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![Page 1: Mobile Technology & Cyber Threats Promoting E-Commerce in Ghana Ruby Saakor Tetteh Ministry of Trade & Industry, Ghana Sixth Annual African Dialogue Consumer.](https://reader035.fdocuments.in/reader035/viewer/2022072005/56649cef5503460f949bd76b/html5/thumbnails/1.jpg)
Mobile Technology & Cyber Threats
Promoting E-Commerce in Ghana
Ruby Saakor TettehMinistry of Trade & Industry, Ghana
Sixth Annual African Dialogue Consumer Protection Conference September 2014 Lilongwe, Malawi
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Definition & Policy Perspective E-commerce is the use of the internet for
marketing, identification, payment and delivery of goods and services – Ayo, Adewoye and Oni 2011
Policy Context Imperative to establish a legal framework on
consumer protection policy in light of electronic commerce
Consumer concerns about shopping online and by other electronic means due to security, confidentiality and redress
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Barriers To E-commerce
1. Technical Factors Poor ICT Infrastructure & costs of
telecommunications-related services; Problems with access such as
communications, skills and computing technology;
2. Financial Factors Lack of investment capital; Electronic payment systems - online payment
using credit cards, store cards, debit cards etc;
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Barriers To E-commerce Cont. 3. Logistical Factors
Complex, long winding and non-transparent customs clearance procedures;
Complex and slow business registration procedures. 4. Human Factors Illiteracy & Non-availability of trained people; Lack of policy research capacity in the public, private and
academic sectors; Potential threats to the privacy of personal and business data;5. Policy and Regulatory Factors A slow realization of the explosive potential of E-Commerce
on the part of governments; Lack of a clear, internationally agreed, regulatory framework
and clarity
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Ghana Context
Second most internet fraud prone country in Africa and 7th most cyber-crime prone in the world
o Hacking of official & private websites o Abduction of teenagers and used to solicit sexual exploitation
abroad About 82% of cyber-crimes occur in Ghana every month and
about 1000 crimes a year International orders on the internet in Ghana and Nigeria have
been blocked by businesses in the US and Canada Cyber attackers target computers of bank customers with high
account balances and then roll out a customized version of already established maleware or virus to transfer large sums of money into mule accounts
Banking sector employees are inserting key loggers on machines to pick up passwords in collaboration with external agents
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Cyber Threats Fake anti-virus Stranded traveller Fake escrow Advanced fee fraud – 419 Online banking fraud – stealing
passwords, account numbers and data
Online Relationships – Fraud
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E-Commerce Challenges
Unavailability of Internet Services Lack of Awareness of Consumers Fraud Online Inability to Afford Services Computer Illiteracy by citizens Lack of knowledge on value of the
internet
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Status of E-CommerceOnline Transactions Mobile Money Bill Payment - cash, water, electricity, DSTV
bills etc. Online Services Websites - tonaton.com, ghanatrade.gov.gh,
lamudi.com.gh, etransact.com.gh, etc. Internet banking transactions - ATM Transactions Internet Data Services on Cell Phones SMS Text Services Indicative E-Government/E-Services/E-Business Transactions E-Governance Services E-Applications – e-justice, e-immigration, e-procurement, e-
payment, e-services, e-education, e-health – GRA, RGD, Births & Deaths, Passports, etc.
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Consumer Policy Prescriptions & Other Legislations
Government will ensure that consumers are provided with clear and sufficient information to make an informed choice about how to purchase online and through other electronic means
Government will support and encourage private-sector initiatives that include participation by consumer representatives and consumer protection pressure groups to be more vigilant and more effective to educate the population
Government will ensure stronger collaboration between the public and the private sectors
ICT for Accelerated Development Policy, 2003 & Implementation Strategy, 2005
Electronic Communications Act 775, 2008 Electronic Transactions Act 772, 2008 Data Protection Act 843, 2012
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Recommendations Establish public key infrastructure to
authenticate transactions by using digital signatures, encryption & security measures for online transactions
Establish secure and effective payment systems
Effective stakeholder collaboration between policy makers & law enforcement agencies
Create consumer awareness on e-commerce and benefits
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Thank you