H1 2025 Africa Update: Digital Fraud Trends

Digital momentum is building across Africa — and trust is the lever for growth. With every new connection comes a choice: Secure the journey or risk falling behind.

TransUnion’s 2025 H1 Africa Digital Fraud Report offers deep insights into consumer attitudes, fraud behaviours and digital vulnerabilities across six African markets — Kenya, South Africa, Rwanda, Namibia, Zambia and Botswana — with comparisons to India and Brazil.

Drawn from consumer surveys and billions of real-time transactions, this report equips businesses, lenders and regulators with the intelligence needed to reduce risk, protect customer trust and drive digital growth.

Key Takeaways:

• African consumers prioritise security and trust over product variety or price
• Fraud concern is shifting attitudes and consumer behaviours
• A one-size-fits-all fraud strategy won’t work — regional nuance is critical
• Businesses must invest in user experience and security to retain customers
• Africa is demonstrating it can scale digital growth without escalating fraud risk
• Technology is our best defence – AI, behavioural analytics and digital identity verifications are no longer optional – they’re strategic imperatives.
• Be ready, not reactive – the future belongs to institutions that invest today in agility, foresight and resilience

Get the latest insights to help your business reduce fraud risk, improve user trust and deliver secure digital experiences.