next level
For millions of Ghanaians, the neighbourhood mobile money agent has become more important than a bank branch. The shift is redrawing financial power in one of Africa’s most dynamic fintech markets.
On a rural roadside in northern Ghana, a woman pays a supplier, receives money from a relative in Accra and tops up her savings without ever setting foot in a bank. Her financial life runs through a mobile phone and a nearby mobile money agent. That simple reality is prompting a profound question across Ghana’s financial sector: have banks lost the future to mobile money?
