Our planet Earth is the only planet I know that has so many different living things in/on it. In my studies at school, I learned that the ocean takes up more space than land, and has more living things than land. I also learned that humans do a lot...
The rural banking concept was introduced in 1976 with the launch of Nyakrom Rural Bank in the Central Region. The rural banking model’s policy intent was to fill the financial inclusion gap in rural communities which were seen to have been left behind by the privilege enjoyed by urban dwellers...
James is busy every day. As an experienced credit vendor based in Accra, he tells me that the little tote-bag slung around his shoulders used to be packed with scratchcards. Those days are now long gone. "Right now, the Vodafone scratchcards are not in the system anymore. If you want...
The prevailing economic hardship is global, albeit lesser felt in some economies than others. Developed economies are struggling, with the majority of its citizens experiencing ‘unimaginably’ high interest and inflation rates for the first time in their lives. In most developing and poor countries, the effects are enormous and...
A computer engineer named Ray Tomlinson sent the very first email in 1971. The message he sent was just a string of numbers and letters that did not make any sense, but it was the beginning of a new era of communication. The exact message was entirely forgotten, but...
“Our governments were also compelled to encourage foreign investments by providing tax holidays and other incentives that supported foreign companies to out-compete local industries. This was the genesis of the current weak economic structure we are struggling with.” It was long overdue, but at last on October 30, 2022...
I have observed that over the years, the notion of leadership has evolved from one who is in the position to exercise power and, usually rule over others to an entirely different concept. In a LinkedIn article I recently chanced on, the author, Dr. Travis Bradberry sought to explain...
Last week we looked at some of the functions of the bank branch and the roles that branch managers play. In this era of digital banking, let us examine important functions which are sometimes overlooked. Customer Service in a Digital World- The New Paradigm The customer service revolution in  financial services...
It’s that time of the year again! Businesses are in the process of finalising their annual plans for next year. Different companies use different processes to build their plans, but in the end they are all just trying to answer one simple question - what should we do next...
The term “social impact era” may very well be new to some and very familiar to others. It first began to gain global popularity during or around the time of the global financial crises between the years 2007 and 2009. These financial crises occurred when banking systems and global...