FinTech Revolution: Bridging the Digital Divide for Ghana's SMEs

In Bridging the Digital Divide: How FinTech Is Transforming SMEs in Ghana, Dr. Elizabeth Kusi-Nsiah takes readers on a compelling exploration of how digital banking and mobile money are reshaping Ghana's small and medium enterprise (SME) sector. Drawing from extensive research involving 698 businesses, the book reveals how technology is breaking down barriers to finance, empowering entrepreneurs, and fueling inclusive economic growth. Rooted in the Unified Theory of Acceptance and Use of Technology (UTAUT) and Public Good Theory, Dr. Kusi-Nsiah's study uncovers that while digital banking powerfully expands financial inclusion, mobile money often operates in parallel-underscoring the urgent need for integration and policy reform. Blending rigorous analysis with real-world insight, she shows how FinTech innovation, digital literacy, and sound governance can unlock access to credit, savings, and investment for millions. Inspiring and deeply relevant, this book is essential reading for policymakers, financial leaders, and entrepreneurs seeking to harness the promise of digital transformation to build a more inclusive and sustainable African economy.

Autorentext
Dr. Elizabeth Kusi-Nsiah, Chief Executive Officer of the Adventist Heritage Co-operative Fund Ltd, is a finance and investment leader with over 25 years of experience. Trained in Ghana, the United States, Israel, and Zambia, she promotes ethical finance, digital empowerment, and sustainable growth, driving lasting change across Africa and beyond.