Measuring Consumer Exposure to Harm.
The CVI is a proprietary composite indicator of how exposed Ghanaian consumers are to financial, digital, informational, contractual and marketplace risks — derived from aggregated, anonymized signal across the GCIN network.
Composite of 7 weighted dimensions. Higher = greater consumer risk.
Each dimension is scored 0–100 and weighted into the national CVI. Literacy and resolution access invert (lower = more vulnerable).
Debt stress, predatory lending exposure, hidden fees, over-indebtedness.
Mobile money fraud, online scams, phishing, identity theft.
Misleading ads, unclear T&Cs, contract complexity, weak disclosure.
Education engagement, rights awareness, complaint-process knowledge.
Complaint growth, repeat complaints, service & product failures.
Channel awareness, ease of filing, regulator access, follow-up success.
Scam prevalence, counterfeits, emerging scam clusters, fraud by region.
Eight-month CVI history with 30-day, 90-day, 6-month and 1-year forecast bands.
Aggregated regional CVI. District, municipal and neighborhood layers available to regulators.
Fifteen sectors scored continuously. Mobile money, fintech and telecoms remain the most vulnerable surfaces.
Vulnerability scores by demographic and behavioral segment. Used by regulators and partners to prioritize protective interventions.
Automated narratives from the GCIN models surface scam clusters, contractual abuse and literacy gains as they emerge.
Digital vulnerability rose 12% on the back of mobile-money reversal scams and phishing waves across Greater Accra and Ashanti.
Consumer literacy improved 4 points among youth (18–24), driven by campus campaigns and short-form video education.
Emerging investment-scam cluster detected in Northern Region — 38 related complaints in 14 days, recommend regulator advisory.
Contractual abuse pattern in telco bundle offers: 1 in 4 complainants did not understand auto-renewal terms.
All CVI outputs are derived from aggregated, anonymized signal. No personal identifiers, no individual complaints, and no public disclosure of unverified allegations. Built for Ghana, designed for Pan-African deployment — Nigeria, Kenya and South Africa adaptations support country-specific risk factors and regulatory contexts.