Ghana Edition

17 November 2026, Accra

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10DX Summit Ghana Edition

Ghana's banks now work inside a financial system where mobile money carries the everyday relationship. In a single month of 2025, wallets moved more than GH¢518 billion across 982 million transactions, and 81% of adults now have access to formal financial services. The bank still holds the deposit and the balance sheet. The daily habit sits on a rail it does not own.

The rules around that system are changing too. The Bank of Ghana's Cyber and Information Security Directive 2026 puts cyber, cloud and AI under board-level governance, and the National Payment Systems Strategy puts open banking, eKYC and trusted digital identity at the centre of the next phase.

10DX Ghana brings together the technology, digital, data, transformation, customer experience, payments and cyber leaders of the country's banks.

Across five sessions, the programme examines what an established bank must own in a mobile-money-led market, how it stays useful to a customer who lives in a wallet, what open banking and the Ghana Card ask of its systems, which AI is ready for governed use, and how a bank stays resilient when it does not control every part of the system. Each session also asks where data and AI come next.

WHAT TO EXPECT

Event in Numbers

Attendees
75+
Banks & FIs
25+
Speakers
15+
Sponsors
10+

JOIN THE TRIBE

WHO ATTENDS

Chief Information Officer
Chief Technology Officer
Chief Digital Officer
Chief Data/AI Officer
Chief Info Security Officer
Head of Transformation
Head of CX
Head of Payments
Head of Innovation

SHAPE THE FUTURE

Why Attend

Trailblazing Content
Hear new ideas and learn about the latest trends and innovations reshaping the banking landscape.
Game-changing Solutions
Meet solution providers, soak in the innovation and discover new ways to future-proof your business.
High-Impact Networking
Network with the industry's movers and shakers and share real-world knowledge and experiences.

2026 Agenda

Winning the Customer Who Lives in a Wallet
17 NOVEMBER 2026

0800 - 0900

Registration

0900 - 0905

Opening Remarks

0905 - 0935

From Banking-Led to Mobile-Money-Led

Core, Data and Integration Choices for the Established Bank. Ghana's banking market has turned. Wallets carry most everyday payments, and inclusion has grown through agents and phones more than branches. Established banks still hold the deposits, the licences and the trust that comes with them. The opening panel asks what a bank must own, and what it must rebuild, to matter in a market it no longer leads.
  • Mobile money moved more than GH¢518 billion in a single month of 2025. When the daily transaction sits elsewhere, which parts of the customer relationship must the bank still own?
  • Mobile money operates in real time and around the clock. Which parts of the bank's core and integration estate must change first to work at the same speed with wallets and fintechs?
  • CISD 2026 puts cloud, third parties and AI under stronger board oversight. Which projects become harder to approve, and which controls now have to be designed in from the start?
  • Customer history sits across core, cards, channels and service systems. Which records must become trustworthy and connected before analytics or AI should influence a customer decision?

0935 - 0950

How We Solved...

A practical case study on a real industry challenge, the approach taken, and results achieved.

0950 - 1020

The Bank on Someone Else's Rail

Customer Experience, Wallet Integration and the Everyday Relationship. For many Ghanaians the wallet is where money is received, kept and spent. One operator dominates that market, and the banks' own GhanaPay wallet is growing but remains far smaller. Bank accounts risk becoming a place money passes through. This panel looks at the service, the integrations and the customer data that give people a reason to stay with the bank.
  • A customer may receive salary into a bank and move it to a wallet minutes later. What must the bank know and offer in that interval to remain useful?
  • Mobile money wins on speed and simplicity at the point of payment. Which bank journeys must match that standard first, and what stops them today?
  • One operator dominates Ghana's mobile-money market. Where should the bank partner with that operator, and where should it build its own channel?
  • GhanaPay reached 1.45 million enrolled customers and nearly 12 million transactions in 2025. What would make it part of a customer's daily payment habit rather than another available wallet?

1020 - 1025

The Room Speaks: Morning Pulse

A live audience pulse check capturing the priorities, pressures, and challenges shaping banking transformation today.

1025 - 1105

Networking Break

1105 - 1135

When the Rails Are Shared, Where Does the Bank Win?

Open Banking, Ghana Card Identity and Cross-Border Payments. The National Payment Systems Strategy 2025-2029 makes open banking, Ghana Card identity checks and wider interoperability the shared infrastructure of the next five years. PAPSS is extending instant payments across African borders. Access to the rails will no longer set banks apart. The discussion turns on what a bank must build to connect, and where it still earns.
  • The draft Open Banking Directive would require institutions to share customer-consented data through standard APIs. If another provider can build the customer journey on bank data, which service must the bank still own to keep the relationship?
  • OpenDX is designed to manage standardised data exchange and consent. What must the bank expose through APIs, and how will it know what each customer has permitted, for how long and to whom?
  • The Ghana Card lets identity be verified digitally at onboarding. Which account-opening steps can now disappear without weakening KYC, customer protection or exception handling?
  • Ghanaian banks can already reach other African markets through PAPSS. What must change in liquidity, operations, reconciliation and customer support before a business uses it routinely?

1135 - 1150

How We Solved...

A practical case study on a real industry challenge, the approach taken, and results achieved.

1150 - 1220

Which AI Is Ready for the Bank?

CISD 2026, Data Readiness and the First Governed Use Cases. Ghanaian banks are putting AI to work in fraud monitoring, customer service and operations, mostly one use case at a time. CISD 2026 now sets rules for how AI systems are approved, tested and overseen, and limits where core systems and sensitive data can be hosted. This panel asks which uses are ready to deploy under those rules, and what holds the others back.
  • BoG identifies fraud detection, credit scoring and customer service among the AI uses already emerging in financial institutions. Which of those is ready to be used more widely, and why?
  • CISD 2026 requires banks to show that AI systems are fair, explainable and overseen by people. What evidence should a bank have before a system goes live?
  • CISD 2026 limits how banks may place core systems and sensitive financial data in the cloud, while allowing approved use for less critical services. How does that shape where AI can run?
  • A governed AI use case still has to prove its worth. What result should the bank see, and by when, before it extends AI to a second use?

1220 - 1235

How We Solved...

A practical case study on a real industry challenge, the approach taken, and results achieved.

1235 - 1305

Who Defends What the Bank Doesn't Own?

Mobile Money, Third Parties and Operational Resilience. A Ghanaian bank's customers reach it through wallets, agents, fintechs and telco networks it does not run. Fraud that begins on a phone or a SIM ends as a loss of trust in the bank. CISD 2026 makes cyber resilience a board responsibility and widens the shared security operations centre, FICSOC, to non-bank institutions. The closing panel asks how a bank defends a system it only partly controls.
  • CISD 2026 makes the board accountable for cyber resilience. What should directors see each quarter to know the bank could withstand and recover from an attack?
  • FICSOC now covers fintechs and other non-bank institutions as well as banks. What should a bank share with it, and what should it expect back?
  • A compromised SIM or wallet account can become the bank's customer loss. Which signals and controls must banks, telcos and wallet operators share before a payment is allowed to leave?
  • A bank's services now depend on wallet operators, switches and technology suppliers. When one of them fails, how does the bank keep serving customers and tell them what happened?

1305 - 1320

How We Solved...

A practical case study on a real industry challenge, the approach taken, and results achieved.

1320 - 1325

The Room Speaks: Closing Pulse

A final audience reflection measuring how perspectives shifted across the day's discussions and debates.

1325 - 1330

Closing Remarks and End of Summit

1330 - 1415

VIP Networking Lunch

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THE INDUSTRY'S TOP VOICES

Series Speakers

Nvalaye Kourouma
Group Chief Digital Officer
Ecobank Transnational
Emmanuel Morka
Regional CIO
Access Bank Ghana
Seth Frimpong-Manso
Chief Information Security Officer
Access Bank (Ghana)
Emem Umoh
Chief Information Security Officer/Data Protection Supervisor
Zenith Bank (Ghana)
George Mensah
Director, Technology
Consolidated Bank Ghana
George Korley
Head, Group Digital Enablement
Ecobank Transnational
Euclid Shilaku
Head, Digital Experience and Innovation
Ecobank Transnational
Benjamin Abiemo
Head of Cybersecurity
Absa Bank
William Ofori Boadu
Head, Digital Ecosystems & Embedded Finance
GCB Bank
Jalilu Issahaku
Head, Technology Delivery and APO
Stanbic Bank Ghana
Maya Yiadom
Head of Segments, Retail & Digital Banking
Access Bank (Ghana) Plc
Stephen Essien
Head Consumer Banking
CalBank PLC
Stephen Ampadu
Head, Business Strategy
Universal Merchant Bank
Esther Dokuwaa Ofosuhene
Head, Client Experience Management
First National Bank Ghana
Richard Nana Adu
Head, IT Systems and Cyber Security Audit
Consolidated Bank Ghana
Edem Quintin Dzorkpata
Head, Fintech Business
CalBank

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