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Robbed With Permission: Toward a Receiver-Consent Architecture for Trust-Preserving Mobile Money Transactions in Africa

Amponsah, Raphael
DigitalCommons@Kennesaw State University · Papers
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computer-and-systems-architecturedigital-communications-and-networkingmanagement-information-systems
Mobile money transacted more than USD 2 trillion globally in 2025 across 2.3 billion registered accounts, with Sub-Saharan Africa holding over half of all accounts and two-thirds of transaction value. Between 58 and 72 percent of mobile money fraud on the continent exploits trust rather than technol
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