The quiet engine of growth

Imagine a house is advertised at GH¢3 million. You inspect it, like the location, admire the finishing and tell yourself you will negotiate. Then the agent calls: “Good news. The owner has reduced the price to GH¢2.7 million.”

A business may be making sales every day and still be moving steadily towards failure. The shop may be busy, customers may be paying, and money may be entering the bank account.

“He who waits for the moon waits for darkness.” – African proverb

Open almost any social media app today and the competition begins immediately. A recipe is explained in 30 seconds. A bank offers a money tip in 20 seconds.

If banks drive sustainability, almost everyone can be engaged, for banks are at the center of economic life- CA Vikram Verma

Ghana’s cocoa sector is entering an important new phase in its financing architecture, with the establishment of Cocoa Capital PLC and the launch of a GH¢16.3 billion Domestic Cocoa Notes Programme providing a new platform for mobilising domestic capital for cocoa financing.

Following my address at the Africa Fintech and Banking Summit in Nairobi on 8th October 2026, it is clear that while Kenya remains Africa's undisputed fintech capital, the market narrative is fundamentally shifting.

Behind unrealised ambitions, struggling businesses, strained family relationships and underperforming government initiatives lies an often overlooked force: human emotions, which,