Stephen Kotochie

I am Stephen Kotochie, a PhD candidate in Development Studies at ISSER, University of Ghana, driven by passion to explore digital financial innovation and its real-world impacts on poverty alleviation.
Stephen currently holds a master’s and a bachelor’s degree in economics, both from the University of Ghana. My master’s thesis explored the link between religiosity, poverty and food security in Ghana. These experiences sparked my interest in digital finance innovation which has emerged as a major tool in the fight against poverty, shaping my decision to pursue doctoral studies.
My current research examines factors that predispose mobile money users to fraud and how victims navigate the existing redress system. I am particularly interested in the challenges users face while reporting fraud, with the expectations of an outcome that will shape policy and practice on consumer protection in the emerging digital finance ecosystem of Ghana.
Beyond research, I have also engaged in teaching, monitoring and collaborative projects, which has strengthened my skills in communication, critical thinking and teamwork.
Outside academia, my interest lies in sports, especially football. I also like to take part in volunteerism in my community. This helps provide balance and creativity in my work. My journey as a young researcher has been both challenging and rewarding, and I am excited to contribute further to the vibrant intellectual community, fostering knowledge, innovation and meaningful collaborations.