compared to the Sub- Saharan Africa region, but in absolute terms only 40.5 percent of adults have an account at formal … formal accounts, large majority of them relies on internal finance for investments, with only around 23 percent having a bank … restricts access to both formal and unregulated financial institution, particularly in rural areas, with limited number of …

and utility payments; link informal channels with formal financial services; promote agent banking; improve financial … reserves. The financial sector in Ghana has grown rapidly since 2010, and with it the share of Ghanaians with access to formal …