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Ghana

Ghana Mobile Money Interoperability (MMI)

Scheme name: Ghana Mobile Money Interoperability (MMI)

IIPS Type: Mobile money

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 banks0
Participants - MMOs5
Participants - non-bank PSPs0
Participants - MFIs0
Volumes 20181,454,470,000
Volumes 20192,009,990,000
Volumes 2020-
Volumes 20214,246,799,232
Values 201828,258,035,318 USD
Values 201939,163,994,850 USD
Values 2020- USD
Values 202182,024,597,559 USD
Values 202289,891,760,011 USD
GNI75,637,343,975
GNI (%)119%
% off-us transactions2.9%
Interoperability arrangementThird party
Ownership modelRegulator-owned
Governance TypologyCentral bank
Messaging standardISO 20022
Types of proxy IDsMobile number; QR code
Use of open APIsYes
QR code standard N/A
Pro-poor governanceYes
CB governance involvementYes
Expanded use casesYes
Minimum channel functionalityYes
Minimum use case functionalityYes
All licensed PSPs can participate (all-to-all interoperability)Yes
RecourseNo
Not-for-lossYes

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