Systematic literature review identifies gaps in fraud prediction methods for mobile money services, highlighting phishing and spoofing as key threats.
Mobile money services have become essential in providing financial inclusion, particularly in underserved and developing regions, by enabling access to banking, payments, and commerce through mobile devices. Despite their benefits, these services are increasingly targeted by fraudsters employing sophisticated text‐based schemes such as phishing, spoofing, and fraudulent short message services (SMS) verification codes. This review of the literature examines how to predict and stop text‐based fraud in mobile payment systems. In this review, we systematically analyzed 160 studies from eight databases between 2017 and 2023 to measure, map, and investigate papers released during this period. Research gaps in mobile money payment systems (MMPS) have been highlighted, along with prevalent fraud types that occur in these systems. There was not a single paper that used the NLP approach to identify fraud in MMPS.
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Sayibu et al. (2025) studied this question.
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