Who Wins in Ghana’s Digital Banking Boom? The Battle Between Telcos, Banks and Fintechs

Esther Aku-SikaMay 22, 2026May 22, 2026053 mins

GH¢493bn in monthly mobile transactions, but who profits? Our deep-dive analysis reveals GhanaPay vs MTN MoMo, open banking, cybersecurity directives…

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Who Wins in Ghana’s Digital Banking Boom? The Battle Between Telcos, Banks and Fintechs

Why SME Loans in Ghana Remain Expensive: The Real Cost of Credit for Small Businesses

Inside Ghana’s Mobile Money Economy: Who Really Profits? — Revenue Flows, Agent Struggles and the Battle for Digital Finance

Why Banks in Ghana Are Quietly Changing Their Lending Strategy: The End of T-Bill Reliance and the Return to Private Sector Credit

Why Treasury Bills Became Ghana’s Hottest Investment Again — The Extraordinary Journey From 35% to 4% and Back

The Economics of Bolt Drivers in Ghana

How Hubtel Built Ghana’s Super-App Model

Why Ghana’s Interest Rates Remain High Despite Inflation Cooling: The Structural Trilemma Facing Bank of Ghana

How Forex Bureaus Make Money in Ghana

How Mobile Money Agents Make Money in Ghana

GCB digital transformation

Who Wins in Ghana’s Digital Banking Boom? The Battle Between Telcos, Banks and Fintechs

Accra Street Journal

SamBoad Publishing

SKB Journal

SamBoad Business Group Ltd