{
  "id": 4880573,
  "title": "Total mobile money transaction values grew by 50.8% to GH¢4.54trn in 2025",
  "url": "https://urgent.news/2026/09/01/total-mobile-money-transaction-values-grew-by-50-8-to-gh-4-54trn-in",
  "topic": "world",
  "section": "World",
  "published": "2026-09-01T14:44:00.000Z",
  "source": {
    "name": "MyJoyOnline Ghana",
    "slug": "myjoyonline-ghana",
    "url": "https://www.myjoyonline.com/total-mobile-money-transaction-values-grew-by-50-8-to-gh%c2%a24-54trn-in-2025/"
  },
  "original_language": "en",
  "account": "In 2025, mobile money transaction values surged by 50.8% to reach GH¢4.54 trillion, according to the Bank of Ghana's 2025 Payment Systems Oversight Annual Report. This marked a significant growth from GH¢3.01 trillion in the previous year's review period. The report highlighted the critical role of e-money platforms in facilitating economic transactions, underscoring the increasing reliance on mobile money channels. Following a substantial agent network clean-up in 2024, the number of active agents decreased but rebounded in 2025. Active agents surged by 21.4% to reach 491,057 in 2025, up from 404,370 in 2024. This growth was indicative of a post-clean-up consolidation phase, characterized by improved agent legitimacy and activity rather than rapid network expansion. Despite the increased number of agents, mobile money transaction values remained concentrated in a limited number of high-value transaction types. Agent-to-Agent (A2A) transactions dominated, accounting for 41.0% of total transaction values, a slight increase from 37% in 2024. Third-party transfers saw a marginal increase to 14.9% in 2025, from 14.4% in 2024, reflecting the growing adoption of fintech platforms for merchant and commercial payment flows. Cash-based transactions, however, accounted for a smaller share of total transaction values, making up 16.1% in 2025, down from 20.1% in 2024. This reduction pointed to a gradual transition towards account-based and digital transaction flows, with other transaction types like wallet-to-bank, bank-to-wallet, person-to-person, and business-to-business maintaining relatively stable shares.",
  "summary": "According to the 2025 Payment Systems Oversight Annual Report, the acceleration in transaction values underscored the increasing importance of e-money platforms in supporting economic transaction.",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 2,
    "also_reported_by": [
      {
        "outlet": "Joy Business",
        "title": "Total mobile money transaction values grew by 50.8% to GH¢4.54trn in 2025",
        "url": "https://urgent.news/2026/09/01/total-mobile-money-transaction-values-grew-by-50-8-to-gh-4-54trn-in-4883427",
        "published": "2026-09-01T14:44:00.000Z"
      }
    ]
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}