Understanding the gap between technological progress and everyday financial behavior Over the past decade, Ghana has made significant progress in digital finance. Mobile money usage has expanded rapidly, with transaction values rising from GH¢447.4 billion in February 2026 to GH¢493.2 billion in April 2026 according to the Bank of Ghana Payment Systems Statistics. Consumers can now complete payments with just a few taps on their phones through platforms provided by fintech companies, while many banks have introduced mobile banking applications to facilitate seamless and convenient transactions. On the surface, it appears that the economy is steadily transitioning toward digital payments. Yet across markets, shops, and everyday interactions, a different reality persists; cash continues to dominate. The Reality on the Ground From roadside sellers to small retail shops, cash remains the primary means of exchange. Even in environments where mobile money and other digital payment opti...