The Electricity Company of Ghana (ECG) launched its new franchise network on 29 October 2026 at ECG’s Eastern Regional Office, Koforidua, bringing community-based customer support together with the ECG PowerApp and other approved payment channels to strengthen revenue collection. 

Led by ECG’s Managing Director, Ing. Kwame Kpekpena and the management team, the initiative brings ECG’s commercial services to customers’ doorsteps through approved partner companies and individuals. Franchise officers help customers pay bills, read meters and resolve billing questions in their own communities. Several teams within ECG worked with Hubtel and Polymorph Labs to make the initiative possible.  

Speaking on behalf of Hubtel CEO Alex Bram, Patrick Asare-Frimpong, Head of Products at Hubtel, said the launch was about giving every customer three things: “to pay easily, to be served with respect, and to understand what they are paying for.” 

Strengthening revenue collection through the ECG PowerApp 

The ECG PowerApp gives customers a way to buy prepaid electricity credit and pay postpaid bills from their phones. The franchise network extends support for these services into communities, helping customers use ECG’s digital channels and understand their bills. 

For ECG, the aim is to make payment easier while ensuring that collections reach the utility through approved channels. The network connects face-to-face assistance with digital payment services, so customers who need help can receive it closer to home. 

Speaking about Hubtel’s supporting role, Asare-Frimpong described the work behind the payment services. “We have built payment channels, worked through reconciliations around the clock, and improved the experience ECG customers have every time they buy power,” he said. “Through every challenge, we have remained proud of our work and grateful for the opportunity given to local tech companies to showcase what we can do.” 

Asare-Frimpong linked Hubtel’s commitment to ECG’s revenue collection and customer service goals. “Your commercial goals are our collective goals,” Asare-Frimpong said. “When ECG collects more, serves better, and earns more trust from Ghanaians, the entire economy (both digital and analogue) succeeds.” 

READ ALSO: How Hubtel Is Rethinking AI in Ghana: Own Your Data, Rent the Intelligence

Verify any franchise officer on the spot 

Customer trust is central to ECG’s franchise network. Customers can check whether an officer genuinely represents ECG before making a payment or sharing details. ECG teams worked Hubtel and Polymorph Labs, which built the core Franchise Officer platform, to support officer verification under ECG management’s direction. 

Customers can verify an officer in two ways: 

• USSD: dial *226# and enter the officer’s staff ID. 

• ECG PowerApp: go to Get Help > Verify Franchise Office to enter the staff ID or scan the QR code on the officer’s identification. 

The check confirms at once whether the person truly represents ECG. “No more fear of fraudsters. No more doubt,” Asare-Frimpong said. “Just confidence that the person helping you truly represents ECG.” 

Verification supports ECG’s revenue protection efforts by helping customers distinguish authorised officers from impostors. ECG has said franchise officers will help customers pay through the ECG PowerApp and *226#, and that cash payments to officers are not allowed. Officers provide assistance; payments must go through ECG’s approved digital channels. 

Supporting ECG’s service in communities 

Franchise partners will represent ECG in their communities, explaining bills, helping traders buy power before closing time and guiding customers who need assistance with the ECG PowerApp. 

“When a grandmother cannot navigate an app, you will patiently help her,” Asare-Frimpong said. “That is not a small job. That is service.” 

Hubtel promised the partners the tools, training and support they need to serve customers well. “Your staff ID and QR code are more than identification – they are your badge of trust, and every customer can see it,” he said.  

For customers, the network is intended to make electricity payments easier, with local support for using the ECG PowerApp and clearer answers about their bills. 

An ECG-led effort to bring service closer 

The franchise launch is an ECG-led initiative to bring commercial services closer to customers and strengthen revenue collection. Its delivery reflects collaboration across ECG’s teams, with support from Hubtel and Polymorph Labs. The ECG PowerApp and approved digital payment channels connect that community service to the utility’s collection efforts. 

“When the history of how Ghana powered its homes and businesses is written, I hope it will say that this was the day the electricity service moved closer to the people in-person through the Franchise Officers,” Asare-Frimpong said. 

“Thank you to ECG for your trust, and thank you to our franchise partners for your courage. We know that working together we can make ECG the most successful SOE and Ghana’s energy sector much stronger.” 

From the trader at Makola checking prices on her phone to the graduate in Kumasi searching for work, one question is getting louder across Ghana. Will artificial intelligence make life better, or will it take away what people already have? 

Ghana has placed its bet. In 2025 it launched a ten-year national AI strategy, and government has committed $270 million to get the country ready. But for ordinary Ghanaians, the most useful answers may come from a local company that has already tried, stumbled and found a smarter way forward. 

That company is Hubtel. Head of Engineering, Augustine Adjei, told the national audience during the premiere of the AI & Ghana’s documentary on Joy News, exactly what Ghana’s AI journey looks like from the inside, and why the country does not need to start big to win. 

About the Digital Economy Forum 

The Digital Economy Forum is a national thought-leadership platform conceived by Hubtel to create evidence-based conversations about the technologies, policies and ideas shaping Ghana’s economic future. It combines original documentary storytelling with a televised debate on JoyNews and Joy FM, bringing together government, regulators, businesses, academics and everyday Ghanaians. 

The maiden edition tackled digital fraud and why trust matters in Ghana’s growing digital economy. The latest edition asked a bigger question: AI and the Ghana economy, opportunity or disruption? 

For Hubtel, which helps Ghanaians pay bills, send money and order goods, the stakes are personal. A digital economy only grows when people trust it, understand it and can benefit from it. The forum is Hubtel’s way of making sure that conversation happens in public, with the facts on the table and ordinary people in the room. 

READ ALSO: Relax. AI is Not Taking Your Job

Opportunity or disruption? Both, says Hubtel 

Asked whether AI is good or bad news for Ghana, Augustine Adjei refused to pick one side. “It is both,” he said. “Growth is hard and painful, but the disruption is a setback while the opportunity is exponential.” 

He compared it to a catapult. You get pulled back first, and that painful pull is what launches you forward. Change will hurt in places, but those who prepare will move faster than ever. 

When Hubtel tried to build its own AI 

Hubtel opened an AI lab in 2023, before chat apps like ChatGPT became part of everyday life. It hired skilled Ghanaian engineers to build AI from scratch. 

The lab’s biggest project helped the Electricity Company of Ghana (ECG) catch power theft. The system flagged meters that seemed not to be paying, traced back through the records and connected the dots. Hubtel also built its own fraud detection and call-centre tools. 

Then the world moved faster and cheaper. By 2025, global AI companies were selling far more powerful tools for about $20 to $25 a month. Hubtel did what any smart trader does when a better product appears at a lower price. It stopped trying to outbuild the giants and started buying access. 

Talent Isn’t the Problem 

Augustine Adjei explained the decision with a picture every Ghanaian understands. “Would you want an Italian chef to cook your fufu and light soup, or an equally competent Ghanaian chef who has lived here all their life?” he asked. 

The answer is obvious: the Ghanaian chef. But training that chef takes time and money. Until then, you hire the chef who can feed you today while you plan for tomorrow. 

He was clear that Ghana’s problem has never been brains. “Talent is equally distributed; resources are not,” he said. Hubtel had the people. What it did not have was the hundreds of millions of dollars global firms spend on AI. 

Own your data, rent the engine 

Hubtel did not just sign up for a free chatbot. It negotiated directly with leading global AI companies, which were surprised a Ghanaian firm could pay at that level. 

Under the deal, Hubtel runs the AI inside its own systems, keeps full ownership of its data, and the providers have promised not to use Hubtel’s information to train their models. Augustine Adjei summed up the rule simply: “Own what you can before you scale.” 

He also shared a funny but serious warning. When Hubtel tested a free AI model and asked it about the company, the model said Hubtel was headquartered in Kigali. AI only knows what you teach it, so Ghanaians must feed it Ghanaian facts. 

The best example of this thinking is Hubtel’s virtual call centre. Because so many Ghanaians transact on Hubtel every day, the phones ring constantly. An AI agent now answers first and can check a customer’s order status on the spot. 

It works because all the information it needs already belongs to Hubtel. It is built in Ghana, trained on Ghanaian data and speaks to customers in a Ghanaian accent. 

For Augustine Adjei, that is the point. “AI is not a thing, it is us. There is no AI without humans,” he said. “If we are biased, AI will be biased.” 

Honorable Sam George backs the Hubtel approach 

Communications Minister of Ghana, Honorable Sam George said Hubtel’s story shows why Ghana must fix its data first. “AI models are only as good as their data sets,” he said. 

Hubtel had found no simple way for companies in Ghana to share data. The Minister said government is building a national data exchange hub to connect about 48 public registries, from the Ghana Health Service to the National Identification Authority, so developers make one request instead of 48. Companies are welcome to join, as long as they contribute data too. 

On jobs, he echoed Hubtel’s message that people must grow with the technology. “Those who evolve and adapt will survive,” he said. “Those who fail to evolve and adapt will fall off.” 

Bright Simmons of Imani Africa, the night’s toughest critic of government spending, held up Hubtel as an example of doing AI in the right order: use a proven global tool first, then build local. “If you don’t define your problem extremely well, AI can’t give you answers,” he warned, adding: “We should not stay on the surface.” 

Five lessons for every Ghanaian 

You do not need to be a tech company to learn from Hubtel. Whether you run a chop bar, a boutique or a small office, the same rules apply: 

• Start with what you already have. Your customer list, your records and the way you work are your biggest AI asset. 

• Use what works today. Global AI tools are cheap and powerful, so use them while local options grow. 

• Guard your information. Keep control of your data and know where it goes. 

• Teach the AI about Ghana. If a tool thinks Hubtel is in Kigali, it can get your business wrong too. 

• Think before you upload. Augustine Adjei said his phone holds his 74-year-old mother’s medical record, and he would not run it through a public chatbot without protection. 

Ghana’s AI future will not be decided by one big announcement. It will be shaped by businesses and individuals who test, learn, adjust and keep going. 

Hubtel has shown a practical path for the whole country: own your data, rent the engine, solve real problems for real customers and keep your people learning. Through the Digital Economy Forum, it is making sure every Ghanaian gets to hear that conversation. 

Payday has an interesting way of becoming more complicated than it needs to be when you’re the one managing payroll. 

You’re most likely to face one or two of these: account numbers to collect, details to confirm, new employees to add, and changes to keep track of. And before every payment goes out, everything must be checked again. 

Not because payroll itself is complicated, but because there are too many little things to keep track of. 

Payroll on Hubtel BackOffice takes care of that. You set up your payroll, your staff join themselves and verify their identity, and they choose where their pay goes. Everyone gets a professional payslip, without all the back and forth. 

What you get with Payroll 

Payroll saves you a lot of work 

Start by setting up your payroll with a name, a pay day and the deductions to be made. Once it is set up, Payroll gives you a code that you can share with your team. 

Your staff use the code to join themselves and confirm their own details, including their name, phone number and Ghana Card number, so you do not have to collect and enter this information for everyone. You can also choose to keep “Auto-approve join requests” turned off, so every request comes to you for review, and nobody is added until you confirm them. 

Once your team is set up, you can add each person’s salary by uploading one Excel file for the whole team or entering the amounts directly into the table. The salary amounts remain saved, so you do not have to enter them again for the next pay day. 

On pay day, send the pay run for approval. Nothing is paid until you, or someone you have given approval rights, approves it. Once approved, the whole team is paid in one run. 

 
No more wrong-account issues 

Each staff member proves who they are before they join by providing their Ghana Card number, completing a live face check, and confirming a one-time code sent to their phone. 

Their pay then goes into their own wallet. When they are ready to move it, they add their own Mobile Money or bank account, which must be in their own name. 

This means you do not have to collect anyone’s account details or chase someone for an updated account number. The person receiving the money is the same person verifying the account the money goes to.  

Your staff choose where their pay goes 

On pay day, the money arrives in the staff member’s own wallet, where they can see their balance. From there, they can choose whether to move it to a Mobile Money or bank account and decide when to make the transfer. 

The transfer happens from their own wallet, so you do not need to collect, enter or update their bank or Mobile Money details. 

Your staff get professional payslips 

Every staff member gets a payslip for each pay month showing what they earned, what was deducted for PAYE and SSNIT, and what they received. Each deduction comes with a short, plain explanation, so nobody has to ask what was taken off or why. 

While the month is still open, the payslip is marked provisional because more payments can still come in. On the first day of the next month, the final payslip is ready for staff to download and share. 

More to come on Payroll 

Payroll is starting with features that make paying your team simpler, and there’s more being added to make the process even easier. Soon, you will be able to lock a staff member’s pay to a specific bank account, which can be useful when a staff member has a loan tied to that account. You will also be able to make your SSNIT and PAYE statutory payments directly from BackOffice. 

Ready to run your first payroll? 

Getting your first payroll running takes four steps. 

1. Create a payroll. Log in at bo.hubtel.com and open Money. Click New Payroll. Give it a name, a pay day and the deductions you want. 

2. Share the code. Copy the code and send it to your staff by SMS, WhatsApp or email. 

3. Staff join themselves. Your staff open the link, verify who they are with their Ghana Card and a face check, enter the code, and send a request. 

4. Set salaries and pay. Add the salaries, send the pay run for approval. Your team is paid in one run, and each person gets a payslip. 

Set up Payroll today on and make payday one less thing to worry about.  

Already paying your employees directly to their accounts yourself? You can still do that. The option is now under Pay an Account. 

Accra, Ghana – September 24, 2026 – It is with deep sadness that we share the news of the passing of Mrs. Patience Enyonam Akyianu, Chair of Hubtel’s Board. 

Mrs. Patience Akyianu joined our Board in 2021 and became Chair last November. Ten months as Chair was far too short a time with such a phenomenal leader. 

As Board Chair, the three things she was keen on were clear. Maintain trust. Make everyday payments simpler for customers and merchants. Raise the bar on governance as Hubtel becomes more important for Ghana’s digital economy. And in fact, she never wandered from it. In the months that followed, those three priorities framed how our Board understood its work, and they remain the standard she leaves us with. 

She had spent a career earning the right to set that standard. Before Hubtel there was Standard Chartered, where she was Chief Financial Officer for the Africa regional operations in Johannesburg. There was Barclays Bank Ghana, now Absa, where she was Managing Director. There was Ecobank Ghana, where she sat as an Independent Non-Executive Director. And there was Hollard Ghana, where she was Group Chief Executive Officer, and where she is being mourned this week by a company that knew her as well as we did. 

Hers was a life spent in rooms where money and trust go hand in hand, and she carried that understanding into ours. 

Mrs. Akyianu served on this Board for four years before assuming the Chair. She joined in 2021 during a period of significant structural work and contributed directly to the realignment of the company’s governance architecture. That work included the formalisation of our committee systems, the strengthening of our internal control protocols, the sharpening of our audit and oversight cadence, and the alignment of our governance framework with Bank of Ghana guidelines. She brought to it the discipline of a career carried in finance, risk and regulation, and the improvements made during those years remain embedded in how this company operates today. By the time she was appointed Chair, she knew the business from the inside, and the Board’s decision reflected that. 

She treated payment reliability as an obligation to real people rather than a number on a page. For her, the people we serve were as important as the solutions we give. 

That was the experience of nearly everyone who worked alongside her, and it is the part of her leadership that no governance framework can record. 

Hubtel benefits from leaders who build both systems and people. That was said of Mrs. Akyianu at her appointment last November, and she proved it in every sense. She strengthened how this company governs itself, and she did it in a way that left the people around her better prepared. 

The Board has lost its Chair. Hubtel has lost a great leader. Many of us have lost a cherished colleague and friend. 

The entire leadership of Hubtel extends our deepest condolences to her husband, Mr. Kwame Akyianu Esquire, to her children, family, and to everyone who was in one way or another connected to Mrs. Akyianu. We are truly grateful for the time she gave us and will uphold the legacy she set at Hubtel. 

Rest in perfect peace, Madam Chair. 

Hubtel welcomed representatives from Business & Financial Times (B&FT) on Thursday, 17 September 2026, for discussions on how both organisations can work together to support business growth, strengthen digital adoption, and create new opportunities for businesses and consumers. 

The B&FT delegation was led by its Chief Executive Officer, Dr Godwin Acquaye, and included Stephen Dotse, Business Development Manager, Charles Ekow Atkings, Event Manager, and Meimuna Diakite, Human Resources Manager. Hubtel was represented by Jonathan Ansah, Chief Finance Officer, Ernest Apenteng, General Manager, and Nana Owusu-Marfo, Head of Brand and User Experience. 

The meeting focused on opportunities for collaboration across media, business engagement, thought leadership, digital innovation, and other areas of mutual interest. 

Moving beyond visibility 

The conversation also focused on how a potential partnership could support Hubtel’s broader business objectives, particularly in reaching the right audiences, creating opportunities for engagement, and driving greater awareness and adoption of digital solutions. 

We shared that any potential collaboration should have clear objectives and measurable results. This could include reaching specific business audiences, supporting customer acquisition, encouraging digital adoption, or improving awareness of solutions that can help businesses operate more efficiently. 

READ ALSO: https://news.hubtel.com/hubtel-pk-amoabeng-foundation-youth-leadership-partnership/

The discussion also highlighted the importance of choosing platforms and opportunities based on the audiences they reach and the outcomes they can deliver. 

Connecting with the business community 

B&FT shared perspectives on its work across media, business events, industry engagement, and platforms that bring together business leaders, professionals, entrepreneurs, and other stakeholders. 

The teams explored how these audiences could create opportunities for Hubtel to engage with businesses and professionals, particularly around technology, digital payments, and solutions that support business growth. 

There was also interest in creating more direct ways for businesses and customers to engage with digital solutions, while keeping the focus on practical value and meaningful business outcomes. 

READ ALSO: https://news.hubtel.com/hubtel-official-technology-partner-momo-fintech-lab/

Creating opportunities for digital adoption 

The conversation also touched on how technology can help businesses operate more easily and serve their customers better. 

We shared how our work has expanded from SMS and content services into digital payments and technology solutions that support businesses across different sectors. 

Both teams discussed opportunities to encourage greater adoption of digital solutions among businesses and to create more awareness around the tools available to help them grow and serve their customers. 

The discussions also considered how business-focused platforms and engagements could help introduce entrepreneurs and SMEs to relevant technology and payment solutions. 

Exploring opportunities for collaboration 

The meeting also covered opportunities for Hubtel to engage with B&FT’s wider media and business ecosystem, including its various platforms and industry-focused initiatives. 

Rather than focusing on a single channel or activity, the conversation looked at how both organisations could bring their respective strengths together to create useful opportunities for businesses, share practical insights, and contribute to conversations around technology and business growth. 

Potential areas of collaboration included business and industry conversations, thought leadership, digital innovation, entrepreneurship, and financial inclusion. 

The teams also discussed opportunities across B&FT’s media and digital platforms that could support these conversations and provide space for Hubtel’s leadership and teams to share practical perspectives. 

The engagement forms part of ongoing discussions between Hubtel and B&FT, with both organisations exploring areas where their respective platforms, expertise, and audiences can create value for the wider business community. 

Hubtel settlement times are straightforward once you know what’s happening behind the scenes. Settlement is what happens the moment a customer pays a Hubtel merchant: the money moves into that merchant’s own Hubtel account.  

The customer is debited instantly, and you see that reflected on your dashboard right away. However, the movement of that payment to your Hubtel merchant account happens within the hour. Not a day or two, your money is made available to you every hour after taking payments.  

Once the money has settled into your Hubtel account, you have full control of it. Whether it’s moving it to your own bank account or Mobile Money wallet, paying suppliers or employees, or simply leaving it there until you need it.  

What Settlement Actually Means 

Settlement is simply the step where a customer’s payment becomes yours. That means the money received from your customers, credited to your Hubtel account. In the process of settlement, two different things happen at two different speeds: 

• The debit is instant: The moment a customer pays, whether by Mobile Money, card, or bank transfer, their payment is confirmed and you’ll see it reflected on your dashboard right away. 

• The settlement is hourly: Your Hubtel account balance is credited on an hourly basis. So even though the debit shows up straight away, the money isn’t actually in your balance yet, until that hourly settlement runs. 

To cite an instance, a customer buys GHS 200 of goods from your shop and pays you by Mobile Money. The moment they pay, a confirmation shows on your dashboard, that’s the debit, telling you the payment went through. By the next hour, that GHS 200 is credited to your Hubtel account balance, readily accessible to you. 

Hence, a debit notification is not the same as a balance credit. These two are easy to confuse, since they can look identical from the merchant’s side, but they’re different moments. Debit notification is instant while Settlement is hourly. 

Why Settling Fast Actually Matters 

Many payment platforms only give merchants one moment of “getting paid”: the batch settlement, usually done days after the sale. With Hubtel’s hourly settlement;  

• You know a sale went through the moment it happens, not days later. 

• Your money is usable almost immediately, rather than tied up until a distant batch date. 

• Reconciliation is simpler, because payments land in your account continuously rather than arriving in one delayed batch you have to match up later. 

• Settlement doesn’t stop for weekends or public holidays. It runs every hour, every day, so a sale on a Saturday or a public holiday settle the same way a weekday sale does. 

Ready to put this to work? Sign up as a Hubtel merchant at business.hubtel.com. It takes a few minutes and you’ll be set up to collect Mobile Money, card, bank payments and GHQR.   

A Quick Note on Two Other Terms You’ll See 

Your Hubtel account distinguishes different types of money movement, and it’s worth knowing them so nothing on your dashboard is confusing. 

• Payout is when you pay money out of your Hubtel account to someone else, a supplier or an employee, into their Mobile Money number or bank account. 

• Sweep is when you move money from your Hubtel account into your own bank account or Mobile Money wallet. 

Both are things you choose to do, on your own schedule, once settlement has already put the money in your Hubtel account. Neither holds up settlement, and they both move quickly. Recent data across 124,163 sweeps over a 46-day period showed money reaching the destination account in about 33 seconds on average, with 94% settling in under a minute. 

How Hubtel Settlement Times Compare to Other Ghana Payment Gateways 

It helps to see this next to what other payment gateways in Ghana do, specifically, how long it takes before your money is genuinely available to you. 

Major payment platforms push merchant funds to your bank account on a fixed next-business-day (T+1) basis, so your money isn’t fully available to you until that automatic transfer lands, up to a full business day after the sale. Hubtel settles into your account within an hour. This means your money is made available to you about 96% faster than a full 24-hour wait most payment gateways do.  

Start Getting Paid This Way 

Settlement doesn’t have to be a long wait, and on Hubtel it isn’t one. The moment a customer pays you, that money is already yours, sitting in your Hubtel account within the hour at the latest. 

That clarity is the point. You always know exactly where your money is and what stage it’s at, instead of guessing whether a payment has “gone through” somewhere out of sight.  

Because settlement puts the money in your hands fast, you’re in control of what happens next, whether that’s a payout, a sweep, or just letting it sit, rather than working around someone else’s schedule. 

That kind of control adds up to something bigger than convenience. It is room to grow. Money that’s usable within the hour is money you can put straight back into your business, restocking, paying staff, settling a supplier, on the same day it comes in, rather than a day or more later.  

If cash flow is something you think about daily rather than monthly, that’s the practical benefit worth remembering. You’re never waiting a full business day to find out if you got paid. 

If you run a business in Ghana and want your money working for you the moment a customer pays, sign up as a Hubtel merchant at business.hubtel.com. It takes a few minutes to get started, and you’ll be set up to collect Mobile Money, card, bank payments and GHQR. 

Frequently Asked Questions 

How long does it take for a payment to settle on Hubtel? Settlement happens within the hour. The moment a customer pays, the debit is confirmed instantly and shows on your dashboard right away, but your Hubtel account balance itself is credited on the hour, every hour, so the money is fully settled and ready to use within an hour of the sale at most. 

Why does the payment show on my dashboard before my balance updates? What you’re seeing instantly is the debit, confirmation that the customer’s payment went through. That’s not the same moment as settlement. Your Hubtel account balance is credited separately, on the hour, every hour, so there can be up to an hour between seeing the payment notification and the money actually being in your usable balance. 

What’s the difference between settlement, payout, and sweep? Settlement is when a customer’s payment lands in your Hubtel account. Payout is when you send money from your Hubtel account to someone else, like a supplier or employee. Sweep is when you move money from your Hubtel account into your own bank account or Mobile Money wallet. Settlement happens first and fast; payout and sweep are things you choose to do afterwards, on your own schedule. 

Can I pay suppliers or staff directly from my Hubtel account? Yes, that’s called a payout. Once a payment has settled into your Hubtel account, you can pay it out directly to a supplier’s or employee’s Mobile Money number or bank account, without first sweeping it to your own account. 

Why does my money show as “settled” in Hubtel before it’s in my bank account? Because settlement and a sweep to your own bank are two different steps. Settlement, money landing in your Hubtel account, happens fast, by design. Sweeping that money on to your own bank account is a separate step you trigger afterwards. 

Does Hubtel settle payments on weekends or public holidays? Yes. Settlement happens on weekends and public holidays too, not just business days — this applies across all regions of Ghana, including times when banks are closed. A sale made over the weekend still settles into your Hubtel account within the hour, rather than waiting until Monday. 

Can I choose when my money moves to my bank or Mobile Money wallet? Yes. Once your money has settled, you can sweep it to your own bank account or Mobile Money wallet whenever you like using the Transfer Money button on your dashboard, or automate transfers on a schedule you set in the Money section of your Hubtel BackOffice. Bank transfers have a minimum of GHS 500, while Mobile Money transfers can be any amount.

On Thursday, 10 September 2026, Hubtel welcomed representatives from Nova Business School Africa (NBSA) for a conversation about digital entrepreneurship, business growth, and the opportunities technology can create for African businesses. 

The courtesy visit gave both teams a chance to learn about each other’s work, share experiences, and explore possible areas of collaboration. 

Leading the NBSA delegation was Prof. Mathew Tsamenyi, President and CEO, who was accompanied by Georgia Ansah, Programmes Manager, Mary Brown, Marketing Consultant, and Israel Agbeti, Head of Sales & Business Development.

The conversation was hosted by Hubtel’s General Manager, Ernest Apenteng, alongside Jonathan Ansah, Chief Finance Officer, Augustine Adjei, Head of Engineering and Bill Inkoom, Head of Mobile App Engineering.

At the centre of the engagement was The Africa Digital Entrepreneurship Programme (TADEP), delivered in partnership with the Alibaba Global Initiative (AGI) in China. 

Connecting education with real business experience 

The NBSA team shared its vision of building a business school for Africa, from Ghana, focused on developing leaders, supporting business growth, and creating impact through education, research, and advisory services. Digital transformation and innovation sit at the core of that work. 

The conversation also turned to the value of grounding teaching in real business experience. Rather than relying only on theories and examples that feel far removed from everyday business, the participants discussed the importance of practical, relatable case studies that show how businesses solve problems and grow. 

That drew the discussion to our own experience building digital payment solutions and services for businesses and customers. 

READ ALSO: Hubtel Leadership Visit Amazon’s Global HQ to Deepen Data, AI Collaboration

Making digital solutions work for businesses 

We shared our experience building payment solutions for businesses, banks, and retailers, and how those tools make everyday transactions easier and more accessible. 

The discussion also touched on the role of technology in helping businesses run with greater transparency and in widening access to services. 

For smaller businesses in particular, digital tools can create opportunities to reach more customers, manage transactions, and take part in the wider digital economy. 

Beyond payments, we discussed our work across other sectors, including transport and logistics. 

Inside the Africa Digital Entrepreneurship Programme 

A major part of the visit was NBSA’s presentation on TADEP. 

The programme is designed to help entrepreneurs and businesses learn how to use technology to grow. 

The NBSA team shared details of its work with Alibaba and how participants gain exposure to that wider business ecosystem. 

This includes learning about areas such as e-commerce, payments, logistics, and other digital services that support business growth. 

The programme also creates opportunities for participants to connect with entrepreneurs from other African countries, building relationships and learning from markets beyond their own. 

Businesses looking to expand can also request customised programmes built around their own needs and areas of interest. 

The presentation highlighted the value of connecting African businesses to knowledge, technology, and networks that can help them compete and grow in a changing digital economy. 

Learning from each other 

The NBSA team spoke about its entrepreneurship programmes in Ghana, including one run with MTN to support SME customers. 

The 13-week programme takes a practical, activity-based approach, with participants working on projects that show how they can apply technology and business knowledge to real situations. 

Participants include women, young people, and established business leaders. 

The discussion also explored the importance of helping businesses think beyond their immediate markets and consider opportunities across Africa. 

For us, these conversations were a chance to share lessons from building solutions for businesses and customers, while learning more about how entrepreneurship education can support business growth. 

Possible areas of collaboration 

As the visit progressed, the conversation moved to areas where the two organisations could work together. 

The teams discussed opportunities around staff capability, executive development, and access to relevant learning programmes. 

Both sides were also interested in how their networks and expertise could create more opportunities for businesses and professionals. 

NBSA agreed to send further information on its programmes and possible areas of collaboration. 

The teams also discussed an upcoming webinar on digital assets and artificial intelligence, to which our managers and staff were invited. 

A conversation with room to grow 

The courtesy visit was a reminder of the value of bringing together organisations with different experiences but shared interests. 

For us, it was an opportunity to engage with an institution focused on leadership and entrepreneurship development, while sharing some of the lessons from our work in digital services. 

For Nova Business School Africa, it was a chance to learn more about our work and explore how its programmes could connect with the needs of businesses and professionals. 

As both teams continue to explore areas of collaboration, the visit marked a useful starting point for conversations around learning, innovation, and the growth of African businesses. 

CEO of Hubtel, Alex Bram has donated a new police station to Dokrochiwa, the Eastern Region village where he grew up, built on the same land where his grandfather sold cocoa beans to help pay for his education.

The station, in the Ayensuano District, was commissioned on Thursday, September 3, at a ceremony attended by traditional leaders, senior police officers, local government officials and residents.

Despite the joy of the people of Dokrochiwa at the gesture, Alex Bram will not call it a donation.

“This police station is not a donation. It is a dividend,” he told the gathering.

The distinction rests on the ground under the building.

“Today is a huge day for all of us. It’s as big as when this village got it’s first school, first electricity connection, or first tarred road.” he said. “Where this police station is built today is also a special place because it was where many farmers gathered to sell their cocoa beans to make a living some decades ago.”

That farm is where his own story starts. His grandfather, Daniel Kwaku Bram, was among the cocoa farmers who worked the lands around Dokrochiwa, and the family’s registration with the Ghana Cocoa Board through the farm later opened the way for a cocoa scholarship. It carried Alex Bram through St. Augustine’s College, then to the Kwame Nkrumah University of Science and Technology, and eventually into technology and entrepreneurship. The community, in his telling, invested first. The station is what it has earned.

READ ALSO: Hubtel Pledge Supports St. Augustine’s College, in APSU ‘99 Legacy Project 

He recalled a Dokrochiwa of limited infrastructure, where a school and a few churches were the notable landmarks. Electricity, a market, water and roads followed over the years, changing how residents lived and worked.

“And so, today is a great day,” he said. “It brings back that joy of having each of these critical infrastructures. It is also a befitting reminder of the hard work and sacrifices that our grandparents put in to get us here. We must let that same spirit guide us to strive to do more for our communities.”

“An investment in peace” 

Local leaders welcomed the facility. Josephine Awuley Ansaa Inkoom, former District Chief Executive for Ayensuano, called it a significant contribution to the town, pointing to the role security plays in protecting residents, maintaining order and supporting growth.

The current District Chief Executive, Joshua Yaw Frederick Lartey, said he had supported the accompanying police bungalow with 50 bags of cement, along with sand for the barracks. He described the project as “an investment in peace”, saying it represented hope, security and continued development for Dokrochiwa.

DCOP Charles Kofi Adu, the Regional Police Commander, commended the initiative and urged residents to work with the Ghana Police Service rather than take the law into their own hands. He also asked young people to take their education and personal development seriously, noting that the choices they make now shape what they are able to give back later. 

Ogyeahoho Barima Anom I, chief of Dokrochiwa and Benkumhene of Kyebi Apapam, thanked the family of D.K Bram, Mr. Moses Bram Adjei and his son Alex Bram for the project and said he hoped residents would live in harmony with the officers posted to the town.

“This is our own” 

Alex Bram asked residents to protect the facility and to support the officers who will work there.

“This is our own,” he said. 

For a town whose history is bound up with the cocoa farms that once shaped the area, the station is another marker in a long process of development. For Alex Bram, it is a return to the ground where his story began, and a chance to add something to the one Dokrochiwa is still writing.

“I want to build young people who are better than me.” It is not a statement you expect from someone who built one of Ghana’s most successful financial institutions from the ground up. But for Capt. Prince Kofi Amoabeng (Rtd.), founder of UT Bank, author, and now the driving force behind the PK Amoabeng Leadership Foundation, it is the clearest expression of where his ambitions now lie not in rebuilding what he lost, but in multiplying what he learned. 

On Thursday, August 27, Capt. Amoabeng brought that conviction to Hubtel’s offices in Accra for a leadership engagement that ended with Hubtel committing GH₵200,000 to the Foundation and both organisations exploring a deeper partnership in entrepreneurship, innovation and youth leadership development in Ghana. 

The visit brought Capt. Amoabeng together with Hubtel’s leadership, including CEO Alex Bram, General Manager Ernest Appenteng, Head of Brand and User Experience Nana Owusu-Marfo, and members of the Hubtel team. 

From the Collapse of UT Bank to a New Purpose: The PK Amoabeng Leadership Foundation 

What do you do when the thing you spent years building comes to an end? 

For Capt. Amoabeng, the answer was not to simply rebuild what was lost. It was to use what he had learned to build something new. 

Reflecting on the collapse of UT Bank during Ghana’s banking sector cleanup in 2017, Capt. Amoabeng shared how the experience led him to writing and eventually to establishing the PK Amoabeng Leadership Foundation. His philosophy is captured in his own words: “I want to bounce forward, not bounce back.” 

The Foundation’s vision is to revolutionise the mindset of the African leader, with a mission to deliver strategic and transformational leadership programmes that develop ethical, innovative and patriotic leaders for Ghana and Africa. 

Through its flagship PK Amoabeng Scholars Programme, the Foundation provides young people with mentorship, leadership workshops, military-style training, job shadowing, entrepreneurship development and access to experienced leaders. 

Its impact is already significant. Forty scholars have graduated from its first two cohorts; a third cohort is currently in progress, and a fourth is being recruited. More than 5,000 students across five schools have also been reached through the Foundation’s wider engagements across Ghana. 

For Capt. Amoabeng, the ambition is to multiply that impact far beyond what he has done alone. “I want to build young people who are better than me,” he said. “If I can create 10, 50, 100 more of myself, we can have 10, 50, 100 UT stories.” 

How Capt. Amoabeng’s Leadership Lessons Helped Shape Hubtel CEO Alex Bram 

The visit also brought to the surface a connection that predates the formal engagement. 

Capt. Amoabeng and Hubtel CEO Alex Bram first interacted in 2017, when Capt. Amoabeng shared some of his experience and leadership lessons with Alex. That conversation, Alex shared, became useful in his own approach to managing and growing Hubtel, creating a direct link between Capt. Amoabeng’s experience and part of Hubtel’s own growth story in Ghana’s fintech sector. 

It was a fitting reflection of the very principle behind the Foundation: that knowledge gained through experience becomes more valuable when it is passed on. 

Hubtel Commits GH₵200,000 to the PK Amoabeng Leadership Foundation 

As a tangible expression of its commitment to youth and leadership development in Ghana, Hubtel supported the PK Amoabeng Leadership Foundation with GH₵200,000 towards its ongoing programmes. 

The contribution aligns with Hubtel’s broader responsibility as a Ghanaian technology company, one that serves millions of businesses and individuals, to invest in the people and institutions that will shape the country’s future. 

Capt. Amoabeng also shared a principle that has guided his thinking about service: when helping people, think about how to save them time and make them feel good. It is a simple idea, but one that connected naturally with Hubtel’s own focus on using technology to make every day experiences simpler for people and businesses across Ghana. 

Technology, AI and What a Hubtel–Foundation Partnership Could Look Like 

The discussion also touched on the role of technology in creating opportunities for Ghana’s next generation of leaders. 

Hubtel shared its work through the Hubtel AI Lab, which explores practical applications of artificial intelligence and machine learning. This opened conversations around how emerging technology could intersect with leadership development, equipping young Ghanaians not just with business and leadership skills but with the digital literacy to operate in an AI-driven economy. 

The two organisations also explored the possibility of Hubtel contributing employee time to the Foundation through its 1% employee-time commitment, potentially bringing professional skills, mentorship and hands-on experience directly into the Foundation’s scholar programmes. 

The visit ended with a shared interest in exploring what can happen when experience, technology and people come together in service of Ghana’s development. 

For Capt. Amoabeng, the journey has moved from building a financial institution, through experiencing its collapse, to investing what he learned in the people who will build what comes next. And perhaps that is the real meaning behind his ambition: not to build another version of himself, but to build people who can become better than him. 

About Hubtel 

Hubtel is a Ghanaian technology company founded in 2005 and headquartered in Accra, Ghana. The company provides payment processing solutions for merchants, including in-store and online payments, transaction tracking, and revenue growth tools. Hubtel serves businesses and institutions across sectors including retail, education, healthcare, and the public sector. Its consumer services span payments, bills, and food delivery. Hubtel also operates an AI Lab focused on exploring and developing practical applications of artificial intelligence and machine learning in Ghana. 

Ghana’s leading fintech and digital payments company, Hubtel, is lending its support to Mobile Money Fintech Limited (MMFL) to discover, develop and accelerate the growth of the next generation of fintech innovators in Ghana.  

Hubtel will be the Official Technology Partner of the 2026 MoMo Fintech Lab, a national initiative designed to give fintech innovators a major boost. 

The programme was officially launched on 12 August 2026 at the Accra Marriott Hotel with four senior executives of Hubtel; Nana Owusu-Marfo, Head of Brand and User Experience; Francis Wilson, Head of Infrastructure and Payments; Patrick Asare-Frimpong, Head of Product Management; and Augustine Gyawu Adjei, Head of Engineering, in attendance along with other industry leaders, innovators, technology companies and other stakeholders. 

The three-month MoMo Fintech Lab will provide emerging fintech talent with opportunities to develop their ideas through hackathons, mentorship and incubation support, culminating in a national Demo Day.

The programme will run across three zones, Accra, Kumasi and Tamale, with a focus on creating opportunities for innovators both within and beyond the capital. 

As Official Technology Partner, Hubtel will bring its experience in payments, technology and product development to a programme focused on turning promising ideas into practical solutions for Ghana’s digital economy.  a

“Ghana has never been short of good fintech ideas. What has been missing is the route from an idea to something that works at scale, and that route is easier to walk when someone who has already walked it is standing beside you. That is what we are offering the innovators in this programme,” said Nana Owusu-Marfo, Head of Brand and User Experience at Hubtel. 

The launch was attended by the Minister for Communication, Digital Technology and Innovation, Samuel Nartey George, who highlighted the importance of developing homegrown financial technology solutions and called on investors and industry stakeholders to remain engaged with emerging ventures beyond the programme’s final Demo Day. 

“You can’t be treating tech startups the way you treat an industrial business,” he said, arguing that technology businesses need patient capital. 

Speaking at the launch, MMFL Chief Executive Officer Shaibu Haruna described the MoMo Fintech Lab as a long-term commitment to developing Ghana’s fintech ecosystem an ambition Hubtel shares. 

“For us to build an inclusive digital economy, we need everybody and every talent to come on board,” he said.  

READ ALSO: Hubtel Empowers Next Generation Through AI Education Partnership with Brainwave AfricaTech 

Building Ghana’s fintech future together 

Hubtel’s support of the MoMo Fintech Lab is in furtherance of its commitment to the Ghana fintech and technology space and its belief that the country’s digital economy will be shaped as much by collaboration between established digital companies as it will be by innovators. 

By sharing its experience and expertise with emerging innovators, Hubtel hopes to help create an environment where promising fintech ideas can move beyond concepts and develop into solutions that address real challenges and create meaningful value for businesses and consumers. 

About Hubtel 

Hubtel is a Ghanaian technology company founded in 2005 and headquartered in Accra. The company provides payment processing solutions for merchants, including in-store and online payments, transaction tracking, and revenue growth. 

Hubtel serves businesses and institutions across sectors including retail, education, healthcare, and the public sector. Its consumer services also span payments, bills, and food delivery. 

Seattle, USA – July 2026 

Hubtel’s full Board of Directors and executive leadership spent two days at the Amazon Web Services (AWS) Executive Briefing Center in Seattle on 9 and 10 July, in a series of specialist sessions on data strategy, artificial intelligence, resilience, and security for financial services. 

The delegation was led by the Chairperson of the Board, Patience Akyianu, and included Chief Executive Officer Alex Bram, General Manager Ernest Apenteng, all members of the Board of Directors, and every Head of Department in the company. It is rare for an organisation to bring its complete governance and executive leadership to a technology partner’s headquarters, a signal of how central data and AI have become to Hubtel’s next chapter. 

The aim of the sessions was to move Hubtel’s relationship with AWS beyond hosting infrastructure toward close, ongoing collaboration on the data and AI capabilities the company plans to build next, capabilities that will directly shape how fast, secure, and reliable digital payments and commerce are for millions of people and businesses in Ghana. 

Inside the sessions 

The programme ran for two days. The first day was about innovation culture, AI strategy, and the practical application of AI in financial services. Amanda Leigh Henke opened the first day with a session on Amazon’s culture of innovation, how one of the world’s largest technology companies sustains invention and experimentation at scale. Peter Whitney, Business Innovation Advisor, then led two sessions for the leadership team: the first on AI strategy and execution for business leaders, and the second on machine learning, generative AI, and agentic AI in financial services, connecting the technology directly to the work of running a payments business. Willie Lee, Senior Worldwide Specialist for GenAI, closed the first day with a session on agentic AI and how it is unlocking the next era of AI-powered automation. 

The second day focused on data foundations, resilience, and security. François Chevallier, Principal Worldwide Data and GenAI Strategist, opened the day with a session on how the world’s leading digital platforms turn data into measurable value rather than simply storing it, a theme that ran through the rest of the programme. Paul Meighan, Director for S3 and Analytics Product Management, and Alex Wurm, Senior Product Manager, led the executive data-leadership sessions that followed, examining how modern data foundations are designed, governed, and scaled. 

The programme then turned to the discipline of running a payments business safely at national scale. John Formento, Principal for Partner Management and External Services, covered resilience for enterprise operations, the engineering practices that keep critical services available at all times, for all services, to all customers. Geoff Sweet, Senior Security Strategy Solutions Architect, walked the team through protecting financial workloads on AWS, the track with the most direct bearing on Hubtel’s day-to-day responsibilities as an operator of payment infrastructure relied upon across Ghana. 

Leo Ohannesian, Principal Product Manager-Tech, closed the programme with a live demonstration of the AI-powered productivity tools AWS is building for large digital finance platforms, a preview of how agentic AI is reshaping knowledge work inside one of the world’s most sophisticated technology companies. 

A session with the former NASA JPL CTO 

A highlight of the visit was a session with Tom Soderstrom, AWS Executive in Residence and a former Chief Technology and Innovation Officer at NASA, where he spent 14 years leading the technology behind some of humanity’s most ambitious missions of exploration. 

Drawing on decades at the frontier of both space exploration and enterprise technology, Soderstrom challenged the Hubtel leadership team on innovation culture: how organisations build a genuine culture of experimentation, how leaders make bold technology bets while managing risk, and how speed and adaptability, not size, determine which companies define the next decade. His session left a deep impression on the leadership team, and its themes echoed through the rest of the visit: if a culture of disciplined experimentation can land a rover on Mars, it can certainly transform how commerce works in Ghana. 

AWS and Hubtel 

Amazon Web Services is the world’s most comprehensive and broadly adopted cloud platform, powering millions of customers from the fastest-growing startups to the largest enterprises and leading government agencies from data centres across the globe. It is also the infrastructure behind many modern financial services, trusted by banks, payment networks, and fintech platforms worldwide for security, resilience, and scale. 

Hubtel, founded in Accra in 2005, has grown from a messaging company into the platform at the centre of everyday commerce in Ghana — one app for consumers to pay, shop, and borrow, and one platform through which businesses, banks, and government institutions collect payments, sell, and deliver. Its services span consumer payments, business and merchant services, quick commerce delivery, transactional credit, and government revenue collection, supported by a national operating footprint and a team of roughly 660 people. 

Hubtel has built on AWS infrastructure for years. What the Executive Briefing Center engagement in Seattle marks is the evolution of that relationship: from customer and cloud provider to strategic collaborators working together on data, AI, resilience, and security, with AWS’s specialist teams now directly engaged with Hubtel’s leadership beyond the standard vendor relationship. For AWS, Hubtel represents the kind of ambitious, engineering-led African platform shaping the continent’s digital economy. For Hubtel, AWS offers a direct line to the practices and tools that define the global standard. 

READ ALSO: Hubtel’s Success Story Becomes the First from Ghana to Be Highlighted by Amazon Web Services

Where Hubtel is headed 

Speaking about the trip, Alex Bram tied it to the company’s direction: 

“This visit to AWS’s global headquarters reflects where Hubtel is headed. We’re not just running payments infrastructure; we’re building the data and AI capability that will let Ghanaian businesses compete on the best available standards. Sitting down with AWS’s data, security, and modernisation teams gives us a direct line to the tools shaping the next decade of tech and fintech and could bring that advantage home to Ghana.” 

The remark underlines a deliberate shift in how Hubtel positions itself: not simply as a payments processor, but as a technology company building underlying capability aligned with global fintech standards, and translating that capability into direct benefit for the businesses and consumers it serves in Ghana. It also reflects the ambition the company has set for itself: to become Africa’s most useful company, measured in the daily, practical value it creates for the people and businesses that rely on it. 

Board Chairperson Patience Akyianu, who led the delegation, repeatedly returned to one theme over the two days , the scale of what now lies within Hubtel’s reach: 

“I left these sessions genuinely excited about the prospects for Hubtel’s future. What we saw at AWS in Seattle confirmed that the capabilities shaping the world’s leading technology companies are within this company’s reach. The Board came away energised, and we look forward to the management team executing on the innovations we have been exposed to and turning them into real value for the businesses and consumers Hubtel serves.” 

Her remarks capture the governance dimension of the visit: a Board that has seen the frontier at first hand and now expects the company to build toward it. 

Why it matters 

Mobile money and digital payments now sit behind much of everyday commerce in Ghana. The data and AI systems underneath those payments increasingly determine how fast, secure, and reliable they are and, by extension, how easily a market trader receives payment, how quickly a family’s remittance arrives, and how confidently a business can sell online. 

Engagements of this kind give Hubtel’s leadership direct access to the specialist teams inside one of the world’s leading technology companies, the people who design the systems on which global finance runs. That access shortens the distance between global best practice and its application in Ghana. 

The Executive Briefing Center engagement is the start of closer, ongoing work between Hubtel and AWS on data, AI, resilience, and security, with specific initiatives to follow as the collaboration develops. Hubtel will work through this collaboration to bring global data and AI best practices home to the merchants, developers, and businesses that build on its platform, and to the millions of consumers they serve. 

The Hubtel delegation also visited the famous Amazon Spheres in the heart of Seattle, a fitting backdrop for a visit about what it takes to build for the long term. 

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.