In fact, bank lending to corporations is also rising at a fairly dynamic pace, pointing to some expansion in niche sectors such as renewable energy and commercial property. Households, for their part, have managed to achieve some deleveraging over the prolonged period of low interest rates.
More recently, Ghana’s payment system has witnessed  significant changes on account of the growing role of Financial  Technology  Firms  (FinTechs)  and  payment  innovations. A recent survey conducted by the Bank shows that there are 71 FinTechs providing both front- and backend services to Ghana’s banking sector.