Ghana’s central bank has a clear message for fintech companies: moving fast and breaking things is not how banking works here. AdvertisementThe Bank of Ghana (BoG) has signaled that financial innovation must never come at the cost of consumer trust. The statement signals tougher oversight ahead for mobile money operators, digital lenders, and companies rolling out services like the Ghana Card. What the BoG actually meansTranslation: companies that want to offer financial services in Ghana have to do two things at once. But speed creates risk: unfair interest rates, bad data security, or predatory terms can hurt borrowers.