More than 200 influential stakeholders from Ghana’s financial, regulatory, and technology sectors converged in Accra for the 2025 Fintech Stakeholder Forum organized by MobileMoney Limited (MML), a subsidiary of MTN Ghana. The landmark event provided a platform for in-depth discussions on the evolving fintech landscape and the frameworks needed to ensure a sustainable, inclusive, and well-regulated digital finance ecosystem.
The high-level forum, held under the theme “Harnessing Ghana’s Fintech Potential: Regulatory Frameworks for Digital Credit and Digital Assets,” underscored the critical importance of collaboration among industry players, regulators, and policymakers in shaping the future of digital finance in Ghana.
Setting the tone for the discussions, Mr. Shaibu Haruna, Chief Executive Officer of MobileMoney Limited, highlighted the essence of the gathering as one of partnership and shared responsibility. “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,” he emphasized.
Mr. Haruna noted that as Ghana’s fintech ecosystem continues to expand, the need for stronger engagement between innovators, regulators, and policymakers has become more urgent. He stressed that digital credit and digital assets hold immense potential to deepen financial inclusion, empower small businesses, and drive national economic growth. He added that innovation must always serve the people and uphold the dignity of society.
Delivering the keynote address, Mrs. Matilda Asante-Asiedu, Second Deputy Governor of the Bank of Ghana, commended MML for organizing the timely and forward-looking forum. She noted that the Bank of Ghana remains committed to balancing innovation with financial integrity and consumer protection.
“Digital finance has become the new infrastructure for opportunity across Africa,” Mrs. Asante-Asiedu remarked. She revealed that between two and five million Ghanaians currently use digital credit products, while cryptocurrency adoption is also steadily rising — developments that make the forum’s theme particularly relevant.
According to her, the Bank of Ghana is focused on defining “the new rules of trust” in the country’s digital financial ecosystem. “We are not here merely to discuss innovation; we are here to define the new rules of trust,” she stated, reaffirming the central bank’s dual mandate to safeguard financial stability while fostering innovation that promotes inclusion and responsible growth.
In providing regulatory updates, the Deputy Governor announced that the Digital Credit Directive — which enforces transparent disclosure and ethical lending practices — officially came into effect last month. She further disclosed that the Virtual Asset Service Providers (VASP) Bill is in its final drafting stage, and beginning November 3, 2025, the Bank of Ghana will start accepting applications for digital credit licenses.
She encouraged fintech operators and private sector innovators to “innovate boldly, but with integrity,” revealing that a recent enforcement exercise had uncovered more than 400 illegal digital lending operators, which underscored the need for stronger compliance and ethical business conduct.
The forum also featured thought-provoking presentations from Mr. Selorm Branttie of IMANI Africa and Professor Peter Quartey of the Institute of Statistical, Social and Economic Research (ISSER), who provided analytical insights from both policy and academic perspectives on the future of Ghana’s fintech industry.
An engaging panel discussion followed, featuring distinguished industry leaders including Clara Arthur, Chief Executive Officer of GhIPSS; Ethel Cofie, Chief Executive Officer of Edel Technologies; and Sylvia Otuo Acheampong, Chief Products and Services Officer of MobileMoney Limited. The panel deliberated on key issues such as innovation ethics, consumer protection, regulatory agility, and the need for collaboration to drive sustainable growth.
At the close of the forum, MobileMoney Limited expressed optimism that the insights shared, and the collaborative energy demonstrated, will guide the next phase of digital finance policymaking and ensure that innovation continues to improve the lives of Ghanaians.
The 2025 Fintech Stakeholder Forum reaffirmed MML’s commitment to leading conversations that shape Ghana’s financial technology future — one built on trust, transparency, and transformative inclusion.
Source: MTN Ghana
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