Ghana

The Republic of Ghana, is a country in West Africa. It is bordered by Ivory Coast to the west, Burkina Faso to the north, Togo to the east, and the Gulf of Guinea to the south.


Link to external site : Website for Ghana
Ghana
Wallets
Development Developing
Send or Receive
GDP ($m)
HDI classification Medium
Mobile Connections (m)
Currency GHS
Class
CountryISO GH
Sovereignity Country
Territory of - NA -
{"type":"GeoChart","data":[["Country","Population(m)","Rank"],["GH",23.462,45]],"options":{"title":"Countries","region":"GH","displayMode":"regions","colorAxis":{"minValue":0,"maxValue":1500,"colors":["yellow","green","red"]}}}
{"type":"PieChart","data":[["Operator","Connections"],["MTN",9621000],["Tigo (Millicom)",4000000],["Vodafone",3600000],["Airtel (Bharti Airtel) - Global",2200000],["Expresso (Sudatel)",265000]],"options":{"title":"Connections","is3D":true}}
{"type":"ColumnChart","data":[["Year","Connections"],["Q4 2000",152270],["Q4 2001",234101],["Q4 2002",384328],["Q4 2003",808169],["Q4 2004",1526926],["Q4 2005",2793198],["Q4 2006",4721904],["Q4 2007",7578091],["Q4 2008",11581978],["Q4 2009",15350435],["Q4 2010",17898749],["Q4 2011",19833814],["Q4 2012",21291216],["Q4 2013",22379679],["Q4 2014",23200974]],"options":{"title":"Connections"}}
Register/Log In
Channel Analysis
{"type":"ColumnChart","data":[["Category","Initiatives"],["ATM",2],["Agent",3],["Branch",2],["Mobile",4],["POS",1],["Web",2]],"options":{"title":"Initiatives ( 5 of 5 )"}}
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COT Analysis
{"type":"ColumnChart","data":[["Category","Initiatives"],["Bank",3],["MNO",2],["Vendor",1]],"options":{"title":"Initiatives ( 5 of 5 )"}}
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Persona Analysis
{"type":"ColumnChart","data":[["Category","Initiatives"],["AT",1],["BB",1],["MM",1],["MT",1],["OP",1]],"options":{"title":"Initiatives ( 5 of 5 )"}}
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Products
{"type":"ColumnChart","data":[["Category","Initiatives"],["AT",2],["BB",1],["BP",3],["Card",1],["DC",2],["DMT",3],["MB",1],["MM",2],["MP",5],["OP",1],["Paybymobile",2],["Saving",3]],"options":{"title":"Initiatives ( 5 of 5 )"}}
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PI Analysis
{"type":"ColumnChart","data":[["Category","Initiatives"],["Account",3],["Card",3],["Cash",3],["MobileBilling",1],["Wallet",3],["wallet",1]],"options":{"title":"Initiatives ( 5 of 5 )"}}
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Central Bank
Key Regulations
Mandatory subscriber registration authorized by the National Communications Authority (NCA).
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Type of law
Legal System
Mixed system of English common law and customary law
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Law is based on
Approach
Sectors active in Digital Money
Exclusivity
Illegal (Dma UK-Ghana)
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Certainty
Openness
Proportionate?
Allowed Models
DominantModel
E-Money
Payment
Agent

Any non-bank may become an agent but will not own the customer

Non-exclusive agents - may do this for multiple banks

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Money Transfer
Taxation
{"type":"Gauge","data":[["Label","Value"],["Mobile Penetration",67.68],["Banked",16],["Internet",3],["Urban",49],["Adult",62],["Literate",65.0291]],"options":{"scaleHeight":0.5,"min":0,"max":100,"redFrom":76,"redTo":100,"yellowFrom":26,"yellowTo":74}}
Population m 23.46
Adult % 62.00
Migrants %
Stock Immigrants ('000)
Emigration Rate %
Internal Migrants ('000)
Internal Migration Rate %
Intl Movement Rate %
Urban % 49.00
Female % 41.80
Literate % 65.03
Annual Growth %
Mobile Penetration % 67.68
Banked % 16.00
Access to FS % 16.00
Internet % 3.00
Branches per 100k adults 5.28
ATMs per 100k adults 4.16
POS per 100k adults 4.16
Prepaid % 99.50
Prepaid SIM Registration
2 Compulsory
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MobileUnbanked (m) 13.34
Monthly ARPU
Cards 2010 ('000)
Propensity %
Overall
Population
On Remittance Sent
On Remittance Received
Mobile Unbanked
Migrant %
MP %
Banked %
Development
Can Provide Payments?
Can Market under Brand?
Can issue E-Money?
Can Open Customer Account?
Can Own Customer?
Can do Cash In/Cash Out?
Can offer Domestic Money Transfer?
Can offer International Money Transfer?
Importance for Digital Money
Digital Money Adoption
Prime Candidate
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Registered Wallet Users
Top Wallets
MTN, Txtnpay; Zap
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Informal Market
Cost To Remit
Key Players

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