Advanced International Journal of Multidisciplinary Research

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The State of Fraud & Risk Intelligence in Africa 2025; How Continuous Profile Scoring Is Powering Safer Transactions and Digital Trust

Author(s) Oluwatobiloba Ololade
Country Nigeria
Abstract Africa's internet economy is booming and is expected to be worth USD 180 billion by 2025 (Google & IFC, 2020). However, this growth is being hampered by a huge deficit in trust in the system due to increasing incidences of cyber-enabled money crimes which cost African economies between USD 4 billion - USD 4.6 billion annually (INTERPOL, 2023). Fraudsters take advantage of lapses in identity verification processes, device security and transaction monitoring, and result in substantial losses and customer attrition. Traditional fraud detection methods, mainly relying on static, one-time identity check methods are no longer effective in tackling evolving threats. This paper examines how this responsive system approach of continuous profile scoring -- a dynamic behavior-driven framework of risk intelligence -- is helping to overcome such difficulties by transitioning from static at a single moment and one-time verification to contextual analysis of identity, transaction and device data in real-time. Continuous profile scoring relies on multi-signal intelligence involving identity verification, device reputation, behavioural analytics, and transaction monitoring used to help determine risk factors continuously throughout the user lifecycle to detect early instances of fraud. By taking such an approach, businesses can minimize the financial losses as a result of fraud, help deliver a better customer experience and create secure, inclusive digital ecosystems. This paper illuminates emerging fraud trends in Africa, summarises the limitations of traditional fraud detection and introduces Profiled Risk, a risk intelligence platform launching in late 2024 that seeks to improve fraud detection capabilities and help establish digital trust across the digital economy in Africa.
Keywords Fraud prevention, continuous profile scoring, digital trust, Africa, risk intelligence, KYC, financial inclusion, behavioral analytics, transaction monitoring, cybersecurity.
Discipline Other
Published In Volume 3, Issue 4, July-August 2025
Published On 2025-07-11
DOI https://doi.org/10.62127/aijmr.2025.v03i04.1183
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