Ghana’s Cyber Security Authority (CSA) has issued a public alert amid a growing number of cyberbullying complaints linked to mobile digital lending applications operating in the country.
Between January and May 2025, the CSA received 377 reports—an increase of over 60% compared to 228 cases recorded in the whole of 2024.
The Authority reports that certain digital lenders have adopted a disturbing modus operandi: extending unsolicited microloans to users and subsequently using coercive tactics to demand repayment.
Unsolicited Loans and Intimidation Campaigns
After downloading one of these apps, victims receive mobile money transfers—often less than GHS 200—without formally requesting a loan.
Roughly a week later, aggressive repayment demands follow, often accompanied by excessive interest charges.
According to CSA findings, victims are then subjected to threats that include:
- The release of real or altered nude images via social media,
- Public accusations of theft or criminal conduct,
- Persistent harassment even after loans are repaid.
“These actions amount to cyberbullying and extortion,” the CSA noted in a statement. “Victims frequently remain unaware that a loan agreement was ever initiated.”
Apps Flagged and Legal Concerns Raised
Authorities have identified dozens of mobile lending platforms involved in the alleged misconduct.
Among those named are: Miniloan, Mix Loan, Devtage Loan, Ozzy Money-Cash, Fundscredit, Kcash, Bestloan, Gcash, Taploan, RocketLoan Turbo, and many others.
The Bank of Ghana has described these platforms as being in violation of the Banks and Specialised Deposit-Taking Institutions Act, 2016 (Act 930).
Additionally, most of these apps breach Ghana’s Data Protection Act, 2012 (Act 843) by unlawfully accessing users’ personal data, including contact lists, photos, and national ID details.
CSA Issues Public Safety Advisory
The CSA is advising residents in Ghana to exercise extreme caution when engaging with mobile loan services.
It confirmed that none of the flagged applications are licensed by either the Bank of Ghana or the Data Protection Commission.
“Those who use these platforms do so at their own risk,” the Authority warned.
Affected individuals or those who suspect illegal activity are encouraged to report via:
- WhatsApp: +233 501 603 111
- Text/Call: 292
- Email: report@csa.gov.gh
The CSA says it will continue to monitor the situation closely and remains committed to protecting the online safety of Ghanaian citizens.
Also read: Fraud Increased by 5% in 2024 – Bank of Ghana Report
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