When GhanaPay Mobile Money was launched in 2022 in partnership with the Ghana Association of Banks, the objective was to complement the progress made by Mobile Money companies in promoting financial inclusion by giving banks an opportunity to participate more effectively in serving the informal sector through a bank-led mobile money service with simplified onboarding […]

At first glance, the first-half 2026 performance report is a story of sustained growth. Transaction volume processed across GhIPSS platforms increased by 32.61% to 319.85 million, while transaction value surpassed GHS 1 trillion for the first time in a half-year period. Viewed alongside the trends identified in the World Payments Report 2026, the data suggests […]

The best payment systems are often the ones people hardly notice. When a loan repayment is collected on time, an insurance premium is paid without interruption or a utility bill is settled automatically, customers rarely stop to think about the payment mechanism behind it. They simply expect it to work. That is the quiet strength of Direct […]

Every digital payment begins with trust.  Whether someone is sending money to a loved one, paying a merchant with a QR code, transferring funds through their banking app or receiving a salary, there is an expectation that the transaction will be completed safely, securely and exactly as intended. That confidence is one of the greatest achievements of Ghana’s digital payments […]

The 2025 Payments Trends Report shows a global payments industry at a turning point: digital payments are now universal, but the real battle is shifting to trust, intelligence, and technology-driven advantage as fraud rises, consumer behaviour fragments, and new infrastructures reshape how money moves.For payment ecosystems, this shift places infrastructure providers at the centre of […]

Several emerging trends and innovations affect Instant Payment Systems (IPS) inclusivity. They suggest opportunities for expanding IPS access and the use of instant payments. These trends play out at the market, system, and consumer levels.

As a national switch, safeguarding data is not optional; it is fundamental to the integrity, trust, and efficiency of payment systems. Every transaction, settlement, and service depends on security, lawfulness, and responsibility for data processing.