Detecting Consumer Risk Before Harm Occurs.
The MRI is the consumer-protection equivalent of central-bank financial stability monitoring — a real-time composite of fraud exposure, complaint escalation, product safety, digital commerce risk, non-compliance, conduct and emerging threats.
Higher = greater systemic consumer risk. Used by regulators to prioritize action.
Live composite drawing from complaint clusters, behavioral anomalies and external risk feeds.
Scam reports, fraud trends, counterfeits, identity theft, financial fraud signals.
Complaint growth rate, severity growth, repeat patterns.
Unsafe products, recalls, quality failures, hazard indicators.
Online shopping fraud, fake vendors, payment fraud, platform abuse.
Compliance failures, enforcement actions, repeat violations.
Hidden fees, misleading advertising, exploitation, unfair contracts.
AI-detected anomalies, new scam patterns, novel risk indicators.
Eight-month MRI history with 30-day to 1-year forecast bands.
AI-detected clusters under regulator review. No individual businesses are identified publicly.
Aggregated regional MRI with 30-day movement.
Fifteen sectors continuously surveilled.
Continuous monitoring across complaint clusters, fraud patterns, sector deterioration and emerging exploitation tactics.
Market risk rose 2 pts on a surge in mobile-money reversal scams across Greater Accra.
Counterfeit cosmetic activity detected across Kumasi, Tamale and Takoradi — coordinated supply pattern likely.
E-commerce risk remains elevated; payment-fraud and delivery-failure complaints persist for the 4th consecutive month.
Emerging threat: AI-voice impersonation scams targeting banking customers — 18 cases in 9 days.
MRI uses aggregated and anonymized signal with strict audit logging and role-based access. Public dashboards show risk levels, sector rankings and consumer alerts — never raw complaints or identifiable business accusations.