Project Year



West Africa



Project Description

The World Bank report of 2012 indicates that global mobile phone subscription now stands at 6 billion. This figure represents approximately 75 percent of the world's population. In Ghana, the present mobile phone penetration of 98% makes it a fertile ground for the promotion of mobile money activities. Statistics from the World Bank Report show that between GLO, MTN and Airtel there are 5.4 million subscribers with total daily transactions of approximately GHC (Ghana Cedi) 16.5 million. Nonetheless there is a lack of penetration in rural areas. We will look at the different roles that private technology companies and the government of Ghana can play in promoting mobile money uptake. We are interested in looking at responsibility, awareness, uptake, promotional material, stakeholder conferences and gaps between rural and urban dwellers.

ghana_offeSeveral factors account for the low patronage of digital financial services and payment systems in the urban and rural communities in Ghana. Some of these factors include: fear of losing money that is stored electronically, lack of trust in the digital financial payment systems, time lost in engaging on electronic transaction while physical contacts could provide results and lack of proper information on the advantages of using mobile money. 


Yaw Owusu-Agyemang and Abena Offe

About the Researcher(s)

Yaw Owusu-Agyemang is Head of Unit/Adjunct lecturer: Ghana Telecom University College & Stellenbosch University · Examinations and Records Unit

Abena Offe is Head, Academic Partnerships Ghana Telecom University College

Research Results

Link to research blogposts:
Mobile Money Payments in Ghana: Part One, Private Intervention
Mobile Money Payments in Ghana: Part Two, Public Intervention

Mobile Money Payments Conference Ghana, March 12-13th, 2013

Conference posts (Ghana Telecom University College partnership with Cliff Mensah, Richard Zhixin Kang and Vivian Dzokoto to hold Mobile Money Learning Event):
Mobile Money Payments Conference in Ghana March 12-13th, 2013
Reaching the Unreached: Day 1 Conference Summary
Mobile Money Adoption in Ghana: Why So Long?
Trains at Different Stations: The Ghanaian-Kenyan Mobile Money Discourse


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