H2 2025 Update: Top Fraud Trends

Discover how compromised consumer data is driving increased fraud costs

Africa’s digital economy is expanding with stronger fraud awareness and better controls, but exposure remains uneven. Fraudsters pursue quick gains through money and gift card scams, and account creation is the highest-risk stage across most markets. Sustained digital growth and consumer trust requires market-specific responses like advanced identity analytics and lifecycle-specific prevention.

Key Takeaways:

South Africa: Suspected digital fraud fell from 4.3% in H1 2022 to 2.1% in H1 2025, reflecting one of the region’s strongest improvements in fraud prevention.
Kenya: Of all transactions analysed, 2.6% were suspected of digital fraud, the highest in Africa but still below the 3.8% global average.
Zambia: Account creation fraud reached 11.5% (the highest rate in Africa), indicating significant exposure at onboarding.
Rwanda: Account creation fraud was 8.6%, exceeding the 8.3% global average, making onboarding a key vulnerability.
Namibia: Maintained suspected digital fraud below 2% since 2022, the lowest and most stable among African markets.
Botswana: Suspected digital fraud dropped to 1.0% in H1 2025, one of the sharpest declines across Africa.

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H2 2025 Update: Top Fraud Trends

Key Takeaways:

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