Features
Stealing from my Momo wallet

- /home/u249204778/domains/spectator.com.gh/public_html/wp-content/plugins/mvp-social-buttons/mvp-social-buttons.php on line 27
https://spectator.com.gh/wp-content/uploads/2021/11/Stealing-from-my-Momo-wallet-Pix.jpg&description=Stealing from my Momo wallet', 'pinterestShare', 'width=750,height=350'); return false;" title="Pin This Post">
- Share
- Tweet /home/u249204778/domains/spectator.com.gh/public_html/wp-content/plugins/mvp-social-buttons/mvp-social-buttons.php on line 72
https://spectator.com.gh/wp-content/uploads/2021/11/Stealing-from-my-Momo-wallet-Pix.jpg&description=Stealing from my Momo wallet', 'pinterestShare', 'width=750,height=350'); return false;" title="Pin This Post">
I have always prided myself as a smart Alec. I have tried to be ahead of evildoers, scammers and other fraudsters. As a result, I have never used an ATM card for bank transactions. Not that I ever had so much to be afraid of losing. There is an Ewe proverb which translates to mean that even if you don’t have anything of value, you still have to lock your door.
I got my first MTN Sim Card in 2002 after having used a tiGO one when that company started as Mobitel. The number began with 0244 because that was what the NCA had granted the company at the time it began operations. I still have that number which I registered a money transfer regime with, after pressure from people who would want to transact money transfer business with me.
Then about six years ago, I visited a cousin who was a Medical Officer in Cape Coast to spend a couple of days. On the morning of the second day an SMS pop-up showed on the screen of my phone from a strange number purporting to have credited my MoMo account with over a thousand cedis. What intrigued me was that the balance as indicated from this “transfer” actually showed that if I subtracted the purported addition I would still be left with the amount already in the account.
Suddenly a call came through from someone claiming to have inadvertently credited my account with a thousand that was meant for someone else and that I should go through a certain process to revert the money to him. He claimed he was calling from Winneba. I told him that because it came from a certain number I was only going to resend his text to him so he could have his money. I did not understand the method he wanted to show me and I told him I was not conversant with what he wanted me to do. I told him I was going to Pedu to get it transferred back to him and he agreed.
I quickly drove to Pedu, told a vendor that cash was accidentally dropped into my account and that he should reverse the transaction for me. He took my word and started the process, then realised that the amount in my wallet was not up to a thousand so he could not continue. I did not understand until he scrutinised what was on my phone. “Money transfers don’t come as text message from numbers, Sir. They come with Mobile Money,” he quipped and said it was a scam. The bloke at Winneba called to check if I had done the transfer. Before I could say he was a fool, he hung up.
Before the end of that day I had eight calls from people claiming to be at Kasoa and had moved various sums into my MoMo wallet and asking me to check my account balance in case there was no notification on the screen of my phone. I wondered why my number was a target. How did they get my phone number in the first place? When I tried to find out, I was told these scammers dial numbers randomly, but it turned out that their main targets were numbers beginning with 0244 because that was the initial prefix from MTN so the users were likely to be the elderly who were not technology savvy to suspect they could be victims of a scam.
Their modus operandi has changed over the years. The moment a substantial amount of money hits my phone, a message would pop up asking me to enter my PIN code to complete a “Cash Out” transaction. The latest was just a couple of days ago and the destination was to GCB Bank. I called a friend at one of the branches of the bank just to ask a few questions. The bank was likely to be a victim as well.
I have spoken to the numerous friends who work at MTN. Their response was that under no circumstance should I ever enter my PIN code if I did not authorise any transaction because the fraudsters cannot do that on my behalf. But these scammers never let up. They would call and if they realised that you detected they were fraudsters, another person would call, claiming to be a staff of MTN, to inform you that the previous caller was a fraudster and that you must follow certain steps to protect your account being scammed. In my case, this particular scenario only plays out when I am driving. And it has happened more than 20 times in just a couple of months.
Only last week, I chanced upon a young man who is a mobile money vendor. I poured out my encounters with these scammers and wondered how they could detect a cash lodgement into my account because the latest one requested my PIN code for the transfer of an odd 1,472 cedis. How did the scammer ask for the transfer of that amount? The young man told me these fraudsters have accomplices in the Telcos, in my case, the MTN. The accomplices follow all transactions of clients and relay the information to the scammers and when people fall victim, the proceeds are shared among them.
According to this guy, the scammers are mostly semi-literate or school dropouts who do not have the technological capacity to run the system of the Telcos to follow people’s financial transactions, unless there is someone from the inside. I believed him because the English these scammers speak makes me wonder if the Telcos conduct proper interviews if these blokes were really their staff. Videos abound on social media on the activities of these fraudsters, yet their activities continue unabated.
I am on tiGO-Cash and V-Cash as well, but I have had not a single issue with scammers on their platforms. It’s only MTN. They might be the market leader so they easily attract the hoodlums, but do they have any system in place to monitor the conversations between their staff in the sensitive money area with their clients or partners in crime? If, indeed, there are moles in the Telcos there must be a way to flush them out.
The mobile money is great service for the ordinary folks like me and my relatives in the countryside and everything must be done to protect us from societal deviants and criminals.
If the activities of these criminals were not lucrative they would have folded up by now. Customers need to be protected because not all of us understand what these transactions on these devices entail. The regulators must find a way to ensure that clients of these mobile money regimes are protected. They should not only concern themselves with revenue they get from the operators. They should not allow stealing from our MoMo wallet.
Writer’s e-mail address:
akofa45@yahoo.com
By Dr. Akofa Segbefia
Features
International character of Ghanaman and more

The average modern Gold Coaster born and bred in Sikaman is an adventurous creature. Go to any part of the world and you’ll find Ghanaman diligently slugging it out either in the snow or in hot sweltering weather, earning a decent living.
Go to Guinea and see Ghanaman in the garb of a herbalist, curing the sick of various ailments. He makes the Guinean understand that not all diseases are caused by James Lucifer alias Jimmy Satan. On the contrary, most diseases are caused by kooko which can even attack the human nose and turn it upside down.
That kooko is also the cause of poverty and the internal bleeding of personal back-pocket economies. And that kooko can be cured using the chemistry underlying Sikaman herbal medicine which has been blessed by the gods of Larteh.
And before Ghanaman starts dispensing his herbal concoctions, he must attract the passing crowd with some Sıkaman-originated choreography, akin to a combination of adowa and agbadza, such that the dancer can easily dislocate a shoulder and start crying for his mother.
When the crowd is enough to form a quorum, Ghanaman must perform magic as a side-attraction, and proceed to sell his drugs. The drugs are genuinely made from potent herbs which the Pharmacy Board of Sikaman says it has no confidence in. Believe me, Ghanaian herbalists are practising in neighbouring countries like Guinea, Cote d’Ivoire, Sierra Leone and Benin, while we are discouraging them from practising in Sikaman.
Go to Las Palmas and see Ghanaman as a fisherman. He sails on Korean-owned boats and is forced to eat garlic and raw tuna for radiant health. The garlic is also supposed to protect him against witches. But sometimes, he is not good bedfellows with some Korean crew members, and once in a while a fight breaks out.
The typical Korean is a Kung Fu expert and before displaying a golden dragon data. He must first terrify Ghanaman with a Korean dance which consists of wild arms and leg throwing. But Ghanaman is usually not daunted. Why has he been eating cancer kenkey all years without developing cancer? It mean is a superhuman capable of countering Kun fu side-kicks to the ribs.
Anyhow Ghanaman’s most potent arsenal lies in his fists. If he is a southpaw, it mean left fist is probably insured and can cause damage. When Ghanaman lands a cassava blow and it lands on a Korean chest, it has the effect of a cruise missile. If there is no ceasefire a funeral cannot be ruled out.
Greenland
Go to Alaska and find Ghanaman there. Greenland, Iceland, Brazil, Argentina, Madagascar, everywhere and you’ll find him. He has become an international citizen and is generally lauded for his hardwork, sincerity and honesty.
However, some bad nuts are also condemned and despised.
The world and all its parts and corners are for the human race, and anyone can choose to live anywhere and earn a decent living so long as he doesn’t misconduct himself or become a social misfit and a law unto himself.
Sıkaman for instance accepts foreigners, and we are so liberal that people just come in through our borders and we welcome them with the best palmwine in town and goat light soup. Who cares about passports and visas? Our hospitality is, as it were legendary.
So we have Liberians, Nigerians, Sierra Leoneans, Togolese, Europeans, Americans, Scandinavians and Koreans in Sikaman. And some of them have misinterpreted our overzealous accommodation to mean “foolishness” and are misconducting themselves.
The newspapers carry stories of some unscrupulous Nigerians stealing, defrauding and collaborating with their Sikaman counterparts to rob people. You’ll find some good and law-abiding Liberians around but some other Liberians are in the business of fraud, robbery, money printing, money doubling, anything criminal.
Ghanaian hospitality can no longer be extended to such people. I do not think Ghanaians will be treated kindly either, when they misbehave anywhere in the world. Those who come from outside with the intention of bringing down their evil deeds and to practise them here professionally must be getting ready because Ghanaians are getting fed up with the menace.
These days, you’ll find strange people following you as soon as you emerge from a bank. If you are not careful, they’ll wrestle your briefcase from you and speed away in a waiting taxi.
Someone was just saying that many foreign criminals are flocking to Ghana because in their countries, they are enable to operate either because they are being looked for by the police for offences committed or fear instant justice at the hands of mobs. Ghanaians, it is said, are humanitarian in dealing with criminals.
Well, in some African countries, a thief who is being chased runs directly to the police station in his own interest and begs the officer at the counter to lock him up. Otherwise he’ll be lynched or be burnt to death. In Ghana, it is the opposite. The thieves run far away from the cop stations.
The criminals must reform and stay peacefully in Sikaman or quit. No court case!
This article was first published on Saturday September 5, 1998
Features
The architecture of existence: How we live and die
The human condition is defined by two absolute, biological bookends: the commencement of complex cellular animation and its ultimate, irreversible cessation.
For centuries, medicine treated life and death as strictly separate states. Today, modern pathology and molecular biology reveal a more profound truth: the mechanisms that allow us to live are the exact same mechanisms that dictate how we die.
Understanding this relationship is no longer just a philosophical pursuit. It is a clinical necessity for managing public health in the 21st century.
Part I: How we live – The mechanics of animation
At its core, biological life is a continuous, high-stakes battle against entropy (the natural tendency of systems to degrade into disorder). To maintain form, consciousness, and function, the human body relies on three fundamental pillars:
1. Cellular respiration and energy production
Every second of human life is powered by the conversion of oxygen and glucose into Adenosine Triphosphate (ATP), the universal energy currency of our cells. This process occurs within the mitochondria.
Without a constant supply of ATP, the microscopic pumps that maintain electrical gradients across our cell membranes fail, causing cellular collapse within minutes.
2. Homeostasis: The balancing act
To survive, the internal environment of the body must remain incredibly stable, regardless of external chaos. This balancing act, known as homeostasis, regulates:
Blood pH: Strictly maintained between 7.35 and 7.45.
Core Temperature: Ideally kept around 37°C (98.6°F).
Electrolyte Balance: Precise ratios of sodium, potassium, and calcium that allow nerves to fire and muscles to contract.
3. The Autonomic Nervous System (ANS)
The ANS acts as the invisible conductor of life, split into two complementary branches:
Part II: How we die – The path of cessation
Death is rarely a singular event; it is a progressive biological cascade. Whether caused by old age, chronic illness, or sudden trauma, the final pathways of mortality generally follow a predictable trajectory.
1. The cellular horizon: Senescence and Apoptosis
Every time a human cell divides, the protective caps at the ends of its chromosomes-telomeres-shorten. Eventually, telomeres become so depleted that the cell can no longer divide safely. It enters senescence (a state of permanent arrest) or triggers apoptosis (programmed cell death). This gradual, systemic loss of cellular renewal is the underlying engine of aging.
2. The clinical cascade of somatic death
When the body can no longer maintain homeostasis, somatic death (the death of the organism as a whole) begins. This occurs in a distinct sequence:
1
Clinical Death
Zero to four minutes
The heart stops pumping blood, and respiration ceases. While breathing and circulation have ended, the body’s tissues still contain residual oxygen and cellular energy reserves. At this stage, resuscitation is often still possible.
2
Brain Death (Infarction)
Four to six minutes
Deprived of fresh oxygenated blood, the brain’s highly sensitive neurons begin to starve. Lacking ATP, the brain cells lose their electrical charge, swell, and begin to burst. Permanent, irreversible neurological damage occurs within minutes.
3
Biological Death
Hours to days
The organs fail entirely. Without central control or blood flow, individual cells throughout the body consume their final energy reserves. Enzymes that once aided digestion begin to break down the body’s own tissues from the inside out, a process known as autolysis.
Part III: The modern collision of life and death
In the modern era, the boundary between how we live and how we die has blurred. Historically, humanity died primarily from infectious diseases and acute trauma. Today, global mortality is dominated by non-communicable, chronic lifestyle diseases.
Modern Pathology: How we live (the cause) how we die (the result)
Cardiovascular disease, chronic stress, poor diet, and lack of sleep keep the sympathetic nervous system hyper-activated, damaging blood vessels .Occlusion of coronary arteries leads to myocardial infarction (heart attack) or ischemic stroke.
Metabolic syndrome over nutrition and physical inactivity overwhelm cellular mitochondria, leading to systemic insulin resistance. Multi-organ failure, chronic kidney disease, and severe vascular complications.
Neurodegenerative Disorders Chronic systemic inflammation and sleep deprivation prevent the brain from clearing metabolic waste. Gradual loss of synaptic connections, leading to dementia and the eventual loss of basic autonomic functions.
Conclusion: The unified theory of health
Ultimately, how we live directly shapes the path of how we die. The micro-choices of daily existence-how we manage emotional stress, the quality of our rest, our communal connections, and our nutrition-either preserve the integrity of our homeostatic systems or accelerate their decline.
True medical advancement is shifting away from merely extending the final, frail stages of biological death. Instead, the focus is turning toward optimising our living years-ensuring that the intricate, beautiful machinery of human animation runs smoothly until its natural, quiet conclusion.
By Robert Ekow Grimmond-Thompson




