Machine Learning-Based Detection of Mobile Money Scan Messages in Ghana: A Comparative Evaluation of Naive Bayes, Support Vector Machine, and Randon Forest Classifiers

Ibrahim Salifu, Muhaisin Tiyumba Nantogmah

Mobile money (MoMo) is Ghana's preferred retail payment channel, recording GHC518.4 billion in transactions in December 2025 and over 26.7 million active accounts (Graphic Online,…