In part, this reflects the substitution of capital for labour, such as the increased use of robotics on assembly lines. It also reflects the changing nature of globalisation. In both goods and services, the current wave of globalisation is changing the nature of production and the demand for labour.
The Bank of Ghana has therefore issued a cyber-security directive for compliance by banks and payment service providers to build a robust and resilient digital ecosystem. To further accelerate the digitisation process, stakeholders must work collectively to promote merchant acceptance of digitised financial products and services, with particular emphasis on lowertier merchants, such as small and micro-enterprises. 13.