₦airaland Forum

easytech1:
what you post here already speak for itself, you didn't compose it yourself.
let me just advice u as am expected to do;
Nigeria needs someone like buhari to reposition it first. I doubt if u know that you have to be above 50 b4 u could aspire to be president? that's one of the things buhari needs to reposition.

oga mi, don't try to prove that u know all while in the real sense, u are ignorant of the fact that a person must have attained 40 years and not 50.

easytech1:
what you post here already speak for itself, you didn't compose it yourself.
let me just advice u as am expected to do;
Nigeria needs someone like buhari to reposition it first. I doubt if u know that you have to be above 50 b4 u could aspire to be president? that's one of the things buhari needs to reposition.

oga mi, don't try to prove that u know all while in the real sense, u are ignorant of the fact that a person must have attained 40 years and not 50.


I mean no harm oo

I have kept mute about this issue for long and I think it is time i aired my opinion. The law has nothing to do with whether a man is an imam or a pastor, then y aggravating issues? This man has his right under the constitution of Nigeria to vote and be voted for. If u are against his right to be voted for, then all pastors and imam must renounce their rights to vote.
To me, I think those people who are against this man are against change and are selfish due to the fact that the man is a pastor and can use his influence to reduce corruption and change some things in Nigeria.
Lastly, if it is because of the politics, is there no politics in the church?

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Mprex:
Op. That girl you are asking out is not straightforward. For her to go out with you, her friend's ex is a very disloyal thing to do.

Dont be shocked if by tomorrow, she ditches you for a friend of yours too

thanks very much.

delishpot:
She dis not know? It all depends sha. I know of cases where friends marry the dispised toaster of their friends. I know two personally. The friend(former) was playing hard to get and looking down on my padi and he gave up on her after like 6 months and toasted the friend. when approached, she accepted the proposal since her friend clearly did not want him. and now they are married. Though she lost the friendship sha.
Well, since she did not know, that is another thing o. You just have to wait and see on the outcome.

thanks bro

delishpot:
Maka why? If the friend likes you and she is good to you, abegi go ahead and marry her.
Ehm, I hope she knows that she will lose her friendship with her friend(the ex)
As for asking if former wont fight the latter, na how we want take know kwanu? Na we suppose ask you that question because na you sabi the two of them character pass us. So, tell us, basedvon what you know about both of them, will the former fight the new babe?

the former is somehow hot tempered. she called the latter that she want to see her today... I got aware about it through the latter. Can the latter accept me is another question knowing for sure that am her friend's ex

my girlfriend and I were in a relationship for six months saw ourselves for just three times during our date. I decided to break up due to the fact that she didn't give me her time. the worst part is she has not entered my house before neither have I entered her house due to the fact that she always tell me that she is busy. to cut the story short, I fell in love with her friend and I proposed to her, though she hasn't accepted my proposal but she has been showing me sign of accepting my proposal. I broke up with that girl for her friend. pls can I go ahead with the proposal? hope the former won't fight the latter?

Afta discarding d defense of 2014 2ru its 12 counsels .I hereby wish 2 welcome u in2 2015, a year where joy, success, happiness & fa4 will always 4lo u.

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papindinho:
Wow! It's the penultimate day to the end of 2014 and here I am, all grin...lol. I even looked the mirror and the person staring at me has really grown that much in this
rolling year.
Now, I wish to acknowledge my e-family, some have surpassed the length of the 'e' to the realm of reality and that's what I call nicy... This set of people have helped me
learn and develop myself in more than countable aspects and in no particular order they are:
Jaryeh (mathematician to jaiye)
Ueskman (bro from another ma)
Felastika (bro from another ma)
Oluwatola5 (sis from another ma)
Phtemie (erudite bro from another ma)
Afolabi6046 (ever inquistive bro from another ma)
Fattbabakay (Engineer to badt of our time)
Samtolly4Jesus (erudite bro that refused to take the title of a prof)
Afomic (ever conscious bro with lucid explanations)
Nimk (sis from anotherma)
Ghydyon (my surest padi)
Miracy (articulate sis from another ma)
Cimetidine (i still wonder why u are not a philosopher)
Fynestboi (my padi to sure)
Kejilee (badoo lee)
Ifyx (finest lee)
Dimka (my oga at the top)
Shawdey (my teaseress of life)
Lucentbeauty (my padi of life)
Danthesage (hahahahaha! He's one of the dopest around)
map96 (my German oga)
Damlema (my padi to nice)
Comradekenny (my boss for French)
emaculate99 (articulate Barry)
rahmylahby (sis from another ma)
ashhascash( drugs boss)
ayomidearo (LOL111 bro)
Mitchin, Pherzee, sleekshalie, Thayoor, chiamaka01, princeadebayo, and you, you,
you and you, just too many to be posted. I wanna say thank you all and wish you a prosperous 2015.



Signed: Papinx

RESPECT BOSS

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adaweezy:
Ifelaw14 I belong

do u mean 2013/2013 set? the present part 1?

adaweezy:
of the greatest Ife Ifelaw I belong

greatest ifelaw 2013 I belong, u?

just imagiñe how they will celebrate the Xmas
but do u know that it has been discovered by
fraudsters that the cashless policy has some loopholes.
read up on this link https://www.nairaland.com/2067562/card-fraudsters-find-big-hole

nice one. but do u know that it has been discovered by
fraudsters that the cashless policy has some loopholes.
read up on this link https://www.nairaland.com/2067562/card-fraudsters-find-big-hole

nice one. but do u know that it has been discovered by fraudsters that the cashless policy has some loopholes. read up on this link https://www.nairaland.com/2067562/card-fraudsters-find-big-hole

Mr. Bamidele Delight, an engineer, was relaxing in his
living room around 10pm on October 19, 2014, when he
started receiving a series of debit alerts on his telephone.
Delight, who had never travelled out of the country, was
later told by his bank that somebody far away in
Houston, the United States, was using a debit card to
withdraw dollars from his account.
A total of N149,000 was withdrawn from his account
that night by an unknown person in the USA. The bank
has since launched an investigation into the card fraud
case.
There is a story of another bank customer, Mrs. Enitan
Bankole who also received a number of debit alerts on a
day she never made any withdrawal from her bank
account. Before she could call the customer care
department of her bank to launch a complaint, a total of
N120,000 had been withdrawn from her account with a
debit card by unknown person in Atlanta, the USA. Her
bank commenced an investigation into the matter but the
case is still pending.
Another customer, Mr. Shola Adeleke, suddenly
discovered a total of N150,000 had been withdrawn from
his bank account. He rushed to his bank and was told
that an unknown person had used a cloned debit card to
withdraw the money from his account in Chicago. Adeleke
threatened a court action. The bank officials were said to
have quietly reimbursed him.
Having realised the benefits of a cashless society as in
advanced economies, the Central Bank of Nigeria
recently launched programmes such as financial inclusion,
cashless Nigeria and biometric registration of all bank
customers.
Experts have noted the cashless Nigeria project rolled out
by the CBN has in the last three and a half years made
some giant strides.
According to them, modern ways of paying for goods and
services, which were hitherto impossible, have now
become a reality today.
Citizens now go to shopping malls, eateries and
supermarkets with only their payment cards in their
pockets. This is a card revolution in a country where cash
was the only means of payment five years ago.
Unofficial figures from MasterCard, Visa and other
payment companies show that there are about 35 million
to 40 million debit cards currently in circulation in the
country, all issued by Nigerian banks.
The scope of the cards has gone beyond the nation’s
borders as the ATM cards are now being used overseas to
make payment for goods and services.
The era of Nigerians shopping overseas with large cash or
foreign payment cards is fast fading away.
However, there are mounting fears that the ATM
fraudsters may scuttle the process and erode the gains
recorded in the cashless policy especially in the area of
electronic payment.
This, according to experts, may derail the efforts of the
government to push Nigeria towards a cashless economy.
In June this year, a Lagos-based journalist had discovered
that her token, which she often used for online banking
transactions, was no longer working. After a few weeks,
she reported the matter at one of the branches of her
bank. She was asked to fill a form, which she did.
The following day, someone who claimed to be an
employee of the bank called and told her that the bank
was working on her request and that she needed to
provide some details on her account, including her
password, which was no longer working. She obliged and
the call ended.
A few minutes later, she got two alerts that funds had
been transferred from her account to two accounts in
different banks. A total of N279,000 in her account
was transferred to those accounts. The journalist
returned to the bank to lodge the complaint and the
lender referred her case to its Fraud and Investigation
Unit. The matter is still being investigated and she has
yet to get any refund and neither have the fraudsters
been apprehended.
Investigations by our correspondent revealed that many
banks had been silently reimbursing customers that are
coming with cases of unknown persons using cloned debit
cards to withdraw money from their accounts.
Some banks said they had discovered that almost all the
customers involved had their money withdrawn by
unknown persons from the ATM in the US cities.
At a special meeting on electronic fraud recently
organised by Access Bank Plc at its head office in Lagos,
several bank officials complained of being tired of using
customer funds to reimburse other customers with cases
of cloned debit cards.
“How long are we going to keep using customers’ deposits
to settle other customers with cases of cloned cards?” a
bank official queried.
The Director, Banking and Payment System of the
CBN, Mr. Dipo Fatokun, who was represented by a
deputy director at the bank at the event, said that banks
had to put in measures to strengthen their internal
controls, adding that card fraudsters were out to rip bank
and their customers of millions of naira if care was not
taken.
He said, “From the findings we did at the CBN, we
discovered that most of these cloned cards were used in
Atlanta USA. We found out that Nigerian ATM cards
were being cloned and used in the US, especially in
Atlanta. In fact, we discovered that the machine they use
in cloning this card can be bought in Ikeja for few
thousands of naira.”
He added, “We really need to strengthen our internal
controls as banks. I know of a bank that tells their
customers to inform them whenever they are travelling
out of the country. Otherwise, once they notice any
withdrawal from outside the country, they will quickly
block it. That is commendable.”
Experts believe electronic payment platforms provide a
cost-effective way to improve financial inclusion in
Nigeria and Africa in general.
Nigerian banks, for example, working with the Nigeria
Interbank Settlement Scheme, have commenced a
consumer awareness campaign on the benefits of
electronic payment platforms, with the aim of increasing
their acceptance.
The Managing Director, Ecobank Nigeria, Mr. Jibril
Aku, said, “In Nigeria, increased urbanisation, a growing
labour force and the rise of online shopping are fuelling
demand for more convenient payments.
“Using electronic payments to penetrate the country’s
unbanked population of nearly 80 million also represents
a market with huge, untapped potential.”
Aku said this when Ecobank and MasterCard signed an
agreement for the issuance of debit cards to the bank’s
customers in Nigeria. The deal would see MasterCard
deploy its payment solutions in 28 sub-Saharan African
nations.
The Division President, sub-Saharan Africa,
MasterCard, Daniel Monehin, said, “We envisage a world
beyond cash in Nigeria and Africa, where consumers can
enjoy the security, efficiency and convenience of electronic
payments. Our vision can only become a reality through
collaborations with key industry stakeholders, such as the
Ecobank Group. Working together with governments,
financial institutions, merchants and businesses, we will be
able to help modernise the payment industry in Africa.”
The collaboration came at a time MasterCard was
working in partnership with governments and financial
institutions around the world to broaden usage and
acceptance of electronic payments, promoting their
benefits relative to cash transactions.
Today, over 85 per cent of retail payments globally are
still carried out with cash or cheque, with the percentage
being much higher in Africa. However, the combination
of a rapidly expanding middle class and steadily improving
financial literacy, supported by robust technology, is
increasing the appetite for card usage in Africa, providing
opportunities for the advancement of a cashless society
across the continent.
However, analysts insist that the spate of electronic fraud
could threaten the cashless initiative as many bank
customers are already weary of using electronic payment
systems.
Already Delight, whose ATM card was cloned by a
fraudster to withdraw from his bank account, has asked
the bank for a refund of the money.
His lawyer had written a letter to the bank entitled,
‘Fraudulent debit of the account of Bamidele Delight’
demanding a refund.
The letter read, “We write as solicitors to Bamidele
Delight herein after referred to as ‘our client’. We are
constrained to write this letter to you because all efforts
made by our client to resolve the captioned issues
amicably with his branch in Ikorodu, Lagos have failed.
On the 13th day of October 2014 at about 10.19pm,
our client started receiving alerts on his phone to the
fact that the sums totalling N149, 000.00 (one hundred
and forty nine thousand naira) were withdrawn in several
tranches from his account in Houston, Texas.
“The ATM card issued to our client before this incident
had never been used outside the country. It is a naira
denominated card. Our client therefore wonders how his
naira-denominated card was accessed and used to
withdraw dollars in far away Houston. The Friday before
this event, our client conducted some transaction at his
branch which must have reflected in his account and
should have tipped off your IT department that something
was fishy. Of course, this will not be the first time
incidents like this have happened from our investigation
and our client’s funds having been entrusted to your
bank; our client is owed a duty of care by your bank;
plain and simple! The night this incident occurred, our
client called your bank to lodge a complaint and followed
up with diverse official interactions with several official
channels in your bank but nothing has been done.
“To this end, we have taken cognisance of the fact that
similar unfortunate occurrences have been suffered by
other customers of your bank in the past and this should
have made your bank to be more careful. Therefore,
should our client’s stolen funds and the fraudulent debit of
our client’s account not be reversed within 72 hours from
the receipt of this letter, we will have no choice than to
commence a class action against your organisation.”
The case, however, is still on between the bank and the
customer in question.
Experts, have, however, said the CBN and banks need to
devise innovative ways to check the ugly trend.
The Managing partner DigitalEncode, Mr. Adewale
Obadare, said e-fraud could be reduced if banks adopted
modern technology and increase their internal financial
control system.
He, however, noted that the CBN had major roles to
play in mitigating electronic frauds.
The Chairman, Chartered Institute of Bankers of
Nigeria, Lagos State Branch, Mr. Abolade Agbola,
emphasised the need for the CBN to fast track the
biometric registration of bank customers as a way of
checking electronic fraud.
He said, “There is no justification for it; and what that
will do is that people will limit the amount of money or
specify the kind of account they expose to online money
transaction. And I think the CBN is also insisting that
when this issue has happened, it must be resolved speedily
so that confidence will not be lost. And that is one of the
reasons why banks will keep on changing their software
to make it safer; and, of course, that is also one of the
reasons the issue of national identity card needs to be
fast-tracked, which is at the government level.
“We must have an identity card that identifies the
human being with the face, and which will guide every
transaction in the society. And that is why the political
will to do that must also be there. Every fraud can be
traced because the greatest way to check fraud is to
know that you can be caught and the system has a lot of
checks either through your finger or your face or your
contact address. When you see the fraud that happens
and the trillions of transactions that take place daily,
then I think the banks have to take the technology
ahead; take the staffing ahead and create a future for
the employees so that they can know that they have a
future in the organisation; and that they can build a
future. This is because people commit fraud when they
have short-term view of the future.”
The President, Institute of Chartered Accountants of
Nigeria, Mr. Chidi Ajaegbu, said the CBN had achieved a
lot in the cashless drive but there was a need to continue
to build public confidence in the electronic means of
payments.
He said, “If we are striving to become a 24-hour
economy, then we must have the necessary controls in
place to build people’s confidence in the cashless policy we
are driving. And part of this is making sure that people
believe that their liquid assets and details are secure. It is
the key to the 24-hour economy we are driving towards.
“What they do in other jurisdictions is that when they
notice any perceived infraction, they descend on it
heavily. And I think this is one of the things we need to
adopt here. We should let people know that you can do
every other thing but we can’t let you mess around with
our cashless system. It is going to go a long way to help
our economy.”
The Vice-President, West Africa, MascterCard, Mrs.
Omokehinde Ojomuyide, said inadequate infrastructure,
manifesting as poor Internet services and related
challenges, are among the factors threatening the
cashless drive.
She, however, stressed that the policy had also led to the
growth of e-commerce in the country.
The General Manager, Visa West Africa, Mr. Ade
Ashaye, noted that the type of card used in the United
States might be prone to fraud.
He, however, said the development could be mitigated
with the help of new technology.
He said, “What we have found with fraud (in my
experience) is that a card is not fraudulent in one
transaction. If a card is cloned, it is used, may be up to
five times, until somebody raises the alarm. But the
earlier you can identify that there is a problem, the
better. You can quickly stop it.
“These are the kinds of investments in technology that
Visa makes available to our banks and that make sure
that we are able to quickly identify a fraud and prevent
it.”
The CBN has recently introduced some measures to curb
e-banking related frauds. They included an anti-
skimming device to the ATMs and limiting the amount
that could be transferred via electronic channels.
But from findings, there seems to be no foolproof
measure yet against frauds involving the use of cloned
Nigerian ATMs abroad.

SOURCE: http://www.punchng.com/special-feature/card-fraudsters-find-big-hole-in-cashless-policy/

herald9:
Is this fp effect?

yes now

[quote author=IKJ66 post=29316885][/quote]what?

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IKJ66:
. Logistics !!!!!!!!

if he bans me without hearing my view, he will liable to have gone against section 36 of Nigerian constitution cos I have right to fair hearing

see how she dey flaunt her wealth, how I wish she could
study in Nigeria or her Father could help poor people. By
the way, the SUG president of OAU vows to mobilise
students of OAU to vote against him next year if he fails
to reverse tuition fee ... read up the reason for his
statement by clicking on this link https://www.nairaland.com/2067153/oau-students-threaten-vote-out

IKJ66:
ℓ̊







Would









Rport









► γφυ







To






Lalasticlala

based on what?

IKJ66:
. ℓ̊ quote u too

at last, I made FP... grab my drums and dance unclad to Aso Rock to protest against the fee hike and to tell Oga Jona to start parking his things cos time is already up for him

princealbashir:
No sane Nigerian should vote for this man. Only those that want God to govern their life the way Jonathan is governing Nigeria will vote for him. #Change is All We Want.

sorry pls, am not a fan of Goodluck but I just want proofs that Buhari will bring some changes

IKJ66:
ΐ̲̅t ΐ̲̅s what ΐ̲̅t ΐ̲̅s !!!!!




GMB 2015









Quote M̶̲̅ε not !!!!!!

I quote u

Sylvarresta:
Everybody want change, let's vote 4 the right man
Sai Buhari

how are u sure he is the right person?