Category: Daily Guide Network

Ambassador Dr. Eunice Brookman-Amissah, a member of the Council of State, has called for sustained investment in reproductive healthcare, stronger primary healthcare systems, and the adoption of evidence-based policymaking to address persistent health challenges in Ghana and across Africa.

She made the appeal when she delivered the 10th John Evans Atta Mills Leadership Lecture, held under the theme ‘From Knowledge to Action: Bridging Africa’s Reproductive Health Gap: The Role of Health Training Institutions.’ The event brought together policymakers, academics, health professionals, and students to deliberate on strategies to improve reproductive health outcomes on the continent.

Dr. Brookman-Amissah emphasised the urgent need to accelerate progress in reducing maternal mortality in Africa, noting that while there have been improvements in maternal health outcomes due to advances in healthcare interventions, the rate of progress remains inadequate. She stressed that persistent inequalities in access to quality healthcare continue to hinder meaningful gains, particularly in sub-Saharan Africa.

According to the Council of State member, health training institutions play a critical role in bridging the gap between knowledge and practice by producing competent professionals equipped to respond effectively to reproductive health challenges. She urged stakeholders to ensure that academic knowledge is translated into practical, life-saving interventions within healthcare systems.

Touching on Comprehensive Sexuality Education (CSE), she underscored the importance of equipping young people with accurate, scientific, and factual information to enable informed decision-making. She, however, expressed concern that many parents and teachers are insufficiently prepared to provide guidance on sexuality education, describing it as a critical gap that requires urgent attention.

‘Comprehensive Sexuality Education is designed to provide well-researched, scientific and factual information in an informative manner. Unfortunately, many parents and teachers are not adequately equipped to provide guidance and answers on CSE to boys and girls,’ she stressed.

The former Ghanaian Ambassador to the Kingdom of the Netherlands also called for increased investment in Ghana’s healthcare workforce, particularly frontline and mid-level health professionals, describing them as central to improving service delivery and healthcare quality nationwide.

She further advocated the integration of healthcare systems through data-driven digital platforms and efficient supply chain management, warning that fragmentation within the health sector continues to undermine service delivery and equitable access to care.

‘There is a critical need to integrate healthcare services in Ghana through data-driven systems and strengthen logistics and supply chains across the health sector,’ she stated, adding that health policies must be guided by science, evidence, and human rights rather than ideology or misinformation.

She called on facilities under the Christian Health Association of Ghana (CHAG) to ensure non-discriminatory access to healthcare services regardless of patients’ religious affiliations. She stressed that healthcare delivery must remain centered on patient welfare and national health priorities.

‘Healthcare institutions, including faith-based facilities, remain essential partners in Ghana’s healthcare delivery system and should ensure that clients receive professional and non-discriminatory services irrespective of their backgrounds or beliefs,’ she added.

She emphasised the need to bridge the gap between policy formulation and implementation, calling on governments, training institutions, and healthcare providers to translate knowledge into practical interventions that improve reproductive health outcomes.

The J.E.A.M. Leadership Lecture Series, held in honour of the late former President John Evans Atta Mills, provides a platform for discussions on leadership, governance, and national development. The 10th edition focused on strengthening reproductive health education and service delivery across Africa through collaboration and practical action.

Multidimensional poverty levels declined in 250 out of 261 districts of the country between 2021 and 2025, according to the Ghana Statistical Service (GSS).

The Government Statistician, Dr. Alhassan Iddrisu, who disclosed this at the launch of the District-Level Multidimensional Poverty Incidence and Rankings Factsheets in Accra yesterday, described the development as encouraging evidence that targeted investments and social interventions were yielding results.

He said the findings represented the first time in Ghana’s history that comparable multidimensional poverty estimates had been produced consistently for all 261 districts over multiple years.

‘This tells us that progress is possible. It tells us that investments in education, healthcare, social protection, infrastructure and livelihoods can make a difference,’ he stated.

Dr. Iddrisu explained that the new district-level estimates marked a major milestone in the nation’s statistical system and would strengthen decentralised planning, poverty targeting and evidence-based policymaking.

He, however, noted that despite the national progress, poverty reduction remained uneven across the country, with some districts still recording severe deprivation.

According to the report, Yunyoo Nasuan District in the North East Region recorded the highest multidimensional poverty incidence in 2025 at 51.6 percent, while Ayawaso North Municipal in the Greater Accra Region recorded the lowest at 5.5 percent.

The Government Statistician said the more than 46 percentage-point gap between the two districts highlighted persistent inequalities and demonstrated how location continued to shape opportunities and quality of life in Ghana.

He further revealed that the six districts with the highest poverty incidence in 2025 were all located in the North East Region, while poverty generally remained concentrated in parts of the North East, Northern, Oti, Savannah, Upper East, Upper West and Bono East regions.

Dr. Iddrisu said some districts, however, achieved remarkable improvements during the period under review.

He cited Wa West District in the Upper West Region, which reduced multidimensional poverty from 61.9 percent in 2021 to 24 percent in 2025, as the district with the largest improvement nationwide.

Sekyere Afram Plains in the Ashanti Region also reduced poverty significantly from 50.5 percent to 13.5 percent within the same period.

‘These districts show that meaningful progress can happen even in places that once faced very high poverty levels. We must study what worked in these districts and apply the lessons elsewhere,’ he stated.

The report, however, identified Guan District in the Oti Region as recording the largest increase in multidimensional poverty, rising from 28.1 percent in 2021 to 34.8 percent in 2025.

Dr. Iddrisu stressed that multidimensional poverty went beyond income levels and included deprivation in education, health, housing, sanitation, employment, electricity and access to essential services.

He said the estimates were produced using internationally accepted Small Area Estimation techniques, combining data from the 2021 Population and Housing Census, the 2022–2024 Annual Household Income and Expenditure Survey, and the 2025 Quarterly Labour Force Survey across 13 wellbeing indicators.

The Government Statistician urged Parliament, Metropolitan, Municipal and District Assemblies, development partners, businesses and civil society organisations to use the rankings to guide planning, budgeting and resource allocation.

He announced that individual poverty factsheets for all 261 districts would be made publicly available on the Ghana Statistical Service website immediately after the launch.

Rabat is pursuing a path of deep transformation, driven by economic, social and institutional reforms, an increasingly assertive diplomacy, and a determination to establish itself as a major regional actor in Africa, the Mediterranean and the Atlantic space.

According to the American think tank the ‘Stimson Center,’ Morocco today appears as one of the most stable and strategically positioned countries in North Africa. At the crossroads of Europe, Africa and the Atlantic world, the Kingdom seeks to consolidate its role as a political, economic, logistical and technological platform. This ambition is based both on far-reaching domestic reforms, an active foreign policy and a modernization strategy focused on high value-added sectors.

On the diplomatic front, Rabat continues to defend the centrality of its autonomy plan for the Sahara, presented as the most realistic basis for achieving a lasting political solution. United Nations Security Council Resolution 2797, adopted at the end of October 2025, established a new negotiating framework centered on the Moroccan plan, with the full and complete participation of Algeria. For Morocco, this development strengthens a favorable diplomatic dynamic, marked in recent years by growing support from several international partners for its autonomy proposal.

This orientation is part of a broader strategy to consolidate Moroccan influence. The Kingdom is strengthening its partnerships with the United States, the European Union, Gulf countries and several African states. In sub-Saharan Africa, it relies on investment, religious cooperation, training, infrastructure, banking, telecommunications and fertilizers to assert its role as a leading economic and political partner.

An Economy Undergoing Transformation, Focused On Competitiveness

Economically, Morocco is pursuing a strategy of deep modernization, built around the New Development Model, presented in 2021 and designed as a roadmap through 2035. This vision aims to strengthen the competitiveness of the private sector, reduce inequalities, improve education and health systems, consolidate governance and promote job creation, particularly for young people. It also emphasizes the development of high value-added industries and greater involvement of the regions in the growth dynamic.

In the same spirit, Rabat has launched a major social reform aimed at establishing universal social protection, with the expansion of health insurance, the extension of pension coverage to self-employed and informal workers, and the introduction of family allowances. In 2024, nearly 88% of the population already benefited from basic health coverage.

At the same time, Moroccan authorities are pursuing tax and administrative reforms intended to simplify corporate taxation, broaden the tax base, combat the informal sector and accelerate the digitization of tax and customs services. These measures are part of a broader strategy to improve budgetary efficiency, transparency and economic attractiveness.

This transformation also relies on massive investments in port, road, rail and digital infrastructure. In this regard, the Tanger Med complex illustrates the Kingdom’s growing logistical strength. Located on the strategic Tanger Med–Algeciras corridor, at the heart of the Strait of Gibraltar, this hub has established itself as the leading container port in Africa and the Mediterranean. In 2024, it handled 10.2 million TEUs, far surpassing Algeciras. Around the port, more than 1,200 companies now operate in sectors such as automotive, aeronautics, textiles and advanced logistics.

Thanks to its maritime connectivity, integrated industrial zones and free trade agreements with the European Union and the United States, Morocco is positioning itself as a major platform for production, industrial relocation and exports to European, African and Atlantic markets. This orientation reinforces the image of a country seeking to combine political stability, economic reforms and deeper integration into global value chains.

Morocco’s Bet On Artificial Intelligence And Digital Technology

Morocco also intends to make digital technology and artificial intelligence a central lever of its economic transformation. Already considered one of the most advanced digital economies on the African continent, the Kingdom unveiled the Morocco AI 2030 roadmap in January 2026, linked to the Morocco Digital 2030 strategy launched in 2024. This orientation aims to modernize public administration, stimulate private innovation, strengthen national skills in artificial intelligence and reduce dependence on foreign technological solutions.

Through these strategies, Moroccan authorities aim to create around 240,000 digital jobs and generate nearly 10 billion dollars in contribution to GDP by 2030. The planned establishment of the Al Jazari Institutes, designed as a national network of AI centers of excellence, is expected to bring university research closer to economic and regional needs. A General Directorate for AI and Emerging Technologies is also expected to coordinate public policies in this field.

This ambition goes beyond the national framework. In partnership with the United Nations Development Programme, Morocco seeks to promote an Arab-African digital hub, thereby affirming its desire to position itself as a continental reference actor in AI and digital development. At the multilateral level, Rabat has also strengthened its diplomatic profile in technological governance, notably by co-initiating with the United States the first United Nations General Assembly resolution devoted to artificial intelligence, adopted by consensus in March 2024.

These ambitions are supported by a growing digital infrastructure: high internet penetration, mobile development, submarine cable connectivity with Europe and West Africa, as well as an active ecosystem around Casablanca, particularly in service outsourcing, fintech and call centers. The presence of actors such as Maroc Telecom, which operates beyond national borders, also strengthens the country’s regional foothold.

A Strengthened Geopolitical Positioning

The think tank emphasizes that Morocco also seeks to take advantage of its geography. Its access to the Atlantic, proximity to Europe and African anchoring allow it to present itself as a bridge between several strategic spaces. Rabat promotes an economic diplomacy based on connectivity, logistics corridors, energy, infrastructure and South-South cooperation.

This vision is reflected in particular in the importance given to the Atlantic initiative, which aims to provide Sahel countries with access to global markets through Moroccan ports. In a regional context marked by instability in the Sahel and the reshaping of international alliances, Morocco seeks to position itself as an actor of stability, mediation and economic integration.

The report also highlights Morocco’s energy strategy. The Kingdom is presented as one of the regional leaders in solar power, wind power, green hydrogen and the energy transition. The Noor Ouarzazate solar complex is cited as one of the symbols of this ambition.

Thanks to its solar and wind potential, a long-term state vision and its ability to build international partnerships, Morocco intends to become a strategic supplier of green energy to Europe and an important player in new global energy chains.

This orientation is part of a broader strategy: reducing energy dependence, attracting industrial investments linked to clean technologies and positioning itself in future markets, particularly batteries, electric vehicles and green hydrogen.

In conclusion, the ‘Stimson Center’ highlighted the Kingdom’s stability and remarkable progress over the past two decades, thanks in particular to the constitutional monarchy system, economic liberalization, trade agreements and industrial policy, among other factors. It stressed that the Kingdom now possesses the necessary foundations to become one of the most important economies and influential powers on the African continent and in the Mediterranean space in the coming decades.

The Ashanti Regional Chairman of the New Patriotic Party (NPP), Bernard Antwi Boasiako, popularly known as Chairman Wontumi, has pleaded not guilty to charges of allegedly causing GHS30 million financial loss to a public body in the course of a business transaction with Ghana Export-Import Bank (Ghana EXIM Bank).

Wontumi, who is already standing trial in two different courts over mining related offences, is accused of obtaining GHS14,302,000 from the bank under false pretences.

He is further accused of using a forged receipt, knowing that the same is not genuine, to obtain about GHS4,000,000 from the bank in 2018.

Charged alongside him are Thomas Antwi-Boasiako, who is on the run, and his company, Wontumi Farms Limited.

He was granted bail by the court, presided over by Justice Halima Abdul El-Lawal Basit. The prosecution was ordered to file disclosures for case management on June 18.

Court documents indicate that sometime in January 2018, Wontumi approached the Ghana EXIM Bank for a grant of GHS19 million facility to embark on a farming venture.

Wontumi is said to have declared in the grant application that a parcel of land – 100,000 acres in size – has been secured for the project.

Accompanying the grant application letter was a letter titled ‘Board Resolution Letter’ and dated January 23, 2018, signed by Thomas Antwi-Boasiako stating that the grant application was authorised by the company’s board of directors through a resolution passed on December 9, 2017.

The prosecution alleges that the document predated the incorporation of the company by four clear days.

The second document is a ‘Proposed Project for Wontumi Farms’ in which the accused persons allegedly represented to the bank that just about 6,000 acres of the farm project is estimated to employ about 6,000 families of about 38,000 individuals.

The brief fact notes that on January 16, 2018, the bank made a mixture of loan and grant facility offer of GHS18,734,260 facility.

The brief fact notes that money was to be spent on the purchase of agricultural plant and machinery, working capital and a grant for staff and labour cost, and consultancy fees.

The Attorney General alleges that the bank had disbursed a total of GHS14,302,000 to Wontumi Farms Limited, but the accused persons did not undertake the proposed farming activity.

‘They bought no agricultural plant and machinery. They employed no one to work on the farm. They did not own or secure the parcel of land which they represented to the Bank as a parcel of land secured for the proposed farm,’ court documents allege.

The documents further allege that in March 2018, Wontumi presented a receipt to the bank claiming they had purchased GHS4 million worth of agricultural plant and machinery for the farm.

‘The Bank relied on the document to advance more funds to A3 (Wontumi Farms Limited) for the farm project,’ it added.

The brief fact further alleges that the said receipt was originally a pro-forma invoice issued by KAS-SAMA Enterprise to Wontumi when he made price inquiries.

‘Investigation has established that the inscription ‘Pro-forma Invoice’ on the document was altered and replaced with ‘Receipt’,’ the fact disclosed.

It added that Wontumi withdrew huge sums of the funds from his company’s bank accounts and spent the same for his personal use, including investing such sums in other business enterprises.

‘All efforts by the Bank to recover the monies from the Accused Persons landed on rocks,’ court documents added.

A raging fire has destroyed a compound house and a provision store at Manso Wahaso near the Wahaso Community Centre in the Amansie area of the Ashanti Region, leaving two persons injured and several tenants homeless.

The incident occurred around 5:30 p.m. on Saturday, May 16, 2026.

Fifteen occupants made up of nine male adults, three female adults, two boys and a girl were said to be living in the compound house at the time of the fire outbreak.

Although no death was recorded, two persons sustained injuries in the inferno.

According to a situational report by the National Disaster Management Organisation (NADMO), the fire completely destroyed the compound house and a provision store operating from a container on the premises.

Preliminary investigations revealed that the blaze started during maintenance works on a water pump.

Reports indicate that some workers were moving a machine containing petrol close to a cooking area being used by a food vendor and provision store operator identified as Sister Cynthia.

The report stated that petrol spilled from the machine and came into contact with fire from the cooking area, sparking the blaze.

Items and cash estimated at GHS600,000 were destroyed, while the building was estimated to have suffered damage worth GHS400,000.

Personnel from the Ghana National Fire Service, NADMO officials, the Assembly Member for the Achiase Electoral Area and residents of the Wahaso community assisted in bringing the fire under control.

The report, signed by Simon Arthur, Deputy District Director for Technical at NADMO, noted that the landlord, Opanin Yaw Amoah, does not stay in the house as it is fully occupied by tenants.

GHANAIAN BUSINESS magnate and fashion entrepreneur, Nana Sarfo, has revealed that 99.9% of the international designer products sold in Ghana are not original.

Speaking on the Revealed – The New Era hosted by Bliss Kingg, the CEO of Savile Row Ghana stated that many fashion businesses sell fake international designer products for their clients in the country.

‘I can tell you that in Ghana, 99.9% of the designers is not original. Believe me, I won’t lie to you. I don’t want to spoil somebodies business, that’s the truth believe me. It’s not easy to sell a brand in Ghana and you can go further, it’s not easy (sic),’ he said.

Nana Sarfo said when it comes to his fashion business, most of the designer products clients purchase from his outfit are original and quality, reason why over the years he is still in business amidst the challenges.

‘A lot of people don’t believe that I sell original. Because here, a lot of people travel and buy, but I thank God that now anyone who comes here see that I sell authentic,’ he disclosed.

Nana Sarfo’s name resonates with fashion enthusiasts, as he consistently exudes a classy and dapper appearance, whether he is attending formal or casual events.

As the proprietor of Savile Row, with exclusive locations in high-end areas such as East Legon, Airport City (Stanbic Heights), and Kempinski Hotel, Nana Sarfo is a figure of style and elegance in the fashion industry.

On October 14, 2023, during the 2023 EMY Awards, Nana Sarfo was honoured as the Man of Style. This recognition did not come as a surprise, given his unwavering commitment to looking his best.

Team Ghana wrapped up the just-ended African Senior Athletics Championships with a total of five medals after six days of intense competition at the University of Ghana Stadium in Accra.

The 24th edition of the continental event attracted athletes from 40 countries, all battling for honours and new records. Although Ghana failed to secure a gold medal on home soil, the hosts still produced impressive performances to finish with one silver and four bronze medals.

Esther Obenewaa delivered Ghana’s best result of the championship by winning silver in the women’s high jump event, emerging as the country’s only finalist to finish in second place.

In the women’s 400m final, Florence Agyemang powered her way to a bronze medal after clocking an impressive 51.87 seconds to finish third.

National 800m record holder Alex Amankwah also earned a place on the podium, taking bronze in the men’s 800m final with a time of 1:46.18.

Ghana’s relay teams added to the medal haul with strong performances in the 4x100m events. The women’s relay team produced a spirited display to secure bronze in the final event of the championship.

The men’s 4x100m team, who entered the competition as defending champions, also settled for bronze after finishing behind Côte d’Ivoire and Nigeria at the packed University of Ghana Stadium.

Rapper, Medikal, has shared his excitement over Black Sherif winning the Artiste of the Year award at the 2026 Telecel Ghana Music Awards (TGMA).

Speaking on the award Medikal described Black Sherif’s victory as well-deserved.

According to him, Black Sherif’s music tells real-life stories of struggle, hard work, and survival that many young people can relate to.

‘If you listen to Blacko’s songs from day one, the content is about struggling and trying to make it, coming from the street. So he’s a street boy, blessed by God,’ Medikal said.

The rapper added that he felt proud and genuinely happy watching his colleague receive the top award on the night.

‘So Blacko winning Artiste of the Year is equally deserving as me picking the plaque. The joy I would have felt if I had won was the same joy I felt when Blacko won Artist of the Year,’ he stated.

‘I’m happy for him. Clapping my hands and nodding for him, I was happy for my brother,’ he added.

Black Sherif won the 2026 TGMA Artiste of the Year award on Saturday, May 9, marking his second victory in the prestigious category. He beat competition from top artistes including Wendy Shay, Sarkodie, Stonebwoy and Diana Hamilton.

Since his win, Black Sherif has continued to receive praise from fans and fellow musicians across the country.

MTN GHANA has committed to a $1.1 billion investment plan over the next three years to drive 5G rollout, network expansion, and fintech growth as part of its 30th anniversary celebrations.

Speaking at the launch of the anniversary which brought together industry partners and stakeholders, MTN Chief Executive Officer (CEO) Stephen Blewett, said approximately $380 million of that investment would be deployed in 2026 alone, including the construction of around 800 new network sites to improve coverage and service quality nationwide.

Mr. Blewett said the anniversary celebrations themed, ’30 Years of Progress, Powered by You’ is the company’s renewed commitment to the country’s digital transformation agenda and a message of gratitude to customers and stakeholders.

The six-month long celebration will offer recognition rewards, including three Toyota Land Cruisers Prado Sport Utility Vehicle (SUV), lifestyle experiences, data freebies, smart gadgets, movie premieres and consumer prizes under what it calls MTN rewards, enabling customers to win exciting benefits through participation from June to December.

Looking back at the last 30 years, Mr. Blewett described the telecom’s journey as a constant evolution alongside the country’s digital revolution—shifting from simple voice services to data and mobile money.

He noted that over the past three decades, MTN Ghana has helped redefine communication and commerce in the country, moving society from an era of physical visits and delayed communication to one powered by mobile technology and digital connectivity.

Moving forward, Mr. Blewett believes 5G and AI will completely change how people access digital services. ‘It’s not just about 4G or 5G…, but about what they actually empower businesses and individuals to do,’ he said.

Mr. Blewett added that mobile money is shifting from simple transactions into a full suite of financial services—such as micro-loans, savings, and insurance—transforming MTN into a hub for financial empowerment. He also highlighted the company’s push for a sustainable future, driven by investments in solar energy and green infrastructure.

‘Today, millions of Ghanaians rely on mobile money every day. It supports households, businesses, agents and entire value chains. It is deeply woven into the fabric of Ghana’s economy and daily life,’ he stated.

Minister for Communication, Digital Technology and Innovations, Samuel Nartey George, lauded the telecom giant for driving the nation’s digital evolution.

According to him, MTN’s investments in network expansion, fibre deployment and digital financial services had significantly transformed how Ghanaians communicate, conduct business and access services.

The Minister commended MTN Ghana for driving the economy through job creation, revenue generation, and a robust network of local vendors and innovators.

While celebrating these successes, he urged continued public-private partnerships to tackle industry challenges like cybersecurity, digital skills, infrastructure protection, and affordable internet access.

‘Government will continue to work with the broader industry to unlock these opportunities in ways that are inclusive, secure and sustainable,’ he assured.

Something curious is happening in Ghana’s marketplaces, salons, and small shops. The ‘Cash Only’ sign is creeping back into view, without much fanfare. A few years ago, every serious business wanted a Mobile Money number posted on the wall, and customers were proud to pay by tapping their phones. Today, the mood has shifted, and many business owners are quietly opting for the familiar weight of cedis over the convenience of digital payments. The question worth asking is why.

The Fee Problem That Never Went Away

Digital payments in Ghana carry costs that businesses can no longer absorb in silence. Every transaction trims a slice from already thin margins, and for traders who sell low-value items in high volumes, those slices add up to real money lost at the end of each month. The E-Levy may have softened in public memory, but the broader culture of charging customers and merchants for moving their own funds remains firmly in place. Cash, by comparison, asks for nothing once it lands in the till.

Network Failures and Broken Trust

Ghanaian business owners have grown tired of hearing ‘network is down.’ A failed transaction on a busy afternoon can stall a queue, frustrate loyal customers, and leave the trader unsure whether the money is coming or gone. When a payment hangs in limbo for hours or even days, the business bears the stress while the telco offers little more than a reference number. Cash removes that uncertainty entirely, since once it is in your hand, no system can swallow it.

The Rise of Payment Scams

Fraud has grown smarter and bolder across Ghana’s digital payment ecosystem. Fake payment alerts, doctored screenshots, and reversed transactions have caught many traders off guard, especially those who do not have time to verify every notification. A small business owner who loses a single big sale to a scam can spend weeks recovering, and word travels fast in trader circles. Once trust breaks, cash becomes the safer language to speak.

Record-Keeping and Tax Pressure

Digital payments leave footprints, and many small businesses in Ghana have realized that those footprints can be followed. As tax authorities sharpen their tools and demand clearer records of revenue, some traders have grown wary of leaving a complete digital trail of every cedi earned. Cash offers a kind of breathing room that fits the informal rhythm of how many businesses still operate. Whether one agrees with this reasoning or not, it is a real driver of the shift.

Customers Are Also Choosing Cash

Businesses are not making this choice alone, as customers are quietly leading the way, too. Many Ghanaians have started carrying cash again because they feel more in control of their spending when they can see and feel it leave their hands. Budgeting on Mobile Money can blur the line between needs and wants, and a growing number of shoppers want that line back. When customers reach for cash, businesses naturally follow.

Conclusion

The return to cash in Ghana is not a rejection of digital finance, but a clear message that the system still has work to do. Fees feel heavy, networks feel unreliable, fraud feels too close, and trust feels too thin. Until those problems are addressed with the seriousness they deserve, the quiet hum of cash changing hands will continue to grow louder across the country. Ghana wanted a cashless future, yet the future seems to have its own opinion.