Tag: NIN

  • SIM/NIN harmonisation, the genie lives on – By Okoh Aihe

    SIM/NIN harmonisation, the genie lives on – By Okoh Aihe

    The inability of the nation to complete the SIM/NIN harmonisation programme introduced by the government a couple of years ago is a clear illustration that there are no simple processes or even stories in our part of the world. Ordinary SIM registration which a traveller would normally conclude at any international airport on acquiring a mobile line, has become so convoluted that you would wonder at the multi agencies involved in the process in Nigeria.

    Just when you think that SIM/NIN would begin to fade from the nation’s lexicon, it pops up in another corner like the genie that doesn’t accept suppression. Only last week the story came alive again that the Nigerian government is pegging sometime in February as the final date for the programme to be concluded otherwise over 12m mobile lines would be knocked off the networks.

    This is not the first time such a deadline would be given. There have been several of them but all pointing to a shameless failure in the implementation of simple tasks which failure would usually exacerbate to trouble the lives of ordinary people.

    Nigerians are very tolerant people and would do anything to conquer the spectre of insecurity which has been their lot for as long as they can remember. The NIN/SIM harmonisation programme which was projected as a magic wand to insecurity was supposed to be a quick walk – just 15 days and everything is over. Insecurity would be a thing of the past as nobody would be able to use mobile numbers again to demand ransom.

    Just a few days to the end of 2023, insecurity remains more hydra-headed, putting a lie to the efforts of the government and various communities. Just a couple of days ago, a young lady had told me that secret killings were going on in the Plateau and that nobody was reporting them. By Christmas day over 50 people were killed in one fell swoop, thus unmasking our pretences and the propensity to bury our heads in the sand like the ostrich. Insecurity. More kidnappings are happening and more banditry recorded and no magic wand has resolved the anger of the children of hell running rampant in our nation.

    Insecurity. Feelers from the Nigerian Communications Commission (NCC) clearly demonstrate that concerns over the exercise has been elevated to red to the extent that another deadline is being contemplated. But it would seem as if the mobile operators are the main culprits why the process is faltering. Not at all. This writer has been reliably informed that anybody conversant with the process since the SIM/NIN get-go would really be angry.

    Okay. Let’s go step by step. SIM Registration began in 2011. It continues to be ongoing. By 2015, MTN took the fall for the entire industry when it got slapped with a fine of N1.04 trn in October for failing to disconnect 5.1m lines on its network. The fine was reduced to N330bn in June 2016 after protracted negotiations. MTN took the fall because I can say without equivocations that it was not the only guilty party. But that has not resolved the problems of SIM registration or the pervasive insecurity plaguing the nation.

    By December 2020, a little complication was introduced to the process of SIM registration. The process must be harmonised with NIN acquisition. Although at the launch of SIM registration in 2015 the NCC had said that the National Identity Management Agency (NIMC), alongside the security agencies would be some beneficiaries of the process in carrying out their national assignments, NIMC would become a more central player in the entire process and, in fact, nearly dictating the entire registration process.

    In Nigeria, there are parallel layers of identification an individual must go through or carry even as a burden. There is the International Passport, Driver’s License, Bank Verification Number (BVN) with NIN created as the supremo. No one comes easy so the individual must suffer. For instance, during the COVID-19 pandemic, Nigerians were made to suffer all sorts of indignities, including going to queue in crowded places to be able to harmonise their SIM with NIN. They risked their lives to use their phones.

    Since then, NIN seems to be enjoying a contrived voyage and relevance. In whatever you need to do officially, your NIN is required. It even occupies a pride of place in your international passport, and may soon become a prominent requirement in contracting marriage or having a girlfriend! Oh, the story of Nigeria, how the leadership wants to make us look stupid.

    The drawback however, is that NIMC doesn’t seem to have the capacity to shoulder its can of responsibilities and this resonates in the flip-flop process of the SIM/NIN harmonisation. An operator once told me that the NIMC platform is so small that it cannot handle activities from the operators without breaking down. The story has hardly changed.

    There are other problems – the big man syndrome as most big people impose their importance on Nigeria by refusing to obey the laws. They refuse to release their real identity and direct their aides to do some dirty jobs on their behalf. Apart from high networth individuals, this writer was told that even some lawmakers who should be the first to obey the laws they make don’t have valid registration.  It is the case of leadership creating problems for the ordinary people to solve

    And then the Nigerian factor where individuals must profit from any process.This is not dredging up scurrilities just to damage the nation’s image but about weaknesses in the value chain of processes which we permit to fester so that some individuals can be happy to retain their ego and cream off the nation’s commonwealth.

    An industry source told me within the week that the SIM/NIN harmonisation policy is a good policy but the driving force was not for the policy to succeed. There was something else, the source maintained. There are several layers of contractors working at the backend.

    NIMC introduced the Virtual NIN which only the organisation could develop and send to the operator. Under the process, it was possible for one person to still be able to register as many SIMs as possible, even over 100. Each virtual SIM cost money which did not go to NIMC but to the contractor embedded in the process through a process called Tokenisation.

    So, if the harmonisation policy was for phone users to carry proper identity and in the process fight insecurity, that was lost to the greed of individuals who must feed on the people’s misery.

    “It is not that we do not have the capacity to do this business except that some people put themselves in the middle of the government’s business in order to profit from the process,” the source lamented.

    Although the mobile operators have every reason to be alarmed about another deadline being set for the completion of the harmonisation process, one would want to suggest here that what should enjoy priority is auditing of the entire process. From all indications, the exercise was so rotten that innocent Nigerians were tricked to feed a process which proceeds ended up in private pockets.

    Auditing the process is not only about money but also to deracinate the various bagagges that had stifled the entire policy implementation. “There is a criminal ring around SIM/NIN registration that has to be dismantled,” the source informed.

    For this writer, it is not just about deadlines or blaming the mobile operators about the failure of the policy implementation but first about putting the NCC and NIMC in order before whipping the industry in line.

    “The last administration created more problems than we tried to solve,” according to my source but time has come to start rebuilding the process all over. Passing the buck, one would want to observe, is one expressway to failure. I will want to assume here that the President Tinubu administration would tread the narrow path to put the SIM/NIN harmonisation policy to bed.

  • SIM cards not linked to NIN set for deactivation

    SIM cards not linked to NIN set for deactivation

    A deadline has been given to telecommunications operators in Nigeria to disconnect Subscriber Identification Modules (SIM) not connected to the National Identity Number (NIN).

    According to the telecommunications operators, all SIM cards not connected to the National Identity Number will be disconnected from February 28, 2024.

    Gbenga Adebayo, the chairman Association of Licensed Telecoms Operators of Nigeria (ALTON), confirmed this to Newsmen on Tuesday.

    He said  the directive to deactivate SIMs not linked to NIN is the Nigerian Communications Commission, the country’s telecom regulatory body.

    He explained that the implication is that subscribers of Nigeria’s Mobile Network Operators, including MTN, Airtel, and Globacom, whose SIMs are not linked to NIN, will be deactivated.

    “The implication is that those who do not have their SIMs linked to the National Identity Number or whose lines have been linked but are yet to be verified need to do otherwise; otherwise, they will be disconnected.

    “You know that it is a government directive; it is not our decision; if you read the press statement, the Nigerian Communication Commission directed that we should withdraw the service.

    “We only have to abide by the regulatory directive. We are concerned about the directive because of the number of active subscribers on the networks, but we can only ask people to abide by it because it is a government directive,”

    The development came after the federal government issued several NIN-SIM linkage deadlines.

    Recall that in December 2020, the federal government introduced the SIM-NIN Linkage policy to curtail insecurity and enshrine sanity in the telecoms sector.

    According to NCC, the number of telecom subscribers in Nigeria hit 220,715,961 million as of August 2023.

  • CBN told to ease BVN registration

    CBN told to ease BVN registration

    The Chief Executive Officer of Arvofinance, Mr Ayotunde Bally, has urged the Central Bank of Nigeria (CBN) to to simplify Bank Verification Number (BVN) registration and make it more accessible for people in rural areas.

    Bally gave the advice in an interview on Tuesday in Lagos State against the background of the recent plans by the Central Bank of Nigeria (CBN) to freeze bank accounts without BVN or National Identity Number (NIN) by April 2024.

    The apex bank’s initiative is to enhance financial inclusion and strengthen Know Your Customer (KYC) procedures in the financial system.

    Arvofinance is a fintech company that provides online loans to consumers without collateral and guarantors.

    The CEO urged regulatory bodies to  partner with post offices or private organisations that have a wide reach for a more inclusive and accessible approach to BVN registration.

    He also proposed exploring digital solutions to streamline the registration process to make it more convenient.

    “Closing all accounts without BVN is a big deal, causing two major headaches. Individuals without a registered BVN will face difficulty accessing their bank accounts, potentially causing financial inconvenience and disruptions in their daily lives.

    “While pushing BVN registration isn’t a bad move to tackle fraud and to ensure the integrity of the financial system, the whole registration process of BVN registration is a hassle.

    “So, why not make it easier by teaming up with post-offices or private organisations with wide reach in the rural areas and going digital?,’’ he said.

    Bally also said that it was unfair to ask people to travel to cities for BVN registration, considering the current economic climate and high transportation costs.

    “ With the current economic climate and high transport costs, forcing people into cities for registration seems unfair.

    “Before dropping the deadline, the government should put measures in place to sort these issues, and not disrupt the efforts for financial inclusion,’’ Bally said.

    He expressed frustration with government priorities, adding that it prioritises its own interests over the well-being of its citizens.

    He said, “sadly, our government tends to prioritise itself over the people it’s supposed to serve – classic move.’’

    Meanwhile, Mr Chika Nwosu, Managing Director, Palmpay, a mobile financial services platform, supported the apex banks plan to freeze all bank accounts without a BVN OR NIN.

    “Palmpay welcomes the CBN’s directive on all existing and new tiers 1,2, and 3 wallets having Bank Verification Number (BVN) or National Identification Number (NIN).

    “We are committed to ensuring compliance and fostering a secure financial ecosystem.

    “As a forward-thinking fintech platform, we believe that this measure will enhance the overall security of users’ wallets and the protection of users’ data while providing seamless financial services.

    “Through various in-app activities, we have always encouraged our tier 1 users to link their accounts with their BVN or NIN. We are fully aligned to drive the new directive,’’ he said.

    The CBN new plan means that any bank account holder that does not have a BVN or NIN by April 2024, will not be able to access his or her bank account to make withdrawals, deposits, or transfers.

    The CBN has implemented this policy to improve financial inclusion and reduce the risk of financial fraud.

    BVN and NIN are both unique identifiers that can be used to verify a person’s identity.

    By requiring all bank account holders to have a BVN or NIN, the CBN hopes to make it more difficult for criminals to open fraudulent accounts and use them for illegal activities.

  • BVN, NIN: Sanction banks, not customers – Expert urges CBN

    BVN, NIN: Sanction banks, not customers – Expert urges CBN

    A Financial Expert, Mr Okechukwu Unegbu, has urged the Central Bank of Nigeria (CBN) to sanction banks that allowed customers to operate accounts without their BVN and NIN.

    Unegbu, a past president of the Chattered Institute of Bankers of Nigeria (CIBN), said this in an interview with the News Agency of Nigeria (NAN) on Sunday in Abuja.

    He spoke against the backdrop of the recent directive by the apex bank to freeze all bank accounts without a Bank Verification Number and National Identification Number from April 2024.

    The directive was contained in a recent circular issued by the CBN to all Deposit Money Banks (DMBs).

    The circular was jointly signed by the Directors, Payments System Management Department, Chibuzo Efobi, and  Financial Policy and Regulation Department, Haruna Mustapha.

    The apex bank also directed that all the BVN or NIN associated with all accounts/wallets must be electronically revalidated by January 31, 2024.

    It said the directive was part of efforts to promote financial system stability and strengthen the Know Your Customer (KYC) procedures in all financial institutions.

    According to Unegbu, the apex bank should spare the account holders and impose heavy sanctions on the DMBs.

    “It is the fault of the DMBs; instead of punishing the customers, the CBN should sanction the banks heavily.

    “They were instructed to ensure that every account holder had the BVN and NIN, but they failed to comply because of the greed to have deposits,” he said.

  • CBN reveals date it will freeze account without BVN, NIN

    CBN reveals date it will freeze account without BVN, NIN

    The Central Bank of Nigeria has revealed that all bank accounts without Bank Verification Number and National Identification Number frozen as from April 2024.

    The CBN has directed a “Post no Debit” restriction on all bank accounts without BNV and NIN starting from second quarter of next month.

    The term  “Post No Debit” is  used to describe a restriction imposed by banks on specific accounts, preventing customers from making withdrawals, transfers, or any other debits from their accounts.

    This measure effectively freezes the funds in the account, rendering it inaccessible for the duration of the restriction.

    The Central Bank also stated that all the BVN or NIN attached to and/or associated with AL accounts/wallets must be electronically revalidated by January 31, 2024.

    The circular was jointly signed by the Director, Payments System Management Department, Chibuzo Efobi, and Director, Financial Policy and Regulation Department, Haruna Mustapha.

  • National Identification Number is free – NIMC DG

    National Identification Number is free – NIMC DG

    The National Identity Management Commission (NIMC) has advised Nigerians to report incident of extortion or harassment in the course of enrolment for National Identification Number (NIN) to its offices.

    The NIMC Acting Director-General Mrs Abisoye Coker-Odusote said this in a statement on Monday in Abuja.

    “NIMC has been made aware of certain reports involving some Front End Partners (FEPs) who were allegedly extorting money from members of the public for NIN enrolment.

    “Even as they are currently being subjected to a revalidation process.

    “You can reach out to our official channels, including our website, social media platforms, or our helpline, to report such incidents.

    “Your reports will help us ensure that the NIN enrollment process remains free and accessible to all Nigerians,” she said.

    Coker-Odusote added that the commission remained committed to its mission of providing a secured and universally recognised identity management system for Nigeria.

    She said that NIMC would not tolerate any act of extortion or harassment of citizens in enrolment centres.

    “We want to strongly condemn and address such unlawful activities. It is crucial to emphasise that these actions are not only unethical but also illegal.

    “We have a zero-tolerance policy for such misconduct, anyone found engaged in such activities will face the full force of the law,” she said.

  • 44% of NIN enrollees are females – NIMC

    44% of NIN enrollees are females – NIMC

    The National Identity Management Commission (NIMC) says the National Identification database shows a low coverage and gender gap in the registration project, considering the notion that there are more women than men.

    The Director-General of NIMC, Mr Aliyu Aziz, said this during the Inclusion for all (I4ALL) Dialogue on Thursday in Lagos.

    The event has as its theme; “Digital ID for the Last Mile – Enabling Access to Digital ID for Rural Female Agricultural Workers”.

    According to him, over 101 million persons have registered for the National Identification Number (NIN), while only 44 per cent enrollees are females.

    Aziz said that a gender study conducted by NIMC and the World Bank, identified some of the barriers to accessing ID as lack of awareness, none value or use of ID, accessibility issues.

    Others are, time taken to
    register, lack of documentation, biometric capture issues, among others.

    He said that robust, inclusive and responsible foundational ID systems could be transformative for the poorest and most vulnerable population.

    Aziz noted that would also enable the population gain access to basic health care, education and social safety
    nets; facilitate financial inclusion and foster the empowerment of
    people, including women and girls.

    Similarly, Zaina Sore, Head, Capacity Development, International Institute of Tropical Agriculture (IITA), emphasised the significance of digital identity in empowering and deepening financial inclusion for rural women and transforming their livelihoods.

    Sore who presented the findings from the targeted research study on “Access to Identity, Empowerment, Livelihood, and Financial Inclusion of Rural Female Agricultural Workers and Traders in Nigeria”.

    She noted that many of the women engage in different agricultural activities and trading, particularly in the informal sector.

    “It is important that we better understand their needs and challenges to tailor the services that will lead to greater inclusion and economic empowerment,” she said.

    The study, commissioned to IITA by I4ALL, was carried out in the first quarter of the year in Kano, Oyo and Rivers States.

    It revealed some new insights and validated pre-existing data insights from I4ALL’s analysis of the 2020 Enhancing Financial Innovation and Access (EFInA) A2F (Access to Finance) dataset.

    “For instance, Kano State recorded higher levels of NIN ownership by 77 per cent among the respondent groups, compared to Oyo which has 58.1 per cent and Rivers with 46.6 per cent, contradicting our hypothesis of lower enrolment rates in the North.

    “However, the research highlighted how socio-cultural norms can be used as a deliberate strategy to drive female enrolment in the North.

    “The barriers to NIN enrolment remained consistent, from the cost of transportation to distance from enrolment centres and tedious enrolment processes,” she said.

    Commenting on the findings, Chinasa Collins-Ogbuo, Convener and Head, I4ALL, said universal access to formal identification requires an intentional focus on the most vulnerable Nigerians – likely to be poor female farmers in rural communities.

    Collins-Ogbuo said that NIMC had done a great job with the momentum achieved towards ID enrolment of Nigerians, stressing that it must be maintained.

    “Reaching the last mile is the most challenging part; specific and targeted approaches must be designed and implemented to reach them successfully and leave no one behind.

    “NIMC identity strategy clearly recognises the need to ensure that excluded populations are included in the enrolment process, and this research reinforces that need, demonstrating the urgency for action.

    “The poorest excluded populations are most often the hardest to reach, and can be the most resistant to participation, but stand to gain the most from the range of government and financial services that inclusion enables,” she said.

    She said that to achieve NIMC’s ambitious enrolment targets, all relevant stakeholders in the public and private sector must work together to ensure that the enrolment system reaches those who need access to the services the most; the vulnerable and marginalised.

    “The Inclusion for all Dialogues event highlighted the importance of collective efforts in creating an inclusive and equitable society.

    “By empowering rural female agricultural workers with digital identification, we can unlock their potential, enhance economic productivity, and drive positive change for the entire nation.

    “Our aim is to cultivate a strategic platform of cross-cutting actors with a shared goal to uncover the links that exist between income level, identity ownership and financial inclusion in order to identify opportunities to accelerate the pace of digital financial inclusion,” she said.

    According to Collins-Ogbuo, I4ALL remains committed to its mission of fostering financial inclusion for all Nigerians and will continue working with partners, stakeholders, and policymakers to address these pressing challenges.

  • 427, 962 Nigerians abroad get NIN – NIMC

    427, 962 Nigerians abroad get NIN – NIMC

    The National Identity Management Commission has revealed that the number of Nigerians with National Identification Numbers have risen to 25.17 per cent in May 2023.

    Recall that NIMC launched its diaspora enrolment exercise in 2019.

    According to the May 2023, NIMC update, the number of diasporan Nigerians in its database hit 427,962, with 178,799 females and 249,163 males.

    427,962 Nigerians have so far been registered since it was  launched in 2019 according to NIMC.

    There were at least 1.7 million Nigerians living in the diaspora according to the World Bank. The global bank disclosed this in its ‘The World Development Report 2023: Migrants, refugees, and societies’, report.

    It said, “At a lower level of income, Nigeria is home to almost 1.3 million immigrants and is the origin for 1.7 million emigrants.”

    When NIMC launched the service, it said the exercise was aimed at capturing Nigerians living outside the country into the National Identity Database, ensuring they benefitted from the owning NINs. Without NINs, diasporan Nigerians could not renew their passports, and enrolment was not free.

    NIMC noted that “Nigerians abroad, however, also have the choice of enrolling for free whenever they travel back to Nigeria, provided they have valid passports.

    “Where, however, their passports have expired, they must obtain their NINs as a prerequisite for renewal of their Nigerian international passports or in order to acquire new passports.”

    The service is available in 77 foreign countries according to a list on NIMC’s website. 40 of these countries are African, nine are in Asia/Middle East, 23 are in Europe/Oceania, and five are in the American region.

    Meanwhile, NIMC has now captured over 100 million Nigerians into its database. It said, “NIMC’s enrolment figures as of May 27, 2023 currently stand at over 100 million unique records. The highest cumulative enrolment figure of over 10.9 million was recorded in Lagos State.”

    So far, 43.28 million females and 56.75 million males have NINs. The top five states with NIN enrolments are Lagos with 10.92 million, Kano with 8.84 million, Kaduna with 6.19 million, Ogun with 4.19 million, Oyo with 3.89 million.

  • FG approves banks to issue debit cards that double as identity cards

    FG approves banks to issue debit cards that double as identity cards

    The Federal Government says Nigerians can now request their commercial banks to issue them with a debit card which doubles as their National Identity Card at no extra cost.

    Minister of Communications and Digital Economy, Prof Isa Pantami, who disclosed this on Wednesday in Abuja, said the approval was obtained at the meeting of the Federal Executive Council (FEC).

    The meeting was presided over by President Muhammadu Buhari at the Presidential Villa, Abuja.

    He explained that the approval followed a memo from the National Identity Management Commission (NIMC) allowing banks to print a multipurpose debit cards that double as National identity cards.

    He said: ”It is going to be a form of multipurpose card where it will serve as your national identity card on one hand and also your bank card on the other hand, either Mastercard, Visa or any other kind of card.”

    According to Pantami, although the NIMC Act 2007 only mandates Nigerians to have a National Identity Number and not necessarily a printout card, demands for cards have swelled nonetheless.

    “As in the NIMC Act 2007, section 27, what is mandatory for our citizens and legal residents is the acquiring of the National Identity Number, not the card. However, the card is optional.

    “But many citizens, particularly those living in rural communities, always go to NIMC offices complaining that they need the card at hand, even though it’s optional.

    “To make it easier, NIMC last year, we introduced a smart ID card you can download from NIMC app. It is just a smart card. You don’t need to have it physically, but that is becoming difficult for our people living in rural communities.”

    To ease the difficulty, Pantami said NIMC had partnered with the Central Bank of Nigeria ”so that citizens who are interested in having a card at hand can easily go to the relevant banks.”

    According to him, the bank is permitted to print the card along with either Mastercard or Visa card.

    ”It is going to be a form of a multipurpose card that will serve as your national identity card on one hand and also your bank card on the other. And based on the agreement, it is without any additional costs on our citizens.

    “So when you apply for a card at your bank, you can indicate that ‘I want this card to be multiple purpose where it will serve as my bank card and also my national identity card’.

    ”Both of them are going to be printed on the same card and it is going to serve the same purposes without any additional costs,”

    The Minister disclosed that NIMC and the CBN signed a nondisclosure agreement to protect the privacy and confidentiality of card applicants.

    “NIMC and the central bank signed a nondisclosure agreement where your privacy and your confidentiality must be respected in the course of providing the card for you.

    “When you apply for the card, the bank will apply online to NIMC through their database.

    ”When they verify and confirm that your record in the database is in alignment with your record in NIMC database, it will be permitted and the card is going to be printed for you immediately,” the minister added.

    The Minister also said that FEC also approved a memo proposing the deployment of an automated system to integrate NINs with individual SIM cards.

    The system, he noted, would consolidate the implementation of the NIN-SIM linkage.

    He said “As we all know that previous administrations made efforts to verify NIN and SIM starting from 2011 without success.

    ”In February 2020, President Muhammadu Buhari approved the implementation of the policy and the revised version of the policy was also launched and unveiled by Mr. President on May 6, 2021.

    “As it stands today, the NIN and SIM policy registration is being implemented. In order to consolidate the implementation.

    “The Nigerian Communications Commission came up with a proposal that will enhance the implementation of the policy and bring many more benefits to it.”

    Pantami said the automated system would sanitise the database and ease the process of SIM replacement for Nigerians or legal residents.

  • FG releases new speedy guidelines to procure passport, set new charges

    FG releases new speedy guidelines to procure passport, set new charges

    Following the slow process of procuring international passport by Nigerians in the country, the National Identity Management Commission (NIMC) has announced a new framework agreed upon with the Nigerian Immigration Service (NIS) to improve the quality of service, accuracy, and speed of passport services for Nigerians.

    According to NIMC, the process would be done through the timely verification of the National Identification Number )NIN)

    A statement signed and made available to DAILY POST on Monday by Kayode Adegoke,

    NIMC’s Head, Corporate Communications, Kayode Adegoke made this known via a statement signed and made available to pressmen on Monday.

    Adegoke revealed  that this new arrangement is geared towards streamlining passport application, renewal, and issuance processes as directed by the Ministry of Communication and Digital Economy.

    Applicants, according to the new arrangement, would be charged for each Nigerian passport.

    “The applicable NIN verification fee is N1000 for Nigeria, for African countries it is $5.00 (or its equivalent in other currencies) while other countries will pay $15.00 (or its equivalent in other countries),” the statement said.

    “The NIN service, fees, and the new NIS process will go live on 1st April 2023.”