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Ghana

Ghana Mobile Money Interoperability (MMI)

Scheme name: Ghana Mobile Money Interoperability (MMI)

IIPS Type: Mobile money

Instruments: Credit EFT, E-money

Channels: , POS, USSD, Agent

Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Fees & taxes (P2G), Social disbursements (G2P), Inventory & business services (B2B), Salaries & wages (B2P)

Inclusivity level: Progressed

Year of establishment: 2016

System owner: Bank of Ghana

Overseer: Bank of Ghana

Operator: GhiPSS

Total Participants: 5

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CategoryGhana Mobile Money Interoperability (MMI)
Geographic reachDomestic
Geographic descriptionGhana
Scheme governanceGhIPSS
Settlement agentBank of Ghana
Participants - commercial banksN/A
Participants - MMOs5
Participants - non-bank PSPsN/A
Participants - MFIsN/A
Volumes 20181,454,470,000
Volumes 20192,009,990,000
Volumes 20202,859,620,000
Volumes 20213,373,835,000
Values 201828,258,035,318 USD
Values 201939,163,994,850 USD
Values 202071,422,136,940 USD
Values 202181,139,155,993 USD
Interoperability arrangementThird party
Ownership modelRegulator-owned
Governance TypologyCentral bank
Messaging standardN/A
Types of proxy IDsN/A
Use of open APIsYes
QR code standard Yes
Pro-poor governanceYes
CB governance involvementYes
All licensed PSPs can participate (all-to-all interoperability)Yes

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