Before Hubtel: 

An insurance company that could only sell when its offices were open 

Ghana’s insurance market runs on agents and brokers. An agent or broker finds the customer, explains the product, processes the policy, and collects the premium. The system works when the agent can work. When the agent cannot, nothing moves. 

For this insurer, that meant every sale depended on office hours. A customer who wanted to buy a motor policy on a Saturday had one option: wait until Monday. An agent who had a willing buyer at 7pm had no way to close the sale at such an hour. They would have to call a branch colleague, ask someone to log in on their behalf, or tell the customer to come back during the week. Some customers came back. Many did not. 

Payments, when they did come in, arrived through every channel available. Cash at the counter. Mobile money. Bank transfers. Cheques. Each one landed in a different place and stayed there until someone manually pulled it all together.  

The reporting system they used was only accessible to staff. That meant a customer who wanted to buy could not do it on their own. An agent who wanted to sign someone on could not do that. Every transaction required a branch, a desk, and someone sitting at it. 

Insurance is a business built on relationships and timing. The relationship part worked. The timing did not. Customers who needed to act outside working hours had nowhere to go, and agents who wanted to serve them had no tool to help. 

Bringing Clarity: 

Putting insurance in the hands of agents and customers, wherever they are 

Hubtel came onboard to build a digital distribution and management system that would allow the business sell and serve outside the limits of its branches. The solution was direct: give agents a mobile tool, give customers a self-service option, and give branch staff a live view of the policies in their care. 

Hubtel built three interconnected portals and refreshed the company’s website. 

The Agent Portal was designed to work anytime, anywhere. An agent can now generate an insurance sticker, process a motor policy, or renew a travel policy from wherever they are. A customer who wants to buy on a Saturday afternoon can complete the transaction with their agent without either of them needing to set foot in a branch. 

The Customer Portal gives policyholders direct access to their own accounts. They can buy a motor or travel policy, renew an existing one, or manage multiple policies from their device. 

The Staff Portal gives branch teams a live view of what is happening in their branch: active policies, the total premiums those policies represent, and policies expiring within the next 90 days. Before this, a branch manager who wanted to know how many customers were coming up for renewal had to run a manual report from the system.  

Alongside the three portals, the company’s website was reorganized. An AI-powered chatbot, built to handle customer inquiries and capture leads, was integrated into the site. The chatbot has since generated significant customer interaction volume, helping the business understand what customers are asking and what they need before they ever speak to an agent. 

The five components Hubtel built: 

Putting Management in Control:

A live view of what every branch holds and what every agent earns 

Before the portals existed, staff relied on an internal system to understand what had been collected and which policies were active. The Staff Portal introduced a better management system.

A branch manager can now open the portal and see exactly how many policies are active, how much premium those policies represent, and how many customers are approaching their renewal date. Policies expiring within 90 days are surfaced directly, giving staff a clear, time-sensitive list to work from rather than a report they must search through. 

For the business, the Agent Portal introduced a layer of performance visibility. Every transaction an agent processes goes through the portal; the business can now see how much each agent is collecting, in which months, and from which policy lines. That data is the foundation for understanding which agents are most productive and where additional support or incentive would have the most impact. 

The monthly collection data from the Agent Portal tells its own story. In January 2026, agents collected GHS 604,794 through the portal. By May 2026, that figure had grown to GHS 970,649; a 60% increase in five months. The business can see that growth in real time and make decisions based on what is happening, not on what happened last month. 

What changed operationally: 

Pursuing Growth:

What agents with better tools produce 

The clearest proof of what the platform has produced is in comparison between agents who use it and agents who do not. 

Between January and May 2025, we tracked the performance of two groups of agents: 50 agents actively using the Agent Portal and 462 who were not. The portal agents sold an average of 16.87 policies per month. The non-portal agents sold an average of 9.16 per month. On a per-agent basis, portal users sold 84% more policies than their counterparts who were still working without a digital tool. 

Figure 1: Average policies sold per agent per month, January to May 2025 

The consistency of that advantage matters as much as the average. The portal agents outperformed non-portal agents in every month tracked: January, March, April, and May. The gap was widest in May, where portal agents averaged 14.82 policies against 5.16 for non-portal agents, a difference of nearly 3 to 1 that month. The advantage was not a single month of strong performance. It held across the whole period. 

The portal collection figures show the same direction of travel. In October 2024, when the portals first went live, total monthly collections through all three portals came to GHS 3,865. By July 2025, that figure had reached GHS 1.67 million in a single month. That is a growth of more than 430 times in nine months. 

Figure 2: Monthly collections through all portals, October 2024 to May 2026 (GHS) 

By 2026, the Agent Portal had become the dominant collection channel. Of the GHS 1.41 million collected across all portals in May 2026, the Agent Portal accounted for GHS 970,649, just under 69% of the total. The Customer Portal, which allows policyholders to transact directly without an agent, contributed GHS 114,765, its highest monthly figure to date and a sign that direct customer adoption is also building. 

Figure 3: Portal collections by channel, January to May 2026 (GHS Thousands) 

Collections grew from GHS 3.32 million in 2021 to GHS 19.74 million in 2025, an increase of 495% over four years. The 2025 total was the strongest year on record, supported by a 101.8% increase in transaction volume that year alone. 

Figure 4: Annual collections received via Hubtel, 2021 to 2026 YTD (GHS Millions) 

The year-by-year breakdown: 

The average transaction value grew from GHS 355.99 in 2021 to GHS 589.07 per customer by May 2026. This indicates that customers are not just paying more often. They are also paying for larger and more valuable policies each time. That is a sign of deeper engagement with the product, not just higher volumes going through the same channel. 

The Agent Portal has 50 active users who consistently outperform a group eight times larger that does not use it. The portals collectively processed GHS 1.41 million in May 2026, up from GHS 3,865 nineteen months earlier. And the average transaction value is rising every year. These numbers point in the same direction: the agents and customers who are using the platform are doing more business, at higher values, with more consistency than those who are not. 

Before Hubtel:

A betting company entering Ghana with no payment infrastructure 

A leading pan-African sports betting company entered the Ghanaian market with a strong product and a large customer base already built across other African markets. What they did not have was a way to collect money or pay money out to their customers. 

In the betting industry, a customer usually deposits money into their account, places a bet, and if they win, expects to receive their winnings quickly. Those two actions, depositing and withdrawing, are the core of the business. If either of them fails, even for a few minutes, the customer notices immediately and the business stands at risk of losing trust. The faster the event, the faster the expectation. A customer watching a live match and trying to place a bet has very little tolerance for payment glitches. 

Finding a payment processor that could handle that kind of volume in Ghana was paramount. The company needed a partner that could process deposits at very high speed, disburse winnings just as fast, and hold up reliably during the peak moments when thousands of customers are active at the same time.  

They also needed payment channels that reached all their customers, not just those with smartphones or bank accounts. Customers who did not have smartphones needed a USSD code to transact. Any payment solution that worked only for smartphone users would leave a fraction of the market unreachable. 

Hubtel was the first payment processor the company worked with in Ghana. There was no existing infrastructure to migrate from. The entire payment operation was built from a standing start. 

Bringing Clarity:

Building the payment infrastructure the business needed to operate 

Hubtel connected the two core payment flows the business runs on. The Receive Money API handles customer deposits: a customer adds funds to their betting account using mobile money or bank, and the transaction is confirmed instantly. The Send Money API handles disbursements: when a customer wins a bet, the winnings are sent directly to their mobile money. Both APIs were exactly what the business needed to handle the speed and volume that a live betting operation demands.  

We also provided a USSD payment channel to reach customers who did not use smartphones. A customer can deposit into their account by dialing a short code, without needing internet access. 

On top of the payment channels, we provided a set of supporting services. An SMS and Notification API to deliver one-time passwords, transaction confirmations, and campaign messages to customers. A Balance Query API lets the operator check account balances programmatically. A Transfer API moves funds between accounts. A Merchant Dashboard gives the operator’s team a view of transaction activity across all channels in one place. 

The demands placed on this infrastructure were significant from the start. Betting transactions usually arrive in bursts, concentrated around major fixtures and live events. During a Champions League evening or a major African competition, the volume of deposit and withdrawal requests rises sharply in a very short window. Building infrastructure that could absorb those spikes without slowing down or failing required Hubtel to invest deeply in the reliability and capacity of its payment platform. The infrastructure we provided to serve this business became the most capable version of its payment systems at that point in time. 

The solutions Hubtel provides to the operator: 

Putting Management in Control:

Reliability as the foundation of a high-volume operation 

For a business that processes transactions around major sporting events, the most important thing a payment platform can provide is not just speed. It is consistency. A system that works well most of the time but fails during the moments of highest demand is not a system a betting operator can build on. 

The Merchant Dashboard gives the operator’s team a real-time view of what is flowing in and out across all payment channels. Deposits, disbursements, transaction counts, and channel performance are visible in one place. When a live event is driving high volumes, the team can see what is happening on the dashboard as it happens, rather than finding out after the fact. 

Five years on, we have processed 2.98 billion successful transactions. The word successful in that figure carries operational weight. It means the vast majority of what customers have tried to do has worked. 

Pursuing Growth: 

Five years, GHS 162 billion, and a record set every year 

In 2021, Hubtel processed GHS 5.94 billion in combined transaction value for the operator across all payment channels. In 2025, that figure was GHS 52.53 billion. From one year to the next, across every year in the dataset, the total has grown. 

Figure 1: Combined transaction value processed by Hubtel, 2021 to 2026 YTD (GHS Billions) 

The growth was steepest in the early years. Combined transaction value grew 122% in 2022 and 96% in 2023. These were the years in which the operator established its full commercial scale in Ghana, building a customer base and a volume of activity that has continued to grow since. 

By 2025, we had processed GHS 28.88 billion in deposits alone across 625.1 million transactions. That is an average of more than 1.7 million deposit transactions every single day of the year. The Send Money API processed GHS 23.65 billion in the same year, distributing winnings to customers across 100 million individual disbursements. 

Figure 2: Receive Money and Send Money volumes by year, 2021 to 2026 YTD (GHS Billions) 

Transaction volumes tell the same story from a different angle. On the Receive Money API, the number of deposit transactions grew from 204.6 million in 2021 to 625.1 million in 2025. On the Send Money API, disbursement transactions grew from 28.1 million to 100 million over the same period. Together, both API processed 725 million transactions in 2025 alone. 

Figure 3: Transaction volume by channel, 2021 to 2026 YTD (Millions) 

In 2021, the average Receive Money transaction per customer was worth GHS 15.91. By the first five months of 2026, it had grown to GHS 53.22. On the Send Money API, the average disbursement grew from GHS 95.43 in 2021 to GHS 263.28 in 2026 YTD. This indicates that customers are not only transacting more often. They are transacting at meaningfully higher values each time. 

Figure 4: Average transaction value by channel, 2021 to 2026 YTD (GHS) 

The full year-by-year breakdown: 

 
By May 2026, Hubtel had already processed GHS 29.68 billion for the operator in the first five months of the year. That is more than the entire combined value for 2022 in less than half the time. If the pace holds, 2026 will set a new record. What started as a connection between a new market entrant and a local payment processor has, over five years, become one of the largest payment operations in Ghana, and by every available measure, it is still accelerating. 

For many laundry and home cleaning businesses, the hardest part is not doing the work. It is following up for payment afterwards. 

A customer picks up their clothes and says they will send the Mobile Money later that evening. A home cleaning client says they will pay after confirming with their spouse. Another customer sees your message, replies “sure boss,” and still forgets to send the payment. 

Now you have to follow up again. 

So, you type: 

“Please have you been able to send?” 

But that can feel uncomfortable sometimes. 

Not because customers do not want to pay. Most of the time, they simply forget. But the responsibility of remembering, and asking again, always falls on the business owner. 

After a while, the reminders become exhausting. 

You start mentally tracking: 

• Who has paid 

• Who promised to pay later 

• Which jobs are still unpaid 

• Who needs another follow-up message 

And when you are handling multiple pickups, deliveries, or cleaning appointments every week, keeping up with all of them becomes difficult. 

READ ALSO: Upcoming Changes: Do More in One Place 

That is why many laundry and home cleaning businesses are moving away from manual follow-ups to invoicing. 

With Hubtel BackOffice Invoicing, you can send an invoice the moment a job is completed, or clothes are collected. The invoice includes the amount, payment link, and due date, in one message. 

Then the system handles the reminder for you automatically. 

So instead of chasing customers on WhatsApp, they receive a payment reminder from the invoice itself. It feels more professional, less personal, and much easier for you and the customer. 

Your customers usually intend to pay, but sometimes they just need a nudge that does not have to come from you. 

Hubtel BackOffice Invoicing lets you send invoices and set automatic reminders, so you can focus on the work, not the follow-up. 

Send invoices with automatic reminders using Hubtel BackOffice

On Thursday, May 14, senior leadership from Dubai Chambers visited our head office in Kokomlemle for a strategic conversation about Ghana’s investment climate and what deeper collaboration between the two could look like. 

The delegation was led by Salem Al Sahmsi, Executive Vice President; Mohammed Al Attar, Director for Africa; and Cyril Darkwa, Chief Representative for Ghana and West Africa. 

The discussion covered Dubai Chambers‘ mandate in depth, including supporting businesses in expanding across borders, connecting them to the right partners and networks, and facilitating introductions between established and emerging players across the continent. It also opened a direct line into one of the world’s most influential business and trade ecosystems. 

The meeting also opened space for longer-horizon conversations, including the prospect of Hubtel establishing a presence in Dubai and what that market entry could mean for regional and global ambitions. Both sides also discussed possible pathways to channel strategic Gulf investment into Ghana’s priority sectors, a conversation that goes well beyond introductions. 

READ ALSO: Hubtel Hosts Leaders of the UK Department for Business and Trade 

Hubtel’s General Manager, Mr. Ernest Kwesi Apenteng described the discussions as grounded and forward-looking. 

“We explored several areas where collaboration could be genuinely beneficial, from market entry support to the networks Dubai Chambers brings to the table. The conversation was forward-looking, and there is clear appetite on both sides to take things further.” 

He added that “when the right opportunity presents itself, you want to already have your house in order. And these conversations are part of that process.” 

Mr. Mohammed Al Attar, Director for Africa at Dubai Chambers, was equally direct. 

“Our presence here ahead of New Horizon is deliberate. Ghana is increasingly on the radar of serious investors from the Gulf, and engagements like this one with Hubtel are exactly the kind of relationship-building that turns investor interest into real, on-the-ground action.” 

This visit is part of a series of consultations Dubai Chambers is holding with key stakeholders in the lead-up to the New Horizon investment forum, being organised in collaboration with the Ghana Investment Promotion Centre (GIPC), the Ministry of Trade, and the Ghana National Chamber of Commerce and Industry (GNCCI). 

About Hubtel 

Founded in Ghana in 2005, Hubtel has spent two decades redefining what’s possible in digital services with an amazing start-up journey. As a licensed Payment Service Provider (Enhanced) of the Bank of Ghana, Hubtel is today the largest and fastest-growing payment service provider in Ghana, and one of the most successful fintechs on the African continent, processing over 5.5 million transactions every single day. Hubtel currently operates 12 offices nationwide across 11 cities with over 600 employees.

Group CEO of Absa, Mr. Kenny Fihla met with General Manager, Ernest Apenteng along with the leadership teams of both companies over a lunch meeting as part of his official visit to Ghana. 

The meeting focused on shared opportunities and how both companies can strengthen the long-standing collaboration between Absa and Hubtel. 

Advancing the Credit Economy 

Discussions covered activity in the credit space, including digital credit and Buy Now, Pay Later services. Hubtel shared insights from a live pilot granting transactional loans to users on selected apps, which is seeing strong adoption and growth. Opportunities to deepen collaboration in the credit space were also explored, building on the work of an existing joint technical committee. 

Unlocking SME Financing Opportunities 

Both organisations acknowledge that access to credit for small and medium‑sized enterprises (SMEs) remains a largely untapped opportunity, and strong alignment on the need to develop innovative solutions to address this gap and support inclusive economic growth. 

Accelerating Partnerships and Strategic Alignment 

Mr. Kenny Fihla proposed expanding the joint technical engagement to enable faster execution and broader impact. There was also discussion on establishing a regular platform to review strategy, innovation, and partnership opportunities across payments, credit, and digital finance.  

Impact in Revenue Mobilisation 

Hubtel’s work with the Accra Metropolitan Assembly (AMA) was also cited in the context of public sector revenue collection. Since the initiative began in late 2024, collections have grown year-on-year setting new record revenue collections for the AMA each year. Revenue collection for AMA has grown by over 550% since the new system was deployed fully from January 2025 to December 2025.  
 
Absa offered support to collaborate with Hubtel to expand similar services to other assemblies and local authorities across the country. 

READ ALSO: Hubtel Hosts Leaders of the UK Department for Business and Trade 

Ghana’s fintech ecosystem continues to evolve across payments, credit, and digital finance as collaboration between bank, mobile money providers and payment service providers deepens. 

Both the leadership from Absa and Hubtel resolved to press forward with plans to work even more stronger together through technical collaborations to expand their payments infrastructure, support customers in accessing digital services and ultimately grow transaction volumes. 

Running a business is easier when you can tell exactly where your money is at a glance. We have updated the account names on your Money page to better reflect how you receive and send funds every day. 

New Names, Clearer Purpose 

The previous labels, POS Sales Account and Prepaid Account, no longer fully described how merchants use the platform. We have updated these names to align with the actual flow of your money: 

• Collections Account (formerly POS Sales Account): This is the dedicated account where you receive all payments from your customers. 

• Disbursement Account (formerly Prepaid Account): This is the account you fund when you need to send money out, such as funding SMS campaigns, API and commission services. 

Better Visibility for Paying to Many Accounts 

Alongside these clearer labels, we have improved how you handle outgoing transactions: 

• Pay Many Accounts: You can now make payments to multiple accounts at once using your Disbursement Account. 

• Transparent Fees: Every payment to many accounts now includes a clear breakdown of fees, giving you full visibility into your costs before you send money. 

What This Means for You 

This is a naming update designed to make your experience more intuitive. 

• No Action Required: Your account balances and transaction history remain exactly the same. 

• Unchanged Workflows: You can continue to use your accounts as you always have, just with labels that are easier to understand. 

For many businesses, managing money goes beyond receiving payments to include buying airtime, settling utility bills, and tracking constant fund movements. Often, this leads to a marathon of app-hopping.

One minute you are logged into a bank portal, the next you are switching to a mobile money app, and later you are using a separate website just to settle a bill. This jumping between tools wastes time and makes it difficult to see the full picture of your finances.

The Backoffice Portal is addressing this with new features designed to bring these everyday financial activities into a single, unified workspace. 

Never Miss a Sale: Start collecting payments right here. 

With the new Take Payments feature, the process of requesting payments is built into your BackOffice. You can initiate customer payments through mobile money, GhQR and other supported channels. This makes it easier to collect funds quickly while ensuring every incoming transaction is tracked in one system for simpler reconciliation. 
 

Pay Your Bills Directly from Your Back Office 

At the same time, managing business expenses is now just as convenient. You can pay for essential services like electricity (ECG), water, and TV subscriptions (DStv, GoTV) directly from your Backoffice. You can even handle airtime and data purchases for your team in the same place. Moving these tasks into your main workflow saves time and reduces the risk of missed payments. 

Better Visibility for Better Decisions 

These updates are built around how your business operates. Taking payments and paying bills are ongoing tasks and bringing them together means fewer interruptions and a more organized way to manage your cash flow. By keeping more transactions within the platform, you gain better visibility to track your balances, monitor activity, and make informed decisions. 

Get Ready to Explore the New Features 

The new take payment and billing services will soon be ready for you on Backoffice Portal. This update lets you collect customer payments and pay your bills directly from your Portal. Because everything is built into one hub, you can manage your money and run your business daily without having to jump between different apps or websites. 

When you’re ready to start your business day, the last thing you need is a login process that leaves you in the dark. You need to know if your payment channels are running smoothly before you even begin processing transactions. We’ve redesigned the Backoffice login page to give you a clear view of your business tools and system performance from the moment you arrive. 

A More Secure Way to Sign In 

Managing a business means protecting your financial data. We have refined the login process to add extra security without slowing you down. 

• Microsoft and Google Logins: You can still use your existing accounts, where you receive a One-Time Password (OTP), which is sent to your registered phone number for extra protection. 

• Registered Email Login: OTP codes are now sent to your email. This ensures you can access your account even if you are outside Ghana. 

Check Service Status at a Glance 

Now, you can see the real-time performance of all key services directly on the login page. 

With the Service Status dashboard, you can: 

• Confirm if payment and notification channels are “Running fine”. 

• Identify ongoing issues to avoid transaction delays. 

• Make informed decisions when handling customer transfers or payments. 

Stay informed on Backoffice changes 

You shouldn’t have to hunt for information about new features or system changes. The login page now includes a dedicated News section that brings important updates directly to you. 

Let’s be honest: creating and managing invoices shouldn’t feel like extra work. Whether you are billing a single customer, setting up recurring payments, or invoicing an entire group, you need the process to be quick and straightforward. We have upgraded the Invoices & Bills experience to do exactly that. 

A Better Way to Create Invoices 

The invoice creation process is now smoother from start to finish, with all necessary fields organized in one view. 

• Quickly add customer details under Bill To, enter invoice numbers, and set due dates. 

• Add items with quantities and prices, and watch your totals update instantly as you work. 

• Easily apply discounts, taxes, or additional fees without extra steps. 

The Right Invoice for Every Need 

One size no longer has to fit it all. You can now choose a specific invoice type based on how you bill your customers: 

• Simple Invoice: Best for one-time purchases or single services, like a quick repair or consultation. 

• Repeat Invoice: Ideal for recurring payments (daily, weekly, monthly, or yearly). This is perfect for high-value items, such as school fees or electronics, that customers pay for in instalments. 

• Many Invoices (Group Billing): Designed for bulk billing. You can send the same invoice to a group or upload a list with different amounts, useful for charging rent to tenants or fees to a group of students. 

Manage Everything in One Place 

Once an invoice is created, you no longer need to switch between screens to track its progress. 

From a single view, you can now: 

• Track Status: See instantly if an invoice is “Paid” or “Not Paid”. 

• Log Manual Payments: Record payments made via cash or check so your records stay accurate. 

• Monitor Activity: View a complete timeline of all activity related to that specific invoice. 

• Share and Edit: Download, share, or attach necessary documents directly to the invoice. 

Try it Out 

The new Invoices & Bills experience is live. Log in today to see how these updates help you reduce errors and manage your billing with less stress. 

Ghana has moved from the margins of the global digital economy conversation to the centre of it. And the world is starting to show up to prove it. 

The UK Department for Business and Trade visited Hubtel for a high-level strategic engagement. Leading the delegation were Mark Smithson, Regional Director for Anglophone West Africa, and Jo Ann Sackey, Country Director.

The conversation centred on Ghana’s digital economy, fintech innovation, and what deeper UK-Ghana collaboration could look like from here.

The discussion covered the Department for Business and Trade’s mandate in depth, from supporting businesses looking to grow across borders, to connecting companies with in-market partners and networks, to facilitating introductions between established players and emerging ones across the continent. 

The engagement also opened space for longer-horizon conversations, including Hubtel’s expansion strategy and what potential capital market opportunities could signal to global investors about the strength and maturity of African homegrown technology. 

Jonathan Ansah, Chief Financial Officer of Hubtel, who was present at the meeting, noted that the discussions were as practical as they were strategic. 

“We explored several areas where collaboration could be beneficial, from market entry support to the networks the Department for Business and Trade brings to the table. The conversation was forward-looking.”

He added that the visit reinforced something broader. “The way we see it, when the right opportunity presents itself, you want to already have your house in order. And these conversations are part of that process.”

Mr. Smithson, reflecting on Ghana’s position in the regional picture, said; 
“Our interest in Ghana’s digital economy reflects a strong belief that the country is emerging as one of Africa’s most dynamic hubs for fintech and digital trade.” 

He added that “The UK has become a natural springboard for African fintech founders, offering advanced financial systems, strong regulation, and deep capital markets.

We see real potential in partnerships that combine Ghana’s technological strength with the UK’s global reach, enabling companies to scale internationally and accelerate investment flows.” 

The question is no longer whether African fintech belongs in the global conversation. It is how quickly the right partnerships can turn that conversation into action. 

READ ALSO: Cornell University Visits Hubtel To Understand Ghana’s Digital Economy

This was not just a courtesy call, but also a signal that the conversations shaping the future of digital trade in West Africa are happening here, and Ghana-based companies are increasingly part of them. 

About Hubtel
Hubtel is a Ghanaian technology company licensed by the Bank of Ghana as an Enhanced Payment Service Provider. The company enables businesses of all sizes to accept payments (mobile money, cards, and QR), manage transactions, and connect with customers through messaging and commerce.  

Individuals can also use the Hubtel App to pay bills, order goods, send money, and more.  

Hubtel currently operates 12 offices nationwide and has over 600 employees across the country. Founded in 2005, its mission is to drive Africa forward by enabling everyone to find and pay for everyday essentials, building a platform that helps every person and business take part in the digital economy. 

Running a business means keeping a close eye on what’s coming in, what’s going out, and what’s available at any moment. When your finances are scattered across different menus, it slows you down and creates unnecessary stress.

We have redesigned the Money page on your Backoffice to give you better visibility and faster access to your funds. 

See Your Money in One Place 

No more switching between screens to track different accounts. The new layout provides a complete overview of your finances at a glance: 

• Total Balance: Instantly view the combined total of all your accounts. 

• Individual Accounts: See clear, separate cards for each account to identify where your funds are held. 

• Detailed Statements: Access a clear breakdown of every deposit and withdrawal, which you can download for your records at any time. 

Simplified Navigation 

We have reorganized the side navigation menu so all “money” functions are in one place. Everything you need is now just a click away, making your workflow smoother and more professional. 

• Approvals and Pending Payments: You can now manage requests directly from the dropdown menu in the top-right corner. 

• Owners with approval rights can view and manage pending requests. 

• Finance Managers can easily track and manage pending payment requests. 

• Cancel Transfer Request: If an employee makes a mistake, they can now cancel an approval request before it is processed to ensure incorrect payments aren’t accidentally approved. 

Try it Out 

The new Money page and dashboard updates are live today. Log in to your Backoffice to explore these features and see how they transform your daily management.

For many Ghanaians, mobile money has quietly replaced the traditional bank. Sending money across regions, paying for services, and running daily transactions now happens in seconds, without stepping into a banking hall. 

That convenience has reshaped how people live and work. At the same time, it has introduced a reality that the ecosystem can no longer treat in isolation: fraud in digital payments. 

Operating within Ghana’s fast-evolving payments landscape means engaging with fraud not as a distant risk, but as a live, cross-system challenge that follows the flow of transactions rather than staying within the boundaries of any single platform. 

Fraud is no longer contained within individual systems. As interoperability deepens across platforms, fraudulent activity increasingly moves along the same pathways as legitimate transactions, exploiting gaps between institutions rather than weaknesses within one. 

In such an environment, visibility becomes fragmented. No single institution has full end-to-end oversight across the entire transaction chain, yet each remains responsible for ensuring secure and reliable processing within its own domain. This creates a structural challenge that cannot be solved in isolation. 

A significant portion of fraud does not originate within payment platforms themselves. In many cases, it begins outside the system through social engineering, user manipulation, or compromised credentials.

By the time a transaction is initiated, the system is often processing inputs that appear valid, even though the user behind them has already been influenced. 

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This distinction is critical. Fraud detection is not only about identifying technical anomalies within a platform, but also about recognizing behavioral signals that suggest compromised intent.

Without coordinated intelligence across institutions, identifying these patterns early enough becomes significantly more difficult. 

These perspectives were reinforced during the Fintech Partner Exchange on Fraud and Collective Action hosted by MobileMoney Limited on April 2, 2026. The dialogue brought together stakeholders across the payments ecosystem to examine how collaboration can strengthen collective defenses against fraud. 

Representing Hubtel, leaders including Mr Ernest Apenteng (General Manager), Godsway Akakpo (Revenue Assurance Manager), Francis Wilson (Head, Infrastructure and Payment), and Ebenezer Boffour (Head of Internal Affairs) were present at the engagement. 

Speaking during the panel session, Mr Boffour highlighted a core reality: many fraudulent transactions enter the system after users have already been compromised externally. 

“Once a user has been compromised, the transaction often proceeds as instructed. The real challenge is identifying such situations early enough to intervene,” he noted. 

This underscores a limitation that platforms face individually. While internal monitoring systems can detect anomalies within their own environments, intervention is often most effective before a transaction is executed, when signs of compromise can still be intercepted. 

This view aligns with broader industry insights shared during the dialogue. Clara Bawah Arthur, CEO of Ghana Interbank Payment and Settlement Systems (GHIPSS), emphasized that interoperability in payments inherently extends to interoperability in fraud.

As systems become more connected, fraudulent activity can traverse platforms just as easily as legitimate transactions, making isolated defences insufficient. 

Similarly, Joshua Edmondson, Board Chair of the Mobile Money Agents Association of Ghana, pointed to the role of user behaviour in fraud prevention, noting that many cases stem from users unknowingly disclosing sensitive information under pressure or deception. 

From our standpoint, these insights reinforce a central principle, that fraud in a connected payments ecosystem is both a behavioural and systemic issue. Addressing it effectively requires coordinated visibility, shared intelligence, and aligned responses across institutions. 

While platforms continue to strengthen internal controls, those measures alone are not sufficient in an environment where fraud can originate externally and move across multiple systems.

The ability to detect, share, and act on signals collectively is becoming just as important as the ability to process transactions securely at the platform level. 

As Ghana’s digital payments ecosystem continues to expand, the pace and volume of transactions will only increase. With that growth comes both opportunity and risk.

Interoperability has made payments more accessible and efficient, but it has also created pathways that require stronger collective safeguards. 

Sustaining trust in digital payments will depend not just on the strength of individual platforms, but on how effectively the ecosystem works together to protect it.

Fraud prevention in this context is not a standalone function. It is a shared responsibility that requires continuous collaboration, real-time intelligence, and coordinated action across all participants in the payments value chain. 

Trust remains the foundation of digital financial systems. Protecting it will require more than isolated efforts. It will require a connected response to match a connected ecosystem.