The Second Deputy Governor of the Bank of Ghana, Mrs Matilda Asante-Asiedu, has called for deeper coordination among stakeholders in the financial sector to unlock the next phase of digital innovation, particularly in expanding access to finance for Small and Medium-scale Enterprises (SMEs).
Mrs Asante-Asiedu made the call on Monday, August 17, 2026, when she delivered the Distinguished Digital Finance Lecture in Accra on the theme: “Building Financial Systems That Innovate at Scale.”
She said Ghana had already established strong foundations for scaled financial innovation and the challenge going forward was not about creating new solutions, but about better coordination among existing ones.
“Ghana already has real foundations for scaled financial innovation. The task ahead of us is not invention. It is coordination,” she said.
The Second Deputy Governor highlighted the impressive scale reached by Ghana’s digital payment ecosystem, citing data showing that mobile money platforms processed 954 million transactions valued at approximately GH¢493 billion in June 2026 alone.
She noted that this growth reflected the depth of digital financial infrastructure the country had built over the years, positioning Ghana as a strong performer in mobile money usage within the sub-region.
Mrs Asante-Asiedu, however, stressed that the next benchmark for financial inclusion must move beyond the mere ownership of accounts and wallets.
She said true inclusion would be achieved when people could access credit, insurance, and investment opportunities on fair terms and at the time they needed them most.
The lecture reaffirmed the Bank of Ghana’s commitment to building a financial system that is inclusive, secure, well-coordinated, and capable of supporting the country’s broader growth aspirations.
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