Across Africa, the story of digital transformation is being rewritten by our very own people. The MOBEX Africa Tech Conference 2025 brought together industry leaders, regulators, and entrepreneurs shaping the continent’s next chapter of growth through technology. 

On Day 2 of the conference, Hubtel’s Head of Merchant Growth & Partnerships, Daniel Frimpong, joined a panel discussion on “Unlocking Africa’s Economic Potential Through Financial Innovation and Integration.” The session explored how digital payments and financial systems can power inclusive growth, strengthen trade, and connect economies across borders.

Unlocking Africa’s Economic Potential Through Collaboration 

Moderated by Ato Ulzen-Appiah, the panel featured key figures from across the financial and technology ecosystem, including Clarence Blay (Director, Bank of Ghana), Dr. Nathan Annobi (CEO, PaySwitch), and Kayode Akomolafe (Digital Transformation Director, AWS). 

They discussed the need for deeper collaboration among fintechs, regulators, and policymakers to build systems that make digital trade seamless and inclusive. Topics ranged from cross-border interoperability and regulatory alignment to simplified KYC processes that can expand financial access under the African Continental Free Trade Area (AfCFTA) framework. 

READ ALSO: Hubtel Sweeps Four Awards at 2025 Digital Innovation Awards 

Building Trust as the Foundation of Africa’s Digital Growth 

Representing Hubtel, Daniel Frimpong highlighted that Africa’s digital transformation depends not only on innovation, but on the reliability and trust that sustain it. Reflecting on Hubtel’s 20-year journey in Ghana’s fintech landscape, he shared how the company’s model has always centered on creating long-term value for both businesses and consumers. 

“Our model has always been B2B2C; helping businesses serve their customers better through dependable digital payment systems,” Daniel said. “What keeps users engaged isn’t just innovation, but reliability. When people know they can trust your system to work every time, you earn the right to scale.” 

He added that as Africa moves toward greater financial integration, building and maintaining user confidence will be essential to increasing digital adoption across borders. 

Confronting the Regulatory Hurdles 

The discussion also touched on one of Africa’s biggest challenges, fragmented financial regulations across countries. Speakers emphasized the need for harmonized policies that would allow fintechs licensed in one jurisdiction to operate across multiple African markets. 

Daniel echoed this, noting the importance of systems that work for Africans wherever they trade or transact. This reflects Hubtel’s mission to build simple and secure digital solutions that help people find and pay for everyday essentials. 

The Next Leap for Africa’s Fintech Ecosystem 

Earlier sessions at the conference set a reflective tone on Africa’s digital sovereignty and innovation capacity. Prof. Nii Narku Quaynor emphasized investing in local infrastructure and education to reduce dependency on foreign systems. Hon. Sam Nartey George, Ghana’s Minister for Communication, Digital Technology and Innovation, also called for stronger policies and homegrown innovation to secure Africa’s digital future. 

Across all sessions, one message that stood out was the shared believe that Africa’s economic rise can and will be powered by African systems, African leadership, and African collaboration. 

Hubtel’s Commitment to Digital Innovation 

As Ghana’s leading fintech platform, Hubtel’s participation in MOBEX Africa 2025 reaffirms its commitment to driving inclusive growth through simple, reliable, and user-centered digital solutions. 

Daniel Frimpong’s insights echoed how the success of Africa’s fintech revolution depends not only on the speed of innovation, but on the depth of trust it earns.  

“Africa’s digital future will thrive on systems people can depend on; solutions that work every time, for everyone.” 

On Monday, 15th September 2025, the Hubtel team received news that would change the tone of the week completely — the sudden passing of Kojo Akyer, a valued member of the Quality Assurance (QA) team.  

Kojo joined Hubtel on 1st August 2024 as a Quality Assurance Test Automation Engineer, a role that placed him at the heart of ensuring the reliability of Hubtel’s systems and applications. In a short time, he became an integral part of the QA team, working on the Merchants Portal and collaborating with other testers to strengthen system performance and deliver smooth customer experiences. 

Though relatively new to the company, Kojo quickly distinguished himself through his work ethic, focus, and humility. He approached every project with quiet determination and professionalism that earned the respect of both his peers and leaders. 

“Kojo brought both skill and dedication to his work,” shared Michael Adom, Head of the QA Department. “He approached every task with focus, diligence, and humility. His technical expertise, willingness to learn, and teamwork stood out in every project he touched. Above all, Kojo was dependable — someone who could always be counted on to get the job done right.” 

His calm personality and disciplined approach to testing and automation made him a steady influence on his team. Those who worked closest with him often describe him as a kind, reliable, and quietly confident professional who made everyone feel at ease. 

“His unwavering dedication and quiet humility left a lasting impression on both our immediate team and the entire QA department,” said Jewel Appiah, one of his managers. “Kojo made significant contributions that not only advanced our work but also strengthened the bonds among team members. He will be remembered not just for what he did, but for who he was dependable, kind, and deeply respected.” 

Kojo’s time at Hubtel may have been brief, but his impact was profound. Beyond his technical contributions, he embodied qualities that resonate deeply within Hubtel’s culture, teamwork, respect, and a commitment to excellence done with humility. He represented the quiet strength that keeps teams moving forward, often without seeking recognition or applause. 

For many of his colleagues, his passing is a poignant reminder of the value of every shared moment and every small act of kindness that shapes a workplace. The QA department and the wider Hubtel family continue to honour his memory, remembering him not only as a colleague but as a friend. 

Kojo Akyer will be missed for his craft, his composure, and his humanity. And though his journey with us was short, the mark he left behind will remain for years to come. 

May his soul rest in peace. 

Kokomlemle, Accra – September 30, 2025 – Hubtel, Ghana’s leading Payment Services Provider, recently took the global stage with a feature on CNN’s Marketplace Africa.  

The segment, anchored by Zain Asher, showcased the company’s journey from an emerging tech venture to a Fintech powerhouse, providing valuable insights into the ever-growing digital economy in Ghana and across the continent. 

The feature included an exclusive interview with Alex Bram, CEO and Co-founder of Hubtel, who articulated the strategic pivots and core philosophies that have driven the company’s success since its founding two decades ago. 

The CNN segment highlighted Hubtel as a clear example of homegrown African innovation at work. The narrative focused on the crucial role Hubtel plays in digitizing commerce and facilitating seamless financial transactions, a critical function in a rapidly digitizing market. 

The interview was structured around key strategic themes, labelled as “Points,” that defined Hubtel’s journey and future vision: 

The Profit Point (Enabling Digital Commerce):

This focused on Hubtel’s core business of helping businesses collect payments from diverse sources—cash, mobile money, cards, and other digital wallets. Bram highlighted that Hubtel digitizes storefronts for a wide range of customers, from “the very small micro-enterprises” (such as a woman selling corn or plantain) to large corporations providing utility and entertainment services. 

The Homegrown Point (The Ghanaian Advantage):

Bram stressed that Hubtel’s development is inextricably linked to the story of Ghana. Ghana’s early opening up of the mobile telephony market in the 1990s created a fertile ground for companies to build digital systems, providing the market momentum to succeed. He also noted that Ghana “got it right with mobile money and interbank interoperability” early on, which has been key to the financial ecosystem’s growth. 

The Pivot Point (Strategic Evolution): The segment detailed Hubtel’s critical transition. 

The company was founded on the idea of making SMS useful for businesses, a path they followed for quite some time. The major shift, or “pivot,” occurred around 2015 when mobile money began to truly take off. Hubtel strategically moved its business away from micro-billing (like airtime billing) into becoming a leading platform for mobile money and payments. 

The Communication Point (Working with Government):

Alex addressed the complexities of working with the public sector, noting that when serving government and public service providers, Hubtel brings the same level of innovation and quality used for private businesses. He underscored the need for engagement and communication with the government, acknowledging that a “private sector lens” cannot always be applied without modification. 

The Future Point (Uncapped Growth):

Looking ahead, Alex highlighted the massive untapped potential. Despite being Ghana’s leading Fintech, Hubtel still has significant room to grow, currently only processing a fraction of the total volume of digital transactions in the economy. With a merchant base poised for expansion, the company’s focus remains on scaling its platform to drive deeper penetration of digital finance. 

Building Homegrown Solutions for a Digital Africa 

Hubtel’s ability to evolve from a messaging company (formerly SMSGH) to a comprehensive payment and commerce platform is a prime example of African businesses building world-class solutions for African challenges. Hubtel brings many payment methods into one system. Businesses accept and track payments in one place. This helps both small businesses and large businesses join the digital economy.

As Bram stated, the long-term vision is clear: “We want to be able to step it up. We think that Ghana still gives us a lot of room to grow. Even as the number one Fintech here, we still process just about 12% of the volume of transactions… This economy has over 800,000 such businesses. There is still a lot of room to grow.” 

Why This Feature Matters 

Marketplace Africa is CNN’s flagship business program dedicated to highlighting companies, leaders, and innovations that are shaping Africa’s economic future. By showcasing homegrown success stories, the program provides global audiences with a deeper understanding of the continent’s entrepreneurial energy and technological advancement. 

Being profiled on Marketplace Africa affirms Hubtel’s strategy, resilience, and impact. The feature presents Hubtel not only as a leader in Ghana’s fintech space but also as a company setting the pace for digital innovation across Africa. 

The coverage underscores the growing international recognition of Ghana’s technology ecosystem, with Hubtel at its core. By bridging informal and formal commerce, enabling everyday transactions, and driving financial inclusion, Hubtel continues to shape the future of Africa’s digital economy. 

Watch Video here:

Running a school has never been just about teaching. Administrators juggle student records, ensure student safety, and keep operations running smoothly, all while collecting fees that keep the lights on. For years, fee collection has been one of the biggest pain points for Ghanaian schools: high transfer charges, misplaced cash, and endless hours spent on reconciliation. 

That’s where Aura-Rich Consult and Technologies stepped in. For almost a decade, the IT and educational solutions provider has been helping schools digitize operations through its flagship SchoolRobot platform. But as adoption grew, one stubborn problem kept slowing everything down — payments. 

“We knew from the beginning that fees collection was where most schools struggled,” recalls Richard Torsu, Founder and CEO of Aura-Rich Consult and Technologies. “Cash handling, high charges, and reconciliation issues made it difficult for schools to run smoothly.” 

READ ALSO: Akwantuo Express Simplifies Student Travel Experience with Hubtel’s Direct Debit API  

When Payments Slow Down Innovation

As more schools adopted Aura-Rich’s solutions, the challenges with payments became clearer. High charges on transfers were eating into revenue. Reconciliation required manual effort, sometimes stretching for hours. And parents paying fees in cash risked errors, misplaced funds, or delays in confirmation. 

“Time we could have spent innovating was being used to reconciling transactions,” Richard explains. “And when parents lose confidence in how their money is handled, schools lose trust too.” 

For Aura-Rich Consult and Technologies, payments weren’t just a background process. They were central to the reputation of its schools and, by extension, its own credibility. Something had to change. 

The Transformation: Hubtel’s API as the Missing Link 

That better way came with Hubtel’s Receive & Send Money API. The team was already familiar with Hubtel as a trusted name in Ghana’s digital ecosystem, so the decision was easy. 

“When we came across the Receive & Send Money API, it felt like the right fit,” Richard says. “Integration was smooth, and instantly we could see payments more clearly. Everything was visible and automated.” 

With Hubtel, Aura-Rich Consult and Technologies could: 

• Collect school fees securely into a Hubtel merchant account, linked directly to each school. 

• Automate reconciliation, cutting manual checks by about 80%. 

• Lower costs significantly — parents now save an estimated 20–30% on transfer charges compared to their previous systems. 

The Results: Growth and More Control 

Since integrating Hubtel’s Receive & Send Money API, the difference has been visible and measurable. Today, more than 70% of all school fees on Aura-Rich’s platform flow securely through Hubtel, giving both parents and schools confidence that payments will go through without a hitch. 

Monthly revenues have grown steadily, no longer held back by leakages or long delays. Transfer costs have dropped by nearly a third, putting money back into the hands of schools that would have otherwise gone into charges. And reconciliation — once a headache that stretched for hours is now automated, cutting the workload by over 80% and freeing up the finance team to focus on more strategic work. 

“It’s not just about saving money,” Richard emphasises. “It’s about saving time, building trust, and giving schools confidence that every cedi is accounted for.” 

Scaling Trust Across Education

With payments simplified, Aura-Rich is doubling down on growth. The company plans to expand SchoolRobot and its ERP solutions to more schools across Ghana and beyond, with Hubtel as its payment’s backbone. 

“Hubtel has taken the headache out of payments,” Richard concludes. “That gives us room to keep innovating for the future of education.” 

READ ALSO: Simon Poole & Marjorie Saint-Lot Join Hubtel’s Management Advisory Council  

About Aura-Rich Consult and Technologies  

Founded in 2016, Aura-Rich Consult has become one of Ghana’s leading IT and educational solutions providers. Beyond building ERP platforms, mobile apps, and ICT infrastructure, its SchoolRobot solution is redefining how schools operate, from attendance management to payments. 

The mission has always been simple: make technology work seamlessly in education. But for that vision to hold, the payment layer had to be just as efficient as the software behind it.  

For years, Akwantuo Express has been the go-to transport service for students moving between campuses in Ghana. Known for affordable fares and reliable service, the company has built a loyal following. But as bookings grew, payments became harder to manage.

Cash handling, third-party glitches, and reconciliation delays were putting pressure on both the team and their customers. To keep its promise of convenience, Akwantuo needed a new way forward. 

READ ALSO: How Azar Transformed 100 Years of Service with Hubtel USSD 

That’s when the company turned to Hubtel’s Direct Debit API — and the impact has been transformative. 

Key Outcomes at a Glance 

• Significant revenue growth since adoption with steady monthly increases 

• 80% of transactions now processed through Hubtel’s API 

• 100% decreases in revenue leakages. 

• Instant payment confirmations build student trust 

• Simplified reconciliation saves time and reduces errors 

About Akwantuo Express 

Founded in 2016, Akwantuo Express started with a simple mission: to make student travel affordable, safe, and stress-free. What began as a campus-based service has grown into a trusted travel partner for thousands of students and travellers across Ghana. Today, Akwantuo is known not only for its reliable buses but also for its commitment to making every part of the journey enjoyable. 

Staying Ahead Meant Rethinking Payments 

As demand grew, Akwantuo realised that their biggest challenge wasn’t just collecting money, it was keeping track of it. With agents handling cash, money sometimes went missing. Add in the mix of different third-party providers, and reconciliation became a nightmare. 

“Sometimes the money collected didn’t add up to the tickets issued,” recalls Derrick Smith, Team Lead at Akwantuo Express. “Other times, it would take forever to match transactions across different systems. It slowed us down and made it hard to trust the numbers we were seeing.” 

The pressure was even worse during peak travel seasons when students rushed to campuses. Payments got messy, and the team spent more time chasing after transactions than focusing on their customers. 

It became clear that if Akwantuo wanted to stay on top, it needed a simpler, more reliable system — one that could secure every cedi and make reconciliation effortless. 

A Better Way with Hubtel 

In its search for a better system, Akwantuo discovered the Hubtel Direct Debit API. Already familiar with Hubtel’s reputation in Ghana’s e-commerce space, the team trusted it could deliver. 

The integration was straightforward, and the benefits were visible. 

“Now, when a student books, the payment reflects instantly,” Derrick shared. “The Hubtel merchant dashboard tracks everything automatically. There is no stress and no chasing reports.” 

The Impact 

Since adopting Hubtel’s Direct Debit API, Akwantuo has seen a major shift in how payments flow through the business. 

• Faster settlements: Payments reach the business quickly, giving better control over cash flow. 

• Reduced revenue leakages: Missed or delayed payments are minimised, ensuring every transaction is captured. 

• High transaction adoption: Over 80% of bookings are now paid through Hubtel. 

• Simplified reconciliation: The finance team no longer spends hours tracking mismatches. 

• Improved customer experience: Students receive instant confirmation, boosting trust and confidence in the brand. 

• Revenue growth: Consistent collections and fewer payment drop-offs support steady month-on-month business growth. 

“It’s changed the way we run our operations,” Derrick adds. “Cash flow is steadier, our team spends less time fixing issues, and students trust the process more. That trust is what keeps them coming back.” 

READ ALSO: Now, Pay Small Small for the Things You Love 

Growing With Hubtel 

With payments under control, Akwantuo is setting its sights on expansion. The company plans to extend its services to more campuses and regions, knowing Hubtel will scale with them. 

“Hubtel has given us control over our payments,” Derrick concludes. “It’s reliable, simple, and it allows us to focus on what really matters — making student travel stress-free.”

Kokomlemle, Accra – September 11, 2025 – Hubtel, Ghana’s leading payment service provider, today announces the appointment of Simon Poole and Marjorie Saint-Lot to its Management Advisory Council, strengthening its vision to expand across Africa and reinforce its position as one of the continent’s most trusted digital commerce and payment enabler. 

The addition of Simon Poole and Marjorie Saint-Lot to its advisory leadership brings extensive expertise in finance, governance, capital markets, digital transformation, and cross-border expansion. 

Simon Poole – Finance, Governance & Value Creation Expert 

Simon Poole is a distinguished finance and investment leader whose career spans more than three decades across Africa, Europe, and international markets. After qualifying as a Chartered Accountant with PwC London, where he worked on landmark privatizations and management buyouts, he joined Bank of America as Vice President of Corporate Finance, building its advisory services for telecom clients and structuring complex debt and equity deals. 

His career took him into operational finance, where he pioneered shareholder value-based performance metrics, and then at Celtel International. At Celtel, Poole held CFO roles across multiple African markets before becoming Group Financial Controller in Amsterdam. He played a pivotal role in Celtel’s growth into one of Africa’s largest telecom operators, culminating in its landmark $3 billion acquisition by Zain. 

In 2011, Poole became an Operating Partner at Helios Investment Partners, Africa’s largest private equity firm with $3.5 billion under management. For over a decade, he served on boards and committees across diverse sectors, helping to rebuild management teams, embed Lean Six Sigma operational discipline, and elevate governance standards. His leadership contributed directly to the transformation and IPOs of several major companies: CAB Payments, which grew fifteenfold and listed on the London Stock Exchange as part of the FTSE 250; Helios Towers, one of Africa’s leading telecom infrastructure companies, which also listed in London in 2019; and Vivo Energy, carved out from Shell and floated in 2018. He also chaired the board of Solevo, a pan-African agricultural inputs distributor, strengthening its route-to-market and farmer engagement before its sale to DPI. 

Poole has also contributed to the rise of Africa’s fintech sector through board positions at Interswitch in Nigeria and Fawry in Egypt, both of which have become industry leaders in payments and digital services. Across his career, he has combined capital markets expertise with governance rigor to deliver sustainable value creation in frontier and emerging markets. At Hubtel, Simon brings unmatched experience in IPO leadership, financial discipline, and risk management to help the company achieve its vision of becoming Africa’s most useful company. 

Marjorie Saint-Lot – Digital Transformation & Market Expansion Strategist 

Marjorie Saint-Lot is a global executive with more than 20 years of experience leading digital transformation, financial inclusion, and market expansion initiatives across Africa, Europe, and North America. Fluent in both English and French, she has successfully bridged cultures and markets, delivering growth and innovation in some of the world’s most dynamic and challenging environments. 

She is currently Head of Francophone Africa at Taptap Send, where she manages operations across 14 countries with transaction volumes exceeding $300 million monthly. In this role, she has spearheaded four new market launches and deepened the company’s role in connecting African families and communities to vital remittance and payment services. 

Previously, she held several senior leadership roles at Uber, where she oversaw operations in Ghana, Côte d’Ivoire, Uganda, Tanzania, and Pakistan. In Ghana, she achieved profitability amid severe macroeconomic headwinds, proving the viability of new models in frontier markets. In Côte d’Ivoire, she led Uber’s operations to achieve 60-fold growth in just 12 months. Beyond growth metrics, Saint-Lot championed inclusion as Uber’s Women’s Empowerment Strategy Leader for Africa and the Middle East, creating pathways for women drivers and co-chairing Uber SSA’s women leadership programs. 

Before Uber, she spent nearly four years at Orange Côte d’Ivoire, where she directed high-value acquisitions worth more than €300 million and integrated subsidiaries in Liberia and Burkina Faso. Her leadership also drove innovative business models across mobile money, e-commerce, energy, and banking, positioning Orange as a leading player in West Africa’s digital economy. Earlier in her career, she held operational and strategic roles at Digicel Haiti, Veolia Transdev in France, PwC in Boston, and major financial institutions in Canada. She also mobilized €30 million in development funding for Côte d’Ivoire through her work with ADDR and the African Development Bank. 

Alongside her executive roles, Saint-Lot serves on the Board of Ecobank Côte d’Ivoire, where she contributes to Audit and Governance Committees. She is also the Founder and CEO of Yarey Consultancy Group, advising organizations on growth strategy and governance. She holds a Master’s in Financial & Economic Engineering from Université de La Réunion in France and a Financial Planning Diploma from George Brown College in Toronto. 

At Hubtel, Marjorie brings her proven expertise in digital strategy, cross-border expansion, and stakeholder engagement to advance the company’s mission of enabling everyone to participate fully in Africa’s emerging digital economy. 

Building Africa’s Most Useful Company 

With Simon and Marjorie on its advisory council, Hubtel is equipped with the leadership and insight to expand beyond Ghana and help shape the future of Africa’s digital economy. 

About Hubtel 

Hubtel is a leading technology company licensed by the Bank of Ghana as an Enhanced Payment Service Provider. 

The company makes it easy for people to find and pay for everyday essentials from local businesses of all sizes. Hubtel’s payment processing, messaging, and feature-rich platform enable users to pay bills, make payments, order food, and purchase everyday essentials. 

The Financial Times of the UK named Hubtel as Ghana’s fastest-growing company for the 2022 financial year. Amazon Web Services (AWS) and Forbes Magazine have also previously featured the company. 

Hubtel operates 23 offices across Ghana and has about 700 direct employees. Founded in 2005, Hubtel’s mission is to drive Africa forward by enabling everyone to find and pay for everyday essentials. The company aims to be Africa’s most useful company, building a platform on which everyone can find, pay, and easily partake in the emerging digital economy across the continent. 

For over 50 years, Rabito Clinic has been a leader in dermatology and skincare in Ghana, delivering world-class outpatient services across 19 branches. However, as the clinic grew, managing payments became increasingly complex. What started as an operational challenge soon became an opportunity for transformation, thanks to Hubtel. 

The Struggle with Payment Systems 

Before Hubtel, Rabito Clinic’s payment system was a mix of cash and credit payments. With 70% of transactions being cash-based, the clinic relied on third-party providers to handle card and MoMo payments, but these systems were far from ideal. Payment issues were a constant bother for both staff and patients. 

“Before Hubtel, we’d often face payment glitches. Clients would sometimes be debited twice, or they’d have to wait a long time because the system was glitching. It was frustrating for both our patients and the team,” said the accountant. 

Tracking transactions was equally challenging. “With the other providers, it wasn’t that flexible. Sometimes we had to place calls to get reports,” noted the finance team. 

READ ALSO: 20 & Evolving: The Hubtel Journey

Finding the Right Solution 

When Hubtel’s team first introduced the All-in-One POS to Rabito Clinic, leadership was immediately impressed by its functionalities. They recognised that the POS had exactly what was needed to run their daily operations well. 

The Rabito Cosmetic Centre (RCC), which had struggled most with payment issues, was chosen as the pilot site for the All-in-One POS. The feedback from RCC was outstanding. The cashiers mentioned that the Hubtel POS performed better than any system they had used before.

RCC, and now Rabito at large, benefits from a simple, user-friendly dashboard, real-time access to funds, and the ability to track and download transactions instantly. Moreover, Hubtel’s competitive 1% transaction fee was a welcome change from previous providers. 

Transforming Payments with Hubtel’s All-in-One POS 

Implementing the All-in-One POS was a straightforward process. Within a week, Rabito Clinic had fully integrated Hubtel into its RCC branch and the impact was transformative. The team highlighted a few advantages: 

• Real-Time Access to Funds: Unlike previous systems that delayed settlements, the Hubtel POS allowed Rabito Clinic to access funds instantly. “We can log in immediately to push our funds and even automate settlements at the close of business. This level of control was a game-changer for Rabito.” 

• Simplified Reconciliation: Hubtel’s user-friendly dashboard eliminated the need for external support. “We don’t have to call anyone for transaction reports anymore. With Hubtel, we set things up ourselves,” the accountant said. 

• Enhanced Customer Experience: “As of last month, 61% of POS transactions were processed through Hubtel’s All-in-One POS, a big shift from our previous reliance on cash. Customers now enjoy the convenience of paying with their card or mobile money, and we have not received any complaints.” 

The Results: Efficiency and Happy Staff 

The difference was night and day. The Front Desk Manager shared, “Before Hubtel, we would usually get payment issues or glitches when clients were paying. They’d either be debited twice or have to wait a while because the system had an issue.” Now, patients can easily pay and get instant confirmation. 

Staff members are also able to track every transaction. “Even if I forget to print out a receipt or note a particular transaction, I can easily go back to the transaction history to refer.” 

It is evident from the expressions of the staff that the introduction of the All-in-One POS has made their work easier. Payment visibility has improved, reconciliation is now simple, and the clinic’s staff can focus on delivering exceptional patient care. 

“We now have payment visibility, and we get real-time access to our funds and can move them whenever we want,” the finance team explained. “This allows us to focus more on what truly matters: our patients.” 

Expanding Success Across Branches 

The success of Hubtel’s All-in-One POS at the RCC branch was just the beginning. Impressed by the efficiency and reliability of the system, Rabito Clinic has since expanded All-in-One POS to five additional branches. Today, six branches are using the Hubtel All-in-One POS, with plans to roll out the solution even further. 

READ ALSO: How Azar Transformed 100 Years of Service with Hubtel USSD

“We have seen how Hubtel has transformed our payment processes. The feedback from our teams has been very positive and we are looking forward to collaborating more,” the finance team shared. 

A Partnership Built on Trust 

“Hubtel has been a reliable partner, and we are grateful for the efficiency they have brought to our operations. With this solution, Rabito Clinic can focus on what we do best: helping patients feel confident in their skin,” the finance team concluded. 

Azar is a name that has lived in Ghanaian homes for generations. Established in 1921, the brand has become synonymous with quality paints and coatings. Today, its showroom is a busy hub where customers stream in daily for paints, hardware, tools, and waterproofing solutions. 

Now, imagine running such a place with only cash payments. That was Azar’s reality in the early years when digital payments were not so popular. Customers who came with their cards had to find the nearest ATM to withdraw cash, and sometimes, they never returned. 

Later, Azar introduced POS machines to collect payments, but this also came with its own set of problems. “Sometimes the payment would go, but it would not appear on our system,” recalls Mr. Jesse Eglow, Senior Salesman at Azar. 

These challenges didn’t just frustrate customers; they cost sales. 

A Better Way to Pay 

Switching to Hubtel’s Unique USSD felt like a breath of fresh air. Customers no longer had to depend on cash or cards. Payments could now be made instantly from any mobile device, without worrying about internet or network failures. 

“The time for processing is just within 20 seconds, and it’s done,” Jesse explains. “Before, you’d be standing there for two minutes or more. The speed has helped us serve more customers in a day.” 

For Mr. Marc Jarjoura, Assistant Showroom Manager, the ease of use makes a big difference. “At the end of the day, when we’re closing, I just access my dashboard and check the sales done for the day. It’s very easy to navigate.” 

More Than Speed 

Beyond convenience, security has been another big win. With mobile money fraud on the rise, Hubtel’s system gives Azar extra peace of mind. Payments go straight into the Hubtel wallet; traceable and protected. Fraudsters don’t even get the chance to call or trick anyone. 

Customers have noticed the change and embraced it. At first, some needed a little guidance, but before long, many preferred it. “Our regular customers have seen the improvement and are enjoying using the USSD,” Jesse says. 

Standing Out Through Service 

For Azar, one thing that has always been non-negotiable is quality service. In an area filled with competing shops, standing out is essential. 

“We like to have the most advanced system in serving our customers,” says Marc. “This area is full of shops, so you need something different. Customers come here and say the service we give; they don’t see it anywhere else.” 

With Hubtel’s Unique USSD, Azar has been able to serve customers faster, reduce stress at the counter, and strengthen its reputation for excellent service. 

When asked to describe the payment solution in one word, Jesse said “Speed.” Marc added, “Efficiency.” 

For a company that has served Ghanaians for more than 100 years, embracing payment solutions like Hubtel’s Unique USSD shows that Azar is not just keeping up with the times, but setting the pace for what excellent customer service should look like. 

Walk into Baatsona Total Mart on a weekday evening and you’ll find it buzzing. Customers shopping for up groceries, grabbing household essentials, or stopping by for a few imported treats on their way home. Over the years, the mart has become part of daily life in the Baatsona community. 

But behind the checkout counters, things weren’t always this smooth. Payments used to be a pain point. Customers who preferred to pay electronically often grew frustrated with delays, failed transactions, or waiting in line at one counter just to complete their purchase. And soon, they started comparing their experience. 

“Some customers would say, when we go to other marts, it’s much easier to pay than when we come here,” recalls Stella, the mart supervisor. “It was frustrating because they expected us to match up.” 

Finding a payment solution that works 

In 2023, the mart switched to Hubtel’s All-in-One POS, and for the staff, the experience has been a turning point. “For me, it was the stability of the network,” says Nii Okai, another supervisor. “Payments no longer cut halfway. Customers can pay right at the counter without waiting or worrying.” 

The difference was visible for both staff and customers. Queues began moving faster, reconciliation at the end of the day was easier, and customers noticed the improvement. “Our regular customers saw it,” Stella adds. “They no longer had to struggle with payments. It makes a big difference.” 

Keeping service first 

For Baatsona Mart, good service has always been non-negotiable. Alongside stocking the right products and keeping prices competitive, the team knows convenience is what keeps customers coming back. “Customer service is non-negotiable for us,” Stella explains. “And having Hubtel’s POS helps us deliver on that promise.” 

A system you can rely on 

Today, both customers and staff enjoy the ease and reliability that Hubtel’s All-in One POS brings. Payments feel less like a struggle and more like part of the service. Transactions go through without stress, customers don’t have to wait as long, and the staff can focus on helping shoppers instead of battling with failed payments. 

“If another business asked me, I’d definitely recommend Hubtel,” says Nii Okai without hesitation. “Because it makes payments smoother for customers and keeps your operations running.” 

For Baatsona Mart, that reliability has made all the difference. 

When you walk into Tekled’s showroom, you’re greeted with rows of bright lights and modern electrical fittings that instantly catch the eye. The space reflects exactly what Tekled stands for: quality, and reliability. 

Tekled began its journey in Ghana in 2017, opening the very first branch of the global brand in Africa. In just a few years, it has grown into a trusted name for electricals and lighting, serving homeowners, contractors, and businesses across Accra. 

But as the customer base grew, so did the realities of handling payments. In the early days, transactions were mostly through cash, card, or mobile money. While these worked, they came with limits. Cash carried its risks, some customers avoided card payments, and mobile money charges made high-value purchases less appealing. “Day by day, you need to provide more options for the clients,” says Mr. Fatih Sultan, Finance Manager at Tekled. “You have to make it easy for them to pay.” 

Cutting down the cost of payments 

The search for a better solution led Tekled to Hubtel’s Unique USSD. For Fatih, the biggest advantage was avoiding extra charges. At the time, the E-Levy had been introduced, and many customers disliked using digital transfers because of the added cost on every transaction. Hubtel USSD gave them a better option. “Customers didn’t like the digital transfers because of the E-Levy charges, but with Hubtel, they didn’t have to pay that,” Fatih explains. “That helped our customers, and the business as well.” 

For a business selling high-value items, this was a big shift. Customers who once hesitated to pay large amounts digitally now felt comfortable using Hubtel. 

Serving customers beyond the showroom 

Beyond saving on charges,  Hubtel’s Unique USSD brought convenience in transacting. Customers no longer needed to be physically present to do business. “Now, customers who are not even in Accra, who cannot come to the showroom, can directly transact with us,” Fatih explains. “They can pay with the USSD from wherever they are, and we will send their order to them.” 

This flexibility has helped Tekled serve more customers, improve convenience, and build stronger trust. 

Payments made easy 

For Fatih, as a finance director, another merit has been transparency. “The dashboard helps me track payments easily. I can check everything instantly,” he says. In the past, reconciling payments through telcos required long, formal requests. “Before, you had to write an official letter to get statements,” Fatih recalls. “Now, with Hubtel, everything is available immediately.” We can log into the merchant dashboard and see all transactions in real time. It shows who paid, how much, and so reconciliation is easy.  

Looking forward 

At its core, Tekled has always been about quality and reliability, and those values extend beyond its products to how it serves customers. With Hubtel’s Unique USSD, the company is not only keeping payments simple and secure but also opening new ways to connect with customers far beyond its showroom doors. 

“It’s about making things easier for the customer,” Fatih sums up. “Hubtel helps us do that.” 

Following the publication of the 2024 Auditor General’s report, public commentary has raised questions about whether Hubtel received GHS 75 million from the Electricity Company of Ghana (ECG) without a governing contract.  

For the record, we wish to clarify as follows; 

Accordingly, payments to Hubtel – including the GHS 75 million referenced in media reports – are fully covered by binding instruments approved by ECG’s Board and executed by both parties.  

Assertions to the contrary are factually unfounded. 

Ghana’s leading payment services provider, Hubtel, emerged as one of the biggest winners at the 2025 Digital Innovation Awards (DIA), clinching four prestigious awards that highlight its impact in e-commerce, SME enablement, and digital innovation. 

The company was awarded: 

• E‑Commerce Platform of the Year 

• SME Digital Enabler of the Year 

• Innovation Team of the Year 

• Technology Innovator of the Year – awarded to Alex Bram, CEO of Hubtel 

The Digital Innovation Awards (DIA), formerly known as the Ghana Information Technology & Telecom Awards (GITTA), is Ghana’s premier recognition platform for excellence in ICT, digital transformation, and emerging technologies. Since its launch in 2010, it has grown into one of the continent’s foremost innovation awards, celebrating achievements across fintech, telecom, government, health, education, and agriculture. 

Often referred to as the “Oscars of the ICT industry”, DIA is now in its 14th edition and has taken a bold step into continental space. The 2025 edition officially introduced Pan-African categories, celebrating digital leadership and innovation across countries including Kenya, Nigeria, South Africa, Rwanda, Botswana, and Ethiopia. 

Speaking at the event after receiving all four awards on behalf of the company, Nana Owusu-Marfo, Head of UX & Marketing at Hubtel, shared: 

“These awards are not just a recognition of our work, they’re a powerful reminder of what’s possible when a team commits to solving real problems with heart, clarity, and consistency. From merchants to customers, our mission has always been to make everyday life a little easier and a lot more connected.” 
 
He added, “We dedicate these wins to every teammate, partner, and merchant who believes in what we’re building.” 

• E‑Commerce Platform of the Year celebrates Hubtel’s intuitive marketplace and quick-commerce innovation—bringing essentials like food, groceries, and bill payments to customers’ fingertips across Ghana. 

• SME Digital Enabler of the Year recognizes Hubtel’s continued investment in tools that help small and medium-sized businesses grow—such as POS systems, payment solutions, and messaging tools. 

• Technology Innovator of the Year, awarded to Alex Bram, affirms his role in pioneering local fintech and launching Ghana’s first AI Lab. 

• Innovation Team of the Year spotlights the engineers, product teams, designers, and delivery staff whose combined effort powers Hubtel’s ecosystem. 

As Hubtel celebrates its 20th anniversary this year, these awards come at a symbolic moment. They reinforce the company’s drive to expand nationally, launch AI‑powered tools, support local merchants, and keep innovating with impact. 
 
With these wins, Hubtel continues to lead the charge in shaping Ghana’s digital economy, and now, increasingly, Africa’s.