KOFI ANOKYE OWUSU-DARKO (BLOG2)

  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...