← Digital Banking and Fintech Integration

Fraud and cyber hygiene

Module 05 / 5 · 65 min

The fraud and cyber threats in digital channels, what to do when fraud happens, the bank's awareness duties and the course capstone role play.

In this module you will learn to

Recognize SIM swap, social engineering, phishing, agent fraud and insider risk
Respond to a fraud report in the right order: block, record, escalate, report
Explain the customer fraud awareness duties in NBE instruction FCPED/142/26
Score a digital onboarding and complaint role play against a rubric

Built on

Erudite Africa Ethiopian context module, topic 1.h Digital Banking and Fintech Integration, Level 1 Beginner (October 2026)
NBE Proclamation No. 1359/2025, NBE Directive ONPS/09/2023 and NBE Instruction FCPED/142/26, as cited in the lessons
National Payment System Proclamation No. 718/2011 as amended by No. 1282/2023, and the payment system operator, consumer protection, electronic transaction, data protection and national ID texts marked reported in the lessons
NBE Risk Management Guidelines (May 2010)
National Financial Inclusion Strategy II (2021 to 2025) and the Digital Ethiopia 2025 strategy

Examples and companies are fictional. Bank practices are shown as typical Ethiopian practice, not as any one bank's policy. Always apply your own institution's approved policy and the current NBE directives.