Training built for the scam MoMo agents hear every single day
Kofi runs a MoMo kiosk in Kumasi. Most weeks, someone calls claiming 'I sent money to the wrong number, please reverse it' - and the pressure to reverse fast, before checking anything, is exactly how agents lose their own float. Aggregators and merchant-facing teams need the same instinct built in.
What agents and merchant staff actually face
- The "wrong number, please refund" call - a real deposit notification SMS is spoofed or a small genuine transfer is sent, then the agent is pressured to reverse a larger amount before verifying the sender.
- Fake "MoMo support" calls or texts asking an agent to share their PIN, OTP, or agent till code to "fix an error" or "upgrade" their account.
- SIM-swap attempts targeting the agent's own registered line, which can hand a fraudster control of the agent wallet.
- Fraudulent "float loan" or "agent upgrade" messages that ask for a deposit or personal ID details before any real benefit is delivered.
- Customers asking an agent to process a transaction that does not match the ID presented, testing whether the agent checks properly.
Act 843 and the Cybersecurity Act
Mobile money agents and aggregators handle personal and financial data covered by Act 843, and operate in a sector the Cybersecurity Act's broader intent reaches. We map modules openly to both and recommend confirming current guidance with your compliance team or mobile network operator before citing a specific clause.
See Ghana's regulatory drivers →Frequently asked questions
Is this training only for bank staff, or does it work for independent MoMo agents?
It is built for anyone handling mobile money transactions, including independent agents, aggregator field staff, and merchant tills - not just bank employees. The scenarios use agent-specific situations like float reversal pressure and fake "support" calls.
What is the single most important thing an agent should do differently after this training?
Never reverse or resend a transaction based on a phone call alone. Verify the actual deposit in the agent app first, and never share a PIN, OTP, or till code with anyone claiming to be "support" - real support never needs it.
Can this run as short modules an agent can finish between customers?
Yes. Modules are 3-7 minutes, designed to be completed in short breaks rather than requiring a long training session away from the till.