Hubtel offers businesses the ability to accept payments across multiple channels, including mobile money, bank cards, digital wallets, and traditional cash. Mr Bram explained that the company’s initial focus was on helping businesses communicate more effectively with their customers. As the SMS market matured, Hubtel expanded into mobile content and value-added services, eventually evolving into one of Ghana’s leading fintech firms. “Unfortunately, we’ve also been heavily misunderstood by the public about the services we provide to some large public service providers,” he noted. Despite such hurdles, Hubtel’s CEO remains confident in the firm’s future, stating that the Ghanaian market still offers considerable room for growth.