In a keynote address at the Financial Architecture Summit 2026, the Bank of Ghana outlined how it is adapting regulation and supervision to a more digital and interconnected financial system, with the most concrete near-term step being a Digital Banking Framework and draft guidelines that are ready for stakeholder consultation. The speech framed this as part of a broader shift from supervising individual institutions in isolation toward overseeing ecosystem resilience, including technology, payment and third-party dependencies. It also highlighted work on open banking, the e-Cedi and the implementation of Ghana's virtual asset regime. The update linked that shift to the scale of digital finance in Ghana, citing GHS 493.2 billion in mobile money transactions across 967 million transactions in April 2026, 26 million active accounts, 534,000 active agents and GHS 79.0 billion settled through GhIPSS Instant Pay. It reiterated that the revised Cyber and Information Security Directive launched in March requires cyber risk expertise at board level, sets a framework for the governance of artificial intelligence in fraud detection, credit scoring and customer service, and establishes rules for cloud adoption. Supervisory attention is also widening to concentration risk, shared service providers and other operational dependencies, with the Financial Industry Command Security Operations Centre being extended beyond universal banks to savings and loans companies, microfinance institutions, fintechs and partner regulators. Next steps highlighted in the speech include consultation on the Digital Banking Framework, continued work on open banking and the e-Cedi, and the development with the Securities and Exchange Commission of licensing requirements and implementation guidelines to operationalise the Virtual Asset Service Providers Act, 2025.

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