In a speech to a breakfast meeting with licensed financial technology institutions, Bank of Ghana Governor Dr Johnson Pandit Asiama set out the central bank’s approach to managing the risks created by the scale-up of digital finance, with a focus on governance, consumer protection and operational resilience. He pointed to the recently enacted Virtual Asset Service Providers Act, 2025, positioning it as a framework for clarity, accountability and transparency in virtual asset activities, alongside a Directive for Digital Credit Services Providers aimed at supporting fair and sustainable digital lending. The Governor also referenced the revised Cyber and Information Security Directive, 2026 and the onboarding of fintechs onto the Financial Industry Command Security Operations Centre, and flagged workstreams on open banking, diaspora “remit-to-invest” pathways including exploring diaspora bonds and foreign-currency-denominated investment vehicles, and cross-border expansion via a Licence Passporting Framework with Rwanda, where two Ghanaian entities have already joined a pilot.
Bank of Ghana 2026-04-23
Bank of Ghana outlines fintech regulatory agenda spanning virtual asset oversight, digital credit rules and cyber security integration
The Bank of Ghana Governor outlined the central bank’s approach to managing risks from digital finance, emphasising governance, consumer protection and operational resilience. He highlighted the Virtual Asset Service Providers Act, 2025, the Directive for Digital Credit Services Providers, and the revised Cyber and Information Security Directive, 2026, alongside fintech onboarding to the Financial Industry Command Security Operations Centre. He also flagged work on open banking, diaspora “remit-to-invest” channels, including potential diaspora bonds and foreign-currency investment vehicles, and a cross-border Licence Passporting Framework with Rwanda, under which two Ghanaian entities are already piloting.