{"id":183126,"date":"2024-05-16T14:10:08","date_gmt":"2024-05-16T14:10:08","guid":{"rendered":"https:\/\/www.ghanamma.com\/2024\/05\/16\/financial-inclusion-remains-a-challenge-despite-progress-2nd-deputy-bog-governor\/"},"modified":"2024-05-16T14:10:08","modified_gmt":"2024-05-16T14:10:08","slug":"financial-inclusion-remains-a-challenge-despite-progress-2nd-deputy-bog-governor","status":"publish","type":"post","link":"https:\/\/www.ghanamma.com\/2024\/05\/16\/financial-inclusion-remains-a-challenge-despite-progress-2nd-deputy-bog-governor\/","title":{"rendered":"Financial inclusion remains a challenge despite progress \u2013 2nd Deputy BoG Governor \u2013"},"content":{"rendered":"<p><\/p>\n<div>\n<p id=\"article-123\">Despite progress in expanding access to financial services, a significant portion of the population in Africa remains excluded or underserved, according to Elsie Addo Awadzi, the Second Deputy Governor of the\u00a0Bank of Ghana.<\/p>\n<p>Speaking at the 3i Africa Summit in Accra, Ms. Awadzi highlighted data from the World Bank\u2019s 2021 Global Findex report, which showed that while 76 percent of the global adult population had access to a bank account or mobile money in 2021, up from 51 percent in 2011, around 1.4 billion adults worldwide were still unbanked.<\/p>\n<p>\u201cThe excluded groups largely comprise unemployed persons, low-income earners, rural dwellers, women, youth, persons with disabilities, and those displaced by natural disasters, climate change, war, and conflict,\u201d Ms. Awadzi stated.<\/p>\n<p>She expressed particular concern over the persistent gender gap in access to finance, noting that in sub-Saharan Africa, the gap increased from 7 percentage points in 2011 to 12 percent in 2021, bucking the global trend of a narrowing gap.<\/p>\n<p>\u201cMore women were less likely than men to successfully raise emergency money when in a crisis, and they tended to rely on friends and family, which was not always reliable, particularly during crises,\u201d Ms. Awadzi said.<\/p>\n<p>While acknowledging the positive impact of mobile money in extending financial access to underserved groups, Ms. Awadzi highlighted the need to move beyond using mobile money solely as a payment instrument.<\/p>\n<p>\u201cA lot of the access we\u2019re seeing through mobile money is sometimes short-lived, as people often cash out their mobile money immediately after receiving payments or remittances,\u201d she explained.<\/p>\n<p>Ms. Awadzi also emphasized the importance of mainstreaming financial inclusion into policy, regulation, and business models, rather than treating it as a fringe issue.<\/p>\n<p>\u201cWe need to consistently make sure that this is mainstreamed into policy and regulation and in business models of financial services providers and payment services providers as well,\u201d she urged.<\/p>\n<p>Addressing the audience, which included policymakers, regulators, and industry stakeholders, Ms. Awadzi stressed the broader economic implications of financial exclusion, including hindering the effectiveness of monetary policy, limiting government revenue, and leaving certain economic actors vulnerable to economic shocks.<\/p>\n<p>\u201cExclusion, in the long run, does not augur well for the long-term viability and resilience of financial institutions,\u201d she cautioned, adding that financial institutions should view the unserved and underserved segments as potential future clients to be nurtured.<\/p>\n<p>To address these challenges, Ms. Awadzi called for coordinated efforts to steer innovation and investment towards promoting sustainable financial inclusion, emphasizing the need for clear and consistent policies, effective regulation, and investments in critical infrastructure such as digital IDs, interoperable payment systems, and credit reporting mechanisms.<\/p>\n<p>\u201cIt\u2019s important that we balance the policy objectives of inclusion, promoting innovation to promote inclusion, but at the same time, making sure that the financial systems are stable, have integrity, and provide real access at transparent pricing for the ordinary person and the underserved and unserved,\u201d she said.<\/p>\n<p>Ms. Awadzi also highlighted the importance of measuring the real impact of financial inclusion initiatives, beyond just the number of accounts opened, to ensure that the underserved and unserved are genuinely benefiting and able to unleash their full economic potential.<\/p>\n<p><strong>Source:\u00a0<\/strong>thebftonline.com<\/p>\n<p><!-- AI CONTENT END 1 --><\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Despite progress in expanding access to financial services, a significant portion of the population in Africa remains excluded or underserved, according to Elsie Addo Awadzi, the Second Deputy Governor of the\u00a0Bank of Ghana. Speaking at the 3i Africa Summit in Accra, Ms. Awadzi highlighted data from the World Bank\u2019s 2021 Global Findex report, which showed [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":183127,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-183126","post","type-post","status-publish","format-standard","has-post-thumbnail","category-business"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Financial inclusion remains a challenge despite progress \u2013 2nd Deputy BoG Governor \u2013 - Ghanamma.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ghanamma.com\/2024\/05\/16\/financial-inclusion-remains-a-challenge-despite-progress-2nd-deputy-bog-governor\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial inclusion remains a challenge despite progress \u2013 2nd Deputy BoG Governor \u2013 - Ghanamma.com\" \/>\n<meta property=\"og:description\" content=\"Despite progress in expanding access to financial services, a significant portion of the population in Africa remains excluded or underserved, according to Elsie Addo Awadzi, the Second Deputy Governor of the\u00a0Bank of Ghana. 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