ReFinD presented a comprehensive analysis of the Bank of Ghana's 2025 Directive on Digital Credit and Digital Assets to MTN Ghana MobileMoney Limited (MML), offering strategic insights into the regulatory framework's implications for Ghana's digital financial ecosystem.
The commissioned report and accompanying fact sheet examine the directive's impact on market readiness, financial inclusion, SME support, and MML's strategic positioning in the evolving regulatory landscape. The report was prepared by ReFinD following the Initiative’s participation in the 2025 FinTech Stakeholders Forum, where it contributed to discussions on unlocking Ghana's fintech potential.
Led by Executive Director Prof. Peter Quartey, the ReFinD team presented findings that illuminate how the directive balances innovation with consumer protection in Ghana's digital lending sector. The discussion explored practical pathways for MML to leverage the new framework to enhance inclusive financial services while reaching SMEs and underserved communities.
"We are grateful to MTN MobileMoney for entrusting us with this important assignment," Prof. Quartey noted. "It is an encouraging affirmation of ReFinD's expertise and our commitment to advancing evidence-based insights in digital finance."
The engagement, held at on 24 November 2025 at MML's Accra offices, exemplifies the value of research-industry collaboration in advancing regulatory compliance, innovation, and financial inclusion across Ghana's digital financial ecosystem.