The Bank of Ghana has urged stronger coordination among financial sector stakeholders to leverage the country’s expanding digital finance infrastructure and broaden access to financial services, especially for small and medium-sized enterprises.
Second Deputy Governor Matilda Asante-Asiedu made the call on Monday, August 17, 2026, while delivering the Distinguished Digital Finance Lecture in Accra on the theme “Building Financial Systems That Innovate at Scale.”
Asante-Asiedu said Ghana had already established the foundational infrastructure required for large-scale financial innovation. The priority now, she argued, is not invention but effective coordination among institutions.
She pointed to the scale of digital payments as evidence of progress. Mobile money platforms processed 954 million transactions valued at approximately GH¢493 billion in June 2026 alone.
“Ghana already has real foundations for scaled financial innovation. The task ahead of us is not invention. It is coordination,” Asante-Asiedu said.
The Second Deputy Governor said financial inclusion should no longer be measured simply by the number of people holding bank accounts or mobile money wallets. The focus, she said, must shift toward ensuring that individuals and businesses can access credit, insurance and investment opportunities on fair and reliable terms when needed.
Asante-Asiedu affirmed the central bank’s commitment to developing a financial system that balances innovation with security and inclusion, while supporting businesses and contributing to broader economic growth.
