Tag: strategy

A Board Governance Playbook : When a Private Company Becomes Critical National Infrastructure

Boards of companies that operate at national scale payment platforms, dominant mobile networks, carrier-neutral data centres need to ask a different set of questions than they currently do. The standard governance framework asks about uptime, cyber risk, and compliance. When you become nationally critical, the questions become sharper.
a private system becomes nationally critical when its failure stops being a company incident and starts being a country incident.
You know you are there when an outage affects multiple sectors simultaneously. When regulators convene industry players in emergency mode. When business continuity is no longer an internal SLA conversation, but a public-interest question.
Examples of private-sector operators that often meet this criteria
This is not a claim that any specific firm has been formally designated as critical infrastructure. It is a practical observation: in many African markets, the private operators below often meet the criteria because of scale, substitutability, cross-sector dependency, and the speed at which disruption becomes a public-interest issue.
1. Subsea cable systems, landing operators, and international capacity providers (private)
Why they often qualify: multi-country spillover, limited short-term substitutes, long repair timelines. (internetsociety.org)
2. Real-time payment platforms operated by private, industry-owned operators
Why they often qualify: when real-time bank transfers become mainstream, they become part of the economy’s “always-on” expectation.
Kenya example: PesaLink states it is operated by Integrated Payment Services Limited (IPSL), a subsidiary of the Kenya Bankers Association, providing 24/7 365 real-time payments for the banking industry. (pesalink.co.ke)
3. Dominant mobile network operators and mobile money platforms (private)
Why they often qualify: network effects + everyday commerce dependence; disruptions immediately affect households, merchants, and service delivery (which is why downtime starts to look like utility maintenance). (the-star.co.ke)
4. Large carrier-neutral data centres hosting essential workloads (private)
Why they often qualify: as regulated and public-interest workloads concentrate into a small number of facilities, continuity risk concentrates too—making resilience and disclosure expectations inevitable.

What event turns us from a national champion into a national risk overnight? If regulators asked for proof of our recovery capability tomorrow, could we provide it cleanly with test results, audit trails, and a dependency map? Do our supplier contracts contain the reporting and recovery responsibilities we would need to honour our obligations to the country? Have we tested recovery under realistic conditions, or only documented it?
The operators who are asking these questions proactively building what might be called an assurance pack, a national incident operating mode, and realistic exit readiness before they are forced to are the ones who will shape how regulation lands. The ones who wait will be regulated reactively, in the aftermath of the next incident, with less influence over the design of what follows.
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What Ghana’s AI Policy Could Learn from Rwanda, Senegal, and Egypt

Ghana Cannot Afford to Delay: Lessons from Rwanda, Senegal, and Egypt for a National AI Policy
Artificial Intelligence (AI) is no longer a distant aspiration.
It is fast becoming the most critical driver of productivity, competitiveness, and governance transformation.
The African Union estimates that AI and other Fourth Industrial Revolution technologies could add $1.3 trillion to Africa’s GDP by 2030 (PwC, 2022).
Yet, as this opportunity emerges, African nations are not moving at the same speed.
Ghana has pockets of excellence—research groups, private sector pilots, and enthusiastic startups—but it has no comprehensive, resourced national AI strategy.
This is not just a gap. It is a risk.
As the Ministry of Communications and Digitalisation, NITA, and other stakeholders begin conversations about a future AI policy, Ghana has an opportunity to learn from the deliberate and well-funded strategies of three African peers: Rwanda, Senegal, and Egypt.

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

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 ?)

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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Ghana’s Startup Bill Nears Approval: Lessons from Africa’s Best and Worst Startup Laws

Ghana is on the brink of a potentially transformative moment for its entrepreneurial ecosystem. The Ghana Innovation and Startup Bill, spearheaded by the Ministry of Communications, Digital Technology, and Innovation, aims to provide a structured legal framework to formalize support for startups, attract investment, and stimulate innovation. If passed, this bill could significantly improve access to funding, regulatory clarity, tax incentives, and ecosystem collaboration. However, given the experiences of other African nations that have implemented Startup Acts, Ghana must approach this bill with both optimism and caution.

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Why Most Corporate-Startup Partnerships Fail—and How to Fix It! (My lessons from judging top corporate startup competitions)

Having had the privilege of judging numerous business pitch competitions across various industries—including the USAID Armyworm Challenge, the MTN Challenge for several years, the Africa Engineering Prize, MIT Solve, the Ghana Government Presidential Pitch, GSMA GLOMO Awards, and most recently the Ecobank Fintech Challenge—I’ve gained deep insights into the intersection of corporate and startup worlds. These competitions are a testament to the corporate sector’s desire to stay attuned to emerging trends in technology and innovation, a vital step in avoiding irrelevance. However, beyond the excitement of the pitch, I’ve observed a consistent gap: many corporates struggle to effectively capitalize on the potential of startup partnerships to truly drive growth.

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What If MTN Ghana Became a Bank? Would It Be Bigger Than Your Bank?

I left the conference thinking about what it would look like if telecom companies in Ghana could get banking licenses. I conducted an analysis of the potential effects, focusing on MTN due to its significant market share. It is important to note that MTN has clearly stated it is not seeking a banking license.

My analysis is based on data from the Ghana Banking Industry Report 2023 (A Report by LIMA Partners), the NCA data subscription analysis for December 2022 to January 2023, MTN Ghana’s FY 2023 results, and the BFT Banking Industry’s Performance in 2023 at a glance article, which is based on the summary of macroeconomic and financial data released by the Bank of Ghana (BoG).

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