Temmy Samuel
(He/Him)
- Journalist and Content Strategist, Freelance
- Journalist and Financial Writer, BigCapital Intel
Nigeria
As seen in:
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Medium
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Daily financial and business reporting via BigCapital Intel.
Founder of BigCapital Intel | Building Nigeria's next major digital media ecosystem.
Articles by Temmy Samuel
How to Use All OPay Security Features to Protect Your Funds
OPay has tightened its security over the years to give customers' funds maximum protection. There are currently sixteen (16) security layers on the OPay app, and the best part is that you can activate all of them yourself. That means you have no excuse if your funds go missing or an unauthorized transaction shows up on your account. With this level of security in place, you should be completely safe as long as any breach doesn't happen on OPay's side.
How to Request Money on Paga
Paga is one of the few mobile money apps in Nigeria that still retains its "Request Money" feature for users. Many apps, including OPay and PalmPay, discontinued that feature a long time ago. The main reason many financial institutions disabled the feature is that it is no longer relevant in today's digital banking, or that people were using it for fraud. But somehow, Paga is still retaining the feature on its app. This article explains how the “Request Money” feature works in the Paga app.
How to Download Moviebox App on iPhone, Android, PC, and TV
Moviebox app is now available for Android and PC. But the iPhone version is not yet released. If you want to stream Moviebox on iPhone, you will need to do so through official website. Moviebox is a third-party mobile or desktop application that lets users stream or download movies, TV shows, and anime for free without a standard official subscription. There are also these other ones called “Moviebox Pro.” I mean, there are two or more products named “Moviebox Pro” in the streaming industry.
How to Download FCMB Statement of Account on Mobile App
First City Monument Bank (FCMB) is one of the largest commercial banks in Nigeria. If you are one of its customers, you may be looking for how to download your statement of account for one of these reasons: visa and travel applications, loan and credit applications, job, school, and scholarship requirements, KYC and account verification, business purposes, or disputes and tracking down money.
OPay Max, Pro, and Beta: Do these apps really exist? Here's the truth
Max, Pro, and Beta are terms used by fraudsters to describe an advanced version of the OPay app. There is no advanced version of OPay, as the general and latest OPay app is the one available for download on the Google Play Store and Apple App Store. There is also the OPay Business app, which is generally used by the company's agency network, including POS agents and merchants, and anyone who uses an OPay business account.
How the Chowdeck Integration on OPay Works
OPay has integrated Chowdeck into its platform, allowing customers to order food, groceries, and more, and pay seamlessly with their OPay wallet. Chowdeck is Africa's leading on-demand delivery super app, connecting customers to restaurants, supermarkets, pharmacies, and local markets. In this article, I'm going to show exactly how the integration works. Chowdeck-OPAY Integration Login to your OPAY app and tap “More” to view the list of other services the app offers.
Moniepoint Star Level for Pricing Plans Explained
Moniepoint Star is the weekly cashback rewards program for businesses using a Moniepoint POS terminal. On the Moniepoint business banking app, you can see how much you've earned in the “Rewards” page. But the Star Level is used to determine your business efficiency rank, which is based on your total weekly POS transaction value. In other words, the star level is measured by the amount of card withdrawal, deposit, purchase, and transfer you carry out on your POS account per week.
How to Buy and Activate Grey eSIMs for Different Countries
Embedded Subscriber Identity Module (eSIM) is a small reprogrammable digital SIM chip built into a device's motherboard. Sometimes, eSIM is built to work alongside a removable physical SIM card and some phone makers have completely eliminated it in some flagships. Phone makers said that eSIMs help frees up internal hardware space for them to plant larger batteries or better components. In addition, eSIM cannot be physically stolen or removed if the phone is lost.
How to Get Paga Virtual Dollar (USD) Card
Paga USD Card (Trophy Black Design) The virtual version of the United States Dollar (USD) debit card is what Nigerians have been using for decades to complete their online payments and subscriptions such as Spotify, YouTube Premium, Apple Music, AliExpress, Alibaba, Claude, ChatGPT, Starlink, and even Google Play account. Today, I'm going to review the another virtual USD card by Paga technologies that works exactly as expected.
OPAY's Payment Alerts Explained
Currently, there are five (5) different payment alerts on the OPay app. Out of that 5 alerts, 4 of them are only available for use to individual account holder. It's only OPay Business that can use all the 5 alerts at a time. The types of payment alerts includes: Receiving payment alerts on WhatsApp Instant SMS alert Receiving alerts via email Using USSD to check recent payment offline Getting voice announcement for incoming payment.
How to Become a Moniepoint Card Sale Agent
A Moniepoint card sales agent is a business account holder who resells Moniepoint debit cards to earn a profit, while also promoting financial inclusion in the process. You will need a registered Moniepoint business account to become a card sale agent. Commission Earned Earning commission is the major reason people lobby to join the card sales network in the first place.
How to subscribe to different Internet Service Providers (ISPs) on OPay
There are many internet service providers (ISPs) in Nigeria and majority of them's operations featured fixed wireless, fiber-to-the-home (FTTH), satellite, and mobile broadband providers. The popular ones you can ask anyone you see in Nigeria and tell you are those that operate mobile broadband like MTN, Airtel, Glo, and T2 Mobile. The mobile broadband internet service providers' subscriptions can easily be accessed through any bank, fintech, mobile money, and even VTU apps in Nigeria.
Bluesky plans payments to help creators sell and raise money on the network
Bluesky, the American decentralized microblogging social platform, said it's preparing to roll out payments on the social network in the coming months so that users can support creators monetarily on the platform. According to the company, this is its first move in its plans to earn revenue without relying on ads.
Netflix cuts 6% of its workforce months after losing the Warner Bros. bid
Netflix has confirmed to TechCrunch on Wednesday, October 14, 2026 that it'll layoff 6% of its workforce, affecting mostly its legal, product, tech, and human resources (HR) departments. 6% of the company's workforce is estimated to be about 1,000 staffs. The news also came from an internal memo that has already been sent to employees. Netflix has sharpened its layoff's axes before now. Puck News reported on October 9 that Netflix planned to cut about 5% of its workforce.
Wise gets formal SARB approval to operate as Category Two ADLA
Founders of Wise, Kristo Käärmann and Taavet Hinriku. Source: Bloomberg Wise Payments South Africa (Pty) Limited has officially secured a remittance licence in South Africa to continuing its African expansion. The South African Reserve Bank (SARB) formally appointed the financial institution to become an Authorised Dealer in foreign exchange with Limited Authority (ADLA). The company is now listed among the Category Two tier of the country's exchange control system.
Crypto Better SIM Details in India and Bangladesh
Crypto Better SIM Details is mostly classified as a SIM ownership verification in India, Badglasdesh, and other territories that are near them. But in real world, there's no concept or terms known as Crypto Better SIM Details. A similar term that's real is the concept known as Crypto Better SIM, otherwise known as Blockchain SIM Card. There's another term knowns as CryptoBatter.
Siri can now learn your preferred music app, and it's now working on Spotify
Spotify and Apple have now made it easy for customers using iPhone 15 Pro or later running iOS 27 to command Siri to play song or other content on the streaming app without saying “on Spotify.” For instant, the update eliminates the need to say “play me Patient Zero by Taylor Swift on Spotify.” Now, you can just save yourself the stress simply by just saying whatever you want to hear, and Spotify will play the content. In fact, it can be a specific song, an album, a podcast, or an audiobook.
Zelensky says Trump's energy ceasefire news surprised him
US President Donald Trump announced on his on Truth Social on Sunday, October 11, 2026, that both Russia and Ukraine have agreed to an energy ceasefire and would stop attacking each other’s energy facilities. But Ukrainian President Volodymyr Zelensky told Axios that Trump's claim was news to him. Trump wrote that an energy ceasefire takes effect immediately and that both sides have agreed. He also warned them not to break it.
Yandex shuts down third data centre after drone attacks
Drone attacks have forced two data centres run by Russian technology and AI company Yandex out of service. The latest attack happened on the data centre in Vladimir area where the Russian's version of Google said the damages have lead to the complete shutdown of the region's data centre. The Vladimir region attack is the third major Yandex facility knocked out in a few days. The first two strikes hit within two days of each other and disrupted services well beyond the company itself.
Microsoft CEO Satya Nadella calls for an emergency brake on AI models
Microsoft CEO Satya Nadella is the newest bigtech executive who has urged the tech industry to reevaluate the method in which advanced AI system safeties are managed, controlled, and improved. Nadella shared a long post on his X page that every powerful AI model should be assessed for “trust architecture” and come with a way to stop it instantly if its poses risks.
Cloudflare acquires Deno, the runtime co-founded by Node.js creator
Cloudflare just acquired and integrated Deno, the platform that runs the JavaScript and TypeScript runtime, into its platform to enhance its Workers programming model. The transaction details of the deal is not disclose but when the integration is fully deployed, customers will be able to build and run their own software on Cloudflare’s network. Deno was started by Ryan Dahl and Bert Belder. Dahl is the engineer who originally built Node.js.
Robotics firms pay people to record routine tasks that train robots
Mecka AI just raised $60M from Sequoia Capital. In fact, XDOF was in talks to raise a Series B round at a $1.2 billion valuation. But it was all for one purpose, to build data-labeling platforms that collect real-world data for robot training. These robotics companies are paying people to video record themselves performing tasks like fixing cars, folding laundry, or cleaning the house.
Buy Now Pay Later phones in Nigeria: brands you can buy on BNPL
You can different brands of phones on Buy Now Pay Later (BNPL). financing model in Nigeria. But there are some certain phones you cannot buy using that model. In this article, I'm going to walk you through the list of phone brands you can purchase on BNPL and the ones you cannot. Meanwhile, it's worth noting that phone brands or phone makers don't decide whether their devices are offered on BNPL to consumers.
DoorDash joins Uber Eats and Grubhub in adding AI to food ordering
DoorDash's text-to-order AI agent is an extension of Ask DoorDash AI assistant that help users to find exactly what they want to order in the food delivery app. The new implemented AI agent, however, allows users to place orders via the Apple Messages app. AI has become central to how food delivery companies compete. They are using it to speed up ordering and cut logistics costs, and to make each customer's experience feel more personal.
How to set up OpenAI Dots and its best alternatives
OpenAI Dot is an always-on personal agentic assistant in ChatGPT that has remarkable capable to handle everything, especially working across the apps you have connected and keep making progress between ongoing work. Built-on and powered by GPT-6 Astra, Dot has it own cloud computer just like the Chinese-founded Manus AI. Meanwhile, don't get it twisted with Codex. Codex is also a ChatGPT agent built to write code, organize files, and execute multi-step tasks on your computer.
How to pay tolls with Mobile Money on the Kampala-Entebbe Expressway
Motorists can now pay for tolls on the Kampala-Entebbe Expressway using MTN MoMo. MTN Uganda just launched that service in partnership with the country’s Ministry of Works and Transport and the company managing the Kampala-Entebbe Expressway. This payment service, which was designed to speed up the toll experience as traffic on the expressway keeps growing, is now available and live at the Kajjansi, Busega, and Mpala Toll Plazas.
How to buy Dangote Refinery IPO shares at a Moniepoint PoS terminal
Dangote Refinery IPO shares can now also be bought through Moniepoint's POS terminals across Nigeria. According to the IPO's official website, SEC-approved receiving agents and electronic application channels can offer investors one or more of several ways to subscribe, including mobile apps, websites, POS terminals, USSD, bank branches, and ATMs. The IPO started on September 14 and will close on October 13, 2026.
How to get early access to Meta's new Muse AI features
Meta has opened a beta-test access program to new Muse features, calling on interested users to participate. This article we guide you on how to access the feature as an early user. This week, Meta announced at its Connect 2026 developer conference that it'll be launching some features on Muse AI app.
How Nigerian businesses can use Google's AI Max to track ad spend better
Google has just rolled out a new AI-powered advertising feature called "AI Max for Search" to businesses in Nigeria, giving them the opportunity to better track the performance of their online adverts and manage their campaigns. Google's AI Max for Search Campaigns is changing the pattern these businesses have used to run Google Search ads for years.
How to Buy Dangote Refinery IPO Shares via WhatsApp on NGX Invest
For the past few weeks, the Dangote Refinery IPO has been buzzing around the internet, and the companies eligible to sell the shares to the public are exploring different ways to make subscription easier for ordinary Nigerians. The latest development comes from one of the approved financial institutions. The Nigerian Exchange Group (NGX) is now making it possible to buy Dangote Refinery IPO shares through WhatsApp, using its NGX Invest platform. Public offers on WhatsApp. Here’s how it works.
Dangote Refinery IPO: Banks, Fintechs, and Mobile Money Apps to Buy Shares
The Dangote Refinery official website regularly update the list of approved financial institutions that are eligible to sell the IPO Shares to the public. As at the time of publishing this article, there are currently 56 approved banks, fintech companies, mobile money operators, and investment platforms. The Dangote Refinery IPO is scheduled to close on October 13, 2026. It opened on September 14, so the window runs about a month.
How to Buy Shares in the Dangote Refinery IPO
The Dangote Refinery IPO closes on 13 October 2026, meaning you still have a roughly one-month window to subscribe to the African wealthiest man's company. In this article, I'm going to walk you through how to invest in the shares on the Paga app.
Nigeria's Central Bank cuts Monetary Policy Rate (MPR) by 350 basis points to 23%
The Nigerian apex bank, the Central Bank of Nigeria (CBN), announced today during its 307th Monetary Policy Committee (MPC) meeting in the FCT, that it has cut the Monetary Policy Rate (MPR) by 350 basis points to 23% from 26.5%. In addition to that, the CBN also adjusted the Standing Facilities Corridor (SFC) and leave the existing Cash Reserve Requirement (CRR) levels for Deposit Money Banks, Merchant Banks and non-TSA public sector deposits unchanged.
Anthropic and OpenAI ask Australia to ease copyright ban
OpenAI and Anthropic have asked the Australian government to soften its stance on AI copyright rules, arguing that a narrow exemption would let them train models on Australian creative content while still protecting artists. The request came in submissions to a parliamentary inquiry examining how Australia should regulate artificial intelligence. Australia plans to roll out a broad package of AI and data centre regulations starting next year.
Inside Alibaba's push to out-build Nvidia in AI
Alibaba is now telling the market it is not playing catch-up in the AI game anymore. At its Apsara Cloud conference in Hangzhou on Tuesday, the company unveiled a new AI chip Zhenwu V900, it's calling China's most powerful AI chip. The company also laid out plans for a model up to four times the size of its current flagship, and committed to more than tripling its global data center footprint by 2032.
How to check SIM ownership details in India and Bangladesh
SIM ownership information is the personal data a mobile network has linked to your phone number. For example, when you register a SIM card with Airtel, you are required to give particulars like your name, date of birth, address, and a valid ID. These details are stored in the database of the telecom company and used for purposes such as determining the real owner of a number and also to prevent crime and fraud and national security laws.
Airtel Money downsizes its London IPO by 60% due to investors' pushback
Airtel Money, the fintech and mobile money business of Airtel Africa PLC, is planning to downsize its London Stock Exchange (LSE) initial public offering (IPO) to about $800 million because of its investors that pushes back on the initial proposed valuation. The IPO has been scaled back to $800 million from an initial target of $1.5 billion to $2 billion, that is a cut of about 46.7% to 60%.
How to Login to OPay Aggregator Dashboard
An OPay aggregator can be referred to as a middle man between the company and street-level OPay POS agents. Aggregators are the super agents who market and distribute OPay products including the physical card card, banners, and the payment terminals to the OPay POS agents that operate on a daily basis in your community. In many cases, OPay aggregators are the ones that register OPay agents and assign them a POS machines.
du and Nokia launch world's first six-carrier aggregation on 5G-Advanced network
Leading telecom operator in the United Arab Emirates (UAE), du, has announced the launch of world’s first six-carrier aggregation configuration on a commercial 5G-Advanced network. In partnership with Nokia, du combined the six 5G New Radio (NR) carriers to reach 420 MHz of spectrum bandwidth. The telecom says this is the first time such connectivity has been done on a live 5G-Advanced network anywhere in the world.
Chinese-founded Manus to raise $500 million at a $4 billion valuation
Chinese-founded autonomous general-purpose artificial intelligence (AI) startup Manus is negotiating to raise $500 million at a $4 billion valuation, following its return to independent operations. The company, which was forced to walk away from its acquisition deal with Meta earlier this year, is now operating independently again. The company said its founding team will continue to lead it.
Spotify's partner program for podcasts expands to 35+ countries
Spotify, a digital audio streaming and media services provider that gives listeners instant access to millions of songs, podcasts, and audiobooks, has expanded its partner program for podcasts to new more markets, including Poland, Italy, the Bahamas, Chile, Colombia, Spain, Brazil, and the Dominican Republic. This means that podcasters in these markets will now be able to monetise their podcasts on the platform and earn revenue through ad and premium revenue sharing.
Amazon expands Alexa+ to India with full Hindi language integration
Amazon has launched Alexa+ to the Indians and makes the conversational/chat assistant available in English, Hindi, and "Hinglish" languages support. The service began Early Access from Wednesday, with more Indian languages promised in the future. The AI assistant can stay on conversations for as long as user wants and maintain context while doing so.
Does OPAY Work in Ghana? Everything You Should Know
To answer this question, we have to rephrase the question so that you can get a better understanding of this article. The question has been rephrased to three questions, and I'm going to answer them one after the other so that you can get clear on the explanation I explain in this article. So, without much ado, let's get into the explanation. Is OPAY operating in Ghana? No, OPay is currently not operating in Ghana.
How to permanently delete a Moniepoint account
Many account holders have different reasons for permanently deleting their bank accounts. Personally, I would delete my account if the details linked to it (like my email and phone number) were compromised and there was no way to recover them or transfer the account to new details. Others delete their bank accounts simply to keep their financial records away from a particular fintech company.
Moniepoint Bank Statement: Everything You Should Know
Moniepoint Bank statement is an official document that comprises a statement of account which lists all transactions you have executed over a specific period. The Moniepoint account statement is categorized into four: Standard Statement: This is a type of Moniepoint statement that shows a summary of your account activity. Extended Statement: This shows more detailed information about your account activity including data like charges, commission, source and destination information.
Who owns Brex?
Brex is an American financial technology (fintech) company that offers corporate credit cards and cash management accounts. The company also offers automated spend management software platform to startup technology companies. Currently, the ownership of Brex has been officially transferred to Capital One, which completed the acquisition of the fintech company on April 7, 2026, in a cash-and-stock deal valued at $5.15 billion.
Payment gateways that accept Flutterwave in the United States
Flutterwave is a financial technology company that provides payment infrastructure and digital payment gateways for businesses, entrepreneurs, and global merchants. Although the company is technically headquartered in San Francisco, its operations, product offerings, and user base look very different in the US compared to Nigeria. The company works in two different ways in the US. It offers payment integrations for merchant payment gateways and e-commerce platform integrations.
How to use Gemini Offline on the Google Pixel Watch 5
Okay, the thing is you can literally use Gemini offline on the Google Pixel Watch 5 for basic device actions by updating to the September 2026 software build and ensuring your Gemini app is on version 1.36 or later. In fact, the Pixel Watch 5 has proven itself to be an amazing device that can track your health metrics.
Who Is Eligible For Trump Accounts in 2026
If you're looking to create a Trump account for your kid, this article will walk you through everything you need to know about the account, including the eligibility requirements and procedures involved in opening the account. The Trump account is a new investment savings account made specifically for children under the age of 18, and it's designed for a long‑term retirement savings plan.
Pixxel becomes India's largest-funded spacetech startup after $100M Series C
Bengaluru-based Earth observation company Pixxel has closed a $100 million Series C funding round that makes the company India's largest-funded spacetech startup in history. Co-led by Singapore state investor Temasek and UK-based Seraphim Space, the $100 million single-largest funding round brings Pixxel's total funding to $195 million. New investors, including 360 ONE Asset and IMM, and existing backers Radical Ventures and growX Ventures, participated in the funding round.
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