Fraud patterns vary across Africa, but smishing, phishing and vishing dominate in most countries, consistently ranking above global averages.
Kenya leads with high exposure to mobile-based scams: Smishing (39%), phishing (36%) and vishing (33%)
are all significantly above global rates. It also shows elevated identity theft (21%) and account takeovers
(23%), pointing to rising risks around digital identity misuse.
Zambia shows similar patterns, with smishing (35%) and phishing (32%) topping the list, alongside notable
levels of social engineering scams (26%). Credit card fraud remains low at 6%.
