The Cyber Security Authority (CSA) says online fraud accounted for 47 percent of all cybersecurity incidents recorded in Ghana between January and July 2026.
Director-General of the CSA, DIVINE SELASE AGBETI, disclosed that the national Computer Emergency Response Team, CERT-GH, recorded a total of 3,876 cybersecurity incidents during the seven-month period.
Of that figure, 1,818 cases, representing about 47 percent, were linked to online fraud.
Mr. Agbeti made the disclosure in Accra at the launch of the 2026 National Cyber Security Awareness Month, where he warned that the rapid growth of digital financial services was also creating greater opportunities for cyber-enabled crime.
He said the increasing reliance on mobile money, online banking and other digital payment platforms requires stronger measures to protect users and maintain confidence in Ghana’s digital financial ecosystem.
The CSA Director-General also cited figures from the Bank of Ghana’s 2025 Fraud Report, which showed a significant increase in reported fraud cases across banks, specialised deposit-taking institutions and payment service providers.
According to the report, reported fraud cases increased by 48 percent, rising from 16,733 cases in 2024 to 24,778 cases in 2025, with approximately GH¢101 million at risk.
Mr. Agbeti warned that the growing threat of cybercrime could undermine public confidence in digital financial services if customers begin to believe that their money, personal information or transactions are not adequately protected.
He therefore urged financial institutions and businesses to move beyond treating cybersecurity as simply an information technology or regulatory responsibility.
According to him, cybersecurity must be treated as a board-level governance responsibility and an essential part of operational resilience.
He called for stronger security measures across institutions, including the use of multi-factor authentication, improved identity management, regular vulnerability assessments and stronger incident-response systems.
The CSA Director-General further raised concerns about the growing use of artificial intelligence by cybercriminals, noting that the technology is making scams more sophisticated.
He said criminals are increasingly using AI to facilitate voice cloning, impersonation and social engineering, making it more difficult for individuals to distinguish legitimate communication from fraudulent schemes.
Mr. Agbeti urged institutions not to wait until they suffer a cyberattack before strengthening their security systems.
He said the future of Ghana’s digital finance sector will depend not only on the pace of technological innovation but also on how safely those technologies are deployed.
 says online fraud accounted for 47 percent of all cybersecurity incidents recorded in Ghana between January and July 2026.){kind=link}