Ghana has retained its position as the world’s top-performing country in mobile money regulation, achieving a higher score in the 2025 Mobile Money Regulatory Index published by the Global System for Mobile Communications Association (GSMA).
The country recorded an overall score of 96.10 percent, up from 95.06 percent in 2024, reinforcing its global leadership in establishing a strong regulatory framework that supports mobile money growth, financial inclusion, and digital innovation.
The GSMA’s Mobile Money Regulatory Index evaluates the effectiveness of regulatory environments across 90 countries, measuring how policies enable safe, accessible, and sustainable mobile financial services. Ghana’s improved performance highlights the strength of its regulatory oversight, consumer protection mechanisms, and commitment to fostering a resilient digital financial ecosystem.
The ranking further cements Ghana’s reputation as a global benchmark for mobile money governance, reflecting years of deliberate policy reforms and collaboration between regulators and industry stakeholders.
The Bank of Ghana reaffirmed its commitment to working with key partners to sustain this progress, emphasizing continued efforts to implement policies that advance financial inclusion and accelerate the country’s transition toward a fully digitised and inclusive economy.
Ghana’s consistent top ranking underscores the country’s strategic focus on leveraging digital financial services as a driver of economic growth and expanded access to financial services for millions of citizens.
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