As a national switch, safeguarding data is not optional; it is fundamental to the integrity, trust, and efficiency of payment systems. Every transaction, settlement, and service depends on security, lawfulness, and responsibility for data processing.
Several emerging trends and innovations affect Instant Payment Systems (IPS) inclusivity. They suggest opportunities for expanding IPS access and the use of instant payments. These trends play out at the market, system, and consumer levels.
The 2025 Payments Trends Report shows a global payments industry at a turning point: digital payments are now universal, but the real battle is shifting to trust, intelligence, and technology-driven advantage as fraud rises, consumer behaviour fragments, and new infrastructures reshape how money moves.For payment ecosystems, this shift places infrastructure providers at the centre of value creation.
The Ghana Interbank Payment and Settlement Systems Limited (GhIPSS) is a wholly owned subsidiary of the Bank of Ghana.