Governor of the Bank of Ghana, Dr. Johnson Pandit Asiama, has urged African countries to shift the focus of digital finance from expanding access to building systems that deliver real economic value across the continent. Speaking at the second edition of the 3i Africa Summit at the Destiny Arena in Accra on the theme “The Next Frontier: Shaping Africa’s Integrated Fintech Future” , he said Africa’s digital finance ecosystem is entering a new phase where inclusion alone is no longer sufficient. He noted that significant progress has been made, with nearly half of adults in Sub-Saharan Africa now having access to digital financial services. Africa is not starting from zero. We are starting from momentum,” he said. However, he stressed that the challenge ahead is to convert that momentum into scale and impact through more advanced financial services that support trade, business growth, and cross-border economic activity. These include digital credit, merchant payments, embedded fina...