Positioning the Ghana Card as Foundational Digital Infrastructure: From Identity to Infrastructure

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Positioning the Ghana Card as Foundational Digital Infrastructure: From Identity to Infrastructure

The Ghana Card since its inception has been touted as the foundational digital identity for Ghana. Based on the maturity of use, I believe the Ghana Card is no longer just an identification document—it is being operationalized as core infrastructure for governance, automation, and service delivery. It reflects the state’s evolving position that identity is not merely bureaucratic—it is foundational to enabling an efficient, inclusive, and innovation-ready economy.

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What Airtel Money’s Comeback against M-Pesa in Kenya teaches about Challenging Market Giants

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What Airtel Money’s Comeback against M-Pesa in Kenya teaches about Challenging Market Giants
For years, Safaricom’s M-Pesa was the immovable force in Kenya’s mobile money market. It dominated not only customer wallets but also public imagination, with over 90% market share and a network so vast it became synonymous with mobile money itself.
But quietly—and strategically—Airtel Money has staged a comeback. It didn’t happen overnight, and it didn’t happen by mimicking M-Pesa’s dominance. Instead, it was a masterclass in what challenger telcos can do right when facing a Goliath.
Kenya’s story offers rich lessons—and data—to learn from.

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The New Bank Of Ghana Corporate Governance Rules Signals a Call to Maturity for Fintech’s by the Regulator(..Is this an Africa Trend ?)

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In June 2025, the Bank of Ghana released its Corporate Governance Guidelines for Payment Service Providers. At first glance, it might seem like just another compliance update—but read between the lines, and you’ll see something deeper.
This is a call to leadership.
These guidelines don’t merely set minimum standards. They signal the central bank’s expectation that Ghana’s digital finance sector is no longer in its experimental phase. It is systemically important. And with that importance comes accountability, transparency, and—most importantly—governance maturity.
Ghana is not alone. Across Africa, fintech is growing up—and regulators are making it clear: scale must now be matched with structure.

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Bank of Ghana Governor Asiama’s Digital Finance Playbook: Quiet Revolution, Bold Stakes, and Ghana’s Fintech Future

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For all its clarity, the Governor’s strategy is still early-stage. Questions remain:
• Will the central bank invest directly in shared infrastructure, or depend on industry?
• Can digital identity initiatives integrate seamlessly with national ID systems?
• Will commercial banks respond with bold enough product pivots?
• Can government agencies align around identity and infrastructure without bureaucratic drag?

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Africa’s Digital Sex Economy is quietly growing and investors are funding it : Size, Trends, and the New Hustle

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Africa’s Digital Sex Economy is quietly growing and investors are funding it : Size, Trends, and the New Hustle
Across Africa’s urban hubs—from Lagos to Johannesburg, Accra to Nairobi—a new economic frontier is quietly booming: the digital sex economy. Once confined to the backstreets and brothels, sex work has now migrated to private screens and subscription platforms. Powered by mobile technology, platforms like OnlyFans, Telegram, WhatsApp, and anonymous digital wallets, a new generation of African women (and some men) is reimagining how sexual labor is marketed, monetized, and consumed.

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Decoupling SIM Cards from Mobile Money: A Critical Path for Smaller Operators to Compete?

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Decoupling SIM Cards from Mobile Money: A Critical Path for Smaller Operators to Compete?
In many African markets, including Ghana and Kenya, mobile money remains tightly coupled to SIM card ownership. Your phone number is your wallet. While this integration worked brilliantly to drive initial adoption, it has also cemented the dominance of major telecom providers who control both mobile connectivity and financial access.
But what if we rethought this model? What if smaller mobile money operators could decouple SIM registration from mobile wallet ownership — allowing customers to use their services without first becoming phone service subscribers?

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Building In-House AI Capacity in Banking: A Director’s Guide to What to Hire and How to Hire

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Building In-House AI Capacity in Banking: A Director’s Guide to What to Hire and How to Hire
Why Build AI Capacity Internally?
Artificial Intelligence (AI) is no longer a future concept — it is reshaping banking today. From detecting fraud in real-time to helping customers get faster loan decisions, AI has the potential to significantly increase efficiency, improve risk management, and enhance customer experience.
However, relying solely on outside vendors means you:
• May not fully own your data insights.
• Lose flexibility in tailoring solutions to your unique needs.
• Risk exposing sensitive customer data.
Building internal AI capacity allows the bank to:
• Control and secure its most valuable asset — customer and operational data.
• Develop models and systems that are custom-fit to the bank’s goals and compliance environment.
• Respond quickly to changing regulatory demands and market conditions.

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Making the Case for Open Banking in Ghana: A Strategic Imperative for the Bank of Ghana

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A New Way to Power Finance in Ghana Imagine being able to use a single mobile app to see your bank accounts, mobile money wallets, savings, insurance, and even your loan eligibility—all in one place, in real-time. Now imagine that app recommending the best savings plan or offering a better loan deal from a different bank with just a few clicks. That is the power of Open Banking.

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