Introduction: Mobile Money and Digital Wallets in GhanaMobile money is the dominant payment method in Ghana, and its rise has reshaped how millions of people store, send, and receive funds easily across the country. As of mid-2026, Ghanaians hold a record GH¢40 billion in mobile money wallets. Back in January 2021, 39% of Ghanaians aged over 15 had mobile money accounts - today the ecosystem drive...