Module 13 · Consumer Harm Forecast · Future CHI

Estimated consumer harm — next quarter

The Consumer Harm Forecast quantifies the economic and social harm Ghanaian consumers are projected to suffer if current trends continue. It will consolidate into the Consumer Harm Index (CHI) — the observatory's sixth flagship metric.

Predicted losses
GHS 14.65M
Consumers at risk
184,000
Scam exposure
GHS 8.90M
Avg resolution burden
42 days
Composite severity
64 / 100

Severity is a weighted blend of financial loss magnitude, breadth of impact, and recovery difficulty.

Harm severity64
Harm by sector
Mobile MoneyGHS 5.20M · 35%
E-CommerceGHS 3.10M · 21%
BankingGHS 2.40M · 16%
Digital LendingGHS 1.85M · 13%
InsuranceGHS 1.10M · 8%
OtherGHS 1.00M · 7%