According to the 2025 Mobile Money Regulatory Index released by the GSMA, Ghana scored 96.10 percent, up from 95.06 percent recorded in the previous year. The index evaluates regulatory effectiveness across 90 countries.
In a statement issued on 20 February, the Bank of Ghana said the improved score underscores the country’s sustained efforts to build a “world-class regulatory environment” that supports innovation while deepening financial inclusion.
The central bank noted that its performance reflects “progressive policies and strong oversight” within the mobile money ecosystem, measures it says help safeguard consumers and maintain operational integrity.
Ghana’s consistent top ranking has drawn international attention as governments worldwide look to expand digital payments and bring more citizens into formal financial systems.
Mobile money remains a critical tool across Africa, where access to traditional banking is often limited.
The Bank of Ghana added that it will continue working with industry stakeholders to strengthen policies aimed at sustaining momentum toward what it described as a fully inclusive and digitally empowered economy.
The latest ranking further positions the country as a global benchmark for mobile money regulation at a time when fintech governance is under increasing scrutiny worldwide.