By Issah Olegor
Ghana has once again secured its position as the world’s number one country in mobile money regulation, following the release of the GSMA Mobile Money Regulatory Index (MMRI) 2025.
The country achieved an outstanding overall score of 96.10 per cent, improving on its 95.06 per cent score recorded in 2024, reinforcing its status as the global benchmark for regulatory excellence in digital financial services.
The MMRI, developed by GSMA, evaluates the effectiveness of mobile money regulatory frameworks across 90 countries worldwide, assessing how regulatory systems enable innovation, protect consumers, promote financial inclusion, and ensure operational integrity in the mobile money ecosystem.
Ghana’s top ranking reflects the strength, consistency, and credibility of its regulatory architecture, which has positioned the country as a model for digital financial governance globally.
This achievement highlights the sustained commitment to progressive regulatory policies that support the growth of mobile money services, deepen financial inclusion, and strengthen confidence in the digital financial system.
The country’s regulatory framework continues to create an enabling environment for innovation while maintaining strong oversight mechanisms that protect users and safeguard the integrity of the financial ecosystem.
The success of the mobile money regulatory regime is the product of long-term institutional reforms, coordinated policy development, and effective supervision within the financial sector, particularly under the leadership of the Bank of Ghana, working in collaboration with telecommunications regulators, financial institutions, mobile money operators, and other key stakeholders.
This global recognition further affirms the strategic role as a leader in Africa’s digital finance transformation and a reference point for countries seeking to build resilient, inclusive, and innovation-driven mobile money systems.
The Bank of Ghana has reaffirmed its commitment to sustained stakeholder collaboration in the implementation of forward-looking policies aimed at consolidating the progress toward a fully inclusive, digitally empowered, and globally competitive financial economy.
