Ebtekar and Evina say their controls block more than 99.94% of monitored fraud attempts in Libya. The companies' figures have not been independently verified, while the country's wider push to expand electronic payments has put consumer protection and payment security in focus.
In 2023, Ebtekar became Master Aggregator for Libya's two main mobile operators. The company and Evina say their controls now block more than 99.94% of fraud attempts on monitored direct carrier billing (DCB) payment pages before users are affected.
That rate has not been independently confirmed in the available reporting. The partners say they built security, compliance and consumer protection into the service from the start, instead of adding controls after fraud problems appeared.
Controls cover the payment journey
Evina says DCBprotect monitors payment pages for illegitimate traffic generated by bots and technical exploits. ComplianceProtect checks partners' payment flows against applicable requirements. BrandProtect monitors websites and ads for breaches of payment-journey rules.
A billing problem can begin before a customer reaches the payment page. Ebtekar's monitoring checks whether users intended to buy, whether payment journeys follow applicable rules, and whether ads or subscription flows could mislead consumers.
The technical checks also target malware, hacking techniques and attempts to intercept or bypass one-time password authentication. The companies say each transaction is analysed in less than 100 milliseconds. They also report that all monitored payment journeys comply with applicable regulations.
The figures remain unverified.
Deterrence is the bigger test
After an Evina study in August 2026, the companies said Libya had five times less inauthentic traffic and fewer fraud attempts than other major markets across the Middle East and North Africa. They say the difference may reflect deterrence: attackers could see too little potential return in a market where controls make fraud harder.
The available evidence does not independently establish that comparison. Nor do the reported results alone show how well the system protects consumers over time.
Continuous monitoring can give operators a view of partner activity. Merchants may also receive feedback on problematic campaigns, so teams can address issues before complaints, refunds or operator intervention. The value of that approach depends on transparent measurement, ongoing oversight and evidence of better consumer outcomes.
Libya's wider digital-payments agenda provides context, but it does not verify Ebtekar and Evina's figures. An-Nahar has reported on the Central Bank of Libya's efforts to expand electronic payments and reduce reliance on cash. The report also noted concerns about protecting payment systems and data from cyber risks. The Central Bank of Libya is central to that policy environment.
Electronic transactions have also been encouraged through lower POS fees. CONVEN.ORG reported that the Central Bank of Libya cut POS transaction charges from 3.75% to 1% or 1.5%, depending on the transaction type or service category. The change shows continued development of the electronic-payment infrastructure. It does not prove that DCB fraud controls work.
The risks are real.
CONVEN.ORG reported a WhatsApp-related fraud case involving 49,000 Libyan dinars. Wahda Bank then warned customers to take care with online transactions. Payment providers need to account for social engineering and account compromise, not just technical attacks on payment pages.
Ebtekar Chairman Muaad El Ghdamsi said the company valued Evina's technology, expertise and proactive monitoring. He called Evina an operational partner whose feedback helped strengthen internal processes and campaign governance. Those are the chairman's views, not independent assessments of the partnership's results.
Libya's work on operational capacity includes a national warning roadmap. That initiative concerns hazards, not payment abuse. The DCB case is more specific: can controls built into a commercial service protect consumers without undermining the ease and speed that make carrier billing attractive?
Evina CEO David Lotfi said the partnership helped make Libya one of the safest markets in the region. That is the company's assessment. The broader question is whether security built into a service from the start can deliver measurable protection. Libya's model does not eliminate fraud. It puts prevention, compliance and accountability into the product from day one, but independent evidence is still needed to show the scale of its impact.
