MML tightens customer security with advanced tools-Shaibu -

The deployment of enhanced compliance tools and advanced fraud detection systems to safeguard customers emerged as a defining highlight of MobileMoney LTD’s operations in 2025, as Ghana’s leading fintech company deepened its commitment to secure digital finance and financial inclusion.

Reflecting on the previous year, Chief Executive Officer (CEO) of MobileMoney LTD (MML), Shaibu Haruna, described 2025 as a turning point not only for the company but for Ghana’s entire fintech and digital payments ecosystem, driven by rapid customer adoption, improved security architecture, and closer collaboration with regulators.

According to him, MML’s strategic focus on strengthening transaction security and migrating customers onto more advanced digital platforms helped reinforce trust in mobile financial services at a time when digital fraud remains a growing global concern.

Strengthening security to tackle fraud

At the heart of MML’s 2025 strategy was a renewed focus on protecting customers and the integrity of Ghana’s digital financial system.

Shaibu said the company deployed enhanced compliance tools and advanced fraud detection systems designed to identify suspicious activity in real time, prevent fraudulent transactions, and safeguard customer funds across its platforms.

“Our fight against digital fraud has been relentless.

“By deploying advanced compliance tools and intensifying customer fraud awareness, we have reinforced trust in digital transactions and are steadily building confidence in the financial ecosystem,” he said.

He explained that these systems not only strengthened internal controls but also improved collaboration with regulators and law enforcement agencies, ensuring faster detection, reporting, and resolution of fraud-related incidents.

For customers, the impact has been greater confidence in using mobile money services for everyday transactions, savings, payments, and digital lending, knowing that robust safeguards are in place to protect their funds.

Driving customer trust and financial inclusion

Beyond security, Shaibu noted that 2025 marked a significant shift in customer behaviour, with more users transitioning from basic mobile money transactions to advanced digital financial services.

He disclosed that MML successfully onboarded more customers onto mobile payments, digital lending, and value-added financial solutions, expanding access to credit and cashless payments for individuals and small businesses.

“2025 has been transformative, not just for MML, but for the entire fintech ecosystem in Ghana,” he said.

He stressed that secure and reliable digital platforms are critical to sustaining financial inclusion, particularly for underserved communities and small enterprises that rely heavily on mobile money for daily economic activity.

According to industry observers, MML’s continued investment in security and customer education has helped strengthen public confidence in digital finance, supporting the broader shift toward a cash-lite economy in Ghana.

Supporting a resilient fintech ecosystem

Shaibu said MML’s progress in 2025 also had positive spillover effects for the wider fintech and digital finance ecosystem.

By prioritising compliance, cybersecurity, and system resilience, he said the company contributed to overall market stability, encouraged innovation, and set higher operational standards for fintech players operating in Ghana.

He noted that trust remains the backbone of digital finance and that sustained growth in fintech depends on collective efforts by industry players, regulators, and technology partners to protect consumers and maintain system integrity.

2026 focus

Looking ahead, Shaibu outlined key priorities for 2026, with a strong emphasis on accelerating mobile app adoption and deepening digital engagement.

He said MML plans to enhance app features, simplify user journeys, and introduce more personalised services to position the app as the preferred engagement channel for customers.

“Digital engagement is the future. In 2026, we will double down on making our app the preferred choice for customers by delivering enhanced features, intuitive design, and personalised experiences,” he stated.

The strategy, he explained, is aimed at improving convenience, expanding access to digital services, and creating a more seamless experience for customers across payments, savings, lending, and merchant services.

Collaboration with regulators and embracing change

Shaibu also highlighted the importance of deepening collaboration with regulators as Ghana’s financial services sector continues to evolve.

He said the changing regulatory landscape presents new opportunities for responsible innovation, which MML intends to leverage while maintaining the highest standards of compliance and consumer protection.

According to him, close engagement with regulators is essential to ensuring that innovation progresses in a way that strengthens the financial system and protects users.

Confidence in Ghana’s Fintech future

Shaibu expressed appreciation to MML’s partners, stakeholders, and customers for their continued support in building a secure, resilient, and inclusive fintech ecosystem.

He concluded by expressing confidence in the future of digital finance in Ghana, noting that MobileMoney LTD is well positioned to lead the industry into a transformative 2026.

With stronger security systems, growing customer trust, and an expanding suite of digital services, MML’s 2025 journey, he said, has laid a solid foundation for the next phase of fintech growth in Ghana.