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.
But we have also acknowledged, through the loss sharing arrangement, the reality that the euro area is not a fiscal union and it is for politicians, not central bankers, to decide if and when it will become one.