MOBILE MONEY SAFETY GUIDE

MoMo Safe: The Ghanaian’s Guide to Beating Mobile Money Scams

Your phone is your wallet. Don’t let any scammer empty it.

Every day, Ghanaians lose hard earned money to MoMo fraud: school fees, shop sales, church offerings, savings. The painful part is that most of it is avoidable. Scammers don’t need to hack anything. They just call you with a sweet story or a scary one, and you do the rest.

MoMo Safe is a simple, plain language guide that shows you exactly how the tricks work, so nobody can fool you again.

Who is this ebook for?

Market traders and shop owners who receive MoMo payments every day Parents who want to protect their children and elderly relatives Students, teachers and workers who use MoMo for fees, bills and transfers Church members, pastors and association leaders who want to keep their groups safe First time smartphone users who are still learning Anybody who has ever received a “sorry, I sent money to you by mistake” call

You don’t need to be technical. If you can use MoMo, you can understand this book.

What you will learn The Reversal Scam: “Please I sent money to you by mistake, send it back.” How it works and how to check your balance yourself so you don’t fall for it Fake Customer Care Calls: How to know when “MTN, Telecel or AT staff” are not who they say they are Fake Prize and Promo Messages: Why “You have won GH¢50,000, pay a small fee to claim it” is always a lie Other tricks: Fake agents, fake job offers, “Auntie, I changed my number” messages, romance scams and SIM swap The 10-Second Red Flag Checklist: Four quick questions to spot a scam before you lose a pesewa How to lock down your phone and account with a strong PIN and good habits What to do the moment you’ve been scammed, and how to avoid the second scam from fake “recovery agents” How to protect your family, church, school and market What you will get 10 short, easy chapters (no long grammar!) Real-life scam examples with the exact SMS and call scripts scammers use, and why each one is a scam “Red Flag” and “Do This Now” boxes in every chapter so you can take action immediately A page to keep near your phone (screenshot it or print it) An Emergency Contacts page to fill in, with the official customer care and Cyber Security Authority numbers Simple rules you can teach to your children, parents and friends A ready plan for holding a 15-minute scam-awareness talk in your church, class or market Is it worth it?

Think about it this way: one scam can cost you GHS 200, GHS 500, or even your whole month’s money. This ebook costs a small fraction of that, and you can read it in one sitting.

If it saves you from just one fake call, it has already paid for itself many times over. And because you can share the lessons with your family and your people, it protects everybody around you too.

The outcome you should expect

After reading MoMo Safe, you will:

Know a scam when you see or hear one, in seconds Stay calm when someone rushes you or tries to frighten you Never share your PIN or OTP with anybody Know exactly what to do and who to call if something goes wrong Be able to teach your family, church and friends how to stay safe

Pause. Verify. Protect. Three simple habits that make you one of the hardest people in Ghana to scam