Ghana is reaffirming its commitment to building an inclusive digital economy, positioning fintech as a central pillar of the national economic transformation agenda.
The government is shifting from fragmented interventions to a coordinated national framework supported by the Data Harmonisation Bill, the expansion of affordable connectivity, and strengthened Digital Public Infrastructure , says Samuel Nartey George, minister for communication, digital technology and innovations.
George, who spoke during the 3i Africa Summit 2026 launch in Accra on Tuesday, described fintech as a practical vehicle for inclusion that must translate into tangible improvements in livelihoods.
The policy shift comes as the West African nation recorded total industry transactions of GH₵1 001.01 billion in Q1 2025, a 17.7% increase over Q1 2024.
By December 2025, monthly transactions hit a new peak of GH₵518.4 billion, driven by festive season spending and the abolition of the electronic transfer levy.
Fintech plays a critical role in empowering farmers with secure payments, supporting small and medium-sized enterprises with access to credit, and equipping start-ups to scale beyond national borders, says George.
He added that upcoming SIM registration reforms will enhance digital identity systems and support credit assessment within the digital lending space.
Technology is fundamentally reshaping how value is created, transferred, and regulated, says Dr Johnson Pandit Asiama, governor of the Bank of Ghana.
During his keynote address, Asiama stressed that the choices made today will determine whether these changes become merely disruptive or truly developmental.
Africa does not need isolated islands of excellence; it needs connected ecosystems with interoperable payment systems and coherent regulatory approaches, says Asiama.
He noted that these goals require sustained engagement between the public and private sectors to build scale, trust, and resilience.
By December 2025, active mobile money accounts grew to 26.7 million, supported by a network of 491 000 active agents.
The Bank of Ghana maintains that the success of the digital economy relies on institutions collaborating in pursuit of outcomes greater than any single actor can achieve alone.
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