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Top Fintech Voices Volume 3
86 pages with Kwame Oppong on the cover — credit scoring on alternative data, AI-powered central banking, the governance of the machine, digital assets under Ghana’s new regime, and the women building the ecosystem.
On the cover
01
Africa's fintech future will not be built without its women — FinHer Africa
02
Leading with Clarity: Why Africa's Digital Assets Future Will Be Built on Compliance, Utility, and Bold Leadership — Gillian Darko
03
Zekarias Amsalu — Connecting Capital, Innovation & Opportunity Across Africa
Contents
What’s inside Vol. 3.
- 08The Editorial NoteSolomon Sedinam Agbemenya on a future of finance that is no longer approaching — it is already here.Editorial
- 09Leading with Clarity: Why Africa's Digital Assets Future Will Be Built on Compliance, Utility, and Bold LeadershipGillian Darko on the road from derivatives desks in London to Yellow Card, and why she treats the regulator as an ally rather than an obstacle.Digital Assets
- 16Zekarias AmsaluCo-Founder & Managing Director, Africa Fintech Summit; Founder & Managing Director, Ibex Frontier LLC — connecting capital, innovation and opportunity across Africa.Profile
- 18Credit Scoring 2.0: Using AI to Bridge the “Informal Gap”How myCredit Score Ghana is using verified alternative data to score Ghana's unbanked.Credit
- 21More Than a Spotlight: The Vision Behind FinHer AfricaBy Omotola Olatujayan, Founder & CEO, FinHer Africa.Inclusion
- 26Fintech For Good: The Fintech That Pays It ForwardA shared laptop at Osu Manhean Basic School in Accra, and a twelve-year-old's first encounter with AI.Community
- 29A Treatise on Reclaiming Value and Sovereignty in the Age of AIAfrica has long exported raw materials and imported the finished goods made from them. AI threatens to reproduce that pattern in digital form.Analysis
- 34Kwame OppongThe architect behind Ghana's fintech revolution — the cover story.Cover Story
- 46Bridging the Trade Gap: WeWire Admitted to Ghana SEC Sandbox to Drive Trade Finance TokenisationOne of nine companies piloting virtual asset products under Ghana's Virtual Asset Service Providers Act, 2025.Regulation
- 50A Glimpse at the last EditionLooking back at the second edition, and the conversations it opened.Archive
- 53Africa Fintech SummitMore than 1,100 delegates gathered in Accra, alongside institutional investors representing $36 trillion in assets under management.Report
- 56The Intelligence Layer: What It Really Takes to Build AI-Powered Central Banking in AfricaBy Carmelle Cadet.Central Banking
- 58The Startup CornerMaame Abrema Quarm, Founder & CEO of Ladder, building AI-powered tools for wealth creation across emerging markets.Startups
- 62Who Governs the MachineTrust, accountability and responsible AI in Ghana's financial ecosystem — a Top Fintech Voices roundtable.Governance
- 72Building Digital Economies. Empowering Communities. Creating Lasting Impact.By Frank Anwelle — fintech as an instrument for development.Profile
- 755th Ghana Fintech Awards“From Awareness to Action: Building a Cyber-Secure Fintech Landscape in Ghana” — the fifth awards night, held on 28 March at The Underbridge Annex in East Legon.Report
- 82Mitigating the Unintended Fraud Consequences of Financial Ecosystem Interoperability and Instant Settlement RailsEric Kwaku Mensah, Financial Crimes & Cybersecurity Specialist and Co-Founder of MentorUs Africa, on where fraud has found the rails.Security
Back issues
Every edition, still readable.
Nothing goes out of print here. Each past edition turns page by page in the same reader as the current one.
Vol. 2 · Second Edition · November 2025 · 78 pages
When it went continental.
The second edition ran to 78 pages with Adoma Owusu on the cover, widening from Ghana to the continent: collaboration, cybersecurity, regulation, funding and the women reshaping the industry from Accra to Abidjan and beyond.
Read Vol. 2
Vol. 1 · Maiden Edition · March 2024 · 48 pages
Where it started.
The maiden edition launched in Accra on 9 March 2024 with Archie Hesse, Chief Executive of GhIPSS, on the cover and the 28 voices who set the tone for everything since.
Read Vol. 1
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