Bank of Ghana, MobileMoney LTD and Industry Leaders Unite to Shape Ghana’s Digital Finance Future
MobileMoney LTD (MML) has successfully hosted the 2025 Fintech Stakeholder Forum in Accra, drawing together more than 200 key stakeholders from Ghana’s financial, regulatory, and technology sectors. The high-profile forum provided a national platform for deliberation on the country’s rapidly evolving fintech landscape and the need to chart a sustainable path for digital finance growth.
The event, held under the theme “Harnessing Ghana’s Fintech Potential: Regulatory Frameworks for Digital Credit and Digital Assets,” explored how policy, regulation, and innovation can align to build an inclusive and resilient digital financial ecosystem for the country.
In setting the tone for the conversation, the Chief Executive Officer of MobileMoney LTD, Mr. Shaibu Haruna, underscored the core purpose of the gathering. He explained that the forum was not only about discussions but, more importantly, about partnership and a shared commitment to shaping the future of digital financing in Ghana and across the African continent.
“This gathering is not just about dialogue, but more importantly, about partnership and shared commitment to shaping the future of digital financing in Ghana, and perhaps across Africa,” Mr. Haruna stated.
He emphasized that as the fintech economy evolves, there is an urgent need for policymakers, regulators, and industry players to engage innovators in order to harness the potential of digital credit and digital assets to deepen financial inclusion, empower small businesses, and contribute to national development. Mr. Haruna added that “innovation must continue to serve people and uphold the dignity of society.”
Delivering the keynote address, Mrs. Matilda Asante-Asiedu, Second Deputy Governor of the Bank of Ghana, affirmed the central bank’s focus on defining “the new rules of trust” to balance innovation with financial integrity and consumer protection.
She noted that digital finance has become the “new infrastructure for opportunity” across Africa, with digital credit users in Ghana estimated between two and five million and crypto adoption steadily rising — making the forum’s theme particularly timely and relevant.
Mrs. Asante-Asiedu commended MobileMoney LTD for convening the platform, stressing, “We are not here merely to discuss innovation; we are here to define the new rules of trust.” She reaffirmed the Bank of Ghana’s dual mandate to safeguard financial stability while fostering innovation that promotes inclusion.
Providing key regulatory updates, the Deputy Governor announced that the Digital Credit Directive, which enforces clear disclosure and ethical lending practices, came into effect last month. She further disclosed that the Virtual Asset Service Providers (VASP) Bill is in its final drafting stage, and that the Bank of Ghana will begin accepting applications for digital credit licenses from November 3, 2025.
She urged private sector actors to “innovate boldly, but with integrity,” revealing that a recent enforcement exercise by the Bank of Ghana uncovered more than 400 illegal digital lending operators operating within the country.
The forum also featured insightful presentations by Mr. Selorm Branttie of Imani Africa and Professor Peter Quartey of the Institute of Statistical, Social and Economic Research (ISSER), who both offered valuable perspectives from policy and academia on the future of fintech in Ghana. Other panelists who contributed to the conversation included Mrs. Clara Arthur, CEO of the Ghana Interbank Payment and Settlement Systems (GhIPSS); Ms. Ethel Cofie, CEO of Edel Technologies; and Mrs. Sylvia Otuo Acheampong, Chief Products and Services Officer at MobileMoney LTD.
MobileMoney LTD expressed optimism that the insights shared and the collaborative spirit fostered at the forum will guide the next phase of digital finance policymaking and ensure that innovation continues to improve the lives of Ghanaians.
The event concluded with renewed confidence among all stakeholders that Ghana’s fintech future depends on a balanced partnership between innovation and regulation, anchored in trust, ethics, and inclusion.
Media Contacts
Paapa Osei
Head, Legal & Reputation Management
MobileMoney LTD
paapa.osei@mtn.com
Afua Serwaa Asafo-Adjei
Manager – Communications and Stakeholder Management
MobileMoney LTD
MML Communications [MML Ghana]
MMLCommunications.gh@mtn.com
About MobileMoney LTD
MobileMoney LTD is a subsidiary of MTN Ghana responsible for Mobile Financial Services. Launched in 2009, MobileMoney LTD has over seventeen million registered subscribers. The company offers a wide array of mobile financial services spanning payment solutions, remittance, Banktech, Insurtech, savings, and loans to its customers—all aimed at driving financial inclusion and economic empowerment. For further information, visit mtn.com.gh.
