{
  "id": 4891150,
  "title": "Mobile money transaction value surges 50.8% to GH¢4.54 trillion in 2025 – BoG",
  "url": "https://urgent.news/2026/09/01/mobile-money-transaction-value-surges-50-8-to-gh-4-54-trillion-in",
  "topic": "world",
  "section": "World",
  "published": "2026-09-01T15:38:51.000Z",
  "source": {
    "name": "Adom Online",
    "slug": "adom-online",
    "url": "https://www.adomonline.com/mobile-money-transaction-value-surges-50-8-to-gh%c2%a24-54-trillion-in-2025-bog/"
  },
  "original_language": "en",
  "account": "In 2025, mobile money transactions in Ghana surged by 50.8% to reach a total value of GH¢4.54 trillion, according to the Bank of Ghana's 2025 Payment Systems Oversight Annual Report. This marked a significant increase from GH¢3.01 trillion in the previous year. The acceleration in transaction values highlighted the growing significance of e-money platforms in facilitating economic transactions. Following a substantial clean-up of mobile money agents in 2024, the number of active agents dropped but rebounded in 2025. The active agent count rose by 21.4% to reach 491,057 in 2025, up from 404,370 in 2024. This improvement was attributed to a phase of consolidation following the clean-up, characterized by enhanced agent legitimacy and activity rather than a rapid expansion of the network. However, the distribution of mobile money transaction values remained concentrated among a handful of high-value transaction types. Agent-to-Agent (A2A) transactions continued to dominate, accounting for 41.0% of total transaction values in 2025, up from 37% in 2024. Third-party transfers saw a marginal increase to 14.9% in 2025 from 14.4% in 2024, indicating the broader adoption of fintech platforms for facilitating merchant and commercial payments. This trend underscores the integration of mobile money channels into various business and institutional transactions. Meanwhile, cash-based transactions shrank in significance, with cash in and cash out activities comprising only 16.1% of total transaction values in 2025, down from 20.1% in 2024. This decline suggests a gradual shift towards account-based and digital transaction flows. Other transaction types, such as wallet-to-bank, bank-to-wallet, person-to-person, and business-to-business transactions, maintained relatively stable shares, collectively supporting both retail and merchant payment use cases.",
  "summary": "Total mobile money transaction values grew by 50.8% to GH¢4.54 trillion in 2025 from GH¢3.01 trillion over the review period, the Bank of Ghana has disclosed. 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. Following the significant agent […]",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "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."
}