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South Korea unveils AI Humans

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South Korea Pulse9 has created digital humans for some of South Korea’s largest conglomerates, including Shinsegae, with research indicating the global market for such life-like creations could reach $527 billion by 2030.

In South Korea, AI humans have enrolled as students at universities, interned at major companies, and appear regularly on live television driving sellouts of products from food to luxury handbags.

Her face is a deep fake. Her body belongs to a team of similar-sized actors. But she sings, reads the news, and sells luxury clothes on TV as AI humans go mainstream in South Korea.

Meet Zaein, one of South Korea’s most active virtual humans, who was created by Pulse9, an artificial intelligence company that is working to bring corporate dreams of the perfect employee to life.

But Pulse9 says this is only the beginning. They are “working on developing the technology to broaden AI human use”, Park Ji-eun, the company’s CEO, told AFP.

“Virtual humans are basically capable of carrying out much of what real people do,” she said, adding that the current level of AI technology means humans are still needed – for now.

The demand for AI humans in South Korea was initially driven by the K-pop industry, with the idea of a virtual idol – not prone to scandals and able to work 24/7 – proving popular with the country’s notoriously hard-driving music agencies.

But now, Pulse9 is “expanding their roles in society to show that these virtual humans aren’t just fantasy idols but can coexist with humans as colleagues and friends”, Park said.

– K-pop face –

Zaein’s face was created by a deep learning analysis – an AI method that teaches computers to process complex data – of the faces of K-pop stars over the last two decades.

Doe-eyed with delicate features, fair skin and a willowy figure, she is brought to life by overlaying the deepfake on a human actor.

More than 10 human actors, each with different talents — from singing, dancing, acting, to reporting — help animate Zaein, which is what makes this particular AI creation so “special”, Park said.

On a Monday morning, AFP met with one of the actors as she was preparing to deliver a report as Zaein on a live morning news programme on South Korean broadcaster SBS.

“I think it can be a good practice for people who want to become celebrities and that’s what appealed to me,” said the actor, who could not be named due to company policy.

A representative for Pulse9 said the identities of all human actors are concealed and their real faces are not shown.

Despite the strict measures to keep their profiles hidden, the actor said playing as a virtual human opened new doors.

“Typically, a lot of people in their teens and young people become K-pop idols and I’m way past that age, but it’s nice to be able to take on that challenge,” the actor, who is in her 30s, told AFP.

“I’d love to try acting as a man if I can manage my voice well, and maybe a foreigner — something that I can’t become in real life.”

– ‘Real and fake’ –

Creating artificial humans will continue to require real people “until a really strong AI is created in the future which will be able to process everything by itself”, Park said.

The potential — and potential perils — of AI have exploded into the public consciousness in recent months since ChatGPT burst onto the scene at the end of last year.

Experts around the world, including AI pioneers, have spoken out about its dangers, and several countries are seeking regulation of the powerful but high-risk invention.

But Park is not concerned. Her company is working on new virtual idols, virtual influencers, and virtual sales agents to take over customer-facing tasks for South Korean conglomerates, which are increasingly struggling with recruitment in the low-birthrate country.

South Korea — and the world — needs better, clearer regulations on what AI can do, she said, adding that when done properly, the technology can add to “the richness of life”.

The trouble, however, is that a deepfake can “make it impossible to tell what is real and fake”, Kim Myuhng-joo, a professor of information security at Seoul Women’s University, told AFP.

“It’s an egregious tool when used to harm others or put people in trouble. That’s why it’s becoming a problem,” he added.

AFP

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NAFDAC misleads the Senate to ban sachet alcohol – MAN

Business is based on data and logic. Not sentiment. Data is key. Bring your data. Alcohol is not produced for children.

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Photo by Ochefa / Ohibaba.com; 28 January 2026

The leadership of the Manufacturers Association of Nigeria (MAN), on Wednesday accused the nafdac to have misled the Senate to approve the ban on sachet alcohol and PET bottles.

The leadership of the association made the accusations on the occasion of the 10th edition MAN Media Personality Awards/ Presidential Media Luncheon, held in Lagos.

Francis Meshioye, the president of the association, and Segun Ajayi-Kadir, Director -General of MAN, emphasised that NAFDAC didn’t provide the Senate with empirical data showing the negative impacts of alcohol on children.

“Business is based on data and logic. Not sentiment. Data is key. Bring your data. Alcohol is not produced for children.

It is clearly written on the sacrhet it is for people 18+;  the companies producing them have done the campaigns; they have NAFDAC numbers. So NAFDAC should do its job.

They misled the Senate they didn’t give enough information to the Senate,” said Ajayi – Kadir.

Meshioye urges the government to prevail on the regulator to suspend the ban, because, “When manufacturing thrives, Nigeria thrives..when manufacturing wins, government wins.”

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CBN grants Opay, Moniepoint, Kuda Palmpay and Paga national banks status

With national licenses, these FinTechs are subject to higher capital requirements, for example, N5 billion for national MFBs, and must maintain offices for dispute resolution while continuing to drive financial inclusion.

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• CBN Governor Olayemi Cardoso

THE Central Bank of Nigeria (CBN) has upgraded the licenses of major FinTech companies and Microfinance Banks, including Opay and Moniepoint, to national status, allowing them to operate across the country following compliance with regulatory requirements.

The upgrade applies to key players such as Moniepoint MFB, Opay, Kuda Bank, Palmpay, and Paga, which have grown rapidly through mobile technology and agent networks, effectively outgrowing their previous regional licenses.

The Director of the Other Financial Institutions Supervision Department, Yemi Solaja, confirmed this development in Lagos at the annual conference of the Committee of Heads of Banks’ Operations,

He said: “Institutions like Moniepoint MFB, Opay, Kuda Bank, and others have now been upgraded. In practice, their operations are already nationwide.”

Solaja emphasized the importance of physical presence for customer support, noting “Most of their customers operate in the informal sector.

They need a clear point of contact if any issues arise.

”With national licenses, these FinTechs are subject to higher capital requirements, for example, N5 billion for national MFBs, and must maintain offices for dispute resolution while continuing to drive financial inclusion.

The reform follows previous enforcement actions, including 2024 penalties of N1 billion each on Moniepoint and Opay for KYC non-compliance, underscoring the CBN’s ongoing efforts to strengthen standards in digital finance

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Afreximbank terminates credit rating with Fitch

Fitch cut Afreximbank’s credit rating to one notch above “junk” status last year, citing high credit risks and weak risk-management policies, and put it on a “negative outlook” – rating agency terminology for another downgrade warning.

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African Export-Import Bank (Afreximbank) has terminated its credit rating relationship with Fitch Ratings.

In an announcement on its website, Afreximbank explained that it’s decision follows a review of the relationship, and its firm belief that the credit rating exercise no longer reflects a good understanding of the Bank’s Establishment Agreement, its mission and its mandate.

The bank maintained that it’s business profile remains robust, underpinned by strong shareholder relationships and the legal protections embedded in its Establishment Agreement, signed and ratified by its member states.

Reuters, in an additional report , said that Afreximbank has been in a battle over whether it must take losses on loans to debt-defaulted countries, including Ghana and Zambia, which turns on whether it enjoys so-called “preferred creditor status”.

Fitch cut Afreximbank’s credit rating to one notch above “junk” status last year, citing high credit risks and weak risk-management policies, and put it on a “negative outlook” – rating agency terminology for another downgrade warning.

It has also said that any ‌weakening of preferred creditor status at institutions like Afreximbank “could lead to negative rating action.”


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