Formalising trust: How digital verification and protected payments are transforming Accra’s informal service economy

Evidence from official data published by the Ghana Statistical Service, Bank of Ghana, IMF and World Bank shows that every change of government in the Fourth Republic has been followed by some degree of macroeconomic stabilisation, with 6 key indicators thus price, the currency, economic growth, public debt, the fiscal balance and foreign exchange reserves generally improving under the incoming administration.

For decades, energy discussions in Ghana have focused on familiar questions.

Before dawn breaks in towns and villages across Ghana, thousands of teachers are already awake. Some are marking exercise books under dim light. Others are preparing lesson notes, reviewing students' assignments, or worrying about how to stretch limited resources to meet both professional and family obligations.

When political rivalry grows so fierce that a country's progress is treated as an electoral threat, democracy becomes a relay race in which the baton is passed faithfully from party to party while the nation itself never leaves the starting line. The bill, as always, is sent to ordinary citizens and to generations not yet born.

Imagine a shop owner asking an AI assistant how to attract customers. It suggests reducing prices and spending more on advertising, and the response sounds sensible enough to try. Orders increase, the shop becomes busier and the owner feels encouraged, until the accounts show that less money is left after expenses.

The leadership problem

I salute the motive behind the government's Women's Development Bank.

Let me begin with a question that may make some people uncomfortable: when the best students in Ghana finish school, where do we expect them to go?