In a welcome address at the ACI FMA World Congress 2026, Bank of Ghana Governor Johnson Pandit Asiama said Ghana's recent macroeconomic stabilisation has created the basis for deeper financial market development and used the speech to set out priorities on digital payments, digital finance regulation and regional market integration. He cited inflation falling to 3.4 percent in April 2026 from a peak of 54.1 percent in December 2022, reserves above USD 13.9 billion with more than five months of import cover, a 1,400 basis point reduction in the policy rate since early 2025, fiscal consolidation and a recapitalised banking system. On market infrastructure, he said Ghana has built an interoperable payments ecosystem with instant transfers, large-scale mobile money integration, QR-code interoperability and settlement infrastructure through Ghana Interbank and Payment Settlement Systems. He added that the e-Cedi central bank digital currency has completed its pilot phase and is now being designed for cross-border settlement and wholesale payments. On digital finance oversight, he said the 2025 Virtual Asset Service Providers Act is being operationalised through a detailed regulatory framework, alongside work on the fintech sandbox, supervisory technology and stronger cybersecurity arrangements, with coordination under way with the Securities and Exchange Commission and the Ghana Stock Exchange as banking, capital markets and digital finance increasingly converge. The speech also pointed to ongoing work with regional partners on licence passporting for fintechs, harmonised payment rails and a broader connected African financial market, framed around allowing firms and payments to operate across jurisdictions with fewer duplicative compliance and infrastructure barriers.

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