Service and Experience with J. N. Halm: Truly innovative: ‘Disrespectful’ machines

Ghana’s perennial urban and coastal flooding challenges—most visible within the heavily burdened Odaw River Basin in Accra, the Korle Lagoon, and the volatile coastal stretches from Keta to Elmina—demand a fundamental paradigm shift.

Across the first two articles in this series, we built a foundation.

Every public infrastructure tender in Ghana ends with the same implicit question: who offered the lowest price?

Imagine running a business that speaks fluent English, only to discover that your three most important partners each insist on being addressed in a language you have never learned.

For much of the past decade, fraud risk in Ghana’s financial system was primarily a banking-sector story — ATM skimming, cheque fraud, cash suppression by tellers, and the occasional cyber intrusion. That story has changed.

Consider two government hospitals in the same city, funded by the same ministry, operating under the same national health policy, staffed by public servants on identical salary scales, and serving populations with broadly similar needs.

Some men build institutions. Others build the people who go on to build institutions.

A few weeks ago, I ran into a former student of mine at a fuel station in Accra.