… Give providers a bill, and the people who built the systems will fix them. ********* Writer: Dr. Genevieve Sedalo, Department of Marketing, University of Professional Studies. …
… The question is whether customers, regulators, and the companies themselves will insist on it or continue to treat the hidden costs as someone else’s problem. ****** Writer: Dr. Genevieve Sedalo, Department of Marketing, University of Professional Studies. …
… By Dr. Genevieve Sedalo Credit: myjoyonline.com The post Eco SIM and sustainability, making mobile technology greener appeared first on The Ghanaian Chronicle.
… If the bank is built well, staffed well, and led with the seriousness that the moment deserves, it can transform the financial lives of millions of Ghanaian women and unlock economic growth. ********** Dr. Genevieve Sedalo, Department of Marketing, University of Professional Stud …
… The industry that gets this right will not only earn the loyalty of millions of women but also help write the next chapter of Ghana’s inclusion story. ******* Writer: Dr. Genevieve Sedalo, Department of Marketing, University of Professional Studies. …
… Source: Dr. Genevieve Sedalo, Department of Marketing, University of Professional Studies The post Closing Ghana’s Rural Inclusion Gap: A Practical Roadmap appeared first on DailyGuide Network.
… The rural Ghanaian has waited long enough for the digital finance revolution to reach her doorstep, and the next decade will be defined by whether we finally show up with the seriousness her financial life has always deserved. ****** Writer: Dr. Genevieve Sedalo, Department of Ma …
… A country that has done so much for digital finance owes its customers that final, unifying step. *** Writer: Dr. Genevieve Sedalo, Department of Marketing, University of Professional Studies. …
Fraud cases among Ghana's payment service providers nearly doubled between 2022 and 2025, while banks saw a 34% decrease in reported fraud and deposit-taking institutions a 50% decline—suggesting fraud has shifted to weaker-defended institutions rather than increasing overall. The Bank of Ghana's Second Deputy Governor presented this data and argued for regulatory changes, noting that under current rules consumers bear loss responsibility while providers only handle complaints.
Fraud cases among Ghana's payment service providers nearly doubled between 2022 and 2025, while banks saw a 34% decrease in reported fraud and deposit-taking institutions a 50% decline—suggesting fraud has shifted to weaker-defended institutions rather than increasing overall. The Bank of Ghana's Second Deputy Governor presented this data and argued for regulatory changes, noting that under current rules consumers bear loss responsibility while providers only handle complaints.
Ghana's booming delivery services promise instant convenience in Accra, Kumasi, and secondary cities, but the article argues delivery charges shift unpredictably, cash customers face unfair treatment, and delays are common. The hidden costs extend beyond pricing to impact trust and service quality for less digitally fluent users.
Ghana's rapid growth in delivery services across Accra, Kumasi, and secondary cities has brought convenience but also hidden costs: delivery charges shift without warning between order placement and finalization, cash customers face dishonest practices like "no change" claims, and frequent delays leave food cold and perishables wilted.
Telecel Ghana has introduced Eco SIM, a biodegradable card made with 90 percent less plastic than conventional SIMs while delivering the same voice, data, and MoMo services. The move addresses Ghana's plastic waste problem, where 1.1 million tonnes are generated annually, with only 5 percent collected for recycling.
Telecel Ghana has launched Eco SIM cards made with 90 percent less plastic than conventional SIMs while delivering the same voice, data, and MoMo services. The move addresses Ghana's plastic waste challenge, where an estimated 1.1 million tonnes of plastic waste is generated annually, with only 5 percent collected for recycling.
Finance Minister Dr. Cassiel Ato Forson announced in the 2026 Budget a commitment of GH¢401 million in new equity for the Women's Development Bank, representing the largest single fiscal commitment ever made to women-led enterprises in Ghana's history. The announcement comes as women lead 44.6 per cent of the country's micro, small, and medium enterprises.
Ghana ranks third globally for women's business ownership at 37.2 per cent, with women leading 44.6 per cent of micro, small, and medium enterprises, yet a gender financing gap of $42 billion on the continent and widening gender gap in formal financial account ownership limit women's access to credit. The article argues fintech must redesign credit products around real female income patterns, such as seasonal lending aligned with harvest cycles and market-day cash flow patterns.
An opinion piece argues that Ghana's rural inclusion gap requires concrete action beyond diagnosis: coordinated rural connectivity plans involving government, the National Communications Authority, telcos, and the Ministry of Energy; public-private partnerships to fund shared network towers and solar-powered agent points; and investment in training and compensating mobile money agents as frontline financial workers.
An opinion piece argues that Ghana's rural financial inclusion gap requires concrete action on infrastructure, mobile coverage, electricity supply, and training of mobile money agents, rather than vague corporate commitments.
Ghana's digital finance sector has grown to include over sixty-five million mobile money accounts with annual transaction values in the trillions of cedis, but customers lack a single, clear document explaining their rights and protections; existing guidelines from the Bank of Ghana and Ministry of Finance are scattered across separate documents and not accessible to everyday users.
Ghana's businesses are increasingly choosing cash payments over mobile money and digital alternatives, citing transaction fees that erode thin margins and frustration with network failures. Cash eliminates payment uncertainty and processing costs that digital systems impose on merchants.
Ghanaian businesses are increasingly reverting to cash-only transactions rather than digital payments, citing transaction fees that erode profit margins and network failures that create payment uncertainty and customer frustration.
Ghanaian customers are becoming more vocal and confident when dealing with financial institutions, asking questions about fees and receipts instead of passively accepting transactions. Public education and social media conversations have built a generation of users who understand their stake in how the financial system works.
Ghana's mobile money system has achieved high transaction volumes and outnumbered bank accounts, but the success relies on informal agents who educate financially illiterate customers without proper training or compensation from the state or telcos.