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CLOSING THE PENSION GAP: CAN AI DRIVE INFORMAL SECTOR INCLUSION

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  INTRODUCTION Ghana’s digital transformation agenda has, over the past decade, moved from ambition to measurable progress . Foundational systems—ranging from the Ghana Card and mobile money interoperability to digitised public services and online tax administration —have reshaped how citizens interact with the state. Beyond improving administrative efficiency , these developments have established critical building blocks for broader financial inclusion , particularly among underserved segments of the economy. According to the World Bank’s Global Findex data, over 80% of adults in Ghana now have access to financial accounts and regularly use digital payment platforms , reflecting the scale of this transformation . Yet a fundamental challenge remains—the persistent pension coverage gap within Ghana’s informal sector . According to the International Labour Organization (ILO), approximately 78–80% of Ghana’s workforce is employed in the informal sector, while pension cove...
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RETHINKING LEGAL EDUCATION IN GHANA: IT’S NOT JUST ABOUT THE LAW

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  INTRODUCTION Legal education in Ghana stands at the crossroads of significant reform. For decades, aspiring lawyers have navigated a two-stage process: first, an academic LLB degree obtained at a university, followed by a competitive entrance examination into the Ghana School of Law (Makola) for professional training. This system has produced countless lawyers, yet it has also faced persistent criticism for its bottlenecks, exclusivity, and opacity. The ongoing reforms — which propose removing the General Legal Council’s (GLC) direct role in training and introducing a centralized bar examination — are therefore a welcome development. They promise broader access, greater transparency, and alignment with professional qualification models such as ACIB, ACCA, or CIMA. In an earlier article,  “ The Law, Common Sense and Wisdom,”  published in the  Business & Financial Times  on 18th November 2023,  I reflected on  Justice Senyo Dzamefe (JSC)’s  o...
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RETHINKING THE CYBERSECURITY AMENDMENT BILL: INTEGRATION AND COLLABORATION, NOT DUPLICATION

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  INTRODUCTION As Ghana moves to update its digital governance through the Cybersecurity (Amendment) Bill, 2025 , it is crucial to ask whether the proposed reforms solve a real gap — or simply create legal clutter. While the bill aims to strengthen cybersecurity regulation, it does so by expanding the powers of the Cyber Security Authority (CSA) in ways that risk undermining the coherence of our criminal justice system. The proposed amendments would give the CSA powers to investigate, arrest, and even prosecute cybercrime — roles traditionally handled by the Ghana Police Service and the Office of the Attorney-General. These new mandates not only replicate existing functions but blur institutional boundaries that exist for good reason:  accountability, oversight, and separation of powers. More fundamentally, the bill reflects a troubling trend: the assumption that every digitally mediated harm must be treated as a new, standalone offence. This is legally unnecessary. Cri...
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