West Africa Regional Director of CUTS International, Appiah Kusi Adomako, is calling on the Cyber Security Authority of Ghana to implement a robust verification system for all e-commerce platforms in the country.
Speaking on Business Fix on ABC News GH, he emphasized that such a move is essential in curbing fraud and building public trust in digital transactions.
“Cyber Security Authority should verify all electronic e-commerce in Ghana,” he said, adding that this step “will to some extent reduce fraud in the digital payment usage utilization in the country.”
Mr. Adomako expressed concern over the current lack of consumer confidence in Ghana’s digital payment ecosystem. “Until we do this kind of verification, a lot of consumers will not have the trust to engage in the digital system,” he said.
He stressed that trust remains a critical barrier, especially as only 37% of businesses in Ghana currently accept digital payments, according to a recent report by ReFinD and the Institute of Statistical, Social and Economic Research (ISSER).
“Until we enhance the security system and people engaged in the fraud system, the local people will not have trust in the service,” he warned.
The report cited by Mr. Adomako highlights significant gaps in digital adoption across sectors and regions, with rural and informal businesses trailing behind.
It also points to fraud concerns, high costs, limited education, and tax implications as key reasons behind the slow uptake of digital payments.
As Ghana pushes forward with its digital economy agenda, stakeholders like Mr. Adomako argue that rigorous e-commerce verification measures could be the game-changer in driving broader financial inclusion and enhancing the digital trust landscape.
