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To say Ghana is a mobile-first market would be an understatement. The region boasts more mobile phones than people, and according to KPMG, an estimated 37 million mobile phone subscribers serve its population of 27 million. No surprise then that mobile payments have been gaining popularity.

Collaborative efforts between banks and telecommunication operators are underway to reach the significant unbanked population, leading to an abundance of new payment service providers and platforms.

While Ghana is a digital payments leader in West Africa, cash is still relied upon alongside mobile money apps like M-Pesa. Credit and debit cards are less popular, with under 6% penetration.



Ghanaian cedi

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