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A formal pension framework has existed in Ghana since the colonial period, when a number of provident funds were established as a means to provide retirement benefits for the nation’s working class. Since then, the pensions universe has rapidly evolved with the transition to a basic social security scheme in 1965 and the creation in 1972 of...

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...

One way in which Ghana is looking to accelerate investment projects and private sector initiatives is through an enhancement of the pubic-private partnership (PPP) framework, which enables the state to minimise capital costs and shift development risk and managerial responsibility out of its hand. The country has recently signalled 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...