ja Foundation and its initiatives, please visit our website at www.bet9jafoundation.org. The YEP is just one example of our dedication to making a positive impact on the lives of individuals and communities in the regions we serve.

Shiba Inu Keywords: Shiba Inu burn, Shiba Inu price, Shiba Inu, Shiba Inu coin, Shiba Inu, Shiba Inu value, Shiba Inu coin price

Meta Title: Meme Moguls (MGLS) and Shiba Inu (SHIB) Will Cause The Upcoming Crypto Bull Run

Meta Description: Analysts have forecasted massive price gains for Meme Moguls (MGLS) and Shiba Inu (SHIB) in the next crypto bull run

There could soon be a major cryptocurrency market bull run, which is why investors and enthusiasts are searching the market for coins with promising futures. Fortunately, two tokens that are expected to ignite the next cryptocurrency bull run are Meme Moguls (MGLS) and Shiba Inu (SHIB), according to analysts. Let’s learn more about them

Shiba Inu Token Burn Pumps As Price Drops 

Shiba Inu (SHIB) price has entered the red region, losing its gains from its recent rally. The second-largest meme coin met with selling pressure at the upper price level. According to CoinMarketCap, the Shiba Inu coin price dropped 4.41% to $0.000008249. 

On the other hand, Shiba Inu’s trading volume has pumped 53% as well as its token burn rate. According to the Shibburn website, on November 10th, the Shiba Inu burn rate skyrocketed by more than 1146.71%. 

The Shiba Army burned 122,102,669 SHIB tokens, bringing the total number of burned tokens to 410.6 trillion. Many have pointed to Shiba Inu’s large supply as a factor affecting its price movement. 

However, as the supply decreases, investors are hopeful that the Shiba Inu value will experience a substantial rally. Moreover, analysts have forecasted a price increase to $0.0000174 in the crypto bull and possibly a rise to $1 afterward.

Meme Moguls (MGLS): Blending Memes And Crypto Trading

Meme Moguls (MGLS) is an upcoming project that is set to become the next Shiba Inu or Dogecoin. It would be the first meme-backed stock market/exchange in the market. According to Statista, the meme industry is expected to reach $6.1 billion by 2025. 

Meme Moguls’ goal is to ride on this wave and become a leader in the meme coin industry. This innovative platform seeks to revolutionize how people see memes and cryptocurrency trading. Its aim is to seamlessly blend the two worlds into a unique and exciting experience.

The ecosystem would have a  wide array of features you can explore. First, there is the Moguls Casino, where you engage in thrilling gameplay using meme-based assets and MGLS tokens.  Also, there is the Moguls Exchange Trading Platform where you can trade meme-based assets. Meme Moguls Fantasy Trader allows you to compete with fellow moguls for rewards and prizes. 

There is also a metaverse platform called Mogul Land, where users can interact and mine tokens. In order to increase your profits, you may also stake your token in liquidity pools. The ecosystem provides a vast array of assets influenced by memes. By doing this, you may stay up to date on meme trends and improve your trading judgments. 

Active members of the community will earn significant NFTs and exclusive gifts. You could participate in thrilling competitions, tournaments, and gameplay to increase your benefits. At the moment, $MGLS is trading for $0.0019 with no sales or purchase tax associated. By the time the presale ends, analysts forecast that the price of $MGLS will have increased by 1000%.

Visit Meme Moguls

The inaugural FCMB Hackathon Challenge sawTeam Hi-Tech, led by Afolabi Ayanfe and Sophia Ezeh, win the top prize of N3 million for the creation of the digital financial solution,Padi4Life. A partnership with Ingressive For Good (I4G), the hackathon launched a new cohort of techies and fostered innovation and creative problem-solving.

With over 2,900 entries and 60 competing teams participating in a 72-hour hackathon, Team Hi-Tech’s Padi4Life made the final shortlist. It stood out for its peer-to-peer lending, asset tokenisation, and blockchain-based investment and engagement features. 

Rita Onwudiwe and Augustus Shaminga of Team KoloPadi secured the N1 million first runner-up prize for their KoloPadi solution. The second runner-up prize of N500,000 went to Victor Tochukwu of Team Xperia for its Money Minder solution. The total prize allocation was N4.5 million. Initially, each competing Team had five members, with some dropping off and reducing the Team. Yet, resilient members like Victor of Team Xperia were undeterred and made the final shortlist as a one-person team. 

Afolabi Ayanfe, the Team Lead of Hi-Tech, expressed gratitude to FCMB, saying, “Padi4Life is designed to build a community of trusted financial partners, meeting the needs of Nigerians.” The Team affirmed its commitment to building a robust platform that meets the needs of Nigerians. They thanked First City Monument Bank for providing them a platform to launch themselves. 

Rolayo Akhigbe, Divisional Head of Transaction Banking at FCMB, stressed the bank’s commitment to innovation through Open Banking. She urged FinTechs, developers, and start-ups to utilise First City Monument Bank’s Application Programming Interface (API) to develop inclusive and sustainable solutions.

Diran Olojo, Group Head of Corporate Affairs at FCMB, encouraged winners and participants to collaborate with the bank, saying that Open Banking is the future. “The future is connected, and open banking is key to unlocking this potential. With our APIs and more in development, we are addressing challenges and creating a more inclusive and sustainable financial system for everyone. We are ready to work with innovators and call on new-generation techies to join us on this journey of building the connected future of finance.”

The hackathon judges, led by Rolayo Akhigbe, included Diran Olojo, Shamsideen Fashola, Divisional Head of Personal Banking, Bipul Deka, Chief Digital Officer, Rotimi Famuwagun, Chief Information Officer, all of FCMB and the Ingressive for Good CEO, Sean Burrowes.

The FCMB and I4G Hackathon showcased inventive concepts and technical skills. It fostered collaboration and networking among participants, creating an interactive ecosystem for knowledge exchange. First City Monument Bank, a member of the FCMB Group Plc, remains dedicated to fostering inclusive and sustainable growth within its communities. 

When tech business owners or executives consider business growth through expansion to the UK, they want to do it swiftly, however, there are bottlenecks they must go through, and they rather not have to deal with them, especially as the day-to-day running of their businesses is already too much to handle. A frequent point of contemplation is discerning the appropriate visa pathway for their team’s relocation. 

They often inquire, “Which visa category best supports my tech business type?”, Is my business suitable for a UK Tech Visa?”, “Are my team members eligible?”. For a founder on his way to way to work, sitting in heavy traffic on Eko Bridge in Lagos and thinking about how to improve his Annual Recurring Revenue (ARR) or Monthly Recurring Revenue (MRR), while also contemplating expansion, the intricacy of case preparation and visa application like collating a robust portfolio that showcases their achievements, expertise, and the business’s potential impact is a daunting task that they would rather delegate to a trusted partner. 

With the thought of business expansion, comes the articulation of vision and value proposition in a way that resonates with visa endorsement bodies, and many founders struggle with this. Moreover, aligning their team’s qualifications with the stringent requirements of an immigration policy is no small feat. They are often uncertain about how to present their case in a manner that underscores their business’s uniqueness and capacity for innovation. This labyrinth of complexities remains a huge setback for tech companies seeking to access new markets and global opportunities. 

In times like this, tech companies seeking expansion, especially to the UK can partner with Traavu, a trusted name in the Tech Business Expansion industry. Traavu has worked with top-tier tech businesses in the past year, enabling them to expand their footprint to the United Kingdom. Traavu simplifies business expansion to the UK by enabling tech businesses to set up successfully through the acquisition of the UK Global Talent Visa. The UK Global Talent Visa also known as the Tech Nation Visa or UK Tech Visa is a visa pathway that enables exceptional individuals in tech fields to move to the UK and start new or existing tech businesses. Recipients of this program can live work, and do business for up to 3 and 5 years, with a path to becoming eligible for the Indefinite Leave to Remain (ILR). Founders who may not be ready to move full-time due to existing engagements have options that allow them to stay out of the UK for 180 days in a year. A recipient can opt for a 5-year renewable visa, hence supporting business and other personal activities. 

Tech businesses that Traavu has helped expand into the UK include; Fintech, SaaS, AI and Data, Health Tech, Blockchain, Edtech, MediaTech, Asset Management, Civic Tech and more. “These tech businesses chose this path, to play on a new level in a $1 trillion economy” says Justin Aboh, Product Lead at Traavu. “The UK tech industry is worth $1 trillion. This makes it the largest tech sector in Europe, and the third largest in the world.  It is the first country other than the US and China to reach this valuation. UK startups have raised $15 Billion so far in 2023 according to Bloomberg. As per Pitchbook Market Snapshot for 2023, Private Equity fundraising, mega-fund closes, and dealmaking increased from Q1 to Q2, 2023. The UK government has also made a commitment to direct £75 billion from pension funds to startups, making UK expansion now timely and a smart business decision for Nigerian startups seeking expansion. 

To help streamline business expansion for tech businesses, the Traavu platform offers Premium and Plus services, tailored to provide end-to-end support for founders and tech business owners, saving them time and money. Traavu’s Apps powerhouse, its Utility Hub, provides access to various essential apps and services to increase the convenience of resettlement and UK business setup. Through the Hub, one can open a business bank account, and access energy, credit, business community and other essential services. There is also a team of experienced tech advisors (also tech founders with decades of experience), dedicated to each premium business user and providing them with additional guidance and support throughout the entire journey. Founders can now make quicker decisions, saving time and focusing more on their core operations.

“The UK Global Talent Visa is a great way for tech businesses to access major global commerce and investment opportunities. Enabling tech businesses and founders to expand and thrive in a new place is our priority and we are excited to have developed this product and service”, Justin Aboh, Traavu’s Product Lead says. Recent developments and investments in frontier technologies like AI show how fast-paced the global tech community is moving. Tech businesses seeking to compete must follow through, which means playing on a global stage, thus underscoring the importance of having a reliable partner like Traavu towards convenient, quicker and easier business expansion”. 
Fill out this form to kickstart your UK business expansion journey today. You can also refer a business to us and earn a 10% commission, terms and conditions apply.

In the world of finance, gold has always been a glittering staple for investors. As a tangible asset, it offers a sense of security during times of economic instability and inflation. However, the market dynamics of trading gold can be as complex as the precious metal itself is valuable. Those interested in the financial markets often look at gold as a diversification tool and a hedge against inflation, but understanding the intricacies of this market is crucial before delving into transactions.

Gold has been a standard of wealth for civilizations throughout history, but in the modern economy, it takes on multiple roles. It is an investment, a luxury, and, significantly, a commodity traded on various platforms and in different forms. From physical gold, such as coins and bars, to exchange-traded funds (ETFs), futures contracts, and mining company stocks, the avenues for investing in gold are diverse. Each method carries its own set of risks and considerations, which must be carefully weighed against the investor’s goals and risk tolerance.

When we delve into how to trade gold, we must first understand the different factors that affect gold prices. The price of gold is influenced by a range of factors including supply and demand, interest rates, currency values, and geopolitical stability. In times of economic uncertainty, gold prices often rise as investors seek safe-haven assets. Conversely, when the economy is strong, gold prices can fall as investors turn to higher-yielding assets. This inverse relationship with the economy highlights why gold trading should be approached with a solid strategy and an understanding of market indicators.

The first step in trading gold is choosing the appropriate investment vehicle. Physical gold is a favorite for those who want to hold a tangible asset. However, the costs associated with storage and insurance can make it less attractive to some investors. Gold ETFs, on the other hand, provide a more convenient way to invest in gold without the hassle of dealing with the physical commodity. These funds track the price of gold and trade on stock exchanges, offering liquidity and ease of entry and exit.

Futures contracts are another avenue for trading gold. These contracts enable investors to buy or sell gold at a predetermined price at a specific date in the future. They can be used for hedging against price fluctuations or for speculative purposes. However, trading futures requires a good understanding of the market as it involves leverage, which can amplify both gains and losses.

Another aspect to consider is the gold mining companies’ stocks. When investing in these stocks, one is not directly investing in gold but rather in the company’s ability to mine and produce gold profitably. These stocks tend to be more volatile than gold itself and are influenced by factors such as mining costs, geological issues, and management efficiency.

Regardless of the investment method chosen, the importance of research and analysis cannot be overstated. Fundamental analysis involves examining macroeconomic indicators, such as inflation rates, currency fluctuations, and global economic trends, which can influence gold prices. Technical analysis, on the other hand, involves studying price charts and using statistical measures to predict future movements.

Risk management is also a critical component of trading gold. Given the volatility of gold prices, setting stop-loss orders and taking profits at predetermined levels can help to manage potential losses. Diversifying one’s portfolio with a mix of gold investments and other assets can also mitigate risk.

Moreover, it is vital to stay informed about global events that could impact gold prices. Political instability, monetary policy changes by central banks, and shifts in economic performance of major countries can all cause significant price movements. For instance, central bank decisions on interest rates can make other investments more or less attractive compared to gold, thereby influencing its price.

Timing is another element that is often discussed in trading circles. While timing the market perfectly is nearly impossible, understanding market cycles and seasonal trends can provide an edge. Historically, gold has often performed well in the early months of the year and in the fall, during the wedding and festival season in major gold-consuming countries like India.

In summary, trading gold requires a multifaceted approach that combines knowledge of market mechanics with a keen eye on global economic and political trends. It requires an investor to be prudent, patient, and prepared for the short-term price volatility that gold can exhibit. Whether one opts for the tangible security of physical gold or the modern convenience of gold-related securities, the key to success lies in a balanced strategy that respects both the risks and the storied allure of this ancient asset.

Ultimately, an effective gold trading strategy must be underpinned by sound research, solid risk management techniques, and an ongoing commitment to learning and adapting to the market’s ever-changing rhythms. With these tools at hand, investors can confidently approach the gold market, poised to capitalize on its timeless luster and economic potential.

YellowLyfe, a Nigerian-based experience company, recently concluded a successful three-day social event called Unwind Fest, which brought together over 800 attendees. The 3-day- festival featured a unique set of activities each day, aimed at reducing stress and facilitating networking opportunities. The event was held in Lagos from November 3rd – 5th, 2023.

Day 1, November 3rd, commenced with an industry mixer event held at Maison Fahrenheit, which brought together innovators and visionaries. The purpose of the gathering was to ease up networking while being serenaded by live performers and fun activities. The event was marked by a buzzing atmosphere, indicative of the innovative and dynamic nature of the attendees.

We had Samuel Onyemelukwe, Senior VP of Global Trace TV, to give a keynote speech on the importance of collaboration and rest in the tech/creative ecosystem.

Day 2,  November 4th. To support creatives, Creators’Unwind 23  which is the first edition was held at Vogue Beach Resort an event organized for writers, artists, digital creators, and others to network and have fun. This event aims to foster creativity, and networking to encourage individuals to thrive in their respective fields.

Day 3, The grand finale, TechUnwind which is the 5th edition in Lagos happened on November 5th at Artisan Backyard, it was a chilled-out playground for tech enthusiasts/professionals. With fun activities, casual tech chats, and networking, the event celebrated the tech community’s zest for life beyond the screen. 

“Across these three days, we’ve seen the magic that happens when great minds meet in a relaxed setting,” said Seyi Olaniyan, YellowLyfe’s CEO.

A big thank you to the sponsors who supported these special events, highlighting Yellowlyfe’s knack for blending business with leisure – Mainstack, Payaza, and MyInvestar for bringing this to reality.

Supported by: TraceNaija, SippaAfrica, KingofTheBull, OloriSuperGirl Media, 

Red Media, MyTruq, Radio Now, Zedi Africa, Elyzium, WiiCreate, chopYfe, YNaija.

YellowLyfe is already looking ahead, using the momentum from The Unwind Fest to grow the connections made at the event. Excitement is building for more events to continue celebrating innovation and bringing people together.

What to expect in 2024, we are expanding to other countries like London, Nairobi, Accra, and at least 10 cities in Nigeria. We look forward to fruitful partnerships to make this come to reality.

For more information, sponsorships, about The Unwind Fest and upcoming events, 

please contact:

Email: unwindfest@yellowlyfe.com

Phone: +234 0904 902 7698

Follow @yellowlyfevents / @unwindfest for continuous updates

About Yellowlyfe

Yellowlyfe is a 360 lifestyle brand at the forefront of designing, planning, and executing memorable experiences. With a holistic approach to lifestyle curation, Yellowlyfe has become synonymous with innovative events that not only entertain but also enrich lives.

For additional information and future sponsorship:

YellowLyfe Communications Team

Email: support@yellowlyfe.com

Phone: +234 0904 902 7698

Visit: www.yellowlyfe.com

Cribstock is revolutionizing real estate investment in Africa by allowing thousands of individuals to become shareholders in valuable properties with as little as N100,000. This Nigerian startup has pioneered fractional investment in real estate, providing an opportunity for almost anyone to earn rental returns and capitalize on property appreciation—all from the convenience of their smartphones. Cribstock Inc, the startup, is headquartered in Delaware, USA, with its major operations in Lagos.

Unlocking the Dream of Real Estate Investment and Ownership
For many, the dream of owning real estate in major cities seemed unattainable due to soaring property prices that only benefited landlords. However, Cribstock’s innovative fractional share ownership model is changing the game. Now, you too can accumulate wealth as property values rise.
Harold Nno, the visionary CEO of Cribstock, shared his passion for the project, saying, “We launched Cribstock in February 2021 with the goal of helping 12 million Africans and global investors become shareholders in local private assets such as real estate, music catalogs, and art. We envision a future where property appreciation in places like Miami can benefit someone across the globe, including places like Lagos, Nairobi, Kigali, and vice versa, simply by owning fractional shares of such property.”

A Growing Community of Investors
Cribstock has already garnered the attention of over 17,000 investors and real estate enthusiasts who enjoy the benefits of share ownership. They earn a monthly rental income from the properties they’ve invested in, making passive income a reality.

How Does Cribstock Work?
Cribstock presently has two product offerings which they term “Co-ownership deal” and “Rental Deal.”

Co-ownership deal:
Imagine you want to invest in a property worth 50 million Naira, but you don’t have the entire sum. With Cribstock, you don’t need to empty your bank account. You can contribute small fractions of the total amount, like 0.1% (NGN 50,000), or let’s say you pool in 2% of the total amount, which equals 1 million Naira. Other investors on the platform may hold varying percentages, such as 10%, 1%, 5%, or 15%. Cribstock’s platform brings all these investors together, enabling them to collectively own a single property. The property’s ownership is transferred to a trustee, safeguarding all investors’ funds and assets. As tenants occupy the property, all investors receive a share of the rent. Additionally, as the property appreciates in value, your initial invested capital grows simultaneously, illustrating the fundamental principle of wealth building.

Rental Deal:
This allows you to invest in short-term rental establishments to own equity in the venture, thus earning consistent rental returns of up to 25% per annum for up to 7 years before the contract expires. “Shortlet is a hot market now in major cities, and the demand for these apartments is not slowing down anytime soon. If you have not owned any shortlet yet, it is time to do so,” says the CEO.

Below are images from some of the properties currently owned by investors on the platform:

Location: Agungi Lekki, Lagos

One of the challenges of real estate is liquidity and longevity hence it is suitable for long-term investors, and with the Cribstock model, “all properties have a minimum holding period of 5 years after which they would be sold at the new market value, and the capital plus returns would then be distributed to respective shareholders according to their ownership stakes. This enables the property to appreciate to a reasonable sum and also yield enough rental returns before it is put back in the market,” says Harold Nno.

Join the Real Estate Revolution
Ready to start owning shares of real properties? Join thousands who trust and use Cribstock by creating a free account at cribstock.com, where you can purchase shares of existing properties and become part of a community that is democratizing real estate investment in Africa. Invest with Cribstock today and embark on your journey toward financial prosperity through real estate. Trust in our platform, where opportunity meets innovation.

Company Growth:
“All thanks to the team, we can’t wait to experience the future where millions of people own fractional shares of real estate using their phones. Our partners also share the same vision; hence, we recently completed a funding round led by Fastforward Ventures. This successful fundraising effort has enabled us to hire exceptional talent, and we are currently in the process of raising a seed round,” says Harold.

In a smartphone market landscape dominated by fierce competition, Xiaomi has emerged as a true trailblazer, capturing hearts and market share in Nigeria. According to Canalys’s latest report for Q3 smartphone vendors, Xiaomi now commands an impressive 19% market share, eclipsing industry stalwart Samsung, which holds a 7% share. Xiaomi’s rapid ascent can be attributed to its unwavering commitment to delivering powerful, innovative products that consistently surprise and delight the Nigerian market.

The Power of Xiaomi’s Products:

Xiaomi’s swift ascent in Nigeria is no coincidence. The brand has distinguished itself by consistently delivering products that push the boundaries of innovation and meet the diverse needs of consumers. This commitment to excellence has allowed Xiaomi to gain the trust and loyalty of Nigerian consumers, setting the stage for its remarkable market share. The result? Xiaomi has become the brand of choice for Nigerians seeking powerful devices without breaking the bank.

Redmi 13C: A Marvel Unveiled

As the year draws to a close, Xiaomi has unveiled its latest masterpiece, the Redmi 13C. This smartphone is poised to make a significant impact, boasting a host of features designed to impress even the most discerning tech enthusiasts.

Key Features of Redmi 13C:

Captivating Camera System: The Redmi 13C comes equipped with a 50MP triple camera system, promising users the ability to capture every moment with stunning detail and clarity.

Immersive Display: Sporting a 6.74-inch display with a 90Hz refresh rate, the Redmi 13C offers an immersive visual experience, ideal for gaming, streaming, and everyday use.

High-Performance Processor: Powered by the MediaTek Helio G85 processor, the Redmi 13C delivers seamless performance, catering to users who demand speed, efficiency, and a smooth user experience.

Extended Battery Life: With a robust 5000mAh battery and 18W fast charging capability, the Redmi 13C ensures that users can stay connected throughout the day without the fear of running out of power.

Variants and Stylish Colors: The Redmi 13C caters to diverse user needs with variants including 4+128GB, 6+128GB, and 8+256GB. Users can also express their style with a choice of colors, including midnight color, navy blue, clover green, and glacier white.

Affordable Pricing: Xiaomi continues its tradition of providing value for money, offering the Redmi 13C at competitive prices: 

4+128GB – N98,100

6+128GB – N108,100

8+256GB – N121,000

The Perfect Christmas Gift:

As the festive season approaches, the Redmi 13C emerges as the quintessential Christmas gift, epitomizing the blend of style, performance, and affordability that Xiaomi is renowned for. Whether treating oneself or surprising a loved one, the Redmi 13C promises to be the gift that keeps on giving, encapsulating the spirit of innovation and joy.

Xiaomi’s impressive market share in Nigeria is not just a statistic; it’s a testament to the brand’s unwavering commitment to delivering powerful, affordable, and innovative products. The Redmi 13C, with its remarkable features and enticing price points, stands as a symbol of Xiaomi’s dedication to exceeding consumer expectations. This Christmas, it’s time to treat yourself and your loved ones to the best of technology with Xiaomi’s Redmi 13C.

Click here to learn more: https://www.mi.com/ng/product/redmi-13c/

If you’re seeking an exciting journey that promises to elevate your ambitions, push you beyond your comfort zone, and make a tangible impact on millions of lives, then look no further. Glovo, Nigeria’s leading multi-category app, is thrilled to announce the launch of its Analyst Program and invites applications from young aspiring talents ready to embark on a unique adventure. 

Glovo is  the fastest-growing multi-category platform connecting millions of users with businesses and couriers. Our on-demand services span across more than 170,000 local restaurants, grocers, supermarkets, and high street retail stores, operating in over 1,500 cities across 25 countries. Annually, our platform facilitates over €4 billion in sales for 200,000+ merchants and ensures speedy deliveries for more than 20 million satisfied customers.

Join Our Vision: To give everyone easy access to anything in their cities

The Glovo Analyst Program offers an opportunity to join our Operations, Q-Commerce, Partners & Brands and Finance & Strategy teams for an intensive 1-year program. High performance during the program can lead to full-time employment with Glovo.

Our program is designed to attract a diverse cohort of talented individuals from Nigeria and nurture them into future industry leaders, contributing significantly to our ongoing pursuit of excellence. Join us as we collaborate to discover more effective ways to advance together.

Glovo is committed to fostering an inclusive and diverse workforce through this program and other talent development initiatives, with a focus on balancing operational roles and nurturing emerging talents in the early stages of their careers.

What You Need to be a part of the ride:

To be part of this exciting journey, candidates should meet the following criteria:

• A University Degree – In any Management/Science/ Social Science Discipline. 
• 0 – 2 years experience ongoing/completed NYSC. A maximum of two years post NYSC work experience.
• Problem solving skills, data-driven with an analytical approach to work
• Strong command of English in written and verbal communication 
• Organized and detail-oriented
• Great interpersonal skills
• Comfortable working in a high growth and high-performance start-up 

Unlock your potential and accelerate your career with Glovo’s Analyst Program. Your journey to making a meaningful impact on millions of lives starts here.

For more information and to apply, please visit Glovo Careers. 

About Glovo 

Glovo is a pioneering multi-category app connecting users with businesses, and couriers, offering on-demand services from local restaurants, pharmacies, grocers, beauty stores and supermarkets, and high-street retail stores. Glovo’s vision is to give everyone easy access to everything within their city, so that our users can enjoy what they want, when they want, where they want. Founded in 2015 in Barcelona, it operates across 25 countries in Europe, Central Asia and Africa.

Theme: From Promise to Cash

Get ready for an electrifying experience that will redefine innovation at the Naija SDGs Fintech-AI Hackathon

A 2-day event that features the Hackathon Finals on the 5th of December and a Conference happening on the 6th of December.

Uchi Uchibeke, founder of NaijaHacks and AfricaHacks, stressed that the hackathon participants will use advanced technology to create local value, directly contributing to the SDGs. Collaboration between participants and partners is vital for successful hackathons, exemplified in their partnership with the Naija SDGs AI & Fintech Hackathon.

To execute these initiatives, Bankole Oloruntoba.

CEO, The Nigeria Climate Innovation Center also sheds light on the importance of this event. In his words “As an institution, we are keen on contributing our quota in achieving the UN SDGs through our various projects. In the last 2 years, the Naija SDGs Fintech Hackathon has created a platform that makes an impact while achieving the sustainable development goals through innovation and technology and we look to scale the impact this year”

The Executive Secretary, FC4S Lagos, Mr Emmanuel Etaderhi also noted that the Naija SDGs Fintech Hackathon is a journey of innovation and impact. With a history of nurturing Fintech talents to address the United Nations 2030 Sustainable Development Goals over the last three, years, we are now poised to redefine the future by introducing an Artificial Intelligence component. Our vision is to create a Fintech ecosystem that not only sustains success but also transforms the financial landscape for a greener and more equitable world.

The hackathon challenge designed to promote young talented Fintech & AI enthusiasts within the age range of 18 – 35 years is now open for registration.

If you are focused on crafting innovative AI and Fintech solutions that enhance sustainable development; register below to compete for the hackathon challenge.

https://apply.africahacks.com/challenge/Naija_SDGs_AI_&_Fintech_Hackathon

Deadline for Hackathon Registration: November 15, 2023

What to expect from the event: 

On the First day (Hackathon Finals), participants that registered for the Hackathon challenge would pitch their creative solutions to high level judges with premium experience in the sector.

On the second day (Conference), key industry leaders and subject experts would converge to explore the digital frontier and also announce the top 3 hackathon finalists.

This is an opportunity to supercharge your network for career growth and success, join us on the 6th of December at the conference to network with potential mentors, connect with industry professionals and listen to visionary speakers.

Deadline: November 25, 2023

Hackathon Finale

Date: December 5, 2023

Venue: Microsoft Office Garage, 24 Glover Rd, Ikoyi, Lagos

Time: 9am

Main Event

Date: December 6, 2023

Venue: Radisson Blu Anchorage Hotel

Time: 9am

For more enquiries, send a mail to ayomikun.olowookere@fmdqgroup.com or contact : 07047788529

The world has never been more connected and informed, thanks to rapid technological advancements. In just 25 years, we have gone from talking on the phone and meeting in person to using social media and Uber. Today, the Indomie generation can’t even imagine a world without mobile devices and food delivery apps.

In the past, finding a trustworthy plumber was difficult. You could either ask a friend for a recommendation or call a familiar plumber, even if their service was poor. There was no way to know if a plumber would be honest and reliable.

As technology evolves, it is becoming possible to access a wide range of services from your smartphone. Today, we will discuss a tech platform called wrkman, how it solves the challenges facing the Nigerian artisan industry, and how you can benefit from using it.

wrkman: your all-in-one Home Service Solution

Traditionally, many Nigerians rely on word-of-mouth recommendations and local directories to find skilled artisans and service providers. In a world where convenience and reliability are paramount, wrkman emerges as a game-changer. But what exactly is wrkman, and why is it revolutionising how Nigerians access essential services? 

wrkman is your trusted companion for all things related to home services. Whether you’re dealing with a plumbing emergency, needing a skilled electrician, or seeking a talented carpenter for a particular project, wrkman is the bridge that connects you to a vast network of verified and reliable service providers. Imagine a platform where you can seamlessly book a service, receive quality workmanship, and enjoy peace of mind—all from your smartphone.

“wrkman is just like Uber, but for Artisans” – Tunde Ebohon, wrkman CEO

Why should anyone choose wrkman for their home service needs?

• Verified and Reliable Artisans: Before any artisan is on boarded with wrkman, they must undergo a rigorous verification and selection process, so rest assured, you won’t have to worry about dealing with an unprofessional person. 
• Convenience and Ease of Booking: with wrkman’s simplistic app, all you have to do is select a service, pick from the wide range of artisans close to you, and just hit the book button.
• Wide range of services: On wrkman, you’ll find Electricians, Painters, Plumbers, Carpenters, Mechanics, Generator Repairer, Phone and laptop Technicians, Appliance Repairer, Makeup Artists, Photographers, Dispatch Riders, Movers, Caterers, and so many more.

• Quality workmanship: wrkman stands by the quality of work their artisans provide. Only the best is recruited to serve your needs. 
• Excellent customer service: wrkman employs a strong customer service force as an intermediary between users and artisans. You can’t have any worries about the job when customer service is doing the job of keeping up with the artisan and giving you live updates about the job

So what makes wrkman different from the rest?

30-day-money-back guarantee

No matter how perfect a service is, there are bound to be issues at one point or the other. That’s why wrkman has taken the step to offer a 30-day money-back GUARANTEE. When a job isn’t done the right way or a customer isn’t satisfied, wrkman sends another artisan to do the job again for free, and in extreme cases where a customer isn’t satisfied, they can get their money back.

READ ALSO – 5 MUST-KNOW TIPS FOR ANYONE LOOKING TO CHANGE APARTMENTS

3% cashback

Another exciting feature from wrkman is the 3% cash back on accumulated services every quarter. So for every dime you spend fixing your pipes, servicing your generator or car, or painting your apartment, you get a 3% cash back from wrkman that can be used for future jobs or sent straight into your bank account. 

One-stop app 

Some services require you to buy raw materials. For example, if you hire a skilled painter to paint your apartment, you would still need to get paint. wrkman has made it so that you don’t need to leave the app to find stores to buy from. Under the service provider section, you would find stores to buy all kinds of raw materials needed for your job. 

With over 22,000 users, 14,000 service providers, 23 services and over 100,000 completed jobs, wrkman is your one-stop app for all home services. Sign up today and join thousands of Nigerians enjoying the ease that comes with the wrkman app.

Raven, “The People’s Bank of Africa”, proudly announced the launch of the much-anticipated Raven Payverse, marking a significant milestone in transforming financial services across Nigeria. This all-in-one financial ecosystem introduces four major products that promise to redefine the country’s banking and payments landscape.

“The idea of an ecosystem of financial products came from a close observation and feedback from our users,” Uchenna Nnodim, Raven CEO, shared. “We hear them express their needs for faster, better simplified and convenient tools to get them through their financial journey.” 

The unveiling ceremony, presented in a captivating ten-minute video, showcased the groundbreaking products of the Raven Payverse, illustrating how it will simplify financial transactions and elevate banking experiences for individuals and businesses alike. 

Nnodim further emphasized that the company had put in a lot of time and effort to “birth four brilliantly crafted products that have forged a unique ecosystem of financial tools.”

He disclosed that the personal banking app facilitates the swift creation of virtual accounts, instant money transfers, bill payments, access to high-interest fixed accounts, and multiple savings plans, among other features. Raven business banking serves as an all-encompassing solution for businesses of all sizes, incorporating robust tools such as payroll management, invoicing, scheduled payments, expense cards, team banking, and authorisation, to name a few.

Raven Atlas, the banking-as-a-service feature, empowers customers to curate customized payment experiences for their clientele through an intuitive AI solution. Finally, BankBox offers business owners a compact terminal that fulfills all their banking needs, transforming smartphones into offline payment processors for seamless payment collections.

As Raven continues to spearhead the financial revolution in Africa, the Raven Payverse stands as a testament to its dedication to fostering financial empowerment and inclusivity within the region. With the introduction of this cutting-edge ecosystem, Raven reinforces its pledge to support the financial aspirations of every individual and enterprise in Nigeria and beyond.

To learn more about the Raven Payverse, watch the unveiling: 

About Raven 

Raven is a leading financial institution committed to transforming banking and financial services across Africa. Renowned as “The People’s Bank of Africa,” Raven is dedicated to providing innovative and inclusive financial solutions that cater to the diverse needs of individuals, businesses, and communities. With a strong emphasis on user-centric design and cutting-edge technology, Raven Bank is revolutionizing how people access and manage their finances.

As an international student in the UK, my journey has been one of discovery, challenges, and endless possibilities. The idea for SparkHQ, a platform dedicated to igniting the creativity of designers, was born out of my own experiences and motivations.
Coming from Lagos, Nigeria to Study in the UK exposed me to a vibrant and dynamic startup ecosystem. It was awe-inspiring to witness the innovative spirit of tech entrepreneurs and the remarkable designs that adorned their websites. Yet, I also understood that as a design enthusiast, the path to mastery often seemed daunting.

My motivation for creating SparkHQ was two-fold. First, I wanted to provide a platform where aspiring designers and tech enthusiast could easily access and study the remarkable designs of UK startups. I envisioned a hub where creativity knows no boundaries, where beginners and professionals could explore, learn, and grow.
At SparkHQ, designers have a treasure trove of opportunities to enhance their skills. They can visit our website and explore a wide array of UK startup websites, each with its unique design aesthetics and functionality. From fintech to e-commerce, health tech to fashion, we provide a diverse range of industries and design styles to explore.

The learning process begins with a simple click. Design enthusiasts can easily capture screenshots of the websites they find intriguing. With a single click, they can save these images for later study and reference. It’s about breaking down barriers and making the process of learning design more accessible.
Designers can open Figma and paste their captured website screenshots directly into the platform. This provides an interactive canvas for further exploration. Here, they can dissect the design elements, analyze the color schemes, study the user interfaces, and understand the intricacies of these creations. It’s a hands-on experience that brings real-world designs into the world of the learner.
By combining these aspects, SparkHQ bridges the gap between inspiration and practicality. Design students and enthusiasts can dive deep into the workings of high-quality designs and understand the logic behind them. It’s not just about admiring; it’s about learning how to recreate, innovate, and ultimately, create something unique.

But SparkHQ doesn’t stop at inspiring design enthusiasts with great designs. We also help them take the next step in their design careers. In addition to showcasing the designs of UK startups, we actively curate open design roles within these companies. This is a unique feature of SparkHQ – connecting the dots between inspiration and employment.
Our platform provides a dedicated section where design enthusiasts can explore the latest open design roles in the startups we feature. It’s a curated list of opportunities that are directly linked to the designs they admire. The designs on SparkHQ aren’t just pixels; they’re pathways to potential careers.
Moreover, SparkHQ isn’t just a resource for individual learners. It’s also a valuable tool for startups themselves. These innovative companies invest significant time and resources into perfecting their website designs. They craft each pixel with a purpose, aiming to engage users and drive growth.
By sharing their designs on SparkHQ, startups gain an incredible advantage. They showcase their creativity to a global audience of designers who seek inspiration. It’s a win-win situation. Startups receive recognition for their designs and, in return, offer valuable real-world examples for those eager to learn. In an ever-evolving digital landscape, where design trends shift rapidly, exposure on SparkHQ can also be a way to stay ahead of the curve.

SparkHQ creates a symbiotic relationship where startups contribute to the education of designers, while designers, in turn, drive attention and appreciation for these innovative startups. It’s a vibrant ecosystem where inspiration and creation feed off each other.
In my journey as an international student in the UK, SparkHQ has become a testament to the power of collaboration and the potential that arises when cultures, perspectives, and aspirations converge. It’s a platform that transcends borders and fosters creativity, enabling people from diverse backgrounds to come together and create something beautiful.

To the designers and design enthusiasts, I encourage you to explore the world of UK startups, find inspiration in their designs, and create something exceptional. SparkHQ is here to facilitate your creative journey and provide you with the tools you need to succeed.
To the startups, I invite you to share your remarkable designs with a global audience and become a source of inspiration for the next generation of designers. By doing so, you contribute to the growth of the design community while gaining recognition for your innovative work.

Ultimately, SparkHQ is a platform for dreamers, creators, and innovators. It’s a place where your design journey begins or evolves, where your aspirations become a reality, and where the world’s creative minds come together. So, join us in this journey of creativity, exploration, and growth, visit https://www.sparkhq.io/ Together, we can make design a universal language that transcends boundaries and inspires countless others along the way.

Author – Adedotun Ayodimeji
                UXUI Designer, Telus Health.

Raven, popularly known as “The People’s Bank of Africa,” has introduced a groundbreaking addition to its all-in-one financial ecosystem for individuals and businesses, “The Raven Payverse.” The unveiling of “BankBox,” a portable point-of-sale system, marks yet another significant stride in Raven’s commitment to transforming the landscape of financial services across Nigeria while fostering financial inclusion.

The BankBox, which is an update of Raven POS was introduced as a more efficient payment device for businesses of all sizes. 

Highlighting the remarkable advantages of the innovative device, Raven’s CEO, Uchenna Nnodim, emphasised that “the BankBox offers business owners a compact payment device that fulfils all their banking needs, transforming smartphones into offline payment processors for seamless payment collections.”

Developed in-house by Raven’s dedicated team of experts, the BankBox represents a pioneering solution that revolutionises the checkout process for small and large-scale businesses and service providers. With the ability to manage multiple devices simultaneously through the accompanying plugin, the BankBox streamlines transaction management, ensuring a smooth and efficient payment process for merchants and their customers.

Discussing the extensive development process, Micheal Ibitoye, Chief Liaison Officer at Raven, underscored that the concept for the BankBox originated from exhaustive research aimed at identifying the key challenges faced by merchants during the sales and checkout process. He emphasised that the primary goal was to create a solution that not only addresses these challenges but also enhances the overall efficiency and convenience of payment processing for businesses.

Designed for Every Business 

Designed for every business, the BankBox offers a much simplified payment option than traditional android POS terminals. For one, it is a much more affordable and accessible device offering significantly lower transaction costs. Registered and unregistered business owners can simply request a device by simply downloading the BankBox app from the android and iOS stores. The compact size of the BankBox also allows it to adapt seamlessly to the dynamic requirements of businesses on the move, which makes it efficient for service providers like uber drivers, logistic companies etc. 

Businesses utilising the BankBox can accept transfer and card payments, with funds promptly deposited into their assigned virtual accounts, enjoying same-day settlements and providing a range of additional functions. Including its ability to connect to both iOS and android devices and multi-device functionality which enables customers to complete payments using their mobile devices. 

Moreover, this compact device comes with no set targets, effectively removing financial constraints for businesses.

Revolutionising the Offline Checkout Process

With the BankBox, Raven is leading the charge in revolutionising the offline checkout process for businesses of all sizes.  Providing a more efficient pay to conduct payments on deliveries, businesses can now provide this payment option to their customers and equip their riders with the BankBox devices to complete these payments. 

The Raven Payverse

The BankBox is just one of the four products within the RAVEN PAYVERSE ecosystem which cater to various aspects of the banking and financial services sector. The personal banking app facilitates the swift creation of virtual accounts, instant money transfers, bill payments, access to high-interest fixed accounts, and multiple savings plans, among other features. Raven business banking suite serves as an all-encompassing solution for businesses of all sizes, incorporating robust tools such as payroll management, invoicing, scheduled payments, expense cards, team banking, and authorisation, among others. RAVEN ATLAS, the banking-as-a-service feature, empowers other businesses to curate customised payment experiences for their customers through easy-to-integrate  API solutions. 

With the introduction of the BankBox and the diverse suite of products within the Raven Payverse, Raven continues to reinforce its commitment to fostering innovation and delivering tailored financial solutions that cater to the evolving needs of businesses and individuals, further solidifying its position as a trailblazer in the Nigerian financial sector.

To learn more about the Raven Payverse, watch the unveiling: 

About Raven 

Raven is a leading financial institution committed to transforming banking and financial services across Africa. Renowned as “The People’s Bank of Africa,” Raven is dedicated to providing innovative and inclusive financial solutions that cater to the diverse needs of individuals, businesses, and communities. With a strong emphasis on user-centric design and cutting-edge technology, Raven Bank is revolutionising how people access and manage their finances.