Ethel Cofie
What Happens when a Private Sector Player becomes Critical National Digital Infrastructure?
Africa’s private digital platforms are rapidly becoming national-critical infrastructure, demanding stronger governance, accountability, and resilience frameworks before outages and external…
When the Mammoth Moves: The MTN Group Bets That Might Reshape Fintech Strategy and the Questions Regulators Could Start Asking Across the Continent
MTN’s “3 Platforms, One MTN” signals a platform-era shift across Africa, where connectivity drives distribution, fintech anchors value creation, infrastructure…
The Battle for Africa’s Mobile Money: Mastercard Builds ON Mobile Money, Visa Builds AROUND Mobile Money, Chinese Players Build AGAINST Mobile Money
Mastercard links African mobile money to global cards, Visa captures cross-border flows via fintech, while Chinese super-apps aim to replace…
The Real AfCFTA Gap Isn’t Trade, It’s Trust
AfCFTA’s real barrier is fragmented SME data. A portable SME Data Passport would unify verified payment histories across countries, unlocking…
There Are 13 Key Policy Shifts Happening in the Ghana Tech Ecosystem – What You Should Know
Ghana’s tech landscape is shifting with 13 new digital policy and legislative reforms aimed at boosting innovation, data governance, cybersecurity,…
Strong Pipes, Fragile Foundations: Rethinking Africa’s Wholesale Connectivity Strategy
Africa’s expanding digital backbone faces fragility despite major investments. Uneven inland connectivity, weak resilience, and poor regional coordination threaten inclusive,…
Infrastructure Investments: Building Africa’s Digital Backbone for Growth
Africa’s digital future depends on sustained infrastructure investments fibre, data centres, and subsea cables, guided by governance that balances risk,…
5G Is a Long Way to Go” — But That Should Be Our Signal, Not Our Excuse
MTN Ghana’s 5G delay highlights Africa’s digital inequality. Without urgent action on policy, affordability, and rollout, the continent risks lagging…
What Ghana’s AI Policy Could Learn from Rwanda, Senegal, and Egypt
Ghana must urgently build coordinated AI policies, regional partnerships, skills, and ethical frameworks, learning from Rwanda, Senegal, and Egypt to…
Positioning the Ghana Card as Foundational Digital Infrastructure: From Identity to Infrastructure
The Ghana Card is transitioning from ID to national infrastructure, requiring legal, technical, and governance reforms to ensure it supports…
Africa’s Digital Sex Economy is Quietly Growing and Investors Are Funding It: Size, Trends, and the New Hustle
Africa's digital sex economy is rapidly growing, driven by technology, economic hardship, and urban demand, empowering women while raising complex…
Trust Is the Real Currency: How Banks Can Fight Back in a Fintech World
Ethel Cofie argues that while fintechs are fast and flashy, banks can win the future by combining trusted legacy, modern…