Digitalisation beyond Fintech – the DUKA factor

What if everything you think you know about your customer is wrong?

Ghana's engineers have graded eight sectors of the country's infrastructure, from the roads and power lines to the classrooms and clinics. The overall mark, a D3, is the same as a decade ago.

Ghana sits on an extraordinary, under-monetised endowment: gold, manganese, bauxite, diamonds, industrial minerals, oil and gas, cocoa, timber, cash crops and horticultural produce that together define the structural spine of the national economy.

Ghana has treated the Black Volta primarily as a water resource. It is time, as Ghanaians, we recognise it as an economic landscape capable of strengthening energy security, food production, rural enterprise, climate resilience and regional trade.

“A spider’s cobweb is not only its sleeping spring but also its food trap.” – African proverb

Not long ago, financial fraud was often easier to recognise. A suspicious email, an unfamiliar phone call or an offer that sounded too good to be true could quickly raise concern.

“The true measure of a legal system is not merely how effectively it punishes wrongdoing, but how wisely it restores both the offender and society.

The growth of digital commerce has altered the foundations of global trade, straining tax systems built on the assumption of physical presence.