Online fraud accounted for 47 percent of cybersecurity incidents recorded in Ghana between January and July 2026, the Cyber Security Authority (CSA) has disclosed.
CSA Director-General Divine Selase Agbeti said the national Computer Emergency Response Team (CERT-GH) recorded 3,876 cybersecurity incidents during the period, with 1,818 cases linked to online fraud.
Speaking at the launch of the 2026 National Cyber Security Awareness Month in Accra, Mr Agbeti warned that the rapid growth of digital financial services was also increasing Ghanaians’ exposure to cyber-enabled crime.
He referred to the Bank of Ghana’s 2025 Fraud Report, which showed that reported fraud cases involving banks, specialised deposit-taking institutions and payment service providers increased by 48 percent, from 16,733 cases in 2024 to 24,778 in 2025.
The report said GH¢101 million was at risk.
Mr Agbeti stressed that cybercrime poses a serious threat to public confidence in digital financial services.
He urged financial institutions and other businesses to make cybersecurity a board-level responsibility rather than treating it solely as an IT or regulatory matter.
“Once customers believe that a mobile money wallet can be emptied without recourse, that an online merchant may be fraudulent, that a bank transfer can be diverted, or that personal data can be abused without consequence, confidence erodes.
“Cybersecurity cannot remain a compliance exercise done solely for the regulator or a technology project delegated solely to the IT department. It is a board-level governance obligation and an operational resilience requirement.”
He also called for stronger cybersecurity measures, including multi-factor authentication, better identity management, regular vulnerability assessments and improved incident-response systems.
Mr Agbeti further warned that artificial intelligence was making scams more sophisticated, particularly through voice cloning, impersonation and social engineering.
“No institution should wait to become a victim before taking cybersecurity seriously.
“Ghana’s digital finance future will be shaped not only by how quickly we innovate but also by how safely we do so.”
