MOBILEMONEY LTD. DRIVES GHANA’S DIGITAL FUTURE …Honors 22 Fintech Industry Leaders

In a night dedicated to Partnership, celebration, reflection and forward-looking ambition, MobileMoney LTD brought together the brightest minds in Ghana’s financial technology space to honour excellence and renew a shared commitment to innovation.

At the 2025 Fintech Stakeholder Awards and Dinner, the company recognised 22 key partners for their outstanding contributions to performance, innovation, customer support and the adoption of advanced technologies. The event was more than a ceremony. It was a powerful statement about the future of Ghana’s digital economy and the central role partnerships play in shaping it.

MobileMoney LTD, a subsidiary of MTN Ghana PLC, has long positioned itself as an open platform that thrives on collaboration. Last year’s awards night reinforced that philosophy.

The gathering brought together fintech innovators, partner banks, technology providers, mobile money agents, merchants, regulators and members of the media. The room was filled with individuals and institutions that have, in one way or another, shaped the rapid growth of mobile financial services in Ghana.

Delivering the keynote address, Chief Executive Officer, Mr. Shaibu Haruna captured the spirit of the evening with clarity and conviction.

Tonight is more than a celebration; it is a testament to what collaboration and innovation can achieve. Our theme, ‘Celebrating the Power of Partnership and Service Excellence,’ captures both our journey and the promise of our shared future.”

His words resonated deeply. For many in attendance, the growth of mobile money and fintech services has been a collective journey marked by resilience, experimentation and trust.

The Backbone of Ghana’s Digital Revolution

In his address, Mr. Haruna acknowledged the critical contributions of every segment of the ecosystem.

He praised banks and financial institutions for ensuring liquidity and transaction efficiency. He commended technology partners for maintaining the robustness and security of the mobile money platform. He applauded fintech innovators for solving real customer pain points. And he paid special tribute to mobile money agents and merchants who operate daily at the frontline, providing services to millions of Ghanaians.

This recognition was heartfelt. Across Ghana, from urban centres to remote communities, agents have become trusted financial intermediaries. For many citizens, mobile money agents are the closest point of access to formal financial services.

By spotlighting their role, MobileMoney LTD reinforced its belief that digital transformation is not only about systems and software. It is also about people.

Regulatory Support and Visionary Leadership

No conversation about Ghana’s fintech growth would be complete without acknowledging the role of regulation.

Shaibu Haruna paid tribute to the Bank of Ghana for its visionary leadership and enabling regulatory frameworks. The central bank’s commitment to balancing innovation with stability has been instrumental in creating an environment where fintech companies can experiment responsibly and scale sustainably.

Representing the Governor of the Bank of Ghana at the event was Hayford Kumah, Head of the FinTech Oversight and Supervision Unit. He reaffirmed the central bank’s dedication to fostering a robust regulatory environment.

He noted that the Bank remains focused on crafting policies and supervisory frameworks that encourage innovation while safeguarding the stability of the financial system.

This reassurance was timely. As fintech solutions grow more sophisticated, regulatory clarity becomes even more critical to sustaining investor confidence and consumer trust.

Emerging Opportunities on the Horizon

The CEO of MobileMoney Ltd. highlighted several emerging opportunities within the fintech landscape. He referenced digital lending frameworks, virtual assets, open banking and the potential introduction of the e-Cedi.

He also welcomed government-led digital initiatives, including the proposed Fintech Growth Fund and AI-powered trade data analytics systems. These initiatives, he noted, present new avenues for collaboration and growth.

Above all, Mr. Haruna signalled the company’s readiness to work closely with policymakers, startups and established institutions to harness these opportunities. The message was clear. Ghana’s digital future will be built through cooperation, not competition alone.

An Evening of Celebration and Culture

Beyond policy discussions and award presentations, the night carried an atmosphere of warmth and celebration. Guests were treated to live music and a surprise performance by celebrated Ghanaian musician Kofi Kinaata.

His performance added a cultural touch to an event centred on technology and finance. It was a reminder that digital transformation ultimately serves people and communities.

Laughter, applause and animated conversations filled the venue as industry leaders exchanged ideas and strengthened relationships. The evening demonstrated that behind every transaction processed and every innovation launched are individuals driven by passion and purpose.

Honouring Excellence Across Ghana’s Fintech Value Chain

While the headline awards captured national attention, the true depth of the evening lay in the breadth of recognition across the ecosystem. Each award category told a story of partnership, performance and purpose. Together, they revealed how interconnected Ghana’s digital financial landscape has become and how collaboration continues to power its expansion.

From payments and lending to remittances, legal advisory and media engagement, every segment of the value chain was acknowledged for its role in building a stronger and more inclusive financial system.

 Strengthening the Payments Backbone

The FinTech Partner of the Year for Payments went to Blue Penguin, in recognition of its outstanding contribution to strengthening the digital payments ecosystem.

Blue Penguin’s consistent performance and commitment to driving adoption have made payments more seamless, secure and accessible for millions of Ghanaians. In an era where convenience and trust determine customer loyalty, their innovation has helped simplify transactions for merchants, institutions and everyday users.

Digital payments are often the entry point into broader financial inclusion. By enhancing transaction speed, reliability and integration capabilities, Blue Penguin has supported MobileMoney LTD’s mission to build a frictionless digital lifestyle.

Driving Impact Through State Collaboration

The State-Owned Enterprise Partner of the Year was awarded to Ghana Water Company Limited. The recognition reflected more than institutional cooperation. It symbolised how public utilities are embracing digital transformation to serve citizens better.

MobileMoney LTD recognised Ghana Water as an exceptional partner whose dedication to innovation and impactful collaboration continues to empower communities and support national development. Through strong leadership and productive partnerships, the organisation has set a remarkable benchmark for excellence within the ecosystem.

Digital bill payments have simplified revenue collection while offering customers greater convenience and transparency. For many households, the ability to pay utility bills through mobile money has eliminated long queues and reduced service disruptions.

Enabling Government Digital Services

The FinTech Partner of the Year for Government category highlighted the growing integration of digital finance within public sector operations. IT Consortium earned this recognition for its exceptional performance in strengthening government digital services and advancing national financial inclusion.

Through secure, efficient and inclusive solutions, IT Consortium has supported key government initiatives and helped expand access to reliable digital services across the country. Their work demonstrates how technology partners can align innovation with public interest objectives.

Government digitalisation is a cornerstone of modern economic transformation. By facilitating efficient service delivery and transparent financial processes, partnerships such as this are reshaping citizen engagement with state institutions.

Transforming Development Through Secure Disbursements

Developmental Partner of the Year went to CAMFED Ghana, recognised for redefining efficiency, transparency and reach in developmental initiatives through secure digital channels.

CAMFED’s innovative approach to secure and efficient digital disbursements at scale has expanded access, empowered communities and positively impacted countless beneficiaries across the country. By leveraging mobile money to distribute funds safely and directly, the organisation has reduced leakages and improved accountability.

Digital disbursement models are increasingly vital in social intervention programmes. They ensure that funds reach intended recipients quickly while maintaining transparency and data integrity.

Elevating FMCG Financial Solutions

The FMCG Partner of the Year was awarded to Nestlé Ghana Limited. Nestlé’s remarkable success in delivering innovative financial solutions for fast moving consumer goods businesses has set it apart.

Through dedication and commitment, the company has accelerated adoption, driven growth and set new standards for operational excellence in the industry. Digital payments within FMCG distribution networks enhance efficiency, reduce cash handling risks and improve inventory visibility.

The award reflects how corporate giants are increasingly embedding digital finance into supply chain operations, strengthening the entire commerce ecosystem.

Corporate Excellence and Innovation

Corporate Partner of the Year was presented to KGL Technology Limited for remarkable contributions to corporate excellence through collaboration and innovation.

KGL Technologies has demonstrated how strategic partnerships can create scalable solutions that serve millions. Its collaboration within the mobile money ecosystem reinforces the idea that digital finance thrives when corporations align their expertise with shared objectives.

Technology That Powers Progress

Technology Partner of the Year went to Comviva for delivering cutting-edge technology solutions and driving innovation across industries.

Comviva’s infrastructure and platform capabilities continue to support seamless integration and operational efficiency. Reliable technology architecture remains the invisible engine behind every successful digital financial service.

Without robust backend systems, the user experience cannot flourish. This recognition underscored the technical sophistication required to sustain millions of daily transactions.

Expanding Access Through Digital Lending

The FSP Partner of the Year for Lending was awarded to Letshego Ghana. Letshego’s collaboration and commitment to advancing digital lending have significantly expanded financial access across the ecosystem.

Reliable and customer centric solutions, combined with strong industry support, continue to drive growth and strengthen trust in digital credit services. Digital lending has become an important lifeline for micro and small enterprises seeking quick and flexible financing.

Redefining Cross-Border Remittances

The Remittance Partner of the Year for Most Performing Partner was awarded to Onafriq and PAPPS for strengthening remittance services through Mobile Money.

Their performance, innovation and dedication have enhanced the experience of millions sending and receiving money across borders. Remittances remain a vital source of income for many Ghanaian households, and improved digital channels reduce transaction costs and waiting times.

In addition, the Product of the Year award recognised Onafriq’s cross border payment solution as a groundbreaking innovation within the MoMo ecosystem. The product has transformed user experiences, driven adoption and contributed meaningfully to the mission of enabling a seamless and inclusive digital lifestyle.

Onafriq’s efforts highlight how regional connectivity can unlock new opportunities for trade and economic integration across Africa.

 Championing Innovation in Fintech

The Lending FinTech Partner of the Year award went to Jumo. Jumo’s innovation, collaboration and customer focused solutions have set a new benchmark within the MoMo ecosystem. Through advanced technology, seamless integration and data driven solutions, Jumo has enhanced secure and accessible digital financial services. The company’s leadership continues to elevate user experiences nationwide.

Jumo also earned recognition as Most Innovative FinTech Partner for pioneering solutions that simplify cross-border financial interactions across Africa.

Through forward thinking technology, Jumo has strengthened security, improved efficiency and created new opportunities for growth and market access. Their innovation is shaping the future of seamless regional trade and financial connectivity.

Upholding Legal Excellence

Legal Partner of the Year was awarded to Bentsi-Enchill, Letsa & Ankomah. The firm’s contributions over the years in supporting complex deals have been matched with professionalism and integrity.

MobileMoney LTD recognised the firm for outstanding commitment and unwavering dedication to client service through exceptional professionalism and innovative legal solutions. In a rapidly evolving regulatory environment, strong legal counsel ensures compliance, risk mitigation and sustainable growth.

Media as Pillars of Transparency

Media Partner of the Year honours were presented across three categories. Print recognition went to Business & Financial Times, Radio and Television to Joy News and Joy FM, and Online to Newsghana.

These media organisations were recognised for exceptional contributions to customer education and market transparency. Their commitment to rigorous and comprehensive business journalism elevates public discourse and strengthens the market by ensuring knowledge about services and products is accessible and actionable.

An informed public is essential for a thriving digital economy.

Celebrating Grassroots Impact

The Agent of the Year award was presented to Patrick PenRich Ventures as the Overall Best MoMo Agent in Ghana for 2025.

In recognition of exceptional service and dedication to advancing financial inclusion, Patrick PenRich Ventures was honoured for setting a national benchmark for excellence in mobile money operations. Through reliability and professionalism, the company has deepened trust and expanded the reach of digital services across communities.

Similarly, the Merchant of the Year award went to Ayewamu as Overall Best MoMo Merchant in Ghana for 2025. Ayewamu’s innovative and dynamic approach to digital financial services has championed convenience, security and trust at every point of service.

Banking Leadership in Digital Payments

The Overall Best Bank Partner award was presented to First Atlantic Bank PLC. Its exceptional performance, technical expertise and unwavering commitment to innovation have distinguished it as a key driver of progress within the digital payments ecosystem.

By delivering cutting-edge, data driven solutions while upholding the highest levels of reliability and regulatory compliance, the bank has elevated industry standards and strengthened the foundation of Ghana’s digital economy.

Hubtel, Crowned Overall Best Fintech Partner

Hubtel was adjudged the Overall Best Fintech Partner in 2025 in recognition of its exceptional innovation, reliability, and technical expertise that continue to set a new benchmark within the industry. The award highlights the company’s consistent drive to push boundaries in digital finance while maintaining the highest standards of operational excellence and customer service.

Over the years, Hubtel has demonstrated full regulatory compliance and leveraged advanced data-driven solutions to deliver seamless, customer-centric digital lending products. Through strong collaboration across the financial ecosystem, the company has played a pivotal role in designing inclusive solutions that respond directly to the needs of individuals and businesses. Its forward-thinking approach has not only strengthened trust among stakeholders but also enhanced the efficiency and transparency of digital transactions.

By expanding access to credit and championing financial inclusion, Hubtel has helped reshape Ghana’s digital finance landscape. The company’s unwavering commitment to service excellence continues to drive sustainable growth while empowering underserved communities with convenient and secure financial solutions.

A Collective Vision for the Future

Taken together, the awards presented on the night offered more than applause and trophies. They reflected how far Ghana’s fintech ecosystem has come and how confidently it is stepping into the future. From payments and lending to remittances, media, legal advisory and grassroots agency banking, each category represented a vital piece of a much larger puzzle. Every winner and nominee embodied a distinct yet interconnected contribution to national development.

MobileMoney LTD’s celebration of 22 industry leaders was therefore not merely ceremonial. It was a heartfelt affirmation that Ghana’s digital transformation is a shared journey. Innovation, integrity and inclusion are no longer abstract ideals but lived commitments demonstrated daily by partners across the ecosystem.

As partnerships deepen and technology continues to evolve, Ghana stands ready to expand financial inclusion, unlock opportunities for entrepreneurs and strengthen its position as a regional powerhouse in digital finance.

An Open Platform for Innovation

As the event drew to a close, The CEO of MobileMoney Ltd., Mr. Shaibu Haruna reaffirmed the company’s commitment to maintaining an open platform that welcomes innovation from both fintech startups and established players.

This openness has been central to the company’s growth strategy. By creating space for collaboration, it has enabled diverse solutions to integrate seamlessly into its ecosystem, expanding access and enhancing user experience.

The awards night therefore served not only as recognition of past achievements but also as a declaration of intent. MobileMoney LTD is determined to remain at the forefront of Ghana’s digital transformation journey.

In honouring 22 fintech industry leaders, the company celebrated more than excellence. It celebrated a shared vision. A vision where technology drives inclusion, partnerships fuel innovation and Ghana stands confidently at the forefront of Africa’s digital revolution.