Accra, Ghana – Every day, millions of Ghanaians rely on digital payments to send money, pay bills, receive salaries, support businesses and access essential services. Behind every successful transaction is a sophisticated payment infrastructure that must remain secure, reliable and available at all times.

As Ghana’s digital economy continues to expand, strengthening the resilience of this critical infrastructure has become more important than ever. Recognizing the evolving risks facing financial systems, the Ghana Interbank Payment and Settlement Systems (GhIPSS) has called for stronger collaboration across the financial ecosystem to safeguard the future of digital payments in Ghana.

The call was made during the Financial Infrastructure Market Summit (FIMS) 2026, organized by the National Banking College in collaboration with the Bank of Ghana, where key industry stakeholders gathered to discuss strategies for strengthening Ghana’s financial infrastructure and enhancing resilience across the sector.

The summit was graced by the Minister for Communications, Digital Technology and Innovation, Hon. Samuel Nartey George, and the Governor of the Bank of Ghana, Dr. Johnson Asiama, highlighting the national commitment towards building a secure, inclusive and resilient digital financial ecosystem.

Speaking during a panel discussion on strengthening financial infrastructure resilience, the Chief Operating Officer of GhIPSS, Juliet Ackah-Nyamike, emphasized that safeguarding Ghana’s payment systems requires collective responsibility across the entire ecosystem.

She noted that the increasing interconnectedness of banks, fintechs, telecommunications companies, technology providers and other financial service stakeholders demands coordinated action to identify risks, respond effectively to disruptions and maintain the continuity of essential financial services.

“The strength of Ghana’s digital payment ecosystem depends not only on technology but on how effectively institutions work together to anticipate risks, respond to disruptions and ensure continuity of essential financial services,” she said.

The panel, which featured Romeo Bugyei, Managing Director of IT Consortium, and Abdul Razak Issaka Ali, Chief Commercial Operations Officer of MobileMoney Limited (MTN MoMo), examined the growing operational, cybersecurity and technological risks associated with an increasingly interconnected digital financial ecosystem.

Discussions highlighted the need for continuous investment in resilient infrastructure, stronger governance frameworks, enhanced cybersecurity capabilities, industry-wide resilience testing and greater information sharing among ecosystem participants.

Participants also explored the role of emerging technologies, including artificial intelligence (AI), in strengthening operational resilience and improving service delivery, while emphasising the importance of responsible adoption and appropriate safeguards for emerging innovations such as virtual assets.

As the operator of Ghana’s national payment infrastructure, GhIPSS plays a critical role in enabling secure, efficient and interoperable digital payments by connecting banks, electronic money issuers, fintechs and other licensed financial institutions.

Through platforms such as the Mobile Money Interoperability (MMI) service, GhIPSS Instant Pay (GIP), gh-Link and e-zwich, GhIPSS continues to provide the infrastructure that supports seamless transactions for individuals, businesses and institutions across Ghana.