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Carbon Introduces New Social Banking Service In Nigeria

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Nigerian fintech, Carbon has launched Carbon Express – A keyboard extension that allows customers to access Carbon services from within whatever app they are using.

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Carbon Express enables users to initiate and complete transactions such as P2P transfers and bill payments from the keyboard without launching the Carbon App or leaving the current app that they are using. Instead, they will be able to access services from the touch of their keyboard enabling quicker Instagram or Whatsapp commerce.

Carbon Express maintains the same PCI DSS compliant model of encryption, authentication, and security as Carbon’s other services, thereby guaranteeing the security of all transactions. The feature relies on the keyboard technology of smartphones to facilitate transactions. The technology adds a unique Carbon branded button to the customer’s smartphone keyboard which they can tap anytime to perform transactions. Think of sending an emoji but this time it’s real cash.

“This is a step in the right direction for Carbon as we aspire to go everywhere with our customer.” says Chijioke Dozie, CEO of Carbon. “People are spending a lot of their time on social messaging apps like Facebook, Twitter, Instagram, Whatsapp, etc, and It is only natural that some of the conversations they have on these platforms have to do with money. With Carbon Express, we are merging social conversations with financial services – meeting customers where they spend a lot of their time.”

Last week, the company also introduced Carbon Score, it’s loyalty scoring system that rewards customers with benefits such as Healthcare, additional referral bonuses as well as exclusive first access to some of its new features. “We want to continue to build a mutually beneficial relationship between our company and our customers and what better way than to reward their loyalty and discipline” Dozie adds.

Carbon (formerly Paylater) pioneered instant lending in Nigeria and was the first mobile app to provide access to credit digitally and without requesting individuals to present the documents and collateral traditionally associated with accessing loans. Earlier this year, it announced its Disrupt Fund, a $100,000 Pan-African fund to address the lack of capital for African tech startups.

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Reimagining Virtual Collaboration for the Future of Work and Learning

Today we’re announcing a set of new features in Microsoft Teams that make virtual interactions more natural, more engaging, and ultimately, more human. These features offer three key benefits for people at work and in education.

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By Jared Spataro, Corporate Vice President for Microsoft 365

We’ve reached an inflection point. As the global response to COVID-19 evolves, communities around the world have moved from an era of “remote everything” into a more hybrid model of work, learning, and life. And as we all scramble to keep up, the future of work and education is being shaped before our eyes.

At Microsoft, we’ve spent the last few months learning from our customers and studying how they use our tools. We’ve also worked with experts across virtual reality, AI, and productivity research to help understand the future of work. These findings, which are published here, guide us as we design technology to help our customers today and in the future.

Today we’re announcing a set of new features in Microsoft Teams that make virtual interactions more natural, more engaging, and ultimately, more human. These features offer three key benefits for people at work and in education. First, they help you feel more connected with your team and reduce meeting fatigue. Second, they make meetings more inclusive and engaging. And third, they help streamline your work and save time. It’s all about enabling people everywhere to collaborate, to stay connected, and to discover new ways to be productive from anywhere. Let’s dig into the details.

Feel more connected and reduce meeting fatigue

Together mode—At a time when people are conducting more virtual meetings than ever, our research has shown that many of us feel less connected since moving to remote work, and experience more fatigue during video meetings than during in-person collaboration. Together mode is a new meeting experience in Teams that uses AI segmentation technology to digitally place participants in a shared background, making it feel like you’re sitting in the same room with everyone else in the meeting or class. Together mode makes meetings more engaging by helping you focus on other people’s faces and body language and making it easier to pick up on the non-verbal cues that are so important to human interaction. It’s great for meetings in which multiple people will speak, such as brainstorms or roundtable discussions, because it makes it easier for participants to understand who is talking. Together mode with auditorium view is rolling out now and will be generally available in August. And we’ll bring more views to Together mode in the future.

Dynamic view—While Together mode offers an extraordinary new meeting experience, it’s not intended for every meeting. We believe that traditional video meetings people use every day can also be more engaging and dynamic. A set of enhancements we call dynamic view gives you more control over how you see shared content and other participants in a meeting. Using AI, meetings dynamically optimize shared content and video participants. New controls—including the ability to show shared content and specific participants side-by-side—let you personalize the view to suit your preferences and needs. Dynamic view builds on the meetings enhancements we announced last month, which include large gallery view (rolling out in August), where you can see video of up to 49 people in a meeting simultaneously, and virtual breakout rooms, which allow meeting organizers to split meeting participants into smaller groups for things like brainstorming sessions or workgroup discussions.

Video filters—We’ve all become familiar with video filters used in photography and social media apps, and now we’re bringing them to Teams. Before joining a meeting, you can use the filters to subtly adjust lighting levels and soften the focus of the camera to customize your appearance.

Reflect messaging extension—Our research shows that employee well-being is more important to productivity than ever. Creating an emotionally supportive environment is key to keeping people healthy, happy, and focused. The new Reflect messaging extension gives managers, leaders and teachers an easy way to check in with how their team or students are feeling — either in general, or about a specific topic like work-life balance, the status of a project, current events, or a change within the organization. IT administrators will be able to install the Reflect extension from GitHub, and then make it available to employees in their organization in the message extension menu. Once installed, the extension provides suggested check-in questions and the ability to add custom questions that team members can respond to in a poll-like experience. Managers or teachers can also choose to make poll results anonymous. The Reflect messaging extension will be available in the coming weeks.

Make meetings more inclusive, engaging, and effective 

Live reactions—Non-verbal cues like smiles and head nods can be difficult to notice in online meetings, making it challenging for presenters to gauge audience reactions and for participants in large meetings to share a sentiment without interrupting the meeting flow. Soon, you will be able to react during a meeting using emojis that will appear to all participants. Live reactions is a shared feature with PowerPoint Live Presentations, which allows audience members to provide instant feedback to the presenter. We are also bringing PowerPoint Live Presentations to Teams in the future, further enabling audience engagement right from Teams.


Chat bubbles—During meetings, chat has become a lively space for conversation and idea-sharing, and offers an option for people to participate in the discussion without having to jump in verbally. But it can be challenging to pay attention to video feeds, presentations, and chats all at the same time. Currently, Teams users need to manually open a chat window to view the chat screen. Soon, however, chats sent during a Teams meeting will surface on the screens of all meeting participants, making the chat more central to the conversation.

Speaker attribution for live captions and transcripts—While Teams already provides live captions as a way to follow along with what is being said in a meeting, soon we will add speaker attribution to captions so that everyone knows who is speaking. Live transcripts, coming later this year, provide another way to follow along with what has been said and who said it. After a meeting, the transcript file is automatically saved in a tab as a part of the meeting.

Interactive meetings for 1,000 participants and overflow—There are times when it’s important to bring large groups together for meetings or classes. For more interactive meetings—where attendees can chat, unmute to talk, and turn on their videos for real-time collaboration—Teams meetings are growing to support up to 1,000 participants. When you want to bring more people together to watch a presentation or discussion, Teams can support a view-only meeting experience for up to 20,000 participants.

Microsoft Whiteboard updates—Visual collaboration tools can make meetings and teaching environments more effective and inclusive. Whiteboard in Teams will soon be updated with new features including faster load times, sticky notes, text, and drag and drop capabilities. These features enable team members who don’t have access to a touchscreen or Surface Hub to participate in whiteboarding sessions during Teams meetings.

Streamline your work and save time 

Tasks app –The Tasks app in Teams, rolling out this month, provides a new unified view of tasks from across Microsoft To Do, Planner, and Outlook. Smart lists like “Assigned to me” bring tasks together across different shared plans, whether you’re on desktop, web, or mobile. Add Tasks as a tab in a channel and get your familiar Planner tab experience with the new list view.


Suggested replies—Get your message across with just one tap! Suggested replies in Teams chat uses assistive AI to create short responses based on the context of the previous message. So, the next time someone asks you “Do you have time to meet today?” you can respond “I sure do!” without even pulling up your keyboard. This feature will be rolling out this month.


Cortana in Teams—Coming soon to the Teams mobile app, Cortana uses AI and the Microsoft Graph to provide voice assistance in Teams. To stay connected to your team even when you have your hands full, you can ask Cortana to make a call, join a meeting, send chat messages, share files, and more. These voice assistance experiences are delivered using Cortana enterprise-grade services that meet Microsoft 365 privacy, security, and compliance commitments. Cortana will be available in the Teams mobile app on iOS and Android in the coming weeks for Microsoft 365 Enterprise users in the U.S. in English.

Microsoft Teams displays—Organizations need to enable their employees to set up more effective home office spaces while also preparing some to return to the office. To help, we’re introducing new Microsoft Teams display, a new category of all-in-one dedicated Teams devices that feature an ambient touchscreen and a hands-free experience powered by Cortana. With natural language, users can ask Cortana to join and present in meetings, dictate replies to a Teams chat, and more. These devices seamlessly integrate with your PC, providing easy access to Teams chat, meetings, calling, calendar, and files. And with a camera shutter and microphone mute switch, your conversations stay private. The Lenovo ThinkSmart View will be the first Microsoft Teams display to market, and Yealink will deliver one of the first devices in this category too. Microsoft Teams displays with Cortana will be available in the U.S. starting later this year.

Touchless meeting experiences—As some people begin to return to their worksites, touchless meeting experiences in shared spaces are more relevant than ever. Today, Teams enables people to join meetings and share content to meeting room devices from their own mobile device or PC. Later this year, we’ll enable these capabilities on Surface Hub as well. We’re building on these capabilities with a new room remote in the Teams mobile app, which will provide additional meeting controlssuch as the ability to leave the meeting, mute and unmute the room, adjust audio volume, and turn cameras on and off. Beginning later this year, voice assistance will be enabled for Microsoft Teams Room devices, allowing in-room participants to ask Cortana to join and leave a meeting, add a participant from the address book to a meeting using their name or phone number, and more. We’re also introducing the ability to wirelessly cast to any Teams Room, collaboration bar, or Surface Hub device, enabling seamless ad-hoc in-person collaboration for people in a shared space.

Unless otherwise specified, all of these features will roll out later this year. And they all reflect our vision for the future of work: where everyone is able to contribute and do their best work; where they can move fluidly between experiences, apps, and devices; where AI lends a helping hand to streamline tasks, provide short cuts, and save you time; and where technology contributes to wellbeing and doesn’t detract from it. From the kickoff call to the project’s launch—and all points in-between—Teams is the place where people come together to get work done. Working alongside our customers, we’ll continue reimagining the future of work and delivering technologies that put people at the center of every experience.

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Africa Region

Ensuring Secure Collaboration Is Key To Digital Learning

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By Angela Nganga

Microsoft Education Lead

North, West, East & Southern Africa, Levant & Pakistan countries

Education is the most powerful weapon which you can use to change the world, quoted South African activist and former president Nelson Mandela. Investment in education is one of the biggest investments any country can make for its current and future generation. Currently, around 420 million people across the world would be lifted out of poverty with secondary education consequently improving the quality of life globally by more than half.

Today, as more and more people across the African continent are required to stay home due to government lockdown interventions, we are seeing a massive shift towards remote learning. This has meant the growth in the usage of collaborative tools such as Microsoft’s Teams to create virtual classrooms wherein educators can communicate with their students in real-time.

In the Middle East and Africa Emerging markets alone, over 1.5 Million students and teachers are leveraging Microsoft Teams as the remote learning platform during this period.

Through such platforms, educators can connect with and support students in much the same way they could in person with live meetings wherein they are able to show video, share presentations, and even invite external speakers for virtual field trips.

But, as students and educators move online, naturally there is an increase in the risks to security and safety. 

As we adjust to the new normal and governments take the much needed next steps towards safely re-opening the economies and adopting possible return to school strategies, blended learning will play a key role in ensuring that some of the non – essential aspects of learning that do not require face to face interaction are enabled while ensuring the online safety and security of students.

Educational institutions, therefore, need to take steps to ensure that digital learning environments are safe by setting up concrete policies and restrictions when using these tools to guard students’ safety, while also ensuring that online classrooms remain engaging and giving educators the tools they need to create a focused learning environment.

Restricting access to meetings can safeguard students

There have already been multiple occurrences around the world wherein unauthorised users have gained access to virtual classrooms. 

Just this month alone we’ve seen an online graduation ceremony interrupted with racial slurs by hackers, last month a man gained access to an online class and exposed himself and another online lecture was interrupted by playing audio of inappropriate content.

When educators set up meetings to teach students a link is created which participants can use to enter these meetings. Sharing these links online to reach students can seem like a quick and easy way to communicate with students when and how to enter live meetings but this also opens meetings up to anyone who sees the link.

To ensure the safe meeting of educators and students for learning online, administrators should instead create identities (or profiles) for each student and teacher which requires them to log into the tool to join the meeting. Within Teams administrators can thereafter choose to turn off the ability for anonymous users to join the meeting by changing it within the meeting policies.

Within meetings, educators can also make sure that all students are present in the classroom and there are no unexpected attendees by selecting “show participants” in the meeting controls giving them greater control over who is admitted into the lesson.

Managing the virtual classroom keeps students safely engaged

Educators are often required to manage students in physical classrooms to ensure good behaviour and keep students focused on learning the coursework being taught. This is required when teaching online as well.

Online classrooms introduce a new dynamic for both teachers and students alike making managing disruptions and curbing inappropriate messaging, a task which educators need to perform in new ways. Now, these disturbances can also appear in the form of unauthorised users with disruption often being their main goal.

To manage disruptions while ensuring the safety of students, administrators should limit students’ ability to schedule meetings, initiate private calls, and monitor chat sessions to remove inappropriate messaged in channel meetings. This can be done by restricting meeting roles for students within a meeting.

Educators can control the learning environment further in Teams by creating meetings for classes within specific channels which allows them to disable student-to-student chat if necessary and allows them to track class discussions in context.

Other functionalities such as being able to blur video backgrounds, mute participants, and control who can present during the meeting are key for ensuring safe learning for students with Teams.

A new world of learning

We have entered an unexpected and often challenging time where in just over a month the education landscape has completely transformed. But as we have also seen, technology is a powerful tool that can be used to overcome these challenges and sometimes even improve on functions such as learning. With technology, education can be interactive, engaging, and controlled as long as we ensure digital security to protect students and staff online.

As a way to support educational institutions as they work to do so, Microsoft has created a more in-depth guide to serve as a foundation to their safety plans, and thus help to give teachers, students, and parents’ peace of mind while also making learning more productive.

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Africa Region

How to Raise Funds For Your Startup Despite Coronavirus

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By Damilola Fautino

With the coronavirus pandemic, you would think venture capitalists and angel investors would stop scouting for African startups to invest. This is wrong.

In the past few months, African startups in different sectors have raised significant dollars and more are still coming as the coronavirus lockdown is gradually being eased across Africa.

African startups that recently raised funds

1.) Tomato Jos: Tomato Jos, an agro-processing company focused on the local production of high-quality tomato paste for the African market announced that it had completed a EUR 3.9 million ($4.2m) Series A round.

2.) BusyMed, a South African healthtech startup raised undisclosed funding from LionPride, a Venture Capital Investor. The investment was facilitated by HAVAIC.

3.) 54gene, a Nigerian genomic startup, raised a $15-million investment led by Adjuvant Capital to allow the company to scale operations in support of generating novel insights from human genetics research.

4.) uLesson, a Nigerian-based education technology startup, has announced participation in its seed funding round by Founder Collective, a marquee seed-stage venture capital fund.

5.) Brimore, an Egyptian direct end-to-end distribution Startup has closed $3.5 million pre-Series A round led by Algebra Ventures.

6.) Finnfund invested $1 million in Kasha, a Rwandan-based e-commerce platform improving women’s access to genuine health, hygiene, and self-care products in East Africa.

7.) East Africa Fruits Co., a Tanzanian company addressing food distribution challenges to improve efficiencies in the farm-to-market sector, announced that it closed Series A equity funding totaling $3.1 million.

8.) Flutterwave, an African fintech startup raised a $35 million Series B funding round co-led by Grey Croft & eVentures. The round was joined by  CRE Ventures, FIS, Visa, Green Visor, and Endeavor.

As a founder, you too can raise funds…here is how

There is no doubt that it is difficult to raise funds during this coronavirus pandemic. So far, in the WeeTracker Q1 funding report, 86 deals were announced. They estimate that total funding from these disclosed deals totaled $245.13 million.

Regardless this should not deter you. In fact, it should be a morale booster because even Venture Capitalists are setting up venture funds and raising huge sums to support African startups.

Novastar announced that it closed its Novastar Ventures Africa Fund II at US$108 million to support startups in both East and West Africa.

Harambe Entrepreneur got $1 million from Cisco Systems Inc. and a foundation of South African businessman Jonathan Oppenheimer to support African technology startups and help kick-start the return of venture capital to the continent following the coronavirus outbreak.

Raising funds:

1.) Find tech ways to run your business and do not stop innovating

The new normal is working from home. The question you should ask yourself is how do I run my business despite the coronavirus? The simple answer is technology. Deploy an affordable tech strategy to make your customers know you are still existing.

2.) Apply for funding and join accelerators

There are unlimited funding opportunities out there for African startups. You have to apply for these them. Also, apply to join accelerators.

3.) Disclose your funding needs to your network

If you need funding, reach out to friends and network. They may connect you to an investor especially if you have a solid pitch and scalable product to back up your funding claims.

Damilola Faustino

[email protected]

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