Mobile money users in Ghana losing money to social engineering fraud with no reliable way to verify legitimate requests

Mobile money customers in Ghana are being systematically defrauded through social engineering tactics where fraudsters manipulate them into voluntarily disclosing sensitive information like PINs and OTPs. Current security measures focus on technical hacking prevention but fail to protect against human manipulation, leaving users vulnerable to losing their savings with no recourse. Banks and fintech companies lack effective tools to educate users and verify legitimate vs. fraudulent requests in real-time.