Telecom, Digital Chambers seek unified digital fraud framework

The Ghana Chamber of Telecommunications and the Digital Chamber of Ghana are pushing for a stronger industry-wide framework to tackle fraud risks threatening confidence in Ghana’s rapidly expanding digital economy.

The Chambers’ Chief Executive Officer, Sylvia Owusu-Ankomah, says fraudsters are exploiting gaps between institutions, making it increasingly difficult for individual players to contain risks that cut across the digital financial ecosystem.

Speaking at the MoMAG Agent Conference 2026, she said, “For us in this ecosystem it is a warning that trust must move at the same speed of usage.”

She explained that fraudulent transactions can move across multiple platforms, beginning with social engineering, a compromised identity or SIM, and passing through a mobile money wallet before ending in a bank account.

According to her, the response must therefore go beyond individual institutional controls.

“Fraud does not respect institutional boundaries,” she said, arguing for secure, shared risk signals that can be exchanged in real time to detect suspicious activity and enable faster intervention.

Ms. Owusu-Ankomah said members of the Digital Chamber are engaging industry players and regulators on establishing “a national federated centralized fraud control system.”

She stressed that such a system should not amount to indiscriminate centralisation of customer information, but should instead be underpinned by common governance standards and stronger cross-institutional monitoring.

“This does not mean an indiscriminate centralized customer data platform. It will require standardization of our governance frameworks,” she said.

The proposal comes as Ghana’s digital economy continues to expand, increasing the need for stronger trust and security mechanisms alongside the growth in digital transactions