Protect the whole transaction journey
Mobile money risk does not sit in one system. Effective controls connect onboarding, authentication, agent activity, transaction behaviour, settlement and dispute handling.
Link fraud controls with customer protection
Controls must respond quickly without creating unnecessary friction for legitimate customers.
- Risk-based authentication for higher-risk journeys
- Clear escalation for suspected account takeover
- Consistent evidence across fraud operations and customer care
Strengthen agent and ecosystem assurance
Agent, merchant and partner monitoring should identify unusual behaviour while reconciliation and settlement controls protect the underlying revenue flows.