Introduction Macroeconomic Insights Global Political Landscape Ghana’s Fiscal Position Technology & Cybersecurity Banking Industry must also confront the growing threat of fraud, particularly technology-enabled and insider- related incidents that erode trust and impose real financial costs. The Association has therefore purposed to intensify its fraud awareness and prevention campaign, working with regulators and member banks to strengthen internal controls, promote ethical conduct, and improve information sharing across the sector. Safeguarding trust is no longer a compliance exercise; it is central to financial stability.
sector, offering a trusted, bank-led platform that supports financial inclusion, payment sovereignty, and customer confidence. Wider adoption and consistent customer education will be critical to unlocking its full value. A strong, unified digital platform is essential if banks are to compete effectively, reduce fraud risk, and retain relevance in an increasingly platform-driven financial landscape. and development partners, the Association will continue to advocate for policies that strengthen financial stability while enabling banks to play a stronger role in financing growth and transformation. This Outlook is intended to inform, challenge, and guide decision- makers.
It reflects our collective responsibility to consolidate recent gains, manage emerging risks, and position the banking sector as a trusted pillar of Ghana’s economic recovery and long-term development. The Ghana Association of Banks (GAB) remains committed to supporting a stable, resilient, and forward-looking banking system. Through sustained engagement with policymakers, regulators, Equally important is the need to deepen industry collaboration in digital payments. GhanaPay remains a strategic asset for the banking Mr. John Awuah (CEO, Ghana Association of Banks) Ghana Association of Banks 2026 Industry Outlook 02