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East Africa Frontline News

NextFrontier Africa is a media platform spotlighting Africa’s emerging opportunities in technology, tourism, aviation, agriculture, health, logistics, real estate, trade, education, and e-commerce.

June 15.2025

2 Minutes Read

The New USSD Billing Model: Transforming Financial Control for Nigerians

New USSD billing model Nigeria: feature phone displays USSD code

The REAL Impact of Nigeria's New USSD Billing Model on Consumers

Nigeria’s telecommunications landscape has undergone a transformative update with the introduction of the End User Billing (EUB) model for Unstructured Supplementary Service Data (USSD) services. Approved by the Nigerian Communications Commission (NCC) in conjunction with the Central Bank of Nigeria (CBN), this model aims to enhance transparency and empower consumers.

Unpacking the Billing Revolution: Why It Matters

For years, Nigerian consumers faced confusion and frustration over USSD charges, leading to significant financial disputes between telecom operators and banks. Transfers and transactions executed via USSD would often inflict hidden costs, as deductions came directly from bank accounts without prior notification. The newly implemented EUB model rectifies such misconceptions by aligning USSD service costs with those of standard voice calls and SMS, thereby granting consumers immediate confirmation of charges.

A Model Built for Efficiency and Transparency

The new billing structure, whereby costs are capped at ₦6.98 for 120 seconds, underlines a crucial shift—eliminating stealth deductions while providing clearer financial oversight for users. This simplified approach allows users the choice to engage or withdraw from USSD banking services, ultimately restoring consumer trust.

The Broader Implications for Telecom Providers and Financial Entities

Additionally, the EUB model significantly ameliorates the longstanding friction between telecom operators and banks, ensuring that payment for USSD sessions occurs at the point of service. No longer hampered by slow fund remittances, telecom providers can confidently reinvest in infrastructure innovations. This development also promises to foster a healthier competitive landscape within Nigeria's digital economy.

Consumer Protection in the New Landscape

To facilitate a smooth implementation, regulatory bodies like the CBN and NCC have promised safeguards aimed at protecting consumers while maintaining efficient operational practices. Transparency will be key in preventing the financial uncertainties that have historically plagued the USSD experience.

Looking Ahead: A Digitally Empowered Nigeria

The introduction of the EUB model is not merely a technological upgrade but a necessary step towards a more digitally empowered Nigeria. Users can now expect a more straightforward, transparent transaction process that leverages technology for financial fairness and consumer confidence.

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