Online fraud accounts for 47% of Ghana's cybercrime cases, raising concerns for digital financial services
Online fraud constituted nearly half of all cybersecurity incidents in Ghana between January and July 2026, according to the Cyber Security Authority CSA. The national Computer Emergency Response Team CERT-GH recorded 3,876 cybersecurity incidents, with 1,818 cases, or approximately 47%, linked to online fraud. Divine Selase Agbeti, Director-General of the CSA, announced this at the launch of the 2026 National Cyber Security Awareness Month in Accra. He warned that the expansion of digital financial services, including mobile money and online banking, creates new opportunities for cybercriminals. Agbeti cited the Bank of Ghana's 2025 Fraud Report, which indicated a 48% increase in reported fraud cases from 16,733 in 2024 to 24,778 in 2025, with about GH₵101 million at risk. The CSA Director-General emphasized that cyber-enabled fraud threatens public confidence in Ghana's digital financial ecosystem. He urged financial institutions and businesses to prioritize cybersecurity as a core responsibility of corporate leadership and a board-level governance obligation. Agbeti called for stronger security systems, including multi-factor authentication, improved identity management, and robust incident-response mechanisms. He also noted that artificial intelligence provides criminals with new tools for more convincing scams, such as voice cloning and sophisticated social engineering. Agbeti cautioned that Ghana's digital finance future depends on both technological innovation and the
