Justice in the digital age must serve humanity, not replace it

Source: Government of South Africa

Justice in the digital age must serve humanity, not replace it

Justice in the new digital age must strike a careful balance between the protection of human rights and the integration of technology into the system.

This is according to Deputy Minister of Justice and Constitutional Development, Andries Nel, who addressed the Lex-Informatica 2026 Conference held in Pretoria on Thursday.

Reflecting on the rapid modernisation of systems such as artificial intelligence (AI), Nel emphasised that while technology offers powerful tools to transform the justice system, it cannot replace the human qualities that lie at the heart of justice.

“AI can identify precedent, but it can’t understand the moral weight of a decision. Machines can process information, but they can’t possess integrity. They can produce an argument, but they can’t comfort a victim.

“It can analyse evidence, but it can’t fully appreciate the fear of a witness, the vulnerability of a child, or the dignity of an accused person.

“AI can’t take an oath. It can’t accept responsibility, and it can’t understand justice in the human sense – and ultimately that remains the responsibility of the legal practitioner or the judicial officer,” Nel highlighted.

He cited the case of Mavundla v KwaZulu-Natal MEC for Cooperative Governance and Traditional Affairs as a warning against over-reliance on AI.

In the case, lawyers were found to have submitted heads of argument that included some fictitious case law citations.

“This is a constant reminder to all of us – while AI offers powerful tools for research and drafting, it cannot replace the ethical duty of verification and professional judgement.

“We cannot compete with machines at processing information. But we can bring to technology what technology can’t supply – judgement, context, nuance, empathy, ethics, courage, and human understanding. The challenge is therefore not to resist technological change but to ensure that technology serves justice rather than replacing humanity,” Nel stated.

The Deputy Minister noted that despite some challenges, modern technology is also playing a role in improving efficiency even in the courts.

One example is the Court Online system, which he described as transformative to the “management, handling, and sharing of court records”.

This system now allows for:
•    Reduced physical movement of people and documents between stakeholders and courts;
•    Faster filing and retrieval of case-related information;
•    Elimination of misplaced or lost case files, and
•    Simultaneous access to case information allows multiple authorised users to view and process the same file in real time.

“This platform enables law firms and litigants to file court documents electronically via the Internet, significantly reducing reliance on traditional, paper-based processes,” he said.

Access to justice
Nel noted that while digitisation remains inevitable, the justice system must guard against digital exclusion and leaving rural communities, the elderly and the economically disadvantaged inadvertently behind.

“In South Africa, the need to build a justice system that is resilient, inclusive, and future-ready has never been more urgent.

“To address this, it is essential to anticipate legal needs through predictive analytics and early intervention, to deliver timely, accessible justice services using automation and digital platforms, to inform policy decisions with real-time, evidence-based insights and to build public trust by enhancing transparency, accountability, and responsiveness,” he urged.

He called on a whole-of-society approach to protect human rights even as the world moves toward rapid digital transformation.

“Justice in the digital age is about balance: balancing innovation with accountability, progress with protection, and efficiency with human rights and inclusivity. It is about building a society where technology serves humanity, not the other way around.

“Together – government, business, the legal profession, academia, industry, and civil society – can shape a digital future that honours our constitutional values, protects human rights, and strengthens the rule of law.

“Let us commit ourselves to ensuring that a digital age works to the betterment of humanity,” Nel concluded. – SAnews.gov.za 
 

 

NeoB

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Experienced Lieutenant General Arthur Peter Adams to head SAPS in North West

Source: Government of South Africa

Experienced Lieutenant General Arthur Peter Adams to head SAPS in North West

Acting National Commissioner of the South African Police Service (SAPS), Lieutenant General Puleng Dimpane, has announced the appointment of Lieutenant General Arthur Peter Adams as the new Provincial Commissioner of the North West Province, effective from 1 August 2026.

Lieutenant General Adams takes up the role with 34 years of distinguished service, bringing extensive operational and leadership experience to one of the country’s key policing provinces.

His appointment forms part of the SAPS Reset Agenda, which is focused on strengthening accountability, rebuilding public trust and creating safer communities.

Throughout his policing career, Lieutenant General Adams has built a reputation for decisive operational leadership, disciplined execution, capability development and an unwavering commitment to service excellence, said the police in a statement.

His experience extends beyond specialised operations. He holds a National Diploma in Policing and has served in several senior leadership positions, including Cluster Commander of Potchefstroom, District Commissioner of the Bojanala Platinum District, District Commissioner of Mangaung, and most recently as Deputy Provincial Commissioner responsible for Policing in the Free State.

Lieutenant General Dimpane said Adams’ extensive experience and proven leadership record make him well suited to lead policing efforts in the North West province.

“He understands policing from the ground. He understands tactical operations, leadership and accountability. These qualities make him exceptionally well suited to lead policing within the North West province,” Dimpane said.

The appointment is expected to strengthen the SAPS leadership team in the province as the organisation continues to intensify efforts to combat crime through decisive police action and stronger community partnerships. – SAnews.gov.za
 

Janine

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Binance bStocks Reaches $500 Million in Assets Under Management (AUM) as a New Generation of Investors Turns to Tokenized Stocks

Source: APO


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Binance (https://www.Binance.com) today announced that bStocks, its tokenized securities offering, has surpassed $500 million in assets under management (AUM), seven weeks after launch. Since going live on June 11, 2026, the product has expanded from five tickers to more than 46 listings, providing eligible users with 24/7 access to tokenized securities and free, instant conversion between a bStock and its underlying stock.

The milestone reflects growing demand for tokenized market access as more users explore traditional financial markets through Binance.  Early platform data indicates that bStocks is attracting a predominantly crypto-native audience, with many users using tokenized securities as their first exposure to traditional finance.

According to Binance data, 41.5% of bStocks users began their traditional finance investment journey through tokenized securities on Binance, while Gen Z accounts for 44% of bStocks trading activity, making it the largest participating age group.

The product also continues to see strong engagement outside traditional U.S. market hours. After U.S. markets close, bStocks account for 58% of equity-linked trading volume on Binance, demonstrating demand for around-the-clock market access. During the most recent weekend alone, bStocks recorded $2 billion in trading volume.

As part of Binance’s integrated investment ecosystem, bStocks are available alongside spot, equities and perpetual futures. Today, 58.5% of bStocks holders also trade perpetual futures, direct equities, or all three, enabling users to manage multiple investment strategies within a single platform. Eligible users can also convert between a bStock and its corresponding underlying stock instantly and free of charge in either direction.

“Tokenized stocks are opening the door to a new generation of investors and with bStocks accounting for 58% of equity-linked volume on Binance outside U.S. market hours, it is clear that users increasingly expect access on their own terms,” said Shunyet Jan, Head of Exchange & Trading at Binance. “We’re seeing more users explore traditional finance through an experience that is borderless, always available, and integrated with the digital assets they already hold. As user demands evolve, we will continue expanding bStocks to make global investment opportunities more accessible and intuitive.”

Since launch, Binance has expanded the number of available bStocks from five to more than 46 listings, adding companies across technology, semiconductors, financial services, clean energy, and exchange-traded funds. Recent additions include Apple, Amazon, Goldman Sachs, PayPal, Dell Technologies, and the VanEck Semiconductor ETF.

Users can learn more about bStocks and view the full list of available tokenized stocks on Binance.

Distributed by APO Group on behalf of Binance.

Disclaimer:
Digital asset prices are subject to high market risk and price volatility. The value of your investment may go down or up, and you may not get back the amount invested. You are solely responsible for your investment decisions and Binance is not liable for any losses you may incur. Past performance is not a reliable predictor of future performance. You should only invest in products you are familiar with and where you understand the risks. You should carefully consider your investment experience, financial situation, investment objectives and risk tolerance and consult an independent financial adviser prior to making any investment. This material should not be construed as financial advice. For more information, see our Terms of Use https://apo-opa.co/4fFYeQB and Risk Warning https://apo-opa.co/4h1qyzb.

About Binance:
Binance is a leading global blockchain ecosystem behind the world’s largest cryptocurrency exchange by trading volume and registered users. Binance is trusted by more than 320 million people in 100+ countries for its industry-leading security, transparency, trading engine speed, protections for investors, and unmatched portfolio of digital asset products and offerings from trading and finance to education, research, social good, payments, institutional services, and Web3 features. Binance is devoted to building an inclusive crypto ecosystem to increase the freedom of money and financial access for people around the world with crypto as the fundamental means. For more information, visit: https://www.Binance.com.

Inside Africa’s Green Economy: Kevin Munjal on What’s Coming Next

Source: APO

Exclusive interview with Kevin Munjal, Director, Development Impact at FSD Africa, which recently published a report on “Unlocking Africa’s Green Transition: Opportunities Towards a Green and Inclusive Workforce (https://apo-opa.co/4yMIbJt) in partnership with Shell Foundation. It contains highly relevant insights for stakeholders working on Africa’s green transition and related human capital challenges.  

Interview Summary:
Kevin Munjal, Director of Development Impact at FSD Africa, highlights the potential for up to 84.5 million green jobs in Africa by 2050 if capital flows to service-led value chains, regulations are enforced, and skills systems modernised. He stresses vocational training models with guaranteed income pathways, innovative financing that embeds workforce development into green infrastructure, and mobile-based social protection for informal workers.

Gender equity requires targeted interventions across both formal and informal economies. Clean cooking and waste recycling are identified as transformative sectors, while national strategies must reflect distinct labour market structures in Nigeria, South Africa and Kenya.

Let’s start with some background on you and the work that you do for FSD Africa. Where in Africa are you active?
My name is Kevin Munjal, I’m the Director of Development Impact at FSD Africa. FSD Africa is a specialist development agency deploying financial and non-financial instruments to strengthen Africa’s financial sector to enable the continent to mobilise sustainable capital at scale for financing of its development needs. We currently have a presence in over 30 countries.

As Director of Development Impact, I oversee the body of work that helps FSD Africa understand the effectiveness of its financial sector development strategies. Together with my team, we help craft and test hypotheses, generating data and insights that inform stronger programming.

I also oversee a growing portfolio of work on green skills and jobs, advocating for climate financing strategies that enable a just green transition in Africa.

The recently published FSD Africa report projects up to 84.5 million green jobs by 2050. What policy choices are most critical to ensure Africa reaches the high scenario outcome rather than falling short?
The gap between the low and high scenarios, 18 million jobs by 2050,  comes down to three things: where capital is directed, whether regulations are enforced, and whether skills systems keep pace with deployment.

On capital, the high scenario requires finance to flow toward service-led value chains like clean cooking, solar home systems, waste recycling, e-mobility, rather than concentrating in utility-scale infrastructure. These service chains generate more jobs per dollar and reach more people.

On regulation, the gap between policy intent and market reality is enormous. Thirteen African countries have published e-mobility strategies, but very few have operational enforcement frameworks. Clean cooking targets appear in only 45% of African NDCs. 

On skills, the training systems that exist are largely calibrated to legacy technologies. There are no national training programmes for IoT-enabled remote operations, battery management system governance, or carbon measurement and verification in any of the three countries we studied. 

How can African governments and industry rapidly scale vocational training and skills systems to meet demand?
Africa’s renewable energy workforce is around 324,000 people—just 2% of the global total—despite the continent holding 60% of the world’s best solar resources. That gap cannot be closed through the formal TVET system alone, which is too slow to reform and too geographically fixed to reach the workers who need it most.

The most effective approaches we’ve seen share a common design principle: train for a specific job with a guaranteed income pathway. The Rural Electrification Agency’s NextGen model in Nigeria—bootcamp training paired with a nine-month paid internship—is a strong example. South Africa’s Grootbos Green Futures programme places 90% of its trainees into roles in the local restoration economy.

Beyond individual programmes, three instruments can scale quickly without new legislation. Recognition of prior learning, embedding green skills modules into existing qualifications rather than creating standalone credentials, and making industrial apprenticeships paid, which has been shown to dramatically improve female retention.

Less than 1% of climate finance currently goes to skills development. What innovative financing mechanisms could redirect capital towards workforce training?
Less than 1% of climate finance currently goes to skills development. While “Jobs created” is the standard metric for investors, it tells you nothing about whether those jobs are decent, skilled, or sustainable.

The first shift needed is to embed workforce development criteria directly into green infrastructure financing. If a DFI is deploying capital into a solar project, a defined share of that deployment should be earmarked for training. Gender inclusion criteria should also be part of the deal terms.

To move beyond grants, need to identify how the underlying assets of a green investment can innovatively finance the skilling of workers. For instance, can a portion of the carbon revenue generated by a green investment be used to finance skilling, In principle, more private finance needs to be directed to the skilling agenda if it is to be sustainable, hence the need to find financing models that can enable this.

The report warns that 86% of green jobs in 2030 will be informal. How can stakeholders extend social protection and career pathways to informal workers, especially women and youth?
By 2030, 86% of green jobs will be informal. That is not a problem to solve for, it is the structure of Africa’s green economy, and any serious strategy has to work within it rather than around it.

Three instruments matter most. Mobile-based social protection, linked to the digital payment platforms that African workers already use, can extend access to health insurance, accident cover, and pensions for self-employed green workers.

Portable digital credentials, verified through employer records and accessible on basic mobile devices, allow workers to build a recognised skills profile that travels with them across employers and markets. For young people in particular, this converts informal experience into a career asset.

Finally, giving micro-distributors access to working capital and trade finance allows nano and micro-enterprises to build the enterprise performance records that financial institutions need to extend credit. This is how you move someone from a survivalist activity to a sustainable livelihood.

Staying with women, they are concentrated in lower value, commission-based roles. What targeted interventions could ensure gender equity and progression opportunities in the green economy?
Women are projected to hold 31% of green jobs by 2030 and 44% by 2050. That sounds positive until you look at where those jobs are concentrated—the lowest-value, most informal, commission-based roles, with no contract, no social protection, and no progression pathway.

The barriers are structural and well-documented. Safety and mobility issues prevent women from taking on remote or overnight technical assignments. Women’s care burdens conflict with the rigid schedules of higher-tier roles. Gaps in certification and field placement mean that women who complete technical training often cannot convert it into employment.

The most effective interventions address these simultaneously rather than one at a time.

In South Africa, where the green economy is highly formalised, the levers are procurement standards, worksite infrastructure and embedding these into financing conditionalities so they become institutional expectations rather than voluntary practice.

In Nigeria and Kenya, where growth is happening through informal channels, the priority is expanding women’s access to distribution roles and providing working capital for women-led enterprises through catalytic finance instruments.

Gender covenants in DFI financing, specifying targets by value chain and tracking women in technical and management roles, are the accountability mechanism that makes all of this stick.

Africa’s transition is mainly driven by service-led industries. In your view, which of these sectors are most transformative for inclusive job creation?
Clean cooking stands out. By 2030, it is projected to be the largest green value chain on the continent generating between 1.4 and 2.5 million jobs through micro-distributors, maintenance technicians, and community agents. By 2050, clean cooking employment is projected to grow more than tenfold. The majority of customers are women, which means effective distribution requires women as agents, and the sector is approaching gender parity in our high-scenario projections.

Waste recycling is the other sector I’d highlight. It has the highest accessibility rates for low-income workers, around 72%, and the regulatory frameworks to drive formalisation are already in place in South Africa, Kenya, and increasingly Nigeria. South Africa’s Extended Producer Responsibility regime has already created over 24,000 formal jobs since 2022.

The common thread in both sectors is that employment is driven by service delivery at scale with millions of household connections and collections, not a handful of large construction projects. That is precisely what makes them transformative: the jobs are distributed, the barriers to entry are low, and the potential to reach workers who have been structurally excluded from the formal economy is real.

The report highlights differences across Nigeria, South Africa and Kenya. How should national strategies be tailored to reflect these distinct labour market structures and enabling conditions?
Our research is very clear that there is no single African green transition, and a continental template would miss the mark badly.

Nigeria’s transition is 87% informal and dominated by nano-enterprises. Mandating formalisation will not work at the scale and speed the sector requires. The priority is improving job quality within informal systems—portable credentials, mobile social protection, quality standards within agent networks—while expanding the sectors where women are better represented, like climate-smart agriculture.

South Africa’s transition is 70% formal, shaped by regulated procurement frameworks and the most capitalised just transition plan on the continent. The challenge here is not reaching informal workers; it is reforming conditions within formal systems, particularly the occupational segregation that keeps women’s participation stagnant at around 25%, and ensuring that the shift from construction-phase to operations and maintenance roles translates into improved incomes.

Kenya occupies a middle ground—a renewable electricity system already operational, an emerging e-mobility sector anchored by the continent’s most mature mobile money infrastructure, and a devolved governance structure that requires green skills to be integrated at the county level if employment benefits are to reach workers where deployment is actually occurring.

FSD Africa is launching the Green Jobs Innovation Hub. What role do you envision this initiative playing in bridging the gap between investment in infrastructure and investment in human capital?
The hub is a direct response to the coordination failure that sits at the heart of this problem. Training institutions cannot invest in green skills without demand signals from employers. Employers cannot plan workforces without deployment pipelines. DFIs cannot condition financing on workforce outcomes without data on what those outcomes should look like. And governments cannot sequence skills expenditure without occupation-level employment projections. Everyone is waiting for someone else to move first.

The Green Jobs Innovation Hub is designed to break that deadlock by bringing these actors together around shared data, shared standards, and shared investment. Concretely, The Hub works to unlock financing models that close the workforce investment gap—ensuring that capital flows alongside green infrastructure investment.

Any final thoughts from your side?
The most important thing I want to emphasise is that Africa’s green transition is not primarily a story about solar panels and megawatts. It is a story about millions of micro-distributors, maintenance technicians, waste sorters, and community agents, people who are already doing this work, largely informally, largely without recognition, and largely without protection.

We also have the data now. We know which value chains will generate the most jobs, we know who those jobs will reach, and we know what is preventing more people from accessing better ones.

Therefore, we should stop separating the infrastructure conversation from the human capital conversation. They are the same investment. And until we finance them that way, we will keep building green infrastructure that imports its skills and perpetuates the same development challenges we’ve seen over the years.

Distributed by APO Group on behalf of VUKA Group.

Additional Link: https://apo-opa.co/44SPLEG

About Africa’s Green Economy Summit (AGES): 
The Africa’s Green Economy Summit (AGES), powered by VUKA Group, is a leading platform for advancing sustainable development across the continent. Now in its 5th edition, AGES 2027 brings together investors, policymakers, project developers, and industry leaders to accelerate Africa’s transition to a green and inclusive economy. Through high-level dialogue, strategic networking, and deal-making opportunities, the summit connects global capital with African projects across sectors including climate finance, infrastructure, energy, and environmental sustainability.

About VUKA Group: 
VUKA Group is a purpose-driven business that connects people and organisations to drive meaningful impact across Africa’s key industries. Through its portfolio of events, digital platforms, and insights, VUKA enables collaboration, knowledge-sharing, and business growth in sectors critical to the continent’s future.

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Binance bStocks atteint les 500 millions de dollars d’actifs sous gestion Actifs ous Gestion (AUM) alors qu’une nouvelle génération d’investisseurs se tourne vers les actions tokenisées

Source: Africa Press Organisation – French


Binance (https://www.Binance.com) a annoncé aujourd’hui que bStocks, son offre de titres tokenisés, a dépassé les 500 millions de dollars d’actifs sous gestion (AUM), sept semaines après son lancement. Depuis son lancement le 11 juin 2026, le produit est passé de cinq titres à plus de 46 cotations, offrant aux utilisateurs éligibles un accès 24 h/24 et 7 j/7 aux titres tokenisés ainsi qu’une conversion gratuite et instantanée entre un bStock et l’action sous-jacente.

Cette étape importante témoigne de la demande croissante d’accès aux tokens (jetons numériques) sur les marchés, alors que de plus en plus d’utilisateurs découvrent les marchés financiers traditionnels via Binance. Les premières données de la plateforme indiquent que bStocks attire principalement un public issu du monde de la cryptomonnaie, de nombreux utilisateurs se familiarisant pour la première fois avec la finance traditionnelle grâce aux titres tokenisés.

Selon les données de Binance, 41,5 % des utilisateurs de bStocks ont commencé leur parcours d’investissement dans la finance traditionnelle par le biais de titres tokenisés sur Binance, tandis que la Génération Z représente 44 % de l’activité de trading sur bStocks, ce qui en fait la tranche d’âge la plus représentée.

Le produit continue également de susciter un fort engouement en dehors des heures d’ouverture traditionnelles des marchés américains. Après la clôture des marchés américains, les bStocks représentent 58 % du volume des transactions liées aux actions sur Binance, ce qui témoigne de la demande d’un accès au marché 24 heures sur 24. Rien que lors du dernier week-end, les bStocks ont enregistré un volume de transactions de 2 milliards de dollars.

S’inscrivant dans l’écosystème d’investissement intégré de Binance, les bStocks sont disponibles aux côtés des transactions au comptant, des actions et des contrats à terme perpétuels. Aujourd’hui, 58,5 % des détenteurs de bStocks font également du trading avec des contrats à terme perpétuels, des actions directes, ou les trois à la fois, ce qui permet aux utilisateurs de gérer plusieurs stratégies d’investissement au sein d’une même plateforme. Les utilisateurs éligibles peuvent également convertir instantanément et sans frais un bStock en son action sous-jacente correspondante, et inversement.

« Les actions tokenisées ouvrent la voie à une nouvelle génération d’investisseurs et, les bStocks représentant 58 % du volume lié aux actions sur Binance en dehors des heures d’ouverture des marchés américains, il est clair que les utilisateurs s’attendent de plus en plus à pouvoir y accéder selon leurs propres conditions », a déclaré Shunyet Jan, responsable des opérations boursières et du trading chez Binance. « Nous constatons que de plus en plus d’utilisateurs s’intéressent à la finance traditionnelle grâce à une expérience sans frontières, disponible en permanence et intégrée aux actifs numériques qu’ils détiennent déjà. À mesure que les attentes des utilisateurs évoluent, nous continuerons à développer bStocks afin de rendre les opportunités d’investissement mondiales plus accessibles et plus intuitives. »

Depuis son lancement, Binance a élargi son offre de bStocks, passant de cinq à plus de 46 cotations, en ajoutant des entreprises issues des secteurs de la technologie, des semi-conducteurs, des services financiers, des énergies propres et des fonds négociés en bourse (ETF). Parmi les ajouts récents figurent Apple, Amazon, Goldman Sachs, PayPal, Dell Technologies et le fonds VanEck Semiconductor ETF.

Les utilisateurs peuvent en savoir plus sur les bStocks et consulter la liste complète des actions tokenisées disponibles sur Binance.

Distribué par APO Group pour Binance.

Avis de non-responsabilité :
les cours des actifs numériques sont soumis à un risque de marché élevé et à une forte volatilité. La valeur de votre investissement peut baisser ou augmenter, et il est possible que vous ne récupériez pas le montant investi. Vous êtes seul responsable de vos décisions d’investissement et Binance ne saurait être tenu responsable des pertes que vous pourriez subir. Les performances passées ne constituent pas un indicateur fiable des performances futures. Vous ne devriez investir que dans des produits que vous connaissez bien et dont vous comprenez les risques. Vous devez évaluer à la loupe votre expérience en matière d’investissement, votre situation financière, vos objectifs d’investissement ainsi que votre tolérance au risque, et consulter un conseiller financier indépendant avant de réaliser tout investissement. Ce document ne doit pas être interprété comme un conseil financier. Pour plus d’informations, consultez nos https://apo-opa.co/4fFYeQB et notre rubrique https://apo-opa.co/3RFsOBG.

À propos de Binance :
Binance est un écosystème blockchain mondial de premier plan qui sous-tend la plus grande bourse de cryptomonnaie au monde en termes de volume de transactions et d’utilisateurs enregistrés. Binance bénéficie de la confiance de plus de 320 millions de personnes dans plus de 100 pays pour sa sécurité, sa transparence, la rapidité de son moteur de trading, ses protections pour les investisseurs et son portefeuille inégalé de produits et d’offres d’actifs numériques, allant du trading et de la finance à l’éducation, la recherche, le bien social, les paiements, les services institutionnels et les fonctionnalités Web3. Binance se consacre à la création d’un écosystème crypto inclusif afin d’accroître la liberté monétaire et l’accès aux services financiers pour les personnes du monde entier, en utilisant la crypto comme moyen fondamental. Pour plus d’informations, rendez-vous sur : https://www.Binance.com.

Backbase et African Banker publient un rapport de référence sur l’état de Intelligence artificielle (IA) dans le secteur bancaire africain en 2026 : la réalité du secteur bancaire à l’ère de l’agentique

Source: Africa Press Organisation – French

Backbase (www.Backbase.com), leader des services bancaires basés sur l’IA, en partenariat avec le magazine African Banker, a publié un rapport intitulé « The State of AI in African Banking 2026: The Reality of Banking in the Agentic Era » (L’état de l’IA dans le secteur bancaire africain en 2026 : la réalité du secteur bancaire à l’ère de l’agentique). Ce rapport, qui constitue la première évaluation systématique du retour sur investissement de l’IA dans le secteur bancaire africain, révèle que ce dernier reste fermement engagé en faveur de l’IA, mais qu’il entre dans une « phase de responsabilisation » plus exigeante, au cours de laquelle les conseils d’administration veulent des preuves que la technologie est rentable.

S’appuyant sur les réponses de 277 cadres supérieurs du secteur bancaire issus de 37 pays africains, l’enquête révèle que les pressions sur les taux de change, la hausse des coûts du cloud libellés en dollars et le durcissement des règles de localisation des données concentrent l’attention des conseils d’administration sur une seule question : quel est le retour sur investissement de l’IA?

Parmi les principales conclusions du rapport, on peut citer :

  • Les budgets consacrés à l’IA augmentent sur l’ensemble du continent, même parmi le tiers des établissements qui n’ont pas encore mis en place de mesure formelle du retour sur investissement (ROI), ce qui souligne un impératif d’investissement qui dépasse les moyens disponibles pour en rendre compte.
  • Les établissements qui travaillent avec des prestataires tiers spécialisés dans l’IA mesurent leur retour sur investissement plus de deux fois plus souvent que ceux qui développent leurs solutions entièrement en interne, soit 71,7 % contre 31 % ; un écart que le rapport qualifie de « prime de partenariat ».
  • L’IA conversationnelle est devenue le point d’entrée par défaut du secteur, citée par 49 % des personnes interrogées, mais les « innovateurs » déploient des fonctionnalités avancées de services financiers, telles que des outils de crédit, de gestion des risques et de gestion des revenus, à un rythme supérieur de 24 points de pourcentage à celui des « précurseurs ».
  • L’architecture héritée constitue la principale contrainte du secteur : 50,2 % des personnes interrogées identifient l’intégration avec les systèmes existants comme leur principal obstacle interne. Cette contrainte nuit à la cohérence des données nécessaire pour mesurer le retour sur investissement de l’IA.
  • Parmi les établissements ayant mis en place une mesure formelle du retour sur investissement, 85,1 % indiquent que les résultats atteignent ou dépassent leurs prévisions initiales, alors que seulement 67,1 % de l’ensemble des personnes interrogées mesurent effectivement leur retour sur investissement.

Le rapport révèle également que le sentiment à l’égard du rôle de l’IA dans le secteur bancaire africain reste très positif : 86,9 % des personnes interrogées se montrent positives ou très positives quant à son rôle au cours des deux prochaines années, et 83,2 % se disent susceptibles ou très susceptibles d’augmenter leurs investissements dans l’IA. La détection des fraudes et la surveillance des transactions apparaissent comme les cas d’utilisation les plus percutants, suivies par la notation de crédit et l’évaluation alternative pour les clients disposant d’un historique de crédit limité, une application que le rapport identifie comme une voie crédible pour intégrer davantage la population non bancarisée d’Afrique subsaharienne dans le système financier formel.

Le rapport met toutefois en garde contre le fait que la dette architecturale freine les ambitions du secteur. En moyenne, 55,7 centimes de chaque dollar dépensé en informatique par les banques africaines sont consacrés à la maintenance des systèmes hérités, alors même que près de la moitié des personnes interrogées estiment que ces mêmes systèmes sont tout à fait ou pleinement capables de prendre en charge l’IA, un écart que le rapport identifie comme un angle mort potentiel à mesure que les banques s’orientent vers une IA autonome et agentique.

Aymen Daoud, vice-président régional pour l’Afrique chez Backbase, a déclaré :

« Les banques africaines n’ont pas un problème d’IA, elles ont un problème d’architecture. Les institutions qui considèrent l’intégration comme la “plomberie” à réparer avant de déployer des agents IA dépenseront moins, se mettront plus facilement en conformité et seront celles qui resteront debout lorsque la génération actuelle de modèles sera, inévitablement, remplacée par la suivante. »

Le rapport complet est désormais disponible à l’adresse : https://apo-opa.co/4yPAMZG

Distribué par APO Group pour Backbase.

Contact presse :
Stefan Maritz
stefanma@backbase.com

À propos de Backbase :
Backbase a développé le « Banking OS » natif de l’IA, un système d’exploitation qui transforme les opérations bancaires fragmentées en un « front-office unifié ». Clients, collaborateurs et agents IA travaillent en parfaite synergie sur l’ensemble des canaux numériques, du front-office et des opérations. Plus de 120 banques de premier plan utilisent Backbase dans les secteurs de la banque de détail, des PME et des entreprises, de la banque privée et de la gestion de patrimoine.

Reconnu par Forrester, Gartner et Datos comme leader de sa catégorie, Backbase accompagne la transformation numérique et par l’IA de plus de 120 institutions financières à travers le monde. Découvrez ici quelques-uns de leurs témoignages.

Fondée en 2003 par Jouk Pleiter, Backbase a son siège social à Amsterdam et dispose d’équipes en Amérique du Nord, en Europe, au Moyen-Orient, en Afrique, en Asie-Pacifique et en Amérique latine.

À propos d’African Banker : 
African Banker est la principale publication du continent consacrée à la banque et à la finance. Publiée trimestriellement, elle propose une couverture approfondie et des analyses faisant autorité sur les principales évolutions qui façonnent le secteur financier africain, de la fintech et des réformes politiques aux tendances d’investissement et au leadership des dirigeants. En tant que partenaire de confiance des principales institutions, African Banker rassemble les principales parties prenantes à travers ses prix, ses sommets et ses rapports spéciaux.

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Kaspersky uncovers the cyber threats defining the first half of 2026 in Middle East, Turkiye and Africa region (META)

Source: APO – Report:

Kaspersky’s (www.Kaspersky.co.za) Global Research & Analysis Team (GReAT) reveals key cyber threat trends for the first half of 2026 at the recent Cyber Security Weekend for the Middle East, Turkiye and Africa region (META).

As the cybersecurity landscape continues to evolve, cyberthreats are becoming increasingly diverse and sophisticated. The rapid adoption of artificial intelligence (AI), coupled with ongoing geopolitical and economic instability, is contributing to the rise of cybercrime and the growing complexity of cyberattacks.

According to Kaspersky’s telemetry, online threats exploiting vulnerabilities in websites, emails and web services continued to affect millions of users across the META region during the first half of 2026. Specifically, Kaspersky detection systems stopped 5,7M attacks from various online resources in South Africa, 4,5M in Kenya and 1,6M in Nigeria.

Turkiye recorded the highest percentage of users affected by web-based threats at 22.8%, followed by Kenya (21.2%), Qatar (19.3%), Nigeria (18.4%) and South Africa (17.2%). In contrast, Saudi Arabia, Jordan and Pakistan registered the lowest share of users targeted by web-borne attacks in the region.

AI is transforming attacker operations

Kaspersky experts report that threat actors are increasingly integrating AI into different stages of their operations. Large language models are already being used to generate phishing emails, malicious code and supporting operational content.

AI is also beginning to play a larger role in malware development. Modern language models are capable of generating substantial portions of malicious software, from initial code scaffolding to functional modules. Researchers have already observed AI-assisted malware development in campaigns linked to the FunkSec group, which deployed Rust-based malware capable of data theft, encryption and process manipulation. Similarly, during the RevengeHotels campaign in 2025, threat actors used large language models to generate portions of the infector and downloader code.

“We expect AI to remain one of the key factors shaping the threat landscape in 2026, as we already see how it is reshaping attacker workflows and accelerating their operations,” said Sergey Lozhkin, Head of Global Research and Analysis Team in APAC and META regions at Kaspersky. “By lowering the time and cost required to develop and adapt malicious tools, AI allows threat actors to iterate faster and scale their efforts. Defenders should be prepared for quicker shifts in tactics.”

Emerging trends shaping the cyber threat landscape

In addition to the growing use of AI by cybercriminals, Kaspersky experts identified several trends that organisations should monitor closely:

  • AI-driven malware evolution: generative models can rewrite malware in different languages or architectures, making malicious code harder to detect, and faster to deploy at scale.
  • Cloud-based data exfiltration: attackers increasingly route stolen data through legitimate cloud and file-sharing services to blend in with normal traffic.
  • Ransomware targeting operations: some groups disrupt production and business processes, not just encrypt data, to increase pressure for payment.
  • AI agents as persistence mechanisms: some AI agent solutions are granted broad or even full system access. If compromised, attackers could modify the system prompt or the agent’s configuration, for example, causing it to download a payload on every startup.
  • Malicious AI skills become a new attack vector: as AI agents gain broader access to enterprise systems, attackers start to exploit compromised skills to manipulate agent behaviour, steal sensitive data, execute unauthorised actions, and establish persistent access. This creates a new layer of risk where trusted AI tools can be turned into powerful mechanisms for cyberattacks.

As cyberthreats continue to evolve alongside emerging technologies, Kaspersky recommends that organisations strengthen their cybersecurity posture through continuous vulnerability management, timely patching, employee awareness training, threat intelligence, and advanced security solutions like Kaspersky Next (https://apo-opa.co/4xbceIX), capable of detecting sophisticated and AI-assisted attacks.

– on behalf of Kaspersky.

For further information please contact:
Nicole Allman
nicole@inkandco.co.za

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About Kaspersky:
Kaspersky is a global cybersecurity and digital privacy company founded in 1997. Innovating the industry with a Cyber Immunity approach, Kaspersky safeguards consumers, businesses, critical infrastructure, and governments from cyberthreats, with over a billion devices protected to date. Kaspersky ensures Cybersecurity True to Business, focusing on providing clear outcomes, protecting revenue, easing workloads and preventing downtime. Kaspersky’s deep threat intelligence and security expertise is constantly transforming into innovative solutions and services for organizations of every size, from small businesses to large enterprises, combining proven AI-driven protection technologies with simple management and expert support. Recognized in independent tests and trusted by millions of individuals worldwide and nearly 200,000 organizations, Kaspersky helps detect threats earlier, respond faster and operate with greater confidence and freedom, protecting what matters most to our clients. Learn more at www.Kaspersky.co.za. 

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R60 million to strengthen Nelson Mandela Bay electricity infrastructure

Source: Government of South Africa

R60 million to strengthen Nelson Mandela Bay electricity infrastructure

The Nelson Mandela Bay Municipality has allocated R60 million towards strategic electricity infrastructure upgrades aimed at improving supply reliability, stimulating economic growth and attracting investment.

The investment forms part of the municipality’s ongoing infrastructure renewal programme and includes R35 million for the replacement of the Chelsea–Summerstrand 132kV powerline and R25 million to strengthen the electricity network within the Coega Special Economic Zone (SEZ).

The projects form part of the municipality’s broader electricity infrastructure modernisation programme focused on replacing ageing strategic assets, strengthening critical supply corridors, and ensuring the city’s electricity network can meet growing residential, commercial and industrial demand.

The projects complement ongoing maintenance programmes, substation refurbishments and planned network upgrades being implemented across the metro.

“The Coega SEZ project will strengthen the electricity network to meet current demand while creating capacity for future industrial expansion within one of South Africa’s most important investment destinations.

“The replacement of the Chelsea–Summerstrand 132kV power line will improve electricity supply stability to an area that plays a significant role in Nelson Mandela Bay’s tourism and hospitality economy, helping to reduce network vulnerability and support uninterrupted economic activity,” the municipality said in a statement.

The municipality said the investments will also contribute to improving the overall stability of the municipal electricity network by protecting critical supply infrastructure that serves residential, commercial and industrial customers.

Mayor Babalwa Lobishe said reliable infrastructure remains one of the municipality’s most important economic development priorities.

“A reliable electricity network is the foundation of a competitive and growing city. These investments are not only about constructing new infrastructure – they are about modernising our electricity network, maintaining critical assets and creating the conditions for investment, business expansion and sustainable economic growth.

“By strengthening strategic infrastructure today, we are improving service reliability for our residents while positioning Nelson Mandela Bay as a destination of choice for investment, industry and tourism,” Lobishe said.

R13m for uncategorised electrical infrastructure components

In addition to the R60 million investment, the municipality has allocated R13 million for uncategorised electrical infrastructure components and flexible capital budget items.

The funding will support minor grid extensions, unplanned electrical maintenance, and the replacement and upgrading of critical electrical equipment to further improve the reliability, resilience and overall performance of the city’s electricity network.

“These projects will be implemented through the municipality’s approved capital programme and monitored through established governance and project management processes to ensure effective implementation, accountability and value for money.

“Together, these investments reinforce the municipality’s commitment to modernising and maintaining critical infrastructure while improving service reliability, strengthening investor confidence and creating an enabling environment for inclusive economic growth.”

The municipality said it continues to balance strategic capital investment with routine maintenance, planned refurbishment of substations, and the replacement of ageing infrastructure.

It said that corrective maintenance remains integral to the city’s asset management strategy.

It also reiterated its commitment to protecting public infrastructure by strengthening security measures and working with law enforcement agencies to combat vandalism, cable theft and damage to electricity infrastructure, which remain among the leading causes of avoidable electricity outages across the metro.

Residents, businesses and community organisations have been urged to report incidents of vandalism and infrastructure theft, with the municipality stressing that protecting public infrastructure is a shared responsibility that safeguards service delivery and public investment. –SAnews.gov.za 
 

GabiK

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Microsoft to Lead Artificial Intelligence (AI) Masterclass at African Energy Week (AEW) 2026’s Renegade Intel Platform

Source: APO


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As AI reshapes global energy systems, African operators are looking towards cloud computing, advanced analytics and connected infrastructure to improve production, modernize power networks and strengthen operational resilience.

Against this backdrop, the Microsoft Masterclass: AI & Data Adoption for African Energy Companies, taking place during the Renegade Intel platform at African Energy Week (AEW) 2026 – taking place in Cape Town from October 12–16 – will examine how Microsoft Azure can accelerate digital transformation across Africa’s upstream, power and renewable energy industries. Led by Microsoft’s Corporate Vice President for Energy Darryl Willis and industry leaders, the session will provide practical guidance for companies seeking to integrate AI into day-to-day operations.

From Data to Intelligent Operations

In upstream oil and gas, cloud-based analytics and edge computing are enabling operators to process production data in real time, predict equipment failures and optimize drilling performance. High-performance computing on Azure is also accelerating seismic processing and basin modeling, helping explorers evaluate emerging opportunities such as the Orange Basin more effectively.

The growing relationship between energy infrastructure and digital investment is already visible across the continent. Earlier this month, the City of Cape Town approved the construction of two hyperscale data centers with a combined planned electricity demand of 174 MW. Designed to support AI computing and cloud services, the facilities highlight how data centers are becoming long-term baseload consumers, driving investment in grid modernization, dedicated energy wheeling and more resilient electricity infrastructure.

By integrating predictive analytics with smart meters and connected infrastructure, grid operators can anticipate transmission constraints, improve power wheeling and balance electricity generation from gas, hydro and renewable energy sources.

Cloud platforms are also supporting Africa’s energy transition. Azure Data Manager for Energy enables standardized carbon accounting and emissions reporting, helping companies strengthen ESG compliance and improve access to international financing. At the same time, virtual power plants are allowing distributed solar and battery assets to operate as coordinated systems, improving grid stability while supporting regional electricity markets.

As such, the masterclass is set to examine how localized Azure environments support compliance with national data sovereignty requirements while Microsoft Sentinel and Azure Defender for IoT help secure industrial control systems, smart grids and critical energy infrastructure.

Accelerating Africa’s Digital Energy Future

The session will also outline a practical roadmap for Azure adoption, demonstrating how organizations can progress from consolidating operational data and migrating legacy systems to deploying connected IoT platforms, advanced analytics and AI-enabled automation.

The discussion comes as investment in Africa’s digital infrastructure continues to accelerate. In July, Cassava Technologies, through Africa Data Centres and Liquid C2, designated its Johannesburg facility as a Microsoft Azure ExpressRoute Metro peering location, strengthening regional cloud connectivity and supporting the growing demand for AI-ready digital infrastructure.

“Artificial intelligence is transforming every part of the energy value chain, from exploration and production to electricity delivery and infrastructure management. The Microsoft Masterclass will provide practical insights into how African energy companies can deploy these technologies to improve performance, strengthen resilience and support long-term growth,” says NJ Ayuk, Executive Chairman, African Energy Chamber.

By bringing together energy companies, technology providers, investors and policymakers, the Microsoft Masterclass will demonstrate how AI and cloud technologies are enabling a more connected, efficient and resilient African energy sector while supporting the infrastructure needed to power the continent’s digital economy.

Distributed by APO Group on behalf of African Energy Chamber.

Mali: Standing With Girls: How Sidi Haidara Is Helping End Female Genital Mutilation in Mali

Source: APO

For years, Sidi Haidara believed female genital mutilation (FGM) was simply part of life.

Like many people in his community in central Mali, he saw it as a tradition passed down through generations—one that should be preserved.

Today, he walks from village to village with a very different message: no tradition should come at the expense of a girl’s health, rights or future.

His story goes beyond one man’s personal transformation. Across West and Central Africa, female genital mutilation remains deeply rooted in several countries. Mali has one of the highest prevalence rates in the region, with an estimated 89 per cent of women having undergone the practice. In places where social norms are deeply entrenched, change often begins with trusted voices from within the community.

“I used to believe that this practice was part of our traditions and needed to be preserved,” he says.

Nothing suggested that he would one day become one of the people advocating for its abandonment.

His perspective began to change after taking part in training sessions, workshops and community dialogues organized through the Men and Boys as Agents of Change project, implemented by UN Women with financial support from the Government of Germany. As he listened to different experiences and learned about the physical, psychological and social consequences of FGM, he began questioning beliefs he had never challenged before. He also came to understand that lasting change cannot simply be imposed—it grows through dialogue, trust and community ownership.

“The trainings supported by UN Women with the support of Germany transformed my understanding of female genital mutilation. I learned about the physical, psychological and social consequences that this practice imposes on girls. Today, I regularly organize awareness-raising sessions with families, religious leaders, young people and women,” he explains.

Today, Sidi spends much of his time talking with parents, religious leaders, young people and women across his community. Rather than telling people what to think, he encourages conversations about what it means to protect girls and challenges long-held beliefs through dialogue.

Little by little, those conversations are making a difference.

“I can see change: more parents are asking questions, several families are abandoning female genital mutilation and discussions about protecting girls have become more open. I am convinced that protecting girls today means investing in the future of our entire community.”

Sidi’s journey is part of a broader movement taking place across the regions of Mopti and Gao. With support from the Government of Germany, UN Women works alongside religious and traditional leaders, women, young people and committed men to lead community-driven initiatives that prevent violence against women and girls and challenge harmful social norms.

To date, fifty community initiatives have been implemented across the two regions, while eight community dialogue platforms provide spaces for people to discuss girls’ rights, their protection and ways to prevent gender-based violence.

For Sidi, abandoning a harmful practice is about more than leaving a tradition behind. It is about giving girls the opportunity to grow up safely, stay in school and shape their own futures.

His journey shows that some of the most meaningful changes happen when those who once upheld harmful social norms become the people helping transform them.

Sidi Haidara knows traditions do not change overnight. But every conversation creates an opportunity for reflection. Every family that chooses to protect its daughters helps write a different future from the one generations before them inherited.

In Mopti and Gao, these conversations are showing that lasting change does not always begin with a new law or policy. More often, it begins when communities themselves decide to imagine a different future for their girls.

Distributed by APO Group on behalf of UN Women – Africa.

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