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After successfully weathering a period of financial instability stemming from the banking sector, Ghana’s insurance industry is growing in size and sophistication. The coming year, however, will bring a fresh set of challenges as the authorities look to roll out a new legislative framework for the industry in 2020, and as companies seek to...

The threat of cybercrime has risen dramatically in recent years, and emerging markets are no exception. While the shift towards online platforms – along with the development of the internet of things, smart cities and blockchain technology – is generating significant opportunities for wealth creation and helping to raise efficiency, it is also...

Performance in the Ghanaian life insurance market has shown mixed results. While some providers have remained profitable despite the challenging environment caused by the crisis in the banking sector (see Banking chapter), others are struggling to achieve underwriting profitability. Those that are securing a margin are doing so with the help...

The use of sophisticated algorithms in wealth management is leading to improved efficiency and transparency in the financial services sector, benefitting both providers and clients. In particular, so-called robo-advisory firms are disrupting the industry and helping to boost financial inclusion. Primarily concentrated in developed markets such...

As Ghana enters an election year in 2020, sector stabilisation and reform are key focuses within the capital markets arena. While the regulator is taking steps to shore up market confidence in the short term in light of recent banking and asset management reforms, the long-term ambition of exchange authorities is to introduce new products and...