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Agent AI

2025-12-29T14:55:00.000-08:00

2024-12-31T11:46:00.000-08:00

Real-time Data Analytics

2023-12-31T06:28:00.000-08:00

Natural Language Processing Large Language Models (LLM)

2023-12-31T05:02:00.000-08:00

API Automation

2022-12-30T14:55:00.001-08:00

Artificial Intelligence

2022-12-30T14:39:00.000-08:00

Segmentation technique using unsupervised machine learning (K-means clustering)

2021-12-31T12:32:00.005-08:00

Data Insights Decisions

2021-12-31T12:30:00.000-08:00

Payment Systems

2020-12-30T14:55:00.000-08:00

Product specialization and customer segmentation

2019-12-31T12:28:00.001-08:00

Time value of money: Inflation, deflation and rates.

2019-12-31T12:24:00.000-08:00

Use the link below to read this article:
https://cryptopotato.com/ticking-bomb-2020-growing-number-of-banks-are-introducing-negative-interest-rates

Credit: Jordan Lyanchev
Cryptopotato.com

Putting your ATM debit card to full use

2018-12-30T14:24:00.000-08:00

Ingredient Brand

2017-12-31T10:19:00.000-08:00

Negative Interest Rates

2016-12-31T10:37:00.001-08:00

How to create a WiFi hotspot with your Laptop without using any software

2015-12-31T08:34:00.000-08:00

You can quickly set up a wireless LAN hotspot with your windows laptop computer using the inbuilt WLAN card without using any additional software or application by following the outlined procedure below. This wireless network can be used to connect other wireless devices together, and also to the internet if the laptop is connected to the internet. The procedure is detailed below;

1. Go to the windows start button and type in "cmd", right-click on the cmd.exe icon and click on Run as administrator (You might get a prompt 'Do you want allow the following program to make changes to this computer? click on Yes)

2. In the command window's prompt type in netsh wlan set hostednetwork mode=allow ssid=dteola key=password123$ and press the Enter key, you will get the following messages as shown in the screen-shot below. SSID is the name of your WiFi Hotspot and Key is the WiFi Password, both of which could be changed to anything you like.

3. Type in netsh wlan start hostednetwork at the command prompt and press enter to start the network. You will get a confirmation as shown below.

4. Now to allow other devices to connect to this wireless network and share the internet connection on the laptop to the devices; go to Network and Sharing center, click on network connections, or (on windows 7) in the left pane click on change adapter settings, you will see a number of connections including the new virtual wireless network you just created.

Right click on the network connection that is the source of internet on the laptop computer, click on properties, go to the sharing tab on top of the properties windows, check the box labeled 'Allow other network users to connect through this computer's internet connection', then below under 'Home networking connections' Click on the drop down arrow and choose the newly created wireless network connection from among the list, click Ok to close the properties window.

Now your laptop will act as a wireless hotspot for other wireless devices, sharing the internet connection from LAN cable or USB modem to the devices.

Be sure to secure the network with a fairly strong password.

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Good Password Practices

2014-08-02T08:20:00.000-07:00

| credits: www.digitaltrends.com

It can be difficult to choose a good password: the password should be fairly long and shouldn't be guessable, but at the same time it should be easy to remember. Here are a few reminders of good password practices:

• Choose a good password that will be hard to crack.

• Never share your password; you may be held responsible for any emails sent by people with whom you share.

• Don’t use the same password for all your accounts.

• Avoid using non-secure networks at places such as hotels, cafes, etc. to send private information.

• Change your password after using a non-secure network.

• Change your password with some frequency, (that is from time to time).

• Change your password after traveling abroad and using non-secure networks or machines.

•Never store your password in a program, even if the program or browser asks you to.

• Consider storing your passwords to departmental shared resources with IT Security.

• Never write down a password. If you do, be sure to shred it as soon as possible.

Selecting good passwords

Use letters from a phrase or song lyric.

Think up a phrase. For example, “Marx’s Communist Manifesto has 8196 words in it!”. Once you've decided on the phrase, choose the first (or last, or the second, or whatever) letter from each word. Marx*’s* Communist Manifesto has 8196 words in it*!*”

You’ll notice that this example includes all the punctuation. This is to improve the quality of the password.

So, your password would be M’sCMh8196wii!. It is a nice, long password with a good mixture of character classes.

Rearranging words with numbers.

You can rearrange a particular word in the reverse order and then change the last five alphabet of the new word to the numeric equivalent to complete the password. i.e Ceremonious → Suoinomerec → Suoinom51853 or Apprehensive → Evisneherppa → Evisneh51816161. Note that the passwords begin with uppercase alphabets. Remember it should be fairly long, not guessable and at the same time should be easy to remember.

Combine a few pronounceable nonsense words with punctuation.

For example nuit+Pog=tWi. Pronouncable nonsense words are easier to remember than random characters. In this example the words have been combined together in a way that is similar to an arithmetic formula which makes it easier to remember. Here the password is nuit+Pog=tWi. You may want to use other punctuation for similar reasons.

Handling many passwords

In the modern Internet environment, people often find that they need to juggle multiple passwords for their email accounts, web sites they visited, and different Internet-based services that they wish to use. While it is impractical to create a completely different password for every web site or account, using the same password in multiple locations is very dangerous: if the password is stolen from any one of the places where it is used, it can be used elsewhere as well.

Below are a few ideas on various ways to handle the increasing number of passwords that seem to be required these days while not making the passwords easy to guess.

• Consider what the password is protecting when choosing a password.

• Some services may not require as secure a password if they do not contain any private information.

• Consider your password as multiple parts: a central core of the password and a prefix and/or suffix which is specific to the service that is being protected.

• The passwords protecting your most sensitive information should always be different than other passwords.

• Some groups may wish to securely store passwords with a third party to prevent the loss of passwords through any number of factors.

Related: Secure Web Browsing http://dteola.blogspot.com/2013/02/secure-web-browsing.html

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Product Barcode

2013-11-02T16:52:00.000-07:00

471 is made in Taiwan

               It is our right to know about a product and it's source before we buy and make use of it, but the government and related department has never taken time to educate the public, therefore the need to rescue ourselves.

Nowadays, some businessmen know that consumers do not prefer products made in some countries, i.e 'MADE IN ***********', so they don't show from which country it is made.

   However, you may now refer to the bar-code, to know which country a product is made from, for example if the first 3 digits is 690 to 695 then it is Made in China, all Barcodes that start with 690.691.692 until 695 are all MADE IN CHINA

Below is the starting digits for some other countries:

00 ~ 13 USA & CANADA
30 ~ 37 FRANCE
40 ~ 44 GERMANY
49 ~ JAPAN
50 ~ UK
57 ~ Denmark
64 ~ Finland
76 ~ Switzerland and Liechtenstein
471 ~ Taiwan
628 ~ Saudi-Arabian
629 ~ United Arab Emirates
740 ~ 745 - Central America
All 480 Codes are Made in the Philippines.

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CBN Revised Guide to Bank Charges

2013-06-27T12:14:00.001-07:00

The Revised Guide to Bank charges was released on the 27th of March 2013, first issued in 2004, was meant to provide a standard for the application of charges in the banking industry and to minimize conflicts between banks and their customers.
In order to reflect current developments in the market and provide clarity on banking terms, the CBN recently conducted a review of the Guide, and highlighted in the table below is the section on the details of charges applicable to Electronic Banking.

	DESCRIPTION	RATE
10.1	Internet Banking:
	10.1.1 Token	Max of N 1,500 (one-off charge)
	10.1.2 Bills payment	N 100
	10.1.3 Interbank Transfer	N 100
10.2	Electronic Funds Transfer:
	10.2.1 Below N 500,000	N 70
	10.2.2 N 500,000 to N 10,000,000	N 100
	10.2.3 Above N 10,000,000	N 500
	10.2.4 RTGS	N 700
10.3	Annual Maintenance Fee on foreign currency denominated cards	N 3,000
10.4	Credit Card Charges:
	10.4.1 Interest charges	2.5%
	10.4.2 International withdrawals (per transaction)	N 240
	10.4.3 Late repayment	N 2,000
10.5	Debit Card Charges:
	10.5.1 Issuing Fee	N,1000 (one of charge)
	10.5.2 ATM Bill Payment	N 100
	10.5.3 International withdrawals (per transaction)	N 240
	10.5.4 Debit card maintenance charges	N 100 (annual charge)
	10.5.5 Cash card loading/unloading	No charge
10.6	ATM Transactions:
	10.6.1 Within the bank	No charge
	10.6.2 On other banks ATMs	No charge
	10.6.3 On approved Independent ATMs	N 150
10.7	Mobile Payments:
	10.7.1 Interbank Funds Transfer	N 100
	10.7.2 Intra-bank Funds Transfer	N 100
	10.7.3 Bill payment	N 100
	10.7.4 Cash-out Agent (to be borne by the sender)	N 100
	10.7.5 Cash-out Branch(to be borne by the sender)	N 100
	10.7.6 Mobile Money Card Reissue	N 300
	10.7.7 Deposit at Agent	N 100
10.8	Point of Sales (PoS):
	10.8.1 General Merchant	1.25% of transaction value subject to a maximum of N 2,000
	10.8.2 Wholesale	Negotiable subject to a maximum of N2,000
	10.8.3 Hotels	Negotiable subject to a maximum of N2,000
	10.8.4 Food/Churches/NGOs	Negotiable subject to a maximum of N2,000
	10.8.5 Fuel stations	Negotiable subject to a maximum of N2,000
	10.8.6 Airline operators	Negotiable subject to a maximum of N2,000
	10.8.7 Travel Agents	Negotiable subject to a maximum of N2,000
	10.8.8 Card Charges (International)	2.5% of transaction value
10.9	Bulk Payments Electronic Funds Transfer:
	10.9.1 Salary payment	Negotiable subject to a maximum of N 100 per employee
	10.9.2 Vendor payments (payable by the vendor)	N 150
	10.9.3 Single payments	No charge
	10.9.4 Utility payments	No charge
	10.9.5 Tax payments	No charge
10.10	Alert Services
	10.10.1 Mandatory SMS alert	N 4 subject to NCC directives
	10.10.2 Email notification (Optional)	No charge
10.11	PIN reissue	No charge
10.12	PIN reset	No charge
10.13	PIN mailer reprint (foreign currency denominated cards)	Cost of recovery subject to a maximum of $1

The Revised guide to Bank charges is issued to serve as a regulation on applicable charges for banking services and products offered to customers and it takes effect from April 1, 2013.

TERMS:

Card Issuance Fee: Fees charged by banks for the issuance of e-cards such as ATM cards, MasterCard, etc.

NEFT (NIBSS Electronic Funds Transfer): is an electronic payment system that enables the execution of transfer instruction between banks on the NIBSS platform.

NIBSS (Nigeria Inter-bank Settlement System): is an institution that provides the infrastructure for automated processing, settlement of payments and fund transfer instruction between banks, discount houses and card companies in Nigeria. It is owned by deposit money banks and the CBN.

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Mobile Money

2013-02-07T21:30:00.000-08:00

Mobile Money is an easy, fast, secure and affordable way to send and receive money with the use of mobile phones. With mobile money service all phone users can transfer funds to any recipient in Nigeria and also make payment for goods and services with their phones.

This mode of payment has been made popular in some east African countries particularly Kenya since year 2007.

You don't need to have a bank account to use this service, your mobile number serves as a wallet which you can load with money for use to pay for goods and services.

With mobile money you can do the following;

send money to other mobile money users

receive money from other mobile money users

make purchases and pay with mobile money by sending money through your phone to a mobile money merchant in exchange for goods and service

Cash in: funding or deposits into your mobile money account

Cash out: withdrawals from mobile money account through an Agent

Funds Transfers to any recipient (both mobile money subscribers and non-subscribers) *** non-subscribers collect cash from an ATM with just a PIN.

Purchase of Airtime ( for self and for others)

Balance Enquiries

Payment of Utility bills etc

You can also link your mobile money account with your bank account in order to fund your 'wallet' that is mobile money account from your bank account or transfer money to the bank from your mobile money account.

Organizations licensed to carry out mobile money service are telecommunication companies and banks which have their Agents all over the place to attend to your mobile money needs such as such as registration, deposits (cash-in) and withdrawals (cash-out).
***The process of withdrawal is such that you transfer value from your mobile money account to an agents account and the agent gives you cash. UDM56RWPVSAZ

How to subscribe to mobile money

To start using mobile money service all you need is your mobile phone to register for the service by simply dialing a short code from the phone or downloading the application if you want to use the web-lite version (for gprs enabled phones) or you can walk into any of the banks that currently offer this service or meet their Agents.

Mobile money uses the short codes USSD that is on your SIM card available on most new SIM cards and you will always receive an SMS notifying you of the status of your transaction. The old SIM card that you have been using for some years now might not be able to use this service.

You can subscribe to mobile money services from the following banks in Nigeria by dialing the codes listed below or clicking on the link to download the web-lite version.

Stanbic IBTC Bank *909#

FirstBank *894#

Ecobank *326#

UBA Umobile

GTBank GTBank Mobile money

FCMB FCMB Mobile

Zenith Bank Zenith Bank eazymoney

Presently I use Stanbic IBTC Bank mobile money service without having an account with the bank and the experience has been very wonderful.

The short codes can be used on any network a bank has partnered with and also some banks are yet to launch their own mobile money service.

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Secure Web Browsing.

2013-02-03T08:07:00.000-08:00

Its essential to always know that your data is secure when you are browsing the Internet or inputting your details which may include userid, password, PIN, and answers to "secret question" on a website in order to access the site or carry out some transactions on the site. There are many clone or counterfeit websites on the Internet that the moment you put in your details they are automatically collected and saved away and this could result in your account being accessed by unauthorized persons or permanently hacked.

Here are some simple things to look out for so that your credentials or details are not stolen when you are trying to access a website;

The website address: carefully observe the web address that it starts with https, website addresses that begins with https uses Secure Socket Layer protocol SSL which help protect information as it is being transmitted over a network connection to a remote web server, this protect your details userid, password and other sensitive data as it passes through the network.

For a web server that supports the SSL protocol the Internet address for the server will begin with

https:// instead of http:// as indicated in the snapshot below.

A lock sign at the end of the address bar or at the right corner at the bottom of the web page indicates that your connection to the website is secure and your data cannot be intercepted because it as been encrypted. Encryption provides secure exchange of information between the website you are visiting and your web browser. When you send information to a website, it is encrypted at your computer and decrypted at the website and normally the details cannot be read or tampered with making it very difficult for unauthorized persons to view your information while it is being sent. It is therefore very unlikely that anyone reads the page as it travels across the network.

You can click on this lock icon to view the identity of the website.

Green colour of the address bar: when you visit a website that uses a secure connection the colour of the address bar changes to green gradually along the bar as the page is loading. This green colour indicates that the website has a valid certificate i.e EV certificates and also the level of validation that was performed by the certifying organization, (a certificate is used to identify the owner or company that owns a website). Extended Validation (EV) certificates turn the address bar green, and provide more in-depth validation of the identity of a website.

Be sure to look out for these simple tips whenever you are trying to use your details especially sensitive information on a website!

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Cashless policy and electronic transaction channels in Nigeria.

2012-12-17T15:02:00.000-08:00

        The Nigerian government introduced the Cashless policy in the beginning of year 2012 on the 1st of January which was later fully implemented in the city of Lagos on the 1st of April 2012, after a pilot scheme was carried out for a period of three months.

The essence of the Cashless policy which was enforced by the Central Bank of Nigeria (CBN) the regulating body for all deposit money banks and some other financial institutions was to make Nigerians embrace the use of electronic means of funds transfer to carry out domestic business transactions in the country without the need of moving about with large amount of cash.

           The objectives of the policy include:

to provide a modernized payment system as an efficient and modern payment system is necessary for economic development

to increase financial participation by providing more efficient transaction options and greater reach

to reduce the cost of banking services (including cost of credit)

to reduce the incidence of robbery attacks and fraud associated with paying cash over the counter in banks.

The channels available for e- transactions includes the use of :-

POS terminal (Point Of Sales)

Mobile Banking and

Internet Banking

All these are described briefly below.

ATM (Automated Teller Machine): is the use of debit cards know as "atm cards" to make cash withdrawal at these machines which are placed at suitable locations especially bank premises, but there is a daily limit to the amount of transaction that can be done through this channel. Other uses of the atm card include funds transfer, and online shopping.

POS terminal (Point Of Sales) are used by business outlets to get payments for goods and services rendered to customers where in the money goes straight into their bank accounts from the customers bank account without the need to exchange physical cash. This transaction is carried out right in their place of doing business. If you are a business owner and you are yet to use POS, this option is waiting out there for you to get payments for goods and services rendered straight into your bank account. What an easy way of doing things!

Mobile Banking is the use of mobile phones to carry out transactions in your bank account. This requires the use of a "gprs" enabled phone where in an application "java application" is installed on the mobile phone and with it you can access your bank account and carry out transactions including Funds Transfer, Bills Payment and Airtime Recharge. There exist another way of carrying money about on your mobile phone for which you don't need to have a bank account to use, it is called ''Mobile Money'' and it can be used with any type of mobile phone.

Internet Banking: with Internet Banking you have a great deal of access to your bank account, here you can carry out transactions and view your account's statement. You require internet facility in order to use Internet Banking.

The charts below take a brief look on the use of these electronic channels of transaction listed above from a period in 2007 to 2012.

From the chart we can see that there has been increase in the volume of e-transaction from 2007 to 2012, with ATM transactions leading the pack and some level of increase in other channels.

You can transfer funds anywhere, anytime using your laptop, phone or tablet through the above channels and you can also pay for bills including:

Cable TV Bills i.e. (DSTV, HiTV)

Phone Bills

Utility Bills (Electricity, Internet service, e.t.c)

The use of electronic channels of transaction in Nigeria has come to stay. By the year 2013 the Cashless policy is proposed to be implemented across Nigeria. Are you ready and which of the channels do you use at present?

Subscribe to this blog to get more information and knowledge on the use of these e- channels, and other Business and Information technology ideas.

dteola

2012-12-16T07:21:00.000-08:00