This article examines Mobile Money Security: M-Pesa, Fraud Risks, and Consumer Protection in East Africa: Institutional Capacity and Political Will with a focused emphasis on Angola within the field of Political Science. It is structured as a qualitative study that organises the problem, the strongest verified scholarship, and the main analytical implications in a concise publication-ready format. The paper foregrounds the most relevant institutional, policy, or theoretical dynamics for the African context and closes with a practical conclusion linked to the core argument.