Victims of a legend: The women Daddy Lumba left behind

For many people, the search for a loan begins long before they enter a banking hall. It may start when a trader realises that the Christmas season is approaching but her working capital is not enough to increase stock. It may begin when a parent receives a school-fee reminder at a difficult time of the month. By the time the customer approaches a financial institution, the mind is often fixed on one thing: getting the money.

In today's business environment, organisations generate more information than at any other point in history. Emails, project updates, dashboards, performance reports, meeting minutes, customer records and operational data flow continuously across departments.

Dear reader, today I am taking you back to the foundation of traditional banking. Despite the use of AI in modern banking, so long as we continue some aspects of traditional banking, we should not abandon the risk management aspects. I therefore bring you excepts from Chapter fourteen of my book “THE MODERN BRANCH MANAGER’S COMPANION”. Read on……

I grew up in Bolgatanga at a time when Ghana Television (GTV) was more or less the only television station at that time. In the evening, the household gathered round one set, and the news came at 7:00pm, delivered by newscasters whose voices I can still recall with more clarity than some of the faces I see every day now. Ebenezer Ampaabeng. Earl Ankrah. Akushika Acquaye.

Kofi is a different kind of a customer. On more than one occasion, I have wondered what my business would be like if I had just ten of his kind.

For the past 15 years, I have had the opportunity to train corporate teams, speak at conferences and organise events for different institutions. Over the years, I have noticed something interesting about the people organisations send for training, and it has become even more obvious in the past five years.

Ghana stands at a critical juncture in its economic transformation.  As the nation positions itself as a beacon of stability and growth in West Africa, the structure of its labour market demands urgent scrutiny. 

One of the most serious weaknesses of any high-stakes examination system is the possibility of question leakage, examination malpractice and unauthorized access to test materials. This is not simply a technical problem.