Ghana's digital trust debate needs better performance evidence
MyJoyOnline reported that trust has become a central question in Ghana's digital economy. The Bank of Ghana's publication of its 2024 fraud report has brought renewed attention to attempted and successful fraud across banks, specialised deposit-taking institutions, and payment service providers. The policy response should include stronger controls and consumer education, and it should also improve the quality of the evidence consumers see when comparing digital services.
Before judging performance, a consumer needs to know who operates a service. Registers and trust seals are valuable as they reduce the risk of mistaking an anonymous seller or impersonation page for an established business. Verification should be presented with an "as of" date because legal status, ownership, and permissions can change.
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Ghana's digital economy faces a growing challenge in consumer trust as more financial activities shift to online platforms. This raises critical
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