The Ghana Chamber of Telecommunications and the Digital Chamber of Ghana are advocating for a unified, industry-wide approach to tackling digital fraud as Ghana’s digital economy continues to expand.
The Chambers say fraudsters are increasingly exploiting gaps between institutions, making it difficult for individual organisations to effectively address fraudulent activities that move across different platforms and sectors.
Speaking at the MoMAG Agent Conference 2026, Chief Executive Officer of the Chambers, Sylvia Owusu-Ankomah, stressed that maintaining public confidence in digital services must remain a priority as the use of digital platforms grows.
She explained that a single fraudulent transaction could involve several stages, beginning with social engineering or a compromised identity or SIM card, moving through a mobile money wallet and eventually ending in a bank account.
According to her, the cross-platform nature of such fraud means no single institution can effectively tackle the problem alone.
She therefore called for secure systems that would allow relevant institutions to share risk information in real time, helping them identify suspicious transactions and intervene more quickly.
The Chambers are currently engaging industry stakeholders and regulators on the possibility of establishing what they describe as a national federated centralised fraud control system.
Owusu-Ankomah clarified, however, that the proposed system would not involve indiscriminate centralisation of customers’ personal information.
Instead, she said the focus should be on establishing common governance standards, improving coordination and strengthening monitoring mechanisms across institutions.
The proposal comes at a time when digital transactions are becoming increasingly important to Ghana’s economy, making the protection of consumers and digital platforms a growing concern.
The Chambers believe stronger collaboration among telecommunications companies, financial institutions, digital platforms and regulators will be critical to closing the gaps that fraudsters currently exploit.
