A MORNING FOR CISOS . INVITATION ONLY
The face on the screen passed. Was it a person?
Beyond the Channel: Authenticating the Human, Privately
Fraud has moved from the channel to the identity behind it. Spend one morning with fellow security leaders on what is now getting past biometric checks, what stops it, and how to keep identity data under your control as the L.I. 2523 deadline arrives.
WHY THIS IS A CISO'S MORNING
Biometrics now carry your identity risk. Three questions land on your desk.
Is the person still the person?Onboarding is settled. Assurance on every login, payment and reset after it is not. That is where the CISD will measure you.
Can your liveness checks hold?Presentation attacks, synthetic identities and duplicate enrolments are aimed squarely at the biometric layer.
Can you hold identity without holding the card?
L.I. 2523 prohibits retaining or copying the Ghana Card. Act 843 governs the biometric data you keep instead.
THE DATA . MOBILE MONEY AND FINTECH
97 in every 100 reported fraud cases now happen on mobile money and fintech rails.
Bank fraud is falling. Fraud on payment service providers (PSPs), the mobile money and fintech operators, is rising fast, in number and in value. The fraud has moved to where the customer's identity meets the wallet.
+54% on 2024
24,124
Fraud cases on PSP rails in 2025, up from 15,673
+95% on 2024
GHc37M
Value at risk on PSP rails, up from GH¢19m
2022 to 2025
+98%
Growth in PSP fraud cases over four years
−34% on 2024
472
Fraud cases at banks, down from 716, as attackers move elsewhere
Bank controls are working, so attacks have moved.
Onboarding is settled. Assurance on every login, payment and reset after it is not. That is where the CISD will measure you.
The bank and wallet boundary is exposed.
Inside banks, e-money fraud rose from GH¢3.5m to GH¢4.6m. The Bank of Ghana links the shift to PSP growth in transaction volumes and lower digital literacy among users.
Cyber fraud keeps rising.
The Cyber Security Authority recorded GH₵4.4m in cyber fraud losses in Q1 2025, up from GH₵2.4m a year earlier. Online fraud made up 47% of the 3,876 incidents CERT-GH logged from January to July 2026.
THE MORNING . 22 OCTOBER
Two questions. Two panels. Six tables of peers.
Each block opens with a short technical briefing and moves straight into discussion. You spend more of the morning talking than listening.
08:45 Coffee and arrivals
​
​
09:15 The question for the morning
After Day One, what does a bank actually know about who is on the other side?
​
​
09:30 The 2025 fraud picture, by type
Not the headline total. Which attacks are rising, which your
controls are already beating, and where yours sits.
Bank of Ghana (invited)
​​
​
Block 1 · Attacks on the human layer
​
09:50 Liveness, synthetic identities and duplicates
How presentation attacks, fabricated identities and repeat
enrolments get past biometric checks, and what stops them.
Technical briefing · Trust Stamp
​​
​
10:05 Panel
The evolving fraud landscape
Where identity-led fraud is landing now, including the boundary between bank and mobile-money rails.
​​
​
10:45 Coffee
​​
​
Block 2 · Sovereign by design
​
11:05 Sovereign by design, for identity and AI
What it takes to keep biometric identity, and the AI that acts on it,
under your control once the card can no longer be kept.
Jonathan Patscheider · Trust Stamp and Sovereign Technology Centre
​​
​
11:20 Panel
Sovereign by design in practice
Where your identity data lives, who controls it, and how you would evidence that to your board and against the CISD.
With Jonathan Patscheider
​
Your turn
​
12:00 Roundtable
Six tables, one question each
Work one live problem with the peers who face it. No slides, no audience.
Facilitated by Russell Hagan, CIO, Onpoint
​​
​
12:40 What the room concluded
The answers from all six tables, drawn together before you leave.
WHAT YOU TAKE HOME