Africa: Guide - Scam Trends to Watch Out for in 2026 and How to Stay Safe Online
AllAfrica
by info@africacheck.org (Africa Check)February 20, 2026
AI-Generated Deep Dive Summary
In 2025, Nigeria saw a surge in online scams, ranging from fake bank impersonations on Facebook to fraudulent investment schemes. As technology advances, scammers are increasingly using artificial intelligence (AI) tools to create more convincing and damaging frauds. In 2026, experts predict that these AI-driven scams will become even more prevalent, targeting individuals and institutions with alarming precision.
One emerging trend is the use of deepfakes—AI-generated videos or images that mimic celebrities or public figures. These are used to promote fake products, investment opportunities, or government relief programs. For instance, videos impersonating Nigerian celebrities like Aproko Doctor and Ngozi Okonjo-Iweala have been created to push fraudulent schemes. Scammers also manipulate still images of individuals to create fake social media profiles, duping victims into sharing personal information or money.
Another growing threat is the cloning of bank websites and creation of fake accounts on platforms like X (formerly Twitter). These imitations deceive users seeking help with banking issues, leading to financial losses. For example, a Nigerian lost $1,500 after being directed to a fake United Bank for Africa account. Scammers often exploit economic challenges or government programs, creating false narratives about relief funds or grants to steal data or money.
To stay safe, individuals should be vigilant about their online presence. Regularly checking social media accounts and searching for unverified profiles using one’s name can help identify fake accounts. Avoiding suspicious links and verifying the authenticity of messages from banks or government agencies is also crucial. Experts advise staying informed about AI capabilities to better recognize and avoid these sophisticated scams.
This rise in AI-driven fraud highlights a broader global concern. As Nigeria becomes a hub for digital scams, other regions may face similar threats. The evolution of scam tactics underscores the need for heightened awareness and proactive measures to protect personal information and financial security. Staying informed about these trends is essential for anyone navigating the online world, particularly in Africa and beyond.
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Originally published on AllAfrica on 2/20/2026