Dr. Genevieve Sedalo

2026-04-302026-10-07

In coverage

Verbatim sentences from the source article.

May 2026
19 MayDaily Guide
… Source: Dr. Genevieve Sedalo The post Why Ghanaian Businesses Are Quietly Returning To Cash appeared first on DailyGuide Network.
Why Ghanaian Businesses Are Quietly Returning To Cash
18 MayJoy Online
… Ghana wanted a cashless future, yet the future seems to have its own opinion. ******* The writer: Dr. Genevieve Sedalo, Department of Marketing, University of Professional Studies, Accra
Why Ghanaian businesses are quietly returning to cash
7 MayJoy Online
… The Ghanaian customer has stopped whispering, and the whole country stands to gain whenever she is finally heard. ******* The writer: Dr. Genevieve Sedalo, Department of Marketing, University of Professional Studies, Accra
The Ghanaian customer is finally speaking up – that is a win
April 2026
30 AprJoy Online
… One that the official statistics never print. ******** The writer: Dr. Genevieve Sedalo, Department of Marketing, University of Professional Studies, Accra
The human face of digital finance and its hidden cost

Business

Ghana's payment fraud cases surged as bank defences strengthened

The News

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.

22 September 2026 · Joy Online →

Tuesday 22 September

Ghana's payment fraud cases surged as bank defences strengthened
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.
22 September 2026 · Joy Online →

Wednesday 2 September

Ghana's delivery economy hides costs beyond convenience
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.
2 September 2026 · Daily Guide →

Monday 31 August

Ghana's delivery economy imposes hidden costs on 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.
31 August 2026 · Joy Online →

Tuesday 18 August

Telecel Ghana launches biodegradable SIM cards with less plastic
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.
18 August 2026 · The Chronicle →

Monday 17 August

Telecel Ghana launches biodegradable Eco SIM cards
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.
17 August 2026 · Joy Online →

Thursday 6 August

Government commits GH¢401 million to Women's Development Bank
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.
6 August 2026 · Joy Online →

Tuesday 21 July

Women lead 44.6% of Ghana's micro enterprises, face credit gap
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.
21 July 2026 · Joy Online →

Friday 10 July

Ghana must coordinate infrastructure to close rural financial inclusion gap
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.
10 July 2026 · Daily Guide →

Monday 6 July

Ghana must coordinate infrastructure, training to include rural populations
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.
6 July 2026 · Joy Online →

Wednesday 3 June

Ghana should codify digital finance customer rights in single charter
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.
3 June 2026 · Joy Online →

Tuesday 19 May

Ghanaian businesses return to cash amid digital payment costs
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.
19 May 2026 · Daily Guide →

Monday 18 May

Ghanaian businesses shift back to cash payments
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.
18 May 2026 · Joy Online →

Thursday 7 May

Ghanaian customers increasingly assertive in financial service interactions
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.
7 May 2026 · Joy Online →

Thursday 30 April

Digital finance success masks burden on untrained agents
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.
30 April 2026 · Joy Online →