Insights
Thinking at the frontier of African financial services.
The Sunday Insights — one thought leadership article per week from the Payplus Africa team, covering transaction banking, digital finance, financial policy, and Africa's evolving financial landscape.
Latest Articles
Recent thinking.
6 May 2025
We Are Featured in Business & Financial Times: Lessons on Cybersecurity
We are proud to share this thought leadership article by our Director, Stephen Kemetse, featured in Business & Financial Times. The piece explores critical lessons on cybersecurity and resilience for Ghana’s digital economy and offered insights every stakeholder should pay attention to in this era of rising digital threats. Read the full article here.
26 April 2025
MoMo Fraud: Beyond Social Engineering
A recent GH¢11,000 mobile money fraud incident made the headlines. The customer’s wallet was emptied, and the provider’s response was…
Our Domains
What we write about.
Our insights are grounded in direct engagement experience — not generic commentary. These are the domains where we have earned the right to have an opinion.
Transaction Banking & Cash Management
The operating model, product, and technology architecture of modern transaction banking — with a specific focus on Ghana and West Africa's major commercial banks. We write from direct diagnostic and transformation engagement experience.
Supply Chain Finance & Working Capital
The working capital challenge facing Ghanaian businesses, and the role of banks — and platforms like WCX — in bridging the gap. Trade finance, receivables financing, and the financial supply chain in an African context.
Payments & Digital Finance
Ghana's payments infrastructure, mobile money ecosystem, fintech regulatory landscape, and the strategic implications of digital transformation for banks and their customers. Grounded in the Ghanaian context with continental perspective.
Fraud, Risk & Cybersecurity
The fraud and cyber risk landscape facing Ghanaian financial institutions — from MoMo fraud and social engineering to systemic vulnerabilities in transaction monitoring. Our experience advising on ACI fraud management deployments informs this perspective.
Development Finance & Institutional Capacity
The intersection of financial sustainability, institutional design, and development finance — informed by our work within GIZ, EU, and BMZ-funded programmes. Financial modelling for institutions that serve public good missions.
Banking Performance & Strategy
Revenue strategy, cross-sell ratio analysis, performance measurement frameworks, and the commercial disciplines that separate high-performing transaction banking functions from the rest. Drawn directly from our diagnostic and transformation work.