Established global insurers hold a number of advantages over their domestic counterparts. Most multinationals offer a wider array of products, can offer more complex insurance offerings, employ a larger workforce and hold a wider geographic presence granting them a broader skills base. For smaller players looking to compete on a regional or...
Once reserved for ambitious start-ups and industry-leading operators, financial technology (fintech) has caught the attention of private sector firms and government planners alike, becoming a regular feature in budget speeches and development plans. As fintech plays a larger part in the lives of consumers, investors have come to recognise its...
Since gaining independence in 1957 Ghana has broadly followed two major foreign policy guidelines: non-alignment and pan-Africanism, both of which arise from the colonial experience and the country’s reaction to the Cold War. They also reflect Ghana’s awareness that it is the first country in colonial Africa to gain freedom, giving it great...
One of the most productively disruptive elements in the domestic banking sector is carried by an increasing number of Ghanaian citizens. The smartphone, which was until recently the preserve of a relatively small segment of the population, is rapidly being taken up by the emerging middle class and, in turn, driving a mobile payment boom. For...
Two of the biggest trends in global insurance in recent years are premium growth in emerging markets and the rising importance of technology across the supply chain. The latter has come to be referred to as InsurTech, a potentially disruptive trend that heralds both threats to and opportunities for incumbents and newcomers alike. While...
Ghana’s energy sector is in a moment of transition. In 2017 oil was the largest source of energy in the country, at 42.5%, closely followed by biomass at 40.6%. This mainly consists of the firewood that has historically been used to heat homes and small businesses. While some traditional energy sources remain popular, new developments are...
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