When the call sounds genuine: How Mobile Money fraud continues to target Ghanaians

Your phone rings unexpectedly. The caller introduces themselves as a customer service representative from your mobile money provider. They speak confidently, know your name, and explain that there is a problem with your account. To protect your funds, they say, you need to confirm a code that has just been sent to your phone. Feeling pressured, you follow the instructions. Minutes later, your account is empty. This scenario has become all too familiar in Ghana. Despite continuous public awareness campaigns, mobile money fraud remains one of the most common forms of cyber-enabled crime affecting individuals across the country. The success of these scams does not depend on sophisticated technology. Instead, it relies on convincing people to make quick decisions without verifying who they are