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Why Empowered People Are the Real Cyber Superpower – Not a Liability

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cybersecurity

System-based interventions – such as smart prompts, real-time nudges, and in-the-moment coaching – can slow users down at critical decision points, helping them make safer choices

JOHANNESBURG, South Africa, May 5, 2025/APO Group/ –It’s time to retire the tired narrative that employees are the “weakest link” in cybersecurity. They’re not. They’re simply the most frequently targeted. And that makes sense – if you’re a cybercriminal, why brute-force your way into secure systems when you can just trick a human?

And that is why over-relying on technical controls only goes wrong. So is treating users like liabilities to be controlled, rather than assets to be empowered.

One of the core principles of Human Risk Management (HRM) is not about shifting blame, but about enabling better decisions at every level. It’s a layered, pragmatic strategy that combines technology, culture, and behaviour design to reduce human cyber risk in a sustainable way. And it recognises this critical truth: your people can be your greatest defence – if you equip them well.

The essence of HRM is empowering individuals to make better risk decisions, but it’s even more than that. “With the right combination of tools, culture and security practices, employees become an extension of your security programme, rather than just an increased attack surface,” asserts Anna Collard, SVP Content Strategy & Evangelist at KnowBe4 Africa.

A recent IBM study revealed that more than 90% of all cybersecurity breaches can be traced back to human error (https://apo-opa.co/3GGeSBF) due to employees being successfully exploited through phishing scams, their use of weak passwords or non-optimal handling of sensitive data. Companies have long seen the upward trend in this threat, thanks to numerous studies, and subsequently employees are often judged to be the biggest risk companies need to manage. This perspective, though, is denying businesses the opportunity to develop the best defence they could have: empowered, proactive employees at the frontline; not behind it.

Shield users – but also train them through exposure

Of course, the first thing companies should do is protect and shield employees from real threats. Prevention and detection technologies – email gateway filters, endpoint protection, AI-driven analysis – are essential to keeping malicious content from ever reaching user’s inboxes or devices. But here’s the catch: if users are never exposed to threats, they don’t build the muscle to recognise them when they do get through.

Enter the prevalence effect – a cognitive bias which shows that the less frequently someone sees a threat (like a phishing email), the less likely they are to spot it when it finally appears. It’s a fascinating and slightly counterintuitive insight: in trying to protect users too much, we may be making them more vulnerable.

That’s why simulated phishing campaigns and realistic training scenarios are so critical. They provide safe, controlled exposure to common attack tactics – so people can develop the reflexes, pattern recognition, and critical thinking needed to respond wisely in real situations.

Many of today’s threats don’t just rely on tech vulnerabilities – they exploit human attention. Attackers leverage stress, urgency, and distraction to bypass logic and trigger impulsive actions. Whether it’s phishing, smishing, deepfakes, or voice impersonation scams, the aim is the same: manipulate humans to bypass scrutiny.

That’s why a foundational part of HRM is building what I call digital mindfulness – the ability to pause, observe, and evaluate before acting. This isn’t abstract wellness talk; it’s a practical skill that helps people notice deception tactics in real-time and stay in their system (critical thinking mode) instead of reacting on autopilot. Tools such as systems-based interventions, prompts, nudges or second chance reminders are ways to induce this friction to encourage pausing when and if it matters.

“Every day, employees face a growing wave of sophisticated, AI-powered attacks designed to exploit human vulnerabilities, not just technical ones. As attackers leverage automation, AI and social engineering at scale, traditional training just isn’t effective enough.”

Just as businesses manage technical vulnerabilities, they need to manage human risk – through a blend of policy, technology, culture, ongoing education

Protection requires layered defence

“Just as businesses manage technical vulnerabilities, they need to manage human risk – through a blend of policy, technology, culture, ongoing education, and personalised interventions,” says Collard.

This layered approach extends beyond traditional training. System-based interventions – such as smart prompts, real-time nudges, and in-the-moment coaching – can slow users down at critical decision points, helping them make safer choices. Personalised micro-learning, tailored to an individual’s role, risk profile, and behavioural patterns, adds another important layer of defence.

Crucially, Collard emphasises that zero trust shouldn’t apply only to systems. “We need to adopt the same principle with human behaviour,” she explains. “Never assume awareness. Always verify understanding, and continuously reinforce it.”

To make this concept more accessible, the acronym D.E.E.P., a framework for human-centric defence:

  • Defend: Use technology and policy to block as many threats as possible before they reach the user.
  • Educate: Deliver relevant, continuous training, simulations, and real-time coaching to build awareness and decision-making skills.
  • Empower: Foster a culture where employees feel confident to report incidents without fear of blame or repercussions.
  • Protect: Share threat intelligence transparently, and treat mistakes as learning opportunities, not grounds for shame.

“Fear-based security doesn’t empower people,” she explains. “It reinforces the idea that employees are weak points who need to be kept behind the frontline. But with the right support, they can be active defenders—and even your first line of defence.”

Empowered users are part of your security fabric

When people are trained, supported, and mentally prepared—not just lectured at once a year – they become a dynamic extension of your cybersecurity posture. They’re not hiding behind the firewall; they are part of it.

With attacks growing in scale and sophistication, it’s not enough to rely on software alone. Businesses need a human layer that is just as adaptive, resilient, and alert. That means replacing blame culture with a learning culture. It means seeing people not as the problem, but as part of the solution.

Because the truth is: the best defence isn’t a perfect system. It’s a well-prepared person who knows how to respond when something slips through.

“Human behaviour is beautifully complex,” Collard concludes. “That’s why a layered approach to HRM – integrating training, technology, processes and cognitive readiness – is essential. With the right support, employees can shift from being targets to becoming trusted defenders.”

Distributed by APO Group on behalf of KnowBe4

Energy

U.S.-Africa Energy & Minerals Forum Expands to Critical Minerals and Supply Chain Security

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Africa

This year’s U.S.-Africa Energy & Minerals Forum in Houston signals a strategic shift toward integrated energy and critical minerals investment, strengthening U.S. partnerships across Africa’s resource and industrial value chains

HOUSTON, United States of America, February 26, 2026/APO Group/ –The U.S.-Africa Energy & Minerals Forum (USAEMF) has relaunched with a dedicated focus on critical minerals, marking an important evolution in its role as a platform for U.S.-Africa commercial engagement. Building on its foundation in energy, power and industrial projects, the forum’s expanded scope positions it at the center of investment conversations shaping the future energy economy.

 

Scheduled for July 21–22, 2026, in Houston, Texas, USAEMF comes at a time of surging global demand for copper, cobalt, lithium, manganese and rare earth elements, driven by electrification, battery storage, AI infrastructure and advanced manufacturing. Africa is increasingly critical to securing these materials, highlighting how energy and minerals are now interconnected pillars of industrial growth, geopolitical stability and decarbonization.

The forum’s minerals mandate deepens engagement with African producers – particularly the Democratic Republic of Congo (DRC), home to some of the world’s largest copper and cobalt reserves. Momentum is building through the U.S.–DRC strategic minerals framework and the U.S.-backed Orion Critical Mineral Consortium, a major investment platform supported by the DFC and private partners. The consortium is pursuing a 40% stake in the Mutanda and Kamoto copper-cobalt operations in a $9 billion transaction, securing long-term supply for allied markets while reinforcing cooperation on infrastructure, security and supply-chain governance.

Placing critical minerals at the center while maintaining strong hydrocarbons engagement strengthens U.S.-Africa commercial ties

U.S. financing is also expanding across the region, with the DFC managing a continental portfolio exceeding $13 billion to support mining, processing and transport infrastructure for critical mineral supply chains. Recent commitments include rare earth, graphite and potash projects in Malawi, Mozambique and Gabon; broader investments in Uganda, Tanzania, Zambia and South Africa; and $553 million linked to the development of the Lobito Corridor. The DFC is also a major backer of TechMet, a U.S.-supported investment firm valued at over $1 billion, which is raising up to $200 million to expand copper, cobalt, lithium and rare earth assets and pursue new opportunities across the DRC and Zambia. Together, these initiatives underscore Washington’s push to diversify battery-mineral supply while positioning Africa as a long-term partner in clean energy and industrial value chains.

Houston’s role as host city reflects the alignment between American industrial capacity and African resource development. Long established as a global energy hub, the city is expanding into energy transition technologies, advanced materials, carbon management and industrial innovation. By convening African governments with U.S. private equity, development finance institutions, exporters, insurers and technical service providers, the forum creates a commercial platform capable of converting mineral potential into bankable projects.

“The evolution from USAEF to USAEMF reflects a broader shift toward integrated energy and mineral development,” states Nadine Levin, Portfolio Director at Energy Capital & Power, forum organizers. “Placing critical minerals at the center while maintaining strong hydrocarbons engagement strengthens U.S.-Africa commercial ties and advances projects that deliver long-term shared value.”

While critical minerals define the forum’s strategic expansion, the U.S.’ longstanding role in Africa’s energy sector remains central to the platform’s value proposition. American energy companies continue to advance exploration and development across key upstream markets, support gas monetization in the Gulf of Guinea and revitalize mature production in North Africa. U.S. export credit and development finance are also helping unlock large-scale LNG capacity in Mozambique while supporting optimization and expansion across existing gas infrastructure in West Africa – demonstrating how American capital, engineering expertise and risk-mitigation tools convert resource potential into delivered energy systems.

USAEMF is the leading platform connecting U.S. capital and technical expertise with Africa’s energy and minerals sectors. For more information or to participate at the upcoming forum, please contact sales@energycapitalpower.com

Distributed by APO Group on behalf of Energy Capital & Power.

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Business

Pesalink and Pan-African Payment and Settlement System (PAPSS) Unlock Cross-Border Payments in Local Currencies in Kenya

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Pesalink

The Pesalink–PAPSS partnership will reduce costs, speed up settlements, and help individuals, SMEs and businesses send money more efficiently across borders

NAIROBI, Kenya, February 26, 2026/APO Group/ —

  • Instant 24/7 bank-to-bank transfers across African borders in local currencies.
  • Simpler cross-border payments for individuals, businesses, and SMEs.
  • 80 plus Pesalink network participants now linked to 160 plus PAPSS participating banks.

 

Pesalink, Kenya’s de facto instant payment network, has partnered with the Pan-African Payment and Settlement System (PAPSS) to ease cross-border payment and speed up regional financial integration.

 

The partnership enables instant 24/7 cross-border payments from PAPSS participants into banks and mobile money operators within the Pesalink network in Kenya, all settled in local currencies. This reduces complex correspondent banking requirements and reliance on foreign reserve currencies.

 

Kenyan banks will now be able to offer faster, cheaper cross-border payments

PAPSS, an initiative of the African Export-Import Bank (Afreximbank) in collaboration with the African Union and the AfCFTA Secretariat, enables cross-border payments between African countries. Pesalink is now a Technical Connectivity Provider. It means that 80 plus Kenyan bank, fintech, SACCO and telco participants on the Pesalink network will be connected to 160 plus commercial banks and fintechs on the PAPSS platform.

 

Cross-border payments remain expensive and slow for many African businesses. The 2023 (http://apo-opa.co/4baDSh7) World Bank Remittance Prices report indicates that sending money across African borders incurs on average 7-8% of the total value sent (above the global average of 6–7%). Settlement can also take three to seven business days.

 

The Pesalink–PAPSS partnership will reduce costs, speed up settlements, and help individuals, SMEs and businesses send money more efficiently across borders.

 

Speaking during the partnership signing held at Pesalink offices in Nairobi, PAPSS CEO Mike Ogbalu III said, “For PAPSS to deliver true impact, collaboration with national and private switches like Pesalink is essential. Pesalink is the first switch we’ve piloted for transaction termination in Kenya, and we are already seeing greater adoption by opening more channels for seamless, local-currency cross-border payments across Africa.”

 

Pesalink CEO, Gituku Kirika, said “Kenyan banks will now be able to offer faster, cheaper cross-border payments. They will be helping their customers grow more regional trading relationships and thrive in a more integrated digital economy.”

Distributed by APO Group on behalf of Afreximbank.

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Events

Africa Trade Conference Returns to Cape Town with Esteemed Speakers Driving Africa’s Trade Agenda

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Africa

Second edition convenes global policymakers, business leaders, and innovators to accelerate Africa’s integration into global trade

CAPE TOWN, South Africa, February 26, 2026/APO Group/ –Access Bank Plc (www.AccessBankPLC.com) is proud to announce the distinguished line-up of speakers for the second edition of the Africa Trade Conference (ATC 2026), scheduled to take place on March 11, 2026, at the Cape Town International Convention Centre, Cape Town, South Africa. Building on the strong foundation of its inaugural edition, ATC 2026 will convene an exceptional assembly of global and African leaders, policymakers, investors, and business executives committed to shaping the future of trade on the continent.

The Africa Trade Conference has rapidly emerged as a premier platform for advancing dialogue and action around Africa’s evolving role in global commerce. The 2026 edition will feature influential voices from across finance, government, development institutions, and the private sector, who will share insights on unlocking trade opportunities, strengthening intra-African commerce, enabling business expansion, and positioning African enterprises for global competitiveness.

The confirmed speakers represent a powerful cross-section of leaders driving Africa’s economic transformation.

Building on the momentum of its maiden edition, which convened senior decision-makers from 28 countries, the 2026 conference with the theme “Turning Vision into Velocity: Building Africa’s Trade Ecosystem for Real-World Impact”, will have the keynote address delivered by Kennedy Mbekeani, Director General, Southern Africa Region, African Development Bank (AfDB), alongside Kwabena Ayirebi, Managing Director, Banking Operations at the African Export-Import Bank. Their joint keynote will address the evolving financing landscape for African trade and the strategic pathways for unlocking continental prosperity.

The welcome address will be delivered by Roosevelt Ogbonna, CEO/GMD, Access Bank Plc, who will set the tone for discussions centered on trade transformation, financial inclusion, and regional competitiveness, while Tolu Oyekan, Managing Director & Partner at Boston Consulting Group, will deliver insights on “Africa Trade Outlook 2026”, examining emerging macroeconomic trends, supply chain shifts, and growth opportunities across key sectors.  The CEO of Pan-African Payment and Settlement System, Mike Ogbalu, will be engaging the conference participants on the topic, “Building a Connected Africa Through Trade, Payments & Technology”, focusing on how payment interoperability and digital infrastructure can accelerate the African Continental Free Trade Area (AfCFTA) agenda.

The calibre of speakers confirmed for this year’s conference underscores the urgency and opportunity before us

The conference will also host a High-Level Ministerial Panel that features Elizabeth Ofosu-Adjare, the Minister for Trade, Agribusiness & Industry, Ghana; Tiroeaone Ntsima, Minister of Trade and Entrepreneurship, Botswana; Mr. Florian Witt, Divisional Head, International & Corporate Banking Oddo-BHF, Ms. Nathalie Louat – Global Director, International Finance Corporation (IFC), Dr Isaiah Rathumba – Head of Department, Limpopo Economic Development, Environment and Tourism and Mr. Alfred Idialu – Chief Rep Officer, Deutsche Bank among other policymakers shaping trade policy across the continent.

Commenting on the announcement, Roosevelt Ogbonna, Managing Director/Chief Executive Officer of Access Bank Plc, said:
“The Africa Trade Conference reflects our unwavering commitment to advancing Africa’s economic transformation by creating a platform that brings together the leaders, institutions, and ideas shaping the future of trade. The calibre of speakers confirmed for this year’s conference underscores the urgency and opportunity before us. Africa is not only participating in global trade, it is helping to redefine it. Through this convening, we aim to catalyse partnerships, unlock new opportunities for businesses, and accelerate Africa’s integration into global value chains.”

“At Access Bank, we see ourselves not just as financiers, but as connectors of markets, ideas, and opportunities. Our role is to help African businesses move from ambition to impact, from local relevance to global competitiveness.”

With operations in 24 countries globally, including 16 across Africa, Access Bank’s expansive footprint places it in a unique position to facilitate cross-border trade, unlock regional value chains, and simplify the complexities of doing business across markets.

“Our presence across Africa and key global corridors gives us a front-row seat to the realities of trade. It also gives us the responsibility to design solutions that are inclusive, scalable, and future facing. ATC 2026 is part of that commitment, Ogbonna added.

ATC 2026 is expected to catalyze partnerships, enable policy dialogue, and provide actionable strategies for businesses operating within and beyond the continent.

The Access Bank Chief puts it thus, “Africa will not be a spectator in the remaking of global trade. We will be one of its architects. ATC 2026 is where those blueprints will be drawn.”

For more information and registration, please visit https://apo-opa.co/4sdXWF7

Distributed by APO Group on behalf of Access Bank PLC.

 

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