Ghana has maintained its position as the world’s leading mobile money regulator, cementing its status as one of Africa’s most sophisticated digital finance systems.
According to the GSMA’s 2025 Mobile Money Regulatory Index, Ghana scored 96.10 percent, up from 95.06 percent the year before. The score assesses regulatory effectiveness in 90 nations.
In a statement made on February 20, the Bank of Ghana stated that the better score reflects the country’s ongoing efforts to create a “world-class regulatory environment” that promotes innovation while increasing financial inclusion.
The central bank stated that its performance reflected “progressive policies and strong oversight” within the mobile money ecosystem, which it claims protects customers and ensures operational integrity.
Ghana’s repeated top rating has attracted international attention as governments across the world seek to increase digital payments and bring more people into formal banking institutions.
Mobile money is an important tool in Africa, where access to traditional banking is sometimes limited.
The Bank of Ghana also stated that it will continue to collaborate with industry stakeholders to strengthen policies targeted at maintaining momentum toward what it defines as a truly inclusive and digitally empowered economy.
The country’s latest ranking cements its position as a global benchmark for mobile money regulation, at a time when fintech governance is under increased scrutiny around the world.