Message from the Chief Executive

Dear Partners,

As we progress through the first quarter of 2026, I want to express my sincere appreciation for your partnership. The year-on-year growth recorded across our platforms is a testament to our industry’s collaboration and the deepening confidence in the shared systems we manage.

The past year demonstrated the impact of our collective efforts. In 2025, the industry processed 530 million transactions, a 31.7% increase over the 402.5 million recorded in 2024. Even more significant was the growth in transaction value, which surged by 50%, from GHS 1.15 trillion to GHS 1.73 trillion. Let’s challenge ourselves to move transaction volumes to 1 billion by the end of 2026.

These figures are more than just data points; they signal a shift in consumer behaviour and a validation of the "cash-lite" agenda. This success belongs to the banks, fintechs, and regulators who have worked in lockstep to make digital payments a cornerstone of Ghanaian commerce.

Looking ahead, 2026 is an opportunity to build on this momentum. GhIPSS remains firm in its "infrastructure-first" mandate. Our role is to provide the secure, interoperable payment rails that strip away operational complexity, allowing you to focus on what you do best: innovating for the end user.

As digital transactions become more deeply embedded in daily life, the expectations for speed and security have never been higher. Our 2026–2029 Strategic Direction is designed specifically for this reality. We are committing the next four years to:

• Architectural Resilience: Upgrading our technology to meet international standards for scale.
• System Integrity: Enhancing fraud management and reliability to protect the ecosystem.
• Service Excellence: Ensuring our delivery supports your most ambitious digital payment goals.

In the coming months, I look forward to meeting with many of you during a series of courtesy visits to our partner institutions. These engagements will be vital as we align our efforts for the years ahead.

Together, we are not just processing transactions; we are advancing the economic fabric of Ghana. Thank you for being part of this journey. Do enjoy this edition of our newsletter.

Warm Regards,

Clara B. Arthur

Chief Executive