I. E. OBAYAGBONA

This study examines the degree to which digital identity systems have enhanced access to public services in Nigeria. In recent years, initiatives such as the National Identification Number (NIN), Bank Verification Number (BVN), and digital voter registration platforms have been introduced to improve identification, reduce fraud, and streamline service delivery. Despite these developments, many Nigerians still experience delays, verification challenges, and limited access to essential services. This study, therefore, investigates the level of awareness, usage, benefits, and challenges associated with digital identity systems. A quantitative research design was adopted, and data were collected using a structured
questionnaire administered to 100 respondents across different sectors, including banking, education, health, and government services. Data was analyzed using descriptive statistics
such as frequency and percentage distribution. The findings revealed that a majority of respondents have registered for at least one digital identity and frequently use it for accessing services such as account verification, SIM registration, and online transactions. The results further show that digital identity has improved service delivery by reducing manual processes, enhancing security, and increasing convenience. However, challenges such as network failures, long enrollment queues, data errors, and system downtime still limit efficiency. The study concludes that digital identity systems play a significant role in improving access to public services, but greater investment in infrastructure, public awareness, and system integration is required. It recommends improved government funding, periodic system upgrades, and better data management policies to enhance effectiveness and public trust.

This project presents the design and development of a simulated Transaction Verification and Reversal Request Model for Nigerian’s mobile payment systems. It aims to reduce mistaken money transfers and improve user rust by combining two key components: The Verify- HoldConfirm (VHC) Model, which prevents transaction errors through smart verification errors through smart verification and timed holds, and the Mistaken Transfer Protocol (MTP), which enables quick and automated reversal of incorrect payments. The system was implemented as a mobile application using React Native and SQLite, and tested with real users to evaluate usability and performance. Results show that the model effectively reduces transaction errors, improves recovery sped, and increases user confidence in mobile transfers. This research contributes to Nigeria’s financial technology growth by offering a practical, user-friendly, and secure framework for mobile transaction management.

This study examines how sentiment analysis shapes brand reputation management in a digital environment dominated by user-generated content and real-time public feedback. Using a mixed methods approach, the research integrates quantitative sentiment mining—via VADER and TextBlob—with qualitative interviews from brand managers and sentiment analysis experts. Quantitative data from social media and review platforms were analyzed to determine sentiment polarity and trends, while qualitative insights clarified how organizations interpret and apply these results. Findings show that sentiment analysis enhances reputation management by enabling real-time monitoring, early detection of emerging crises, and data-driven strategic decisions. Positive sentiment corresponds withstronger brand equity and loyalty, whereas negative sentiment, particularly on high-velocity platforms like Twitter, accelerates reputational risk. The study concludes that sentiment analysis is essential for proactive brand management and recommends broader adoption of AI-driven tools, improved crisis protocols, and continuous model updates to address linguistic nuances and reduce algorithmic bias.