MoMo: A Threat Corpus and Evaluation Framework for Mobile Money Fraud Resistance in Swahili, Wolof, and Hausa

Mufaro Rukuni

Mobile money platformsM-Pesa, Orange Money, and Wave among themnow mediate

nancial life for more than 500 million people across Sub-Saharan Africa, and have become

a correspondingly attractive target for social-engineering fraud conducted in local languages

and idioms that mainstream AI safety evaluation rarely covers. We present MoMo, a struc-

tured threat corpus and evaluation framework for benchmarking large language model (LLM)

resistance to generating localized mobile money fraud content in Swahili, Wolof, and Hausa.

MoMo organizes fraud scenarios along a six-category attack taxonomy (SIM-swap, agent

impersonation, lottery/prize lures, OTP phishing, emergency urgency, and overpayment

scams), crossed with six socioeconomic hooks and six victim personas, and pairs this cor-

pus with an asynchronous evaluation harness that scores model outputs using rule-based

red-ag detection, an LLM-judge rubric, and a locale-aware aggregator producing a 0100

Model Safety Score (MSS). A dening design choice is a two-tier access model: full attack

scripts are withheld from public release and gated behind a vetted-researcher Data Use

Agreement, while a public stub corpus (script metadata, taxonomy labels, and SHA-256

hashes) supports CI, reproducibility checks, and open auditing without creating a ready-

made social-engineering playbook. We describe the corpus schema, the native-speaker an-

notation pipeline built on Label Studio, and the evaluation harness architecture, and report

a pilot evaluation against two NVIDIA NIM-hosted Llama 3.1 models (8B and 70B) that

found refusal rates under 10% across 171 fraud scenarios, with the larger model substan-

tially more compliant than the smaller one and with the lowest refusal rates on emotionally

manipulative attack framings. We discuss the engineering and governance trade-os in-

volved in building a dual-release safety benchmark, alongside the measurement limitations

of the current rule-based scorer. The main takeaway is that benchmarking AI safety for

underserved linguistic markets requires infrastructureaccess control, annotation tooling,

and locale-aware scoringand that, on this preliminary evidence, current open models show

weak resistance to localized mobile money fraud

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Cite this work

@misc {

title={

(HckPrj) MoMo: A Threat Corpus and Evaluation Framework for Mobile Money Fraud Resistance in Swahili, Wolof, and Hausa

},

author={

Mufaro Rukuni

},

date={

},

organization={Apart Research},

note={Research submission to the research sprint hosted by Apart.},

howpublished={https://apartresearch.com}

}

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This work was done during one weekend by research workshop participants and does not represent the work of Apart Research.
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