Personal branding with Bernard Kelvin CLIVE: It's still not too late to innovate

Have you ever had one of those experiences where you get stuck in a particular moment of the day—when you cannot seem to carry on despite your best efforts to do so? Maybe you receive a terrible news around mid-morning while at work.

For many Ghanaians, mobile money has become more than a financial service. It has become a lifeline.

Under normal circumstances, the Ministry of Foreign Affairs would not necessarily attract the same level of public controversy as other ministries. Its responsibilities, however, are central to Ghana's international standing, diplomatic relations and the protection of Ghanaian citizens abroad.

Every organisation has got issues that need urgent attention before they escalate int crises. No organisation and in fact no PR practitioner would ever want to deal with issues not to talk about crises.

The world is changing, but can people afford to live in it?

Imagine you run a food business in Accra. You take most of your orders on WhatsApp Business. Customers send you a message, you confirm what they want, they pay a deposit by MoMo, and you deliver.

Having been raised in the fishing community of Dzelukope, where the rhythms of daily life are closely intertwined with the sea, the recent incident involving the seven fishermen who went missing and were subsequently found in Benin after days adrift resonated with me on a deeply personal level.

An instant loan can settle today’s bill while creating tomorrow’s financial crisis. When speed conceals charges, intrusive data collection or abusive recovery, digital convenience becomes costly.