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Enterprise Insurance Shocks Market With ₵280m Claims Payout

Enterprise Insurance Shocks Market With ₵280m Claims Payout

by Maynard Champion

IMF Sees Fresh Threats in Ghana’s Banking System

IMF Sees Fresh Threats in Ghana’s Banking System

by Maynard Champion

BoG Predicts Lower Market Operation Costs in 2026

BoG Predicts Lower Market Operation Costs in 2026

by Maynard Champion

BoG Eyes Stablecoins for Africa Trade Revolution

BoG Eyes Stablecoins for Africa Trade Revolution

by Maynard Champion

Ghana Banks Ready To Finance Economic Growth- GAB

Ghana Banks Ready To Finance Economic Growth- GAB

by Maynard Champion

Dr. Asiama Pushes for Borderless African Financial Markets

Dr. Asiama Pushes for Borderless African Financial Markets

by Maynard Champion

Ghana’s Banking Sector Showing Strong Recovery Signs- BoG

Ghana’s Banking Sector Showing Strong Recovery Signs- BoG

by Maynard Champion

Mobile Money Transactions Surge to Record GH¢493.2bn

Mobile Money Transactions Surge to Record GH¢493.2bn

by Maynard Champion

Group CEO & President of MTN Signals Shift from USSD to Smartphone-Driven Financial Services

Group CEO & President of MTN Signals Shift from USSD to Smartphone-Driven Financial Services

by Maynard Champion

Clydestone Suspends Dividend After 88% Profit Crash

Clydestone Suspends Dividend After 88% Profit Crash

by Maynard Champion

BoG Cracks Down on Informal Financial Market Practices

BoG Cracks Down on Informal Financial Market Practices

by Maynard Champion

Standard Chartered to Cut 7,800 Jobs as AI Shakes Up Banking Industry

Standard Chartered to Cut 7,800 Jobs as AI Shakes Up Banking Industry

by Maynard Champion

Africa Poised to Lead in Global Digital Finance Evolution, Says MTN Group CEO

Africa Poised to Lead in Global Digital Finance Evolution, Says MTN Group CEO

by Maynard Champion

Ecobank Ghana PLC Breaks Silence After Supreme Court Judgement

Ecobank Ghana PLC Breaks Silence After Supreme Court Judgement

by Maynard Champion

Ghana Defies Odds With Record Financial Growth

Ghana Defies Odds With Record Financial Growth

by Maynard Champion

Fidelity Demands Africa Own Its Digital Future At a time when Africa’s digital economy is accelerating at an unprecedented pace, Fidelity Bank Ghana has delivered one of the strongest messages yet on the continent’s technological future. The bank made a bold and urgent case for Africa to stop depending on foreign controlled digital systems and begin building its own infrastructure capable of retaining value, strengthening currencies, and driving long term economic sovereignty. As one of the key sponsors of the 3i Africa summit, Fidelity Bank did not just show up to participate. It arrived with a message that resonated deeply across conference halls and policy discussions. Fidelity Bank emerged as one of the loudest voices championing a future where African nations control the very digital rails that power their economies. Digital Infrastructure Is The New Economic Power One of the defining moments of the summit came during a high level panel discussion on digital public infrastructure, where Adeline Aryee delivered a statement that immediately captured the attention of participants. She declared that if Africa builds its own digital rails, it naturally retains the value created by those systems. Her message was clear and uncompromising. In previous decades, national infrastructure was measured by roads, bridges, ports, and airports. Today, the true engines of economic power are payment platforms, identity systems, financial technology ecosystems, and digital marketplaces. According to Aryee, digital public infrastructure is no longer a luxury. It is now a strategic national asset. Her remarks struck at the heart of one of Africa’s most pressing economic concerns. Despite growing digital adoption, many transactions across the continent still pass through foreign payment systems, resulting in value leakage and continued pressure on local currencies. Ghana’s Success Story Becomes A Continental Blueprint Aryee highlighted Ghana’s progress in financial inclusion, mobile payments, and digital banking, describing the country as an emerging model for other African economies. Over the years, Ghana has invested heavily in domestic payment systems such as GhIPSS and its flagship platform, Gh-link. These systems have significantly expanded access to financial services while promoting digital transactions across urban and rural communities. Yet Aryee argued that inclusion alone is no longer enough. The next chapter for Africa, she insisted, must focus on ownership. She questioned why local transactions continue to depend on foreign rails when domestic infrastructure already exists. According to her, such dependence creates unnecessary external exposure and limits the continent’s ability to fully capture the economic benefits of its growing digital market. Her comments triggered intense debate among summit participants, many of whom acknowledged the urgent need for policy reforms and infrastructure investments. Market Driven Innovation Takes Center Stage Beyond infrastructure, Fidelity Bank also made a strong case for innovation that begins with real market needs. During the Ecosystem Roundtable on platforms, talent, and digital markets, Prince Osei Hyeaman-Addai shared insights from the bank’s years of digital financial innovation. He stressed that successful digital products are not built in boardrooms or based on assumptions. Instead, they are created by listening carefully to the market and understanding customer pain points. According to him, the market itself reveals the problems that need solving, the type of platform required, and the path toward scalable growth. His comments reflected a growing shift in African fintech circles, where customer centered design is becoming essential for product adoption and long term relevance. Trust And Credibility Remain The Real Currency Prince also emphasized that technology alone does not guarantee success. In his view, trust, credibility, and strong operational structures remain the real foundations of successful innovation. He noted that while investor interest in African fintech continues to rise, startups must prove they can deliver sustainable solutions, maintain transparency, and build products that respond to local realities. This perspective reflects Fidelity Bank’s own journey in digital transformation. Over the years, the bank has built strategic collaborations with leading fintech players, including IT Consortium, helping pioneer wallet to bank integrations and mobile financial solutions in Ghana. These partnerships have helped position Fidelity as one of Ghana’s most innovation driven financial institutions. A Defining Moment For Africa’s Digital Future Fidelity Bank’s participation at the 3i Africa Summit 2026 was more than a corporate appearance. It was a strategic declaration. At a time when Africa is racing to build competitive digital economies, the bank’s message was impossible to ignore. Africa cannot simply consume technology created elsewhere. It must own the infrastructure, shape the platforms, and capture the value generated by its digital future. As conversations from the summit continue to ripple across financial and policy circles, one thing is becoming increasingly clear. Africa’s next economic revolution may not be built on oil, gold, or minerals. It may be built on digital rails designed, owned, and powered by Africans. READ ALSO: IMF Ghana Review Ends in Dramatic Cliffhanger Fidelity Demands Africa Own Its Digital Future At a time when Africa’s digital economy is accelerating at an unprecedented pace, Fidelity Bank Ghana has delivered one of the strongest messages yet on the continent’s technological future. The bank made a bold and urgent case for Africa to stop depending on foreign controlled digital systems and begin building its own infrastructure capable of retaining value, strengthening currencies, and driving long term economic sovereignty. As one of the key sponsors of the 3i Africa summit, Fidelity Bank did not just show up to participate. It arrived with a message that resonated deeply across conference halls and policy discussions. Fidelity Bank emerged as one of the loudest voices championing a future where African nations control the very digital rails that power their economies. Digital Infrastructure Is The New Economic Power One of the defining moments of the summit came during a high level panel discussion on digital public infrastructure, where Adeline Aryee delivered a statement that immediately captured the attention of participants. She declared that if Africa builds its own digital rails, it naturally retains the value created by those systems. Her message was clear and uncompromising. In previous decades, national infrastructure was measured by roads, bridges, ports, and airports. Today, the true engines of economic power are payment platforms, identity systems, financial technology ecosystems, and digital marketplaces. According to Aryee, digital public infrastructure is no longer a luxury. It is now a strategic national asset. Her remarks struck at the heart of one of Africa’s most pressing economic concerns. Despite growing digital adoption, many transactions across the continent still pass through foreign payment systems, resulting in value leakage and continued pressure on local currencies. Ghana’s Success Story Becomes A Continental Blueprint Aryee highlighted Ghana’s progress in financial inclusion, mobile payments, and digital banking, describing the country as an emerging model for other African economies. Over the years, Ghana has invested heavily in domestic payment systems such as GhIPSS and its flagship platform, Gh-link. These systems have significantly expanded access to financial services while promoting digital transactions across urban and rural communities. Yet Aryee argued that inclusion alone is no longer enough. The next chapter for Africa, she insisted, must focus on ownership. She questioned why local transactions continue to depend on foreign rails when domestic infrastructure already exists. According to her, such dependence creates unnecessary external exposure and limits the continent’s ability to fully capture the economic benefits of its growing digital market. Her comments triggered intense debate among summit participants, many of whom acknowledged the urgent need for policy reforms and infrastructure investments. Market Driven Innovation Takes Center Stage Beyond infrastructure, Fidelity Bank also made a strong case for innovation that begins with real market needs. During the Ecosystem Roundtable on platforms, talent, and digital markets, Prince Osei Hyeaman-Addai shared insights from the bank’s years of digital financial innovation. He stressed that successful digital products are not built in boardrooms or based on assumptions. Instead, they are created by listening carefully to the market and understanding customer pain points. According to him, the market itself reveals the problems that need solving, the type of platform required, and the path toward scalable growth. His comments reflected a growing shift in African fintech circles, where customer centered design is becoming essential for product adoption and long term relevance. Trust And Credibility Remain The Real Currency Prince also emphasized that technology alone does not guarantee success. In his view, trust, credibility, and strong operational structures remain the real foundations of successful innovation. He noted that while investor interest in African fintech continues to rise, startups must prove they can deliver sustainable solutions, maintain transparency, and build products that respond to local realities. This perspective reflects Fidelity Bank’s own journey in digital transformation. Over the years, the bank has built strategic collaborations with leading fintech players, including IT Consortium, helping pioneer wallet to bank integrations and mobile financial solutions in Ghana. These partnerships have helped position Fidelity as one of Ghana’s most innovation driven financial institutions. A Defining Moment For Africa’s Digital Future Fidelity Bank’s participation at the 3i Africa Summit 2026 was more than a corporate appearance. It was a strategic declaration. At a time when Africa is racing to build competitive digital economies, the bank’s message was impossible to ignore. Africa cannot simply consume technology created elsewhere. It must own the infrastructure, shape the platforms, and capture the value generated by its digital future. As conversations from the summit continue to ripple across financial and policy circles, one thing is becoming increasingly clear. Africa’s next economic revolution may not be built on oil, gold, or minerals. It may be built on digital rails designed, owned, and powered by Africans. READ ALSO: IMF Ghana Review Ends in Dramatic Cliffhanger Fidelity Demands Africa Own Its Digital Future

Fidelity Demands Africa Own Its Digital Future

by Maynard Champion

Absa Bank Ghana Empowers Academic City University College With Money Skills

Absa Bank Ghana Empowers Academic City University With Money Skills

by Maynard Champion

Access Bank Strengthens Ashanti With Strategic Investment

Access Bank Strengthens Ashanti With Strategic Investment

by Maynard Champion

United Bank for Africa Posts Industry’s Lowest Bad Loan Ratio United Bank for Africa Ghana has delivered one of the most remarkable performances in Ghana’s banking industry, emerging with the lowest non-performing loan ratio in the sector and setting a new benchmark for prudent lending, asset quality, and corporate discipline. At a time when banks across emerging markets continue to battle rising credit risks, economic uncertainty, and pressure on asset quality, UBA Ghana’s latest financial performance has become a standout success story. The bank’s Non-Performing Loan ratio, which stood at 29.40 percent in 2021, has dropped sharply to an impressive 2.11 percent in 2025. This exceptional improvement places the bank well ahead of regulatory expectations and significantly below the target set by the Bank of Ghana, which requires banks to maintain bad loan ratios below 10 percent by June 2026. The numbers tell a powerful story of strategic execution, disciplined lending, and a leadership team committed to sustainable growth. Bad Loans Fall Dramatically The bank’s total non-performing loans have also seen a dramatic reduction over the four-year period. From GH¢334 million recorded in 2021, the figure has now dropped to just GH¢28 million in 2025. Industry analysts say this sharp decline reflects a deliberate and aggressive approach to loan portfolio management, one that prioritizes risk identification, credit discipline, and rapid intervention. For many financial observers, this is not merely a statistical improvement. It is evidence of a bank that has transformed its internal credit systems and strengthened its ability to manage lending risk in a highly competitive market. UBA Ghana’s performance is being viewed as a model for other financial institutions seeking to improve balance sheet quality while still expanding lending activities. Strong Risk Culture Drives Results According to Kenneth Amponsah, the achievement did not happen overnight. He explained that the bank adopted a consistent and structured approach to managing credit risk across every stage of the lending cycle. He noted that the improvement in the bank’s loan quality was the result of stronger lending standards, improved loan screening procedures, tighter monitoring systems, and faster recovery mechanisms. The bank’s risk management strategy focuses on ensuring quality at the point of loan origination while maintaining strict oversight throughout the life of each facility. This includes strategic portfolio planning, efficient approval processes, proper documentation, collateral verification, real-time account monitoring, and proactive loan recovery. Banking experts say such a full-cycle approach is critical in today’s economic environment, where loan defaults can quickly erode capital and investor confidence. Recovery Efforts Yield Strong Returns One of the strongest drivers behind the bank’s improved asset quality has been its recovery operations. UBA Ghana has significantly strengthened its debt recovery framework, resulting in consistent gains over the years. In 2025 alone, loan recoveries reached an impressive GH¢168 million, highlighting the effectiveness of the bank’s recovery teams and internal enforcement systems. This strong recovery performance has helped the bank clean up its balance sheet while improving liquidity and strengthening capital resilience. Analysts believe the recovery figures also demonstrate the bank’s ability to engage customers proactively while maintaining professional relationships and ensuring compliance. Leadership Applauds Team Performance Commenting on the achievement, Bernard Gyebi praised the collective effort of the bank’s staff, management, and board. He said the milestone reflects the dedication and discipline of Relationship Managers, Risk teams, Executive Management, and Board members who have all contributed to building a resilient institution. According to him, UBA Ghana remains focused on balancing business growth with sound risk management practices. He emphasized that the bank is intentional about creating long-term value for shareholders, customers, and regulators while maintaining high standards of governance and accountability. His remarks underline the bank’s broader strategy of building a strong institution capable of supporting businesses and contributing to national economic growth. Setting the Pace for Ghana’s Banking Sector Industry observers believe UBA Ghana’s latest achievement reflects broader improvements within Ghana’s banking sector, which has undergone major reforms in recent years. However, they note that UBA Ghana’s performance stands out because of the speed, consistency, and scale of its transformation. By bringing its bad loan ratio down to just 2.11 percent, the bank has positioned itself as one of the safest and most disciplined lenders in the market. As competition intensifies and regulatory standards become stricter, UBA Ghana’s performance could serve as a benchmark for banks seeking to combine profitability with responsible lending. With strong governance, effective execution, and a clear commitment to excellence, UBA Ghana appears firmly positioned to sustain its leadership in Ghana’s evolving financial sector. READ ALSO: Tema Manhean Facility To Halt Fisheries Value Leakage United Bank for Africa Posts Industry’s Lowest Bad Loan Ratio

United Bank for Africa Posts Industry’s Lowest Bad Loan Ratio

by Maynard Champion

Banks Exit Survival Mode With Strong Buffers

Banks Exit Survival Mode With Strong Buffers

by Maynard Champion

Ecobank Group, AGRA Launch Bold Agribusiness Financing Deal

Ecobank Group, AGRA Launch Bold Agribusiness Financing Deal

by Maynard Champion

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