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Survey on mobile money fraud prevalence in Ghana

Author

Listed:
  • Selorm Kofi Tagbo
  • Adebayo Felix Adekoya
  • Patrick Kwabena Mensah
  • Peter Nimbe
  • Vivian Akoto-Adjepong
  • Mighty Abra Ayidzoe

Abstract

This study seeks to investigate the prevalence of mobile money fraud in Ghana. The survey examined social engineers' prime target and the most used communication channel to perpetrate this fraudulent activity. The objective is to identify the vulnerabilities in transacting business on mobile money platforms. A comprehensive mixed methodology was employed, collecting data using a structured questionnaire. To ascertain whether most mobile money fraud cases are caused by social engineering attacks in the country, mobile money users from various regions were sampled and then contacted to complete the survey instrument in three phases. It was revealed that most of such fraud cases emanate from social engineering attacks. Again, the results showed that mobile money customers are more susceptible to these fraud attacks as compared to agents, and officials of service providers. Findings from the research also disclosed that social engineers predominantly use telephone calls to exploit their victims in Ghana.

Suggested Citation

  • Selorm Kofi Tagbo & Adebayo Felix Adekoya & Patrick Kwabena Mensah & Peter Nimbe & Vivian Akoto-Adjepong & Mighty Abra Ayidzoe, 2026. "Survey on mobile money fraud prevalence in Ghana," International Journal of Accounting, Auditing and Performance Evaluation, Inderscience Enterprises Ltd, vol. 22(2), pages 249-267.
    • Handle: RePEc:ids:ijaape:v:22:y:2026:i:2:p:249-267
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