According to recent reports, mobile money platforms like MTN MoMo may soon link loan histories directly to Ghana Card IDs. If implemented, defaulting on a loan would allow lenders to track you across the financial system using your Ghana Card number. AdvertisementWhat could change with Ghana Card linkingThe Bank of Ghana is tightening rules around MoMo lending, with plans to tie loans to Ghana Card numbers rather than phone numbers. Traders, small-business owners, and salaried workers who use MoMo loans for emergencies or working capital will likely feel this shift most. By linking loans to Ghana Card IDs, the Bank of Ghana aims to create a more reliable credit record system.