Tag: Microsoft

  • Be Digitally hack-proof

    Be Digitally hack-proof

    Why do people hack systems? Hacking is a technique used to compromise any digital device. Hackers want to get into your device to use your data for varied reasons – naturally, most of these motives are financially driven.

    A data breach is usually what leads to a hack. There is a difference even though both terms are used interchangeably.

    A data breach happens when data that is left vulnerable in an unsecured environment gets viewed by someone who shouldn’t have access to it.

    While hacks are the result of malicious behavior, breaches happen as a result of negligence, human error, or other non-malicious behavior that creates a security vulnerability.

    Hackers may access your device just to say they could or for financial gain, to protest, or to gather sensitive information.

    So what makes a hacker?

    In the past, a hacker may have been a whiz kid or specialized programmer but in the modern-day, hacking has become easier and more people are becoming hackers. As more people shop online and use computers for everyday tasks, they become the prey of hackers worldwide.

    Actual hacking is technical in nature – the hacker does not communicate with the person whose PC they are hacking into.

    But they can also use psychology to trick the user into clicking on a malicious attachment or providing personal data. These tactics are referred to as social engineering.

    Your cellphone too can be hacked

    While most associate hacking with Windows computers, the Android operating system also offers an inviting target for hackers. That means millions of people who use Samsung phones can be hacked.

    Some fifty years ago, there was a name for hackers who obsessively explored low-tech methods for getting around the secure telecommunication networks and expensive long-distance calls. they were called phreaks.

    This was a portmanteau of the words phone and freaks. They were a defined subculture in the 1970s, and their activity was called phreaking.

    Phreakers have now evolved out of the ‘analog technology era’ to become hackers in the digital world. They are beyond a sub-culture and have become a genuine threat to the safety of our information and data.

    Mobile phone hackers currently use a variety of methods to access your mobile phone and can intercept phone calls, voicemails, text messages, and even the phone’s microphone and camera, all without your permission or even knowledge.

    iPhones are not safe either

    In 2020, many journalists working for Al Jazeera were victims of a sophisticated zero-click spyware attack.

    The Toronto-based internet watchdog group Citizen Lab was asked to look into the attacks, which took place in July and August, and they released their findings at the end of December.

    The report found that 36 journalists, producers, anchors, and executives had their iPhones compromised by Pegasus spyware. The spyware, developed and sold by an Israeli-based firm called NSO Group, targets security vulnerabilities in the iMessage app.

    The so-called “zero-click” exploit deploys without any user interaction. Once installed, it can record ambient sound and phone conversations, take pictures, and access user credentials. It sounds like science fiction but it’s very much real!

    Types of hacks

    Malware

    People can use hardware to sneak malware into your PC. In offices, hackers will infiltrate networks by giving staff members infected USB sticks, dodgy USB cables, and mouse chords.

    It is crucial to always think before plugging anything into your work or personal device with access to confidential data.

    Educate your staff about being careful before plugging anything into their PCs.

    Malware infections generally occur when users interact with dangerous code by clicking on a URL or downloading malicious software disguised as an authentic program. But zero-click spyware penetrates devices without any user interaction.

    Citizen recommends making sure that your mobile OS is updated to the latest version. Identified vulnerabilities in previous versions of iOS were patched in the iOS 14 update.

    Practicing good digital hygiene is always important for the security of your mobile devices.

    Use sites like haveibeenpwned.com and breachalarm.com to see if your email credentials have been compromised. Use strong passwords on any apps that contain sensitive data and delete any apps that you do not regularly use.

    Missing security patches

    Always remember to update your security tools. Too many people ignore update notifications or security patches, leaving themselves vulnerable. It’s not just antivirus software that needs patching.

    Tell your staff to ensure that all their antivirus and applications are routinely updated as security patches become available. This task is usually the job of your IT department if you have one in the first place.

    Getting your password information

    Hackers can obtain your credentials through several means, but commonly they do so through a practice called keystroke logging or keylogging.

    Can you believe that the most common password is “123456”? Hopefully, yours isn’t so, or any of the most hacked passwords in the last 10 years.

    Through a social engineering attack, you could accidentally download software that records your keystrokes, saving your usernames and passwords as you enter them.

    This and other forms of spyware are malware that tracks your activity until a hacker has what they need to break into your system.

    Attackers can deploy malware on a user’s machine if they are in your environment and capture your credentials via keylogging too.

    Hackers also use password cracking programs that can run letter and character combinations, guessing passwords in a matter of minutes, or even seconds.

    To get around this, use a password management tool that securely houses your company’s credentials. These tools can often auto-generate lengthy, diverse character passwords that are difficult for hackers to guess. They can also autofill for your employees for easy access to their tools.

    Encryption and multi-factor authentication methods also offer more layers of protection.

    Distributed Denial-of-Service (DDoS)

    Acunetix

    This technique involves taking down a website so that a user cannot access it or deliver their service. DoS attacks take place when hackers inundate a target’s server with large influxes of traffic. The amount is so frequent and high that it overloads the server by giving it more requests than it can handle. This crashes your server and your company’s website.

    Larger businesses can get hit by a Distributed Denial of Service (DDoS) attack, which is a synchronized attack on more than one server or website, potentially taking down numerous online assets. 

    A good method to fight DDoS attacks is to use cloud protection services to spot them – like Acunetix or Netsparker.

    Social Engineering & Phishing

    This is where hackers try to get your personal information, often by impersonating a legitimate and maybe trusted source.

    Many types of social engineering bait come in the form of phishing emails.

    A hacker sends you a message that looks like it’s from someone you know, asking you to do something, like wire them money, or to click or download an infected attachment to see more. 

    Here is a hilarious example of a phishing Email

    “The top malicious email attachment types are .doc and .dot which make up 37%. The next highest is .exe at 19.5%,” according to a report by Symantec. Always be cautious of opening these types of attachments.

    Warn your employees to never give out private business information over email, to think before opening any attachments, and educate them on mail scams.

    Use email software that scans for phishing. Microsoft 365 and Google’s Business packages come equipped with such. Google’s tech uses AI to scan the content and find things such as spelling errors and dodgy URLs. This enables the system to block them before they even hit your inbox.

    Most people or companies that get hacked or suffer from a data breach do so mainly due to negligence. Many do not prioritize beefing up their security systems before it is too late. Hacks are, however, completely avoidable so don’t fall victim to them.

    Other ways to protect yourself

    • Download a reliable anti-malware product that can both detect and neutralize malware and block connections to malicious phishing websites.
    • Of course, whether you are on Windows, Android, a Mac, an iPhone, or in a business network, you must always use layered protection wherever you can.
    • Only download phone apps from the legitimate marketplaces that police themselves for malware-carrying apps, such as Google Play and the Apple/Amazon Appstore.
    • Check the ratings and reviews first. If it has a low rating and barely any downloads, it might be best to avoid that app.
    • Use long and complex passwords. Don’t use numbers in sequence. You can also use mixes of letters that can be remembered through rhymes.
    • Consider using a password manager.
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  • Technology contained

    Technology contained

    Over the past decade container technology has become a popular method for packaging applications in an effective way. Some developers believe is better than that offered by virtual machines and other technologies.

    Container technology has been embraced by the big cloud computing providers including Microsoft Azure, Amazon Web Services, and Google’s Cloud platform.


    Examples of the actual container software include the Apache Mesos, Docker, rkt (pronounced rocket), and Kubernetes.

    But what is container technology?

    Logically, it gets its name from shipping. Shipping containers standardize how goods are moved around. Goods get placed in steel shipping containers which can be picked up by cranes and fit into ships. They tend to have standard sizes.

    By standardizing the process and keeping the items together, your container can be moved as a unit and it costs less to do it this way.


    In computer terms, container technology is referred to as just a container: a method to package your applications so they can be run, with their dependencies, isolated from other processes.

    Container technology decreases the potential for problems when developers move programs from server to server before the program is in a state where it is saleable.

    When you use container technology to create an application, you can code everything using just one operating system and database. This makes the application quite easy to replicate as resources including memory and the central processing unit (CPU) are shared. This also makes your technology great for scaling and for working within the cloud.

    Out with the old…

    If you don’t use container technology, you can have a situation where a program runs well on one machine but has problems on your server. This common problem occurs when you move a program from a data server to a cloud server.

    Many issues can happen because of variations in machine environments. These include differences between your operating system, secure sockets layer libraries, storage, and network topology.

    So, computer container technology picks up all of your software and related parts which include dependencies, being libraries, binaries, and configuration files. They all get migrated as a unit, avoiding the differences between machines including operating system differences. This will also include underlying hardware that leads to incompatibilities and crashes.

    web scanner

    And, importantly, containers also facilitate the deployment of your software to your server. Advocates of using container technology say it is a much better tech to use than that which preceded it – virtual machines.

    In this case, one physical server would be used for multiple applications through visualization technology. Each virtual machine contains the entire operating system, as well as the application to run.

    The physical server then runs several virtual machines, each with its own operating system, with a single hypervisor emulation layer on top. By running several operating systems simultaneously, you incur a lot of overheads on your server as resources get used.

    …and in with the new

    Container technology allows your server to run a single operating system because each container can share that system.

    The parts of your operating system that are shared are read-only to not interfere with the other containers. Therefore, compared with virtual machines, containers require fewer resources of the server, and are much more efficient.

    You can pack many more containers onto a single server. Each virtual machine may require you to have gigabytes of storage. But each container running a similar program may only need megabytes.

    How do the containers operate?

    Containers are set up in an architecture known as a container cluster. Then, in a container cluster, there is a single cluster master, with the other related containers set as nodes, that are your multiple worker machines. The cluster master schedules the workloads for your nodes, and also to manage their lifecycle, and their upgrades.

    Containers allow programs to be broken down into smaller pieces, which are known as microservices.

    A major advantage of having a program as component microservices is that different teams can work on each of the containers separately as long as the interactions between the different containers are maintained. This facilitates faster software development.

    Containers are also flexible and can be orchestrated. Since the operating system would be already running your server, a container can be started and stopped in just a few seconds.

    Some containers within architecture can be turned on during peak demand, and turned down when not needed.
    The software can control this type of orchestration, and distribute the tasks among the container cluster.

    The way forward with the tech

    But is container technology overrated? Some people are concerned about the security around it.

    Because multiple containers share the same operating system, there are growing concerns that container technology is less secure than virtual machines. If there is a security flaw in your host kernel it will affect your multiple containers.

    Other software is being used to have more secure container technology. The use of isolated containers is, therefore, being constantly improved.

  • The Future Office Worker

    The Future Office Worker

    Aside from essential services personnel, millions of people are now working from home. The Covid-19 pandemic has prompted the growth of products to help the home office worker of today and tomorrow.

    Debunqed breaks down which cloud solutions to pay attention to and which to avoid while you adjust to a changing world of commerce.

    During the pandemic, one video conferencing service has exploded in popularity after years of trying on the wayside. This is the service operated by the NASDAQ-listed American group, Zoom.

    Zoom has become a service of choice especially for companies and staff which may have not used online conferencing before. This popularity has made the service a target and there are concerns around security and privacy issues.

    Before Zoom’s burst in interest, the most popular applications include Google’s Gsuite which offers online conferencing solution Meet, Microsoft 365 which includes competing conferencing solution Teams, and Slack.

    Slack which was formed in 2013 also offers chat services that multiple people can use at once in private groups and persistent chat rooms or channels, which are organized by topic as well as direct messaging.

    Zoom being hacked during quarantine might have made news headlines but it’s not the first time that technology services like these have been infiltrated by the wrong people.

    .

    web scanner

    Slack was hacked back in 2015. The data included email addresses, usernames, hashed passwords, and in some cases, phone numbers, and Skype IDs users had associated with their accounts. As a result, Slack added two-factor authentication to protect data in the future.

    Gsuite is the ‘OG’ of cloud-based business

    How does Gsuite work? G Suite which was founded in 2006 and was formerly known as Google Apps for Work is a suite of web applications created by Google for businesses. It’s still a decent offering 14 years later. A basic G Suite account gives you access to Gmail and 30GB of Google Drive storage per user.

    There are obviously Enterprise-level packages with beefed up security to match that offered by highly secured ‘on-premise‘ setups.

    The suite’s Meet service is a video conferencing app. It is the business-oriented version of Google’s Hangouts platform and is suitable for businesses of all sizes. The solution enables users to make video calls with up to 30 users per high-definition video meeting.

    Compared to other software, and due to familiarity and affiliation to Android Smartphones, G Suite is quick and easy to set up and use from the time you subscribe to it. It literally takes up to 15mins to start receiving emails and make video-calls!

    Still in the game

    Microsoft offers 365 which includes Teams. Teams is quickly becoming Zoom’s big competition. Several companies are using Teams for internal meetings and Zoom for external meetings. Microsoft gains its competitive edge from is strong data protection, GDPR, and comprehensive security measures. But others are slowly and sometimes painfully also having to jack theirs up.

    The crucial factor to Teams is that it is part of the Office 365 ecosystem. In this way, it can collaborate with different services offered by Office 365. Users gain access to several functions separated into four categories:

    MS Proplus

    Firstly, they have access to the main Teams application which lets them find and create channels to hold “on-the-spot meetings, have conversations and share files”. Secondly, they have access to a function called Meetings. You can plan, schedule, and track meetings.  This calendar syncs with Outlook, as an example of the deep Office 365 integration.

    Thirdly users have access to calls which includes VoIP calling as well as fourth, they have access to the Activity application. This application lets one access @mentions, unread messages, and replies.

    Other secure apps

    Then we have Signal, a very new addition to the saturated video calling and voice messaging application world. The non-profit organization, the Signal Foundation launched a stable version of Signal last month.

    Signal is a cross-platform encrypted messaging service. It’s an impressive entrant and it’s opensource too.

    It uses the Internet to send one-to-one and group messages. These may include text and audio files, voice notes, images and videos.

    It is also available through a mobile application that can also make one-to-one voice and video calls. We expect the Android version to become well-loved soon. It can operate as a replacement for the SMS app.

    Signal’s emphasis on messages being protected and voice and video calls being stable because of the push by hackers to infiltrate the plethora of online messaging and video applications coming online over the past few months since Covid-19 broke out.

    This will become more and more important in 2020 and beyond as working from home becomes more common.

    The German government has encouraged people to work from home offices beyond the Covid-19 pandemic. This call is gaining impetus after the country saw a rise in Covid-19 infections after it started to ease it is locked in marked ways.

    With so much choice around cloud-based solutions, it’s best to try a few for yourself and see what works for you. But don’t waste too much time. Many of them are free and you’d really want to just get on with whatever your business is.

    A key is to use strong passwords which you change regularly as well as other measures to protect yourself from hackers.

    Read more about how to make your online accounts safer.

    Find out more about online office collaboration tools on our resources page

  • The startup tech kit

    The startup tech kit

    New business? You’re going to need some basic software!

    In this modern-day and age, it may seem that small businesses do not require a plethora of technological tools in order to succeed, but it’s worth investigating which technologies can give you an edge. This is especially crucial if you are not offering a niche product or service and have to compete with an army of existing players in your industry.

    Accounting, CRM, marketing, analytics, taxation and other useful software may have just levelled the playing field between small and big businesses. The challenge is to choose the right one to help you grow quickly at the least expense.

    You will, nevertheless, if you are even to make a first impression, need some basic software regardless of your trade.

     HERE IS WHAT YOU WILL NEED 

    Almost everybody needs some kind of online presence. You’re a business and while social media is helpful (more on that later), a website is where you will be found by prospective clients or business partners. You can build one easily these days via a paid content manager provider such as WordPress or Wix.

    They will even provide and host your domain if you don’t have one.

    If you do not, however, have the time nor the energy to create one yourself, there are cost-effective alternatives such as outsourcing the building to a web-designer. They can do it remotely and the safest way  would be through a regulated marketplace such as Fiverr* or Upwork.

    *Debunqed can recommend a designer known as aceholder on Fiverr.

    Email

    You need to be contactable. In the old days, you got away with Yahoo or Google email but now you need an email service that can host a domain. The free emails are also not secure and subjected to heaps of spam.

    Email hosting is a service in which your email messages and associated files are all stored on a server. When you receive an email to your website’s domain address, that email is routed across the Internet and stored on the recipient server.

    A hosting service stores the files that make up a website on a data server which then uploads them directly to the web.

    This gives you an Internet connection and way for your customers to access the site through a domain name.

    Web hosting services often come with a slew of options for designing sites. These include the one-click installation of supported applications such as a service mailbox.  Wix partners with Microsoft’s Office 365 for mail hosting whilst WordPress works seamlessly with Gmail/GSuite.

    Task Management System/ Job Manager

    Being organised from the beginning isn’t a good idea; it’s a great idea! Get yourself a system which tracks your sales and logs the deliverables that each employee completes.

    There are an array of CRM solutions focusing on different tasks from customer services or sales to project management and full-on finance and back office (ERP) operations (more on this later).

    The key is to start small many of these offer trials but also some even offer a free package naturally with limited functionality. Figure out which tasks are important in order to choose the right package to handle your scheduling, sales and tasks. A simple calendar/scheduler via MS Outlook and Office 365 (Microsoft Bookings) can be a good place to start for a paid but fully functional service.

    Payroll and Accounting Systems

    You need to keep accurate books and not to rip off your employees. You’re a start-up; play the numbers by the books. And a word of caution: don’t ever cook the books!

    There is a huge choice of accounting (and back office) systems to choose from. The big names are probably out of reach so like a CRM system, you might want to shop around and start with smaller but a reputable brand like Quickbooks.

    But if you go for an Office 365 solution, you might as well look into something like Dynamics 365. One of their entry-level finance packages (Business Central) has all the ‘bells and whistles’ for a Startup to help get your books up to date for the taxman/audit.

    You also need to monitor your payroll – this service can be added by upgrading to a bigger package under Microsoft Dynamics family. You could also shop around for payroll software if you are on a tight budget.

    Project management and support logging system

    Once you build up a workable database of existing and potential clients, you will require some kind of logging system to handle customer queries.

    This will help you keep tags of what customers are having issues with. If they are repeated issues, then you know there is a recurring problem with your operations or an aspect of your business.

    A good ticketing system will allow you to keep a knowledge base with instructions to help your staff with how to deal with recurring issues quickly.

    Shopping cart software

    If your products are sold online or does not come from a physical store, this is the mandatory software that enables you sell goods online. It is designed to quickly process debit and credit cards transactions but also allows your customers to use their PayPal and other payment methods – even Cryptocurrency.

    A good shopping cart package also does inventory management, calculates packaging costs, shipping costs and taxes.

    Security and Anti-Virus software

    Always protect your Internet connection and your sensitive data against viruses, spyware, malware, worms and Trojans.

    Most of the packages mentioned before come with in-built security measures such as sign-in authentication.

    But these are not enough and you will need to source software to prevent a hack if you are dealing with extra sensitive data like patents, medical and financial records/accounts.  Read our feature on Online Threats for more on this.

    Cloud storage

    This is a place where you can store large files as well askeep backups of files. Hardware can break. You could drop your 2-terabyte portable flash drive but at least your work will be safe in the cloud. 

    Once in the cloud, things can get disorganised (many files and folders) and sorting them can become a pain. The top file storage providers include, Microsoft’s SharePoint Online and OneDrive; Google’s Drive, Amazon’s S- series and Dropbox.   

    There are some really great add-ons like a Digital Asset Management (DAM) tool for those dealing daily with tons of documents and images by Pic.io. This software works specifically with GoogleDrive.

    Social media

    We have by now affirmed that you need a CRM system. With many choices of companies to buy products from for example,  treating individual customers’ needs is very important.

    A good CRM system will help you reach out to your customers where ever they are – online or offline. This is known as Social Engagement.

    That, coupled with a powerful Business Intelligence tool, can help you leapfrog over your competitors with useful insights such as peak traffic times on your website, purchase habits and other characteristics of your client that will help you accurately predict potential revenues.

    Find the best CRM platform that allows for social engagement, then set up whatever social network accounts that suit your business.

    Webinar services

    Remember you are doing business with groups from around the world.

    Online communication tools, therefore, enable you conduct presentations and meetings over the Internet. This saves time and money associated with travelling costs whilst giving you access to markets outside your area, city or country.

    Some of the most popular/effective communication tools includes those included in the Microsoft (Skype and Teams) and Google (Hangouts & Voice) bundles. There are also free standalones like Zoom.

    Depending on your frequency of calls and audience size needs you can stick with the free version and then scale up to a paid subscription later.  You can also run training sessions and product demonstrations and even replace your whole phone system with them. 

    Online Surveys and other Marketing Tools

    Marketing is is the lifeblood of a company. It’s a key sales-driver and if you aren’t selling, you’re going out of business! Conduct market research using online tools such as SurveyMonkey and collect emails through opt-in forms. These valuable insights can be used  in targeted email marketing campaigns.

    The most advanced and widely recognised mail marketing tool is Mailchimp. It starts with a free version with 7 marketing channels and goes up to $299 per month for large companies with 200000-plus contacts. Most bundled Office solutions will allow you to add Mailchimp as a plug-in to your existing mailbox.

    Conclusion

    Technology constantly changes and it’s hard to keep up – so don’t. Get the basics right first and add technological services and tools as you grow. Rather understand what each button does first before you spend money on a whole super system.

  • A decentralised solution

    A decentralised solution

    Did you know that there are still more than 700 million people in the world who live in extreme poverty? These people must scrimp, starve, and struggle to survive off less than $1.90 per day.

    By 2030, the World Bank estimates that more than 90 percent of those people will be concentrated in Sub-Saharan Africa.

    This is perhaps one of the greatest developmental failures of the modern world. Despite the continent’s expansive natural resources and increasing connectivity, foreign actors still feel it’s too risky to heavily invest in their markets.

    Blockchain could be the key! 

    Bitcoin and “Blockchain” were created in the mass wave of distrust in banks after the 2008 financial crisis. Therefore, the technology enables individual, distributed data storage that could become the perfect evidence (trust) base and financial infrastructure for a developing country.

    With the right implementation, Blockchain holds the potential to completely revolutionize and revitalize such economies, especially in Sub-Saharan Africa.

    So, what is this Blockchain?

    Blockchain is essentially a kind of decentralized database that allows you to have a safe, secure way to handle their data without the need for third parties.

    How Blockchain works

    For example, you could with Bitcoin, make or accept payments in real-time without needing a centralized bank.

    “[It is] a way for one Internet user to transfer a unique piece of digital property to another Internet user, such that the transfer is guaranteed to be safe and secure, everyone knows that the transfer has taken place, and nobody can challenge the legitimacy of the transfer,” said software entrepreneur Marc Andreessen.

    “The consequences of this breakthrough are hard to overstate.”

    Historic background

    Until the mid-twentieth century, most of Africa was ruled under a colonial system meant to exploit the people and their natural resources for European benefit. Africans, in addition, were rushed into development according to European standards rather than homegrown ones.

    The legacy of rapid development, distrust and corruption left behind an economic system failing to recover in the 21st century.

    While the World Bank celebrates a decrease in global poverty levels, the number is expected to remain stagnant in Africa. Today’s poorest people are living in places with the least economic growth.

    Sadly enough, poverty and lack of investment in many developing countries stem from how they were integrated into the world system.

    The land was cut into countries according to European treaties and agreements, rather than by traditional and tribal land divisions. This situation worsened upon the handover of colonial power to so-called “democracies.” Power often shifted to the ethnic groups that former colonizers favoured.

    Corruption multiplied in the form of bribes, political persecution, rigged elections, and a massive wealth gap. All of this still affects the wealth distribution and investment potentials of many developing countries.

    Of course, this created a lack of trust in banks and government throughout much of Sub-Saharan Africa.

    The perfect fit for Africa

    During a 2012 study conducted in rural Western Kenya, Stanford University researchers waived the costs of opening basic savings accounts for a number of unbanked individuals.

    While 63 percent of the subjects opened an account, only 18 percent of them used the accounts. This was likely due to three factors: a lack of trust in banks, unreliable service and prohibitive withdrawal fees.

    Unfortunately, the prevalence of unbanked individuals in the informal sectors scares off foreign investors, who heavily rely on transactional evidence to make investments. Otherwise, pouring money into markets is too risky. That’s where Blockchain comes in.

    How would it work?

    Blockchain can host an entire evidence base of transactions, loan repayments, and asset titles. The technology is also decentralized and requires individual confirmation, creating an element of trust and transparency beyond traditional banking systems.

    SmartContracts

    According to Victor Olorunfemi, Director of Products for Pan-African tech and crypto-exchange, KuBitX, Blockchain’s major benefits lie in “frictionless P2P and cross-border payments, transparent elections, land registry management [and] transparent crowdfunding.”

    Let’s look at some of the different ways Blockchain could benefit developing economies, especially in Sub-Saharan Africa.

    1. Creating financial infrastructure and accountability

    According to a study by the Milken Institute, viable financial markets require consistent, accurate data on assets and credit histories. Luckily, Blockchain may fulfil these needs.

    The use of Smart Contracts technology is ideal in areas lacking accountability, such as the real estate or land/agricultural sectors. In Africa, a lack of record-keeping practices often leads to “missing” or non-existent title deeds. In some cases, this is intentional.

    Title deeds “go missing,” only to end up in the hands of benefactors other than the rightful owners. Smart Contracts could eradicate these issues through the use of special tokens that cannot be duplicated, changed or removed. See the article on tokenization.

    Likewise, Bitland, a company in Ghana, currently helps individuals record deeds and land surveys. By resolving land disputes, Bitland creates more stability while accurately recording land asset data.

    “There’s a massive number of people in the informal sector, but there’s not much data being collected on them right now.”

    Merit Webster, co-president of the MIT Sloan Africa Business Club.

    “That means you don’t have that credit history or payment history for them. If you have a decentralized approach to collecting data, you end up with more malleable data. [This] is very valuable for creating credit histories.”
    The agricultural industry also has the potential to thrive using Blockchain.

    “Blockchain could be used to track goods around the world. This allows farmers to earn a fair wage for their goods.”

    Also, farmers could use record-keeping technology to streamline the supply chain and document resources. This would lead to better efficiency, lower transactional costs, and improved logistics.

    2. Security in banking

    According to the World Bank, there were 1.7 billion people with no bank account in 2017. This situation is worst in developing countries, especially African ones. For example, over 62 million of these people lived in Nigeria.

    Besides, data from Google Trends reveal that Lagos, one of Nigeria’s biggest cities, ranks globally as the number one city based on the volume of online searches for Bitcoin (BTC). Clearly, for the city’s 21 million-odd people, there an immense interest in some form of an accessible payment system.

    Of course, it’s unrealistic to expect bank branches to magically appear in every remote corner of the world. However, a digital database using Blockchain technologies has the potential to reach far beyond physical banks.

    Ad: N26 Bank

    Many Africans value trust and transparency. In developing countries, this lack of trust goes beyond the Internet. Developing countries with less industrialization tend to have higher levels of corruption.

    This reduces national investment opportunities in the public sector and instills a lack of trust in centralized oligarchs handling an international investment.

    Because its power lies within the community of users, Blockchain can combat these trust issues. All data logs and amendments must pass through this community and identification confirmation tests.

    Blockchain technology also secures your data incredibly. Hacking and data breaches are all too common nowadays. In 2017, for example, around 3 billion Yahoo user accounts were stolen.

    When information is stored in the same place, hackers have one, easy target. In contrast, Blockchain is a distributed entity. This dissemination of data leaves it far less vulnerable to cyberattacks.

    3. Fostering Entrepreneurship

    Coupled with the Internet, Blockchain technology could be the perfect platform for aspiring African developers. Because the ‘source code’ is free of charge, skilled coders can adapt, create, and configure special applications, called DApps.

    These are available on Crypto platforms and provided by companies like Ethereum, and a South African firm specializing in what they called the Keto-Coin.

    Rather than waiting for governments to drag their feet trying to create jobs—individuals on the continent can form small firms that build and sell Crypto-based Apps locally or abroad.

    “Despite the frictions and impediments mentioned,” said Olorunfemi. “Blockchain can still provide an avenue for promising African tech projects to access capital (FDI) via token offerings on digital assets exchanges.”

    Many courses are even readily available online to quickly learn about new technology. Microsoft, for instance, offers a platform via Azure for you to build and learn about the Blockchain.

    One-man shops in countries with unfavourable economic systems, like Zimbabwe, can also adopt smaller, stable, Cryptocurrencies to facilitate or payments. In cases of rampant inflation, they can temporarily act as a store of value or help you pay for things until your currency stabilizes.

    As with the Venezuelan hyperinflation case study, Cryptocurrency intervention could help many developing countries troubled with economic instability.

    There is also the option of Crypto-mining. But before you pull out the ‘high-consumption energy’ argument – think outside the box for a moment. What about energy sources that are free and available nearly 24/7? Like water and the sun!

    The African continent is full of capable scientists and mechanical engineers. One could build special solar-powered energy centers to power Bitcoin-mining.

    And without the expertise, governments or private companies could alternatively just invite Crypto companies with abundant financial resources to mine (cleanly) for a special tax/fee while creating jobs for the locals.

    4. Elections

    In addition to the financial side of things, Blockchain technology could help eliminate some forms of corruption. For example, many African countries’ elections are incredibly vulnerable to the social scourge. In some extreme cases, some officials change or forge written ballot votes to rig elections.

    Corruption


    To combat this, Blockchain databases could record votes. This makes it nearly impossible to tamper with using Smart Contract technology. Having fair elections improves infrastructure, which then increases development and economic dependability.

    Blockchain non-profit company Cardano, this year, has partnered with the Ethiopian government to battle these issues specifically.

    5. Leapfrogging

    While some might see Africa’s economy as underdeveloped, others might see it as a blank canvas well-suited for a large-scale implementation of Blockchain. Economic and governmental systems are shifting and slightly shaky in many Sub-Saharan African nations.

    MPesa

    The challenge is to foster a rigid economic system to implement Blockchain.

    Don’t just take our word for it—African nations have often implemented new, practical technologies before the Western world. Let’s look at the example of M-Pesa. Back in 2014, Americans and Europeans were amazed by Apple Pay’s launch.

    However, this mobile payment system wasn’t exactly “new.” By that time, Kenyans had used M-Pesa, a very similar technology, for years.

    “There’s a lot of opportunity to leapfrog the way the West developed and have these more unique African solutions, but it needs to come from within,” said Webster.

    “It needs to come from entrepreneurs in the continent who want to implement these solutions. It’s important to engage people very early on. Systems incubated in the West don’t stand as great of a chance to work as African ones do.”

    Concluding remarks

    With the possibility of an experimental, large-scale takeover of Blockchain technology to improve African infrastructure, the nations there could leapfrog in development and growth.

    This must begin internally. According to Olorunfemi, “Education—of policymakers and other stakeholders—which is often ignored has to be a critical factor in paving the way for the acceptance and adoption of new technologies and the accompanying investment.”

    The results in Sub-Saharan African countries could help eliminate much of the world’s poverty. It would also remove remnants of mistrust and corruption left behind by the days of colonial exploitation.

    While there are some obstacles to large-scale Blockchain implementation, we can’t think of a better benefactor than there. The possibilities for business using the Blockchain are endless!

    To learn more about how to get started with Cryptocurrency mining or purchasing, visit our resources page for useful links and guides.


    Additional input by Bobby Quarshie (BQ). 
    Citations: Christopher Lee and Jackson Mueller. 
    Swan, Melanie. “Anticipating the Economic Benefits of Blockchain.” Technology Innovation Management Review 7.10. Oct. 2017.
    Bitcoin Lessons from Venezuela, Where Hyperinflation Reigns. Online Source: https://www.lathropgage.com/newsletter-237.html
  • Cloud-hosted services square up

    Cloud-hosted services square up

    Running your business requires choosing the right tools for you and your employees. In order to streamline work-related productivity, many organizations are migrating to cloud-based office suites. Specifically, Microsoft’s Office 365 and Google’s GSuite (now known as Google Workspace).

    Both products boast a variety of helpful productivity tools and the latest remote collaboration technologies. While it’s impossible to say which one is “better”. This head-to-head comparison can help you decide which office suite is a better fit for your business.

    What is Workspace & Office 365?

    Office 365 and Workspace (previously GSuite) are packages, of powerful business tools that facilitate your day-to-day tasks using the cloud. They even provide business emails along with apps for creating documents, spreadsheets, presentations, video conference calls, shared calendars, and notes.  

    In addition, storing information on Google or Microsoft servers, rather than your own via these suites, can also save your business a lot of money.  

    Plans and Pricing

    First, let’s look at plans and prices. It’s important to note that Microsoft requires an annual commitment, while Google offers you the option to make monthly payments if you prefer.

    Contact us to get a formal quote for your business
    GooglevsMicrosoftSuites
    Cloud packages head-to-head

    Email

    While both Office 365 and Workspace offer web and mobile apps (Outlook and Gmail, respectively) for email. There are, however, some subtle differences.

    One advantage to Office 365 is the desktop version of Outlook, which is incredibly feature-rich and lets you sort and group emails with ease. Gmail, on the other hand, is widely used throughout the world. For this reason, a variety of third-party app options (e.g. WordPress) can be linked to it to enhance its capabilities.

    Cloud Data Storage

    For the entry-level plans, Office 365 Business Essentials wins out with 1 TB (terabyte) of storage per user, while the Workspace ‘Basic’ plan only offers 30 GB. GSuite includes emails in this storage limit, whereas Office 365 provides extra storage for email files with added archiving.

    However, Workspace’s upgraded plans beat out most of Microsoft’s storage offerings. So long as your business has more than five employees, Workspace Business and Enterprise provides unlimited cloud storage. Although, businesses with less than 5 employees on the “Business” plan are capped at 1 TB. Only Microsoft’s E3 plan and higher offer the same unlimited cloud storage.

    Applications

    Applications are the cornerstones of a suite’s functionality. Workspace and Office 365 offer you a variety of comparable apps for word processing, creating spreadsheets and presentations, all on the cloud!

    This means every user gets a free desktop version of the Office suite (i.e. Microsoft Word, Excel) to download.

    These feature-rich apps expand far beyond the capabilities of the mobile and online versions, and are available on every plan except the ‘Business Essentials’.

    While both services offer mobile and online apps, one major benefit of Office 365 are its desktop applications.

    Collaboration

    These online applications make both suites ideal for remote collaboration. Microsoft Teams lets facilitate this with tools like real-time co-authoring, mentioning users by name and chat capabilities while working on OneDrive. Microsoft now lets you collaborate using its desktop apps, too, although the updates to shared files are a bit sluggish compared to its online apps.

    Similarly, GSuite offers Hangouts for chats and Google Drive for real-time collaboration. Google’s online and mobile apps were created with cloud collaboration in mind, so some might find them a bit more user-friendly.

    For remote meetings, GSuite and Office 365 both offer group video conference calls. If you plan on large-scale video conferences, then Office 365 offers far more for your money: most plans have a 250-participant limit, while the E3 plan increases to an astounding 10,000-person limit.

    Meanwhile, GSuite’s Google Meet allows up to 25 participants on the “Basic” plan, 50 on the “Business” plan, and 100 on the “Enterprise” plan.  

    Security

    Cloud services are running into a variety of security issues, and these suites are no exception.

    A 2019 Barracuda Networks’ report found that a large percent of ATO (account takeover) attacks were targeted at Microsoft Office 365 accounts after businesses migrated emails to the service.

    These attacks prompted the Cybersecurity and Infrastructure Security Agency (CISA) to issue a set of best practices. The aim was to help organizations migrate their email services while avoiding risks and vulnerabilities.

    Meanwhile, Google recently announced that a cloud storage feature for encrypted passwords on its “Enterprise” plans was faulty. As a result, some user passwords were stored in plaintext on Google’s servers!

    While cloud computing has its risks, the two suites do have impressive security features. GSuite is comparable to Google’s own level of security and offers AI detection of suspicious activity, Two-Factor authentication, and data leak protection—in which admins can block outgoing communication determined by set keywords.

    On the other hand, Office 365 has the option of Multiple Factor Authentication (MFA), along with the detection of malware, viruses, and suspicious activities. Microsoft also provides data loss protection, and admins can restrict access to company-issued devices only.

    Ease of Use

    So, which is easier to use? Well, it depends on who you are, and your ability to grasp software quickly.

    If you’re accustomed to working with MS Word or Excel documents, and edit them for work on a regular basis, then Office 365 and its desktop-to-online formatting compatibility will probably be your best bet. This is especially true if your company solely computes with Windows PCs.

    However, new users might find GSuite apps easier to learn, as the tools are a bit simpler and straightforward.

    So, which is best for you?

    Firstly, Office 365 offers feature-rich apps, and most of its plans come with a desktop version of MS Office applications. This is a definite advantage over its competitors.

    Its entry-level plan is far more generous in terms of data storage than GSuite’s “Basic” plan. In addition, businesses that already exclusively use Windows technology are likely to find Office 365 better-suited for their needs.

    With that said, GSuite was originally designed as a cloud collaborative productivity tool. Therefore, its features might be easier for collaboration and can be used among a wider variety of Windows and Mac devices. In addition, GSuite’s Business’ plans and above outdoes Microsoft when it comes to unlimited cloud file storage. <- This has changed since the article was first published.

    Unfortunately, I can’t tell you which of the two is “best.” But, with this knowledge in mind, you can make an informed decision to choose the best cloud suite for you.

  • Digital Dribs & DApps!

    Digital Dribs & DApps!

    We have barely scratched the surface with the Internet (from the early eighties) and it is already seemingly being threatened with the competition. A possible replacement by a new phenomenon.

    Well, for lack of a better word, “replaced” has connotations of a dying Internet. This is far from accurate. This new phenomenon – fostered by blockchain technology, will change the way we use and consume the Internet as a service.

    So, what is this new Internet-like system creating waves online? And why is it making online marketers quiver at the prospect of them losing out on the exponential revenues they have previously enjoyed?


    Well, without hyping it up any further, it is called Distributed Applications or ‘DApps’ for short.

    A brief history of Apps

    Before we delve further into its meaning and use in the cyber world, perhaps some background context is required.


    The way we use online or mobile applications software or “Apps” has changed how we consume products and services online. Companies jumped onto the bandwagon when they discovered that we mostly use Smartphones for the Internet.

    App developers were then subsequently sought after to create mobile Apps for practically anything.  What started as something mainly for gamers moved quickly onto applications for practically any commercial activity.


    We now use Apps for our shopping; fitness; traveling; online bookings and banking. Developers now create customized software to help us with practically, anything.


    In addition, we now have App stores for every significant tech provider – Microsoft, Google, and Apple to mention a few. This has naturally fattened the pockets of software companies and created an additional stream of income for them.

    The ‘catch’ for using mobile apps is that even though it costs you nothing to download, using them still requires you to register with your personal details. You can also do this by linkingyour existing social media accounts.

    The benefit to App providers

    These Apps, which are integrated with social media services, create a data goldmine for marketers to study and track browsing habits. Through them, marketers can gain valuable insights into your interests and then customize their products/services to sell to you.

    The impetus behind a distributed application system is that it serves to distribute plow some of the wealth garnered from your data via application providers back to you.

    Data mining has become more lucrative and accessible because of Artificial Intelligence (AI) and Machine Learning. Do you ever notice how after browsing online or having a conversation or a chat application like WhatsApp or Facebook Messenger? You go online later, and you see Ads displaying the items you discussed? Creepy isn’t it? Well, that is the future of Web 4.0 for you!

    Staying ‘woke’

    Luckily for us, there is a school of knowledgeable and security-conscious programmers who are not ‘giving in’. They help us understand how the Internet has become a cesspool for marketers to harvest our data. Social media platforms, search engine providers, and mobile application providers facilitate them immensely with this.

    Image Courtesy of blockgeeks

    Imagine getting paid to surf the web for hours. The way you get paid for taking on a survey, partaking in a social experiment, donating an organ or sperm?


    This is the way distributed apps are touted to work. They reward you for the use of specific applications (in a peer-to-peer review setting) with cashable tokens. Seems only fair right?


    Now you can imagine how companies like Cambridge Analytica would react to having to pay you for their use of your data. They would surely be reluctant and that’s why they preferred to work clandestinely. But if they could pay companies like Facebook for the use of data, why not pay us directly?

    Early adoption

    Joining the ‘DApps revolution’ is a no-brainer. Those at the forefront of building and supporting DApps will end up with a more substantial chunk of the market.

    DApps primarily provide you with the use of payment systems. These are specifically known as Smart Contracts and Proof of Work systems.


    There are currently also web-browsers (built as DApps on blockchain platforms such as Ethereum or EOS) that will reward you for merely using their DApps.


    For instance, you are rewarded in cashable tokens to surf the net over applications like Google Chrome, or Mozilla Firefox.


    It is only a matter of time that this form of Internet-browsing and use of applications becomes the norm.


    The Internet revolutionized the way we communicate, socialize, learn, shop, and do business online. DApps however, will determine the way you get compensated for doing the things you love to do online.

  • Get more organised digitally!

    Get more organised digitally!

    One often hears the phrase “technology is your friend” To what extent the friendliness/support is, in being a most effective “companion” to assist you to cope with your daily activities or business plans depends on how you embrace it.

    Read more via Get more organised digitally!

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